I don’t know why PayPal has closed my account

Moneywise helps a reader whose PayPal account was shut without explanation

In September, PayPal closed my account, which I had been using for about 10 years. The reason given was “activity that contravenes our terms and conditions”.

Three days before it was closed, I received a message from PayPal advising me that I was within a few hundred pounds of the amount that its terms and conditions allowed to pass through my account in one year. It suggested I upgrade to a business account so that I could continue using their facility with a higher limit. This struck me as very convenient and I sent them a valid passport and a utility bill proving that I resided at the address listed on my account.

After submitting my ID evidence, I received an email saying that I could no longer use my PayPal account. No reason was given for this. I have not been involved in any fraudulent or dishonest activity.

TS/Manchester

This does seem to happen all too often and I’ve written several times in the past about people who have had their account shut with no explanation and no access to their cash for months. The good news is that when I intervened on your behalf, