<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Arrow Ridge Law]]></title><description><![CDATA[Arrow Ridge Law]]></description><link>https://www.arrowridge.law/news-and-resources</link><generator>RSS for Node</generator><lastBuildDate>Wed, 12 Aug 2026 20:06:17 GMT</lastBuildDate><atom:link href="https://www.arrowridge.law/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Millions of Americans Face Debt Collection Lawsuits Without Legal Representation]]></title><description><![CDATA[Written by Attorney Naomi Sarega | Last Updated August 2026 Arrow Ridge Law is a DBA of The Law Firm of Higbee &#38; Associates. America’s civil justice system and economy is facing a growing challenge. Debt collection lawsuits are being filed at a pace that many courts—and many consumers—are struggling to handle. Recent research from the Pew Charitable Trusts shows that up to 4.7 million debt collection lawsuits are filed each year in the United States, making debt collection one of the largest...]]></description><link>https://www.arrowridge.law/post/millions-of-americans-face-debt-collection-lawsuits-without-legal-representation</link><guid isPermaLink="false">6a7c89a843aed0895e974e37</guid><category><![CDATA[Debt Settlement]]></category><category><![CDATA[Debt Defense]]></category><pubDate>Mon, 03 Aug 2026 17:07:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_cc41002da5de401db501872facc2d7e6~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Rising Consumer Debt Means More Americans Need Legal Help—Not Just Debt Settlement ]]></title><description><![CDATA[By Attorney Mathew Higbee Across the country, millions of Americans are facing a financial reality they never expected. Rising prices for groceries, housing, insurance, and other everyday necessities have forced many families to rely on credit cards and loans simply to make ends meet. According to a July 2026 report by The Pew Charitable Trusts, Americans are accumulating what researchers call "survival debt"—debt incurred not for luxury purchases, but to pay for basic living expenses. As...]]></description><link>https://www.arrowridge.law/post/rising-consumer-debt-means-more-americans-need-legal-help-not-just-debt-settlement</link><guid isPermaLink="false">6a7c89a843aed0895e974e36</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 22 Jul 2026 00:06:47 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_00dadf44c6ef4321ba26565382d60618~mv2.jpg/v1/fit/w_1000,h_717,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Understanding Your Mini-Miranda Rights When Dealing with Debt Collectors]]></title><description><![CDATA[Beware If you have recently heard something like “This communication is from a debt collector attempting to collect a debt. ]]></description><link>https://www.arrowridge.law/post/understanding-your-mini-miranda-rights-when-dealing-with-debt-collectors</link><guid isPermaLink="false">6a7c89a843aed0895e974e38</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 16 Apr 2025 16:29:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_ad31d067661d4fc3a100256d514c3997~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Statute of Limitations for Unpaid Debts]]></title><description><![CDATA[Statutes of limitations are established to protect debtors from being exposed to debt collectors or creditors for a specific length of time]]></description><link>https://www.arrowridge.law/post/statute-of-limitations-for-unpaid-debts</link><guid isPermaLink="false">6a7c89a843aed0895e974e3d</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 16 Apr 2025 16:19:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_1fa3f62163c34e73ae78c2ffd004693b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Debt Collection Scams Hurt Unsuspecting Consumers]]></title><description><![CDATA[There is a high number of complaints involving debt scammers every day. It is safe to assume that these scammers continue]]></description><link>https://www.arrowridge.law/post/debt-collection-scams-hurt-unsuspecting-consumers</link><guid isPermaLink="false">6a7c89a843aed0895e974e44</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 16 Apr 2025 16:05:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_28cf2c58b5984cad83ed4180927f714b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[The Statute of Limitation on Debt in Ohio]]></title><description><![CDATA[If you live in Ohio and have old debts, the statute of limitations could be your ally. ]]></description><link>https://www.arrowridge.law/post/the-statute-of-limitation-on-debt-in-ohio</link><guid isPermaLink="false">6a7c89a843aed0895e974e42</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 16 Apr 2025 15:50:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_a03c9574116445279a49cdfade0b4250~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[What To Say to Creditors While You Are in A Debt Settlement Program]]></title><description><![CDATA[If you are facing financial hardship, it is important for you to understand how to communicate with your creditors or debt collectors]]></description><link>https://www.arrowridge.law/post/what-to-say-to-creditors-while-you-are-in-a-debt-settlement-program</link><guid isPermaLink="false">6a7c89a843aed0895e974e3f</guid><category><![CDATA[Debt Settlement]]></category><category><![CDATA[Consumer Protection]]></category><pubDate>Wed, 16 Apr 2025 15:40:57 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_7a7f0c3196a54ed587f3e68de7dac9d3~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[The Challenges of Bankruptcy with Your Taxes]]></title><description><![CDATA[Filing for bankruptcy may have an impact on your taxable income. ]]></description><link>https://www.arrowridge.law/post/the-challenges-of-bankruptcy-with-your-taxes</link><guid isPermaLink="false">6a7c89a843aed0895e974e3b</guid><category><![CDATA[Bankruptcy]]></category><category><![CDATA[Taxes]]></category><pubDate>Wed, 16 Apr 2025 15:31:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_8c838a22f5824ce18085f2c02ef96e3d~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Tax Implications During a Debt Settlement Program or Bankruptcy]]></title><description><![CDATA[Deb settlement programs and bankruptcy may have significant implications for your tax situation.]]></description><link>https://www.arrowridge.law/post/tax-implications-during-a-debt-settlement-program-or-bankruptcy</link><guid isPermaLink="false">6a7c89a843aed0895e974e40</guid><category><![CDATA[Taxes]]></category><pubDate>Wed, 16 Apr 2025 15:26:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_e9735156109f4a9baf855a93fd39fc3f~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Obligations of Creditors and Credit Reporting Agencies Under The FCRA]]></title><description><![CDATA[In 1970, Congress adopted the Fair Credit Reporting Act (FCRA) to protect consumers and regulate how credit information]]></description><link>https://www.arrowridge.law/post/obligations-of-creditors-and-credit-reporting-agencies-under-the-fcra</link><guid isPermaLink="false">6a7c89a843aed0895e974e30</guid><category><![CDATA[Credit Score]]></category><pubDate>Tue, 15 Apr 2025 19:37:54 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_545e5ae7dd4344468d846c598d66f594~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[The Link Between Mental Health And Financial Stability]]></title><description><![CDATA[It is no surprise that having debt can cause stress. ]]></description><link>https://www.arrowridge.law/post/the-link-between-mental-health-and-financial-stability-1</link><guid isPermaLink="false">6a7c89a843aed0895e974e31</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Tue, 15 Apr 2025 19:16:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_03ad1143a0dd42ddb7d79107576b7427~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Statute of Limitations on Collection Cases in Georgia]]></title><description><![CDATA[Georgia’s Statute of Limitations Gives Credit Card Companies and Other Creditors ]]></description><link>https://www.arrowridge.law/post/statute-of-limitations-on-collection-cases-in-georgia</link><guid isPermaLink="false">6a7c89a843aed0895e974e39</guid><category><![CDATA[Debt Collection - Garnishment]]></category><pubDate>Tue, 15 Apr 2025 19:00:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_56a348f6acfc4feda1b778f0254de409~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[State Regulation Preventing Creditor Harassment: Protecting Consumer from Aggressive Collection Practices]]></title><description><![CDATA[Debt can be a heavy burden for many individuals, and dealing with creditors can often exacerbate stress and anxiety. ]]></description><link>https://www.arrowridge.law/post/state-regulation-preventing-creditor-harassment-protecting-consumer-from-aggressive-collection-prac</link><guid isPermaLink="false">6a7c89a843aed0895e974e3e</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Tue, 15 Apr 2025 14:45:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_9b583950c20e4db3ae5bbe88e79013c1~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Wage Garnishments]]></title><description><![CDATA[If you’ve hit a financial rough patch and are struggling to keep up with your payments, it’s easy for your accounts to fall behind.]]></description><link>https://www.arrowridge.law/post/wage-garnishments</link><guid isPermaLink="false">6a7c89a843aed0895e974e43</guid><category><![CDATA[Debt Collection - Garnishment]]></category><pubDate>Tue, 15 Apr 2025 14:35:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_a90c4e8c085a448a956585e28f4a2471~mv2.png/v1/fit/w_1000,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Alternative Solutions To Too Much Debt]]></title><description><![CDATA[Our law firm has helped thousands of people get a fresh start with debt settlement.  ]]></description><link>https://www.arrowridge.law/post/alternative-solutions-to-too-much-debt</link><guid isPermaLink="false">6a7c89a843aed0895e974e41</guid><category><![CDATA[Debt Consolidation]]></category><category><![CDATA[Debt Settlement]]></category><category><![CDATA[Bankruptcy]]></category><pubDate>Tue, 15 Apr 2025 13:58:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_7ae3bceb4bf5468b83c524be12b659f9~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[How Can Debt Settlement Actually Lead to Improved Credit]]></title><description><![CDATA[I cannot emphasize the importance of a good credit score enough, however ]]></description><link>https://www.arrowridge.law/post/how-can-debt-settlement-actually-lead-to-improved-credit</link><guid isPermaLink="false">6a7c89a843aed0895e974e34</guid><category><![CDATA[Consumer Protection]]></category><pubDate>Mon, 09 Jan 2023 19:41:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_fd2312f2ac5940d19cd4473dc6331e2e~mv2.png/v1/fit/w_1000,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Understanding the FCRA and Your Rights]]></title><description><![CDATA[The Fair Credit Reporting Act (“FCRA”) was enacted by congress in 1970 with the goal of protecting consumers from inaccuracies]]></description><link>https://www.arrowridge.law/post/understanding-the-fcra-and-your-rights</link><guid isPermaLink="false">6a7c89a843aed0895e974e32</guid><category><![CDATA[Consumer Protection]]></category><category><![CDATA[Creditor Harassment]]></category><pubDate>Tue, 06 Dec 2022 19:22:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_83a50e8084494186865134823581d3d0~mv2.png/v1/fit/w_1000,h_600,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Understanding the FDCPA and Your Rights]]></title><description><![CDATA[The FDCPA, also known as the Fair Debt Collection Practices Act, was enacted in 1978 by Congress]]></description><link>https://www.arrowridge.law/post/understanding-the-fdcpa-and-your-rights</link><guid isPermaLink="false">6a7c89a843aed0895e974e35</guid><category><![CDATA[Consumer Protection]]></category><category><![CDATA[Creditor Harassment]]></category><pubDate>Tue, 06 Dec 2022 18:52:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_bacec5ff757f46f89d11e8b41216740b~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Debt Settlement and Debt Consolidation two Solution to Similar Problem]]></title><description><![CDATA[Anyone facing large amounts of debt is under a seemingly insurmountable level of pressure.]]></description><link>https://www.arrowridge.law/post/debt-settlement-and-debt-consolidation-two-solution-to-similar-problem</link><guid isPermaLink="false">6a7c89a843aed0895e974e33</guid><category><![CDATA[Debt Consolidation]]></category><category><![CDATA[Debt Settlement]]></category><pubDate>Tue, 06 Dec 2022 17:10:56 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/836cd1_7719dd097f9343f4ac9a7f54154ac6d5~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item><item><title><![CDATA[Consolidation Loans In Debt Settlement]]></title><description><![CDATA[Clients in a debt settlement program may become eligible for a consolidation loan.  ]]></description><link>https://www.arrowridge.law/post/consolidation-loans-in-debt-settlement</link><guid isPermaLink="false">6a7c89a843aed0895e974e3c</guid><category><![CDATA[Consolidation Loans]]></category><pubDate>Tue, 11 Oct 2022 00:07:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f0d9454621ae4c368e14da15fd02e751.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Nathan Kiefer</dc:creator></item></channel></rss>