financial wellness
Case Dismissed: How One Arizona Woman Battled and Won Against a Major Debt Collector
Anne Munoz, a retired school bus driver from Arizona, fought and won against a baseless debt lawsuit, demonstrating the power of self-advocacy and inspiring others to challenge predatory debt collection practices.

It’s far too common: debt collectors overwhelming unsuspecting consumers with lawsuits, often for debts they don’t even owe. In the United States alone, millions face this daunting reality every year. Yet, a remarkable story emerged recently from Arizona that serves as a beacon of hope for those ensnared in predatory debt collection practices. This is the story of Anne Munoz, a retired school bus driver who found her voice and fought back.
First reported on 12 News Phoenix, Arizona. Read the article here: https://www.12news.com/article/news/investigations/i-team/debt-collector-filed-more-than-20000-lawsuits-maricopa-county-how-one-woman-fighting-back/75-47323880-62a9-4951-8880-626c027602c3
This story demands attention as we are committed to delivering vital information that empowers individuals who find themselves in the challenging situation of facing predatory debt collectors.
The Unfounded Lawsuit
In September 2024, Anne Munoz received shocking news: she was being sued by Portfolio Recovery Associates, a formidable debt collection agency, for over $2,700 allegedly owed on a computer she purchased in 2011. Upon being served the lawsuit, Munoz felt an instinctive sense that something was amiss. “When you come after me wrongfully, I’m going to make as much noise as possible, and that’s what I’ve done,” she declared. With unwavering resolve, she dived headfirst into researching her case and defending herself against what she knew was a baseless claim.
A Diligent Investigation
Anne may not be a lawyer, but her tenacity and research skills proved invaluable. As she delved deeper, she uncovered a startling detail: another “Anne Munoz” had been sued for the same debt, but this woman lived in Missouri—a state Anne had never even set foot in. “This is not my debt,” she stated firmly, reinforcing her commitment to clearing her name.
Understanding her rights, Munoz filed complaints with the Consumer Financial Protection Bureau, highlighting that Portfolio Recovery Associates was pursuing claims on a debt that was not only too old but also lacking sufficient documentation. Her assertions raised serious questions about the legitimacy of the lawsuit.
A Common Issue
Unfortunately, Anne’s experience is not an isolated incident. Debt collection lawsuits are all too frequent, with estimates ranging from 2.5 to 4.5 million filed against American consumers each year. In Maricopa County alone, Portfolio Recovery Associates has reportedly filed over 20,000 lawsuits since 2022. Alarmingly, a significant percentage of these cases—between 60% and 70%—often end in default judgment simply because consumers don’t respond, whether due to intimidation, confusion, or a host of other reasons.
Lester Bird from the Pew Charitable Trusts shed light on this troubling reality: “When most people aren’t engaging, the courts need to be a backstop for people to ensure that these cases are valid,” he emphasized. The urgency for reform, including better documentation requirements and support for consumers who self-represent, is clear.
Dismissing the Case
On January 15, 2025, Anne Munoz received the news she had fought so hard for—her case was dismissed. Her determination serves as a testament to the power of advocacy and self-research. “I’m not an attorney, but I can read. I can do research, you know?” she reiterated, reminding us that knowledge is power, even if you’re fighting a giant.
A New Mission
But for Anne Munoz, victory is only the beginning. She is committed to helping others who find themselves in similar predicaments. “It’s not just me, there are other people,” Munoz shared, reflecting on the broader implications of her battle. Her story encapsulates the importance of fighting back against predatory practices and supporting those who may not have the resources or knowledge to do so.
Conclusion
Anne Munoz’s story is a powerful reminder that one person’s voice can resonate and effect change. It shines a light on the vulnerability many face when dealing with aggressive debt collection practices, and it encourages others to stand their ground when faced with unjust claims. If you or someone you know is embroiled in a debt-related legal battle, remember Anne’s journey—and know that you have the power to fight back.
In a world where debt collectors often win by default, let’s amplify voices like Anne’s and work toward a fairer system where justice isn’t solely reliant on the consumer’s response. It’s time to demand accountability, transparency, and integrity from debt collectors, and to lend a helping hand to those in need.
Read the story on 12 NEWS
Source: 12 News Phoenix
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Family
Holiday Must-Haves: Make holiday shopping a cinch
There’s nothing quite like the joy of watching a loved one’s face light up when opening a gift you selected with care, but holiday shopping can be a chore.
Last Updated on November 28, 2025 by Daily News Staff
(Family Features) There’s nothing quite like the joy of watching a loved one’s face light up when opening a gift you selected with care, but holiday shopping can be a chore.
If you’re a shopper at heart, it may be a challenge you enjoy, but if the idea of holiday shopping brings out the Grinch in you, consider these ideas for gifts to delight those you love this holiday season.
Look for more ideas to make this holiday season magical at eLivingtoday.com.
Power Up Your Holidays with Protein
Whether you’re out shopping or traveling for the holiday, savor the season without compromising health goals by treating yourself to a Premier Protein Winter Mint Chocolate High Protein Shake. Featuring cozy chocolate and refreshing mint flavors, this seasonal favorite is back, but for a limited time only. Flavorful and packed with the nutrition you need, each shake includes 30 grams of protein, 160 calories and 1 gram of sugar. Whether you drink this shake on its own or use it as an ingredient, you can ring in the season with a healthy amount of vitamins C and E, important antioxidants to support a healthy immune system as part of a healthy diet and lifestyle. Learn more at PremierProtein.com.
Holiday Sweets for a Good Cause
Few things go together like the holiday season and sweet treats. By gifting family and friends Wendy’s Frosty Key Tags, which are good for a free Jr. Frosty with every purchase, you can give back all year long because proceeds from every tag sold helps the Dave Thomas Foundation for Adoption find loving, adoptive homes for children in foster care. Available for purchase every November and December, tags are good for one full year and can be purchased in-restaurant, at the drive-thru, via a kiosk, through the app or at Wendys.com.
Step Up Gifting with Fashion-Forward Footwear
Every fashionista knows there’s no such thing as too many shoes, and that includes ankle boots and booties that never go out of style. These low-slung styles can be dressed up or down, depending on the look you’re wearing. Among this season’s hottest designs are faux animal prints, such as cheetah or snakeskin, that add some playful color and texture to complete an ensemble. If you’re not sure about the color or style, a classic black or brown bootie with well-padded soles and a moderate heel is a versatile choice with universal appeal.
Brrr-ing Gifts of Warmth and Good Cheer
Give loved ones an easy way to brighten a cold, dreary day with a cute and cozy matching hat and glove set. It’s a thoughtful and practical gift that brings a smile to recipients’ faces each time they don those warm layers to face a blustery day. What’s more, with all the options for personalization, it’s an affordable way to show you care. When choosing the perfect duo, keep your loved ones’ tastes and preferences in mind. You can find hats and gloves to match virtually any interest, whether it’s a favorite color, sports team or pop culture reference.
Holiday Shopping Hot List
Turns out, Santa may be onto something. Making your list and checking it twice can help you save money (and your sanity) during the holiday season.
- Set a budget and stick to it. Remember to include all your seasonal expenses, including Secret Santa and teacher gifts, ingredients for dishes you’ll take to potluck gatherings and admission to special holiday activities.
- Make a list. Having an idea of what you’d like to buy can help you stick to your budget and avoid frustration when you’re in the stores. You’ll be more likely to avoid costly impulse purchases and you’ll be more efficient while shopping. If you can, jot down a couple of backup ideas just in case what you want proves hard to find or exceeds your budget.
- Shop for deals. Before you head out shopping, research specials on the items on your list. You may be able to adjust your timing to take advantage of sales or find steep discounts at stores you don’t normally visit.
- Give yourself plenty of time. If holiday shopping stresses you out, it’s a good idea to start early. That way you can tackle a little at a time and avoid feeling the pressure of a ticking clock. Also try shopping during off-peak hours, such as during the week, when stores are likely to be less crowded.
- Map out your plan of attack. Planning the most direct route to travel from one retailer to the next can help keep you organized and avoid unnecessary backtracking. You can also save time and gas by making purchases online. Be sure to watch for promotions that provide free shipping and be conscious of shipping times to ensure gifts arrive in time for the big day.
