Debt collection calls can be bothersome, incessant, and, in some cases, illegal. Collection calls can be made for a variety of reasons, but there are steps you can take to protect yourself, should they become unwanted. In addition to using the 11-word phrase to stop debt collectors, you can also send a cease and desist letter and take legal action. You should always keep a record of all communication with debt collectors, should you need it for future disputes.

Breaking a lease agreement doesn’t have to hurt your credit score, and the lease itself may tell you how to break it early without negative consequences. It’s important to read through your lease thoroughly to understand the terms, as cars, apartments, and other properties will contain different language depending on the lease. Refusing to pay rent you owe or failing to make lease payments can cause problems on your credit history. But there are ways you can break your lease without hurting your credit score, including legally justifiable circumstances, subletting, and rent reporting services.

There are a few obstacles to owning a car if you are under the age of 18. Most states require you to be a legal adult to register a car in your name, and insurance companies will not sell policies to minors. This is also true if you are paying for the vehicle in cash, or purchasing it from a private seller. Similarly, it’s also difficult to lease a car if you are under 18. Emancipated minors are some of the few people under the age of 18 that are free to buy, register, and insure a vehicle in their name.

A NetSpend prepaid debit card is a reloadable and prepaid card that allows you to complete transactions without a bank account. NetSpend offers prepaid MasterCard and Visa debit cards, and all cards are insured by the FDIC. Someone can send money to your NetSpend card via direct deposit, through a PayPal account, or using a Cash App account. You can also load money onto your NetSpend card at a NetSpend reload location, or through direct deposits, bank transfers, or mobile check loads.

Writing a check to yourself is a legal way to transfer money safely. You can write a check to yourself to transfer funds to a personal checking account or to move funds between accounts at the same bank. Aside from writing a check to yourself, you can also transfer funds electronically through ACH transfers, third-party services, and wire transfers. Electronic transfers typically allow you to access your money more quickly than writing a check.

In general, credit card interest for personal cards is not tax-deductible. However, the IRS does consider credit card interest tax deductible when it’s for business expenses. That being said, there are ways to reduce credit card interest payments for personal expenses, including transferring debt to a balance transfer card, and using tax refunds provided by the IRS to pay off any outstanding credit card debt.

Power of attorney after death gives a person the authority to act on behalf of the deceased, also known as the principal, to execute their wishes after they pass. This differs from a power of attorney, which is only valid when a person is permanently incapacitated in some way, but is otherwise still living.