Staff writer · Personal Finance Tips

Julian Reyes

21 articles, newest first.

Personal Finance Tips
Debt Collector Calls: The Validation Details Julian Says to Demand First
Federal law sets firm limits on what collectors can demand, how they contact you, and what they must disclose, and knowing those limits protects your budget.
Julian ReyesAug 5, 2026
Personal Finance Tips
How to Verify a Debt Before You Pay: A Practical Guide to Debt Validation
Federal rules give you a right to written proof of any collection claim, and requesting it before sending money can protect your budget from inflated fees and scams.
Julian ReyesJul 29, 2026
Personal Finance Tips
Credit Marks Expire on Different Clocks: Seven Years, Ten for Bankruptcy, and Open Questions on Medical Debt
Most negative entries expire after seven years, but bankruptcies, collection accounts, and public records each follow their own clock, and medical debt rules remain in flux.
Julian ReyesJul 22, 2026
Personal Finance Tips
How FDIC Deposit Insurance Works and How Much of Your Money Is Covered
Coverage applies per depositor, per bank, and per ownership category, so how an account is titled can matter as much as how much it holds.
Julian ReyesJul 15, 2026
Personal Finance Tips
Verify the Institution First: Find Out Which Federal Agency Backs Your Savings
Look up the institution in the FDIC's BankFind tool or the NCUA's Credit Union Locator before you deposit, then check your balances against the limit.
Julian ReyesJul 7, 2026
Personal Finance Tips
How Overdraft Fees Stack Up and What Account Holders Can Do About Them
Federal opt-in rules, a repealed fee-cap rule, and simple account settings all shape how much a small shortfall can cost you.
Julian ReyesJun 30, 2026
Personal Finance Tips
Ask Your Bank These Questions Before You Opt In to Overdraft Coverage
Federal rules, fee structures, and cheaper alternatives all shape what an overdraft really costs, so get the answers in writing before you accept.
Julian ReyesJun 23, 2026
Personal Finance Tips
Monthly Charges and Balance Rules Often Cost More Than a Checking Account Pays Back
The fine print on maintenance charges, balance rules, and opening deposits usually moves your bottom line more than the advertised interest rate.
Julian ReyesJun 15, 2026
Personal Finance Tips
Checking Deposit-Account Databases for Accounts You Never Opened
Your credit report may not show a fraudulent checking account. Here is where to look, and what to do if you find one.
Julian ReyesJun 8, 2026

Julian Reyes

Debt Collector Calls: The Validation Details Julian Says to Demand First

How to Verify a Debt Before You Pay: A Practical Guide to Debt Validation

Credit Marks Expire on Different Clocks: Seven Years, Ten for Bankruptcy, and Open Questions on Medical Debt

How FDIC Deposit Insurance Works and How Much of Your Money Is Covered

Verify the Institution First: Find Out Which Federal Agency Backs Your Savings

How Overdraft Fees Stack Up and What Account Holders Can Do About Them

Ask Your Bank These Questions Before You Opt In to Overdraft Coverage

Monthly Charges and Balance Rules Often Cost More Than a Checking Account Pays Back

Checking Deposit-Account Databases for Accounts You Never Opened