Photo courtesy of Getty Images (couple with gifts)
Photos courtesy of Unsplash (boots and hats)
SOURCE:
Premier Protein
Wendy’s
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Family
Holiday Must-Haves: Make holiday shopping a cinch
There’s nothing quite like the joy of watching a loved one’s face light up when opening a gift you selected with care, but holiday shopping can be a chore.
Last Updated on November 26, 2025 by Daily News Staff
(Family Features) There’s nothing quite like the joy of watching a loved one’s face light up when opening a gift you selected with care, but holiday shopping can be a chore.
If you’re a shopper at heart, it may be a challenge you enjoy, but if the idea of holiday shopping brings out the Grinch in you, consider these ideas for gifts to delight those you love this holiday season.
Look for more ideas to make this holiday season magical at eLivingtoday.com.
Power Up Your Holidays with Protein
Whether you’re out shopping or traveling for the holiday, savor the season without compromising health goals by treating yourself to a Premier Protein Winter Mint Chocolate High Protein Shake. Featuring cozy chocolate and refreshing mint flavors, this seasonal favorite is back, but for a limited time only. Flavorful and packed with the nutrition you need, each shake includes 30 grams of protein, 160 calories and 1 gram of sugar. Whether you drink this shake on its own or use it as an ingredient, you can ring in the season with a healthy amount of vitamins C and E, important antioxidants to support a healthy immune system as part of a healthy diet and lifestyle. Learn more at PremierProtein.com.
Holiday Sweets for a Good Cause
Few things go together like the holiday season and sweet treats. By gifting family and friends Wendy’s Frosty Key Tags, which are good for a free Jr. Frosty with every purchase, you can give back all year long because proceeds from every tag sold helps the Dave Thomas Foundation for Adoption find loving, adoptive homes for children in foster care. Available for purchase every November and December, tags are good for one full year and can be purchased in-restaurant, at the drive-thru, via a kiosk, through the app or at Wendys.com.
Step Up Gifting with Fashion-Forward Footwear
Every fashionista knows there’s no such thing as too many shoes, and that includes ankle boots and booties that never go out of style. These low-slung styles can be dressed up or down, depending on the look you’re wearing. Among this season’s hottest designs are faux animal prints, such as cheetah or snakeskin, that add some playful color and texture to complete an ensemble. If you’re not sure about the color or style, a classic black or brown bootie with well-padded soles and a moderate heel is a versatile choice with universal appeal.
Brrr-ing Gifts of Warmth and Good Cheer
Give loved ones an easy way to brighten a cold, dreary day with a cute and cozy matching hat and glove set. It’s a thoughtful and practical gift that brings a smile to recipients’ faces each time they don those warm layers to face a blustery day. What’s more, with all the options for personalization, it’s an affordable way to show you care. When choosing the perfect duo, keep your loved ones’ tastes and preferences in mind. You can find hats and gloves to match virtually any interest, whether it’s a favorite color, sports team or pop culture reference.
Holiday Shopping Hot List
Turns out, Santa may be onto something. Making your list and checking it twice can help you save money (and your sanity) during the holiday season.
- Set a budget and stick to it. Remember to include all your seasonal expenses, including Secret Santa and teacher gifts, ingredients for dishes you’ll take to potluck gatherings and admission to special holiday activities.
- Make a list. Having an idea of what you’d like to buy can help you stick to your budget and avoid frustration when you’re in the stores. You’ll be more likely to avoid costly impulse purchases and you’ll be more efficient while shopping. If you can, jot down a couple of backup ideas just in case what you want proves hard to find or exceeds your budget.
- Shop for deals. Before you head out shopping, research specials on the items on your list. You may be able to adjust your timing to take advantage of sales or find steep discounts at stores you don’t normally visit.
- Give yourself plenty of time. If holiday shopping stresses you out, it’s a good idea to start early. That way you can tackle a little at a time and avoid feeling the pressure of a ticking clock. Also try shopping during off-peak hours, such as during the week, when stores are likely to be less crowded.
- Map out your plan of attack. Planning the most direct route to travel from one retailer to the next can help keep you organized and avoid unnecessary backtracking. You can also save time and gas by making purchases online. Be sure to watch for promotions that provide free shipping and be conscious of shipping times to ensure gifts arrive in time for the big day.
Photo courtesy of Getty Images (couple with gifts)
Photos courtesy of Unsplash (boots and hats)
SOURCE:
Premier Protein
Wendy’s
Discover more from Daily News
Subscribe to get the latest posts sent to your email.
Consumer Corner
Black Friday Redefined: A month-long ritual of planning, patience and price-checking
Last Updated on November 21, 2025 by Daily News Staff
(Family Features) Once a one-day shopping extravaganza defined by long lines and doorbuster deals, Black Friday has transformed into a season of rolling discounts and fading excitement.
Black Friday Redefined: A month-long ritual of planning, patience and price-checking
According to new research from TopCashback, nearly 7 in 10 Americans no longer consider Black Friday a one-day event, viewing it instead as a month-long shopping season. Only about one-third still see it as a single-day tradition. More than half of respondents said they now shop online instead of in stores, and 43% start scouting deals in early November.
Findings suggest Black Friday’s sense of urgency has shifted, replaced by a steady flow of rolling discounts and digital promotions. What was once a race for the best bargains has become a marathon for savings.
The evolution of Black Friday appears to be changing how people spend, too. While 18% of shoppers said they spend less now than they did five years ago, another 18% said their habits haven’t changed much. Only 3% reported spending more. For many, the shift seems to be less about budget and more about timing.
Asked whether they’d prefer Black Friday return to a single-day event, 44% said they like having more time to shop, while 26% said a one-day version would feel “less overwhelming.” The rest simply don’t mind either way.
“Consumers are rethinking how they approach major sales events,” said Destiny Chatman, consumer analyst at TopCashback. “They still want value, but they’re less willing to be rushed. The new Black Friday is about planning, timing and feeling in control of spending.”
The research also found shoppers are increasingly aware of the marketing tactics behind the hype. Two-thirds said they believe brands create fake urgency around Black Friday, and another 30% said they think it happens “sometimes.” Despite the skepticism, most still admit deep discounts drive their decisions – nearly 87% said upfront savings are their top motivator, compared with just 6% who said they’re most influenced by cash back or rewards.
Still, money-back incentives aren’t without impact. Four in 10 respondents said they’ve made a purchase specifically because cash back was offered, and about half said they’d consider choosing a smaller discount if it came with meaningful rewards. Electronics and tech ranked as the top categories where shoppers expect to earn the most cash back, followed by fashion and beauty.
Even with the season stretching longer, the emotional rollercoaster of Black Friday remains. Most respondents said they feel neutral after shopping while 33% said they feel proud of the deals they scored. Smaller groups reported guilt or regret after their purchases.
Impulse buying persists with more than 62% saying they occasionally buy things they didn’t plan to, and nearly 1 in 5 said it happens most years. Still, only 5% said they always feel pressured by sales, though 39% said they sometimes do.
For 68% of shoppers, seeing a huge percentage off is what makes them feel best about spending. Another 8% said they enjoy feeling like they “beat the system” and 7% said earning cash back brings them satisfaction.
“People want to feel proud about their spending,” Chatman said. “They’re realizing that a good deal isn’t just about price in this economy. It’s about timing, confidence and getting something that feels worthwhile.”
If Black Friday disappeared altogether, 55% of Americans said they’d be indifferent. Only 31% said they’d be disappointed while 13% admitted they’d feel relieved to skip the pressure.
For all its changes, Black Friday still reflects the psychology of modern spending: the balance between excitement and restraint, hype and habit. Experts say shoppers can make the most of the season by planning ahead, comparing prices over time and focusing on rewards that add long-term value rather than chasing every flash sale.
“Black Friday isn’t gone; it’s simply grown up,” Chatman said. “Today’s shopper is more strategic, less impulsive and more aware of what makes a deal truly worth it.”
To find more information, visit TopCashback.com.
Photo courtesy of Shutterstock (woman using laptop)
SOURCE:
TopCashback
Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
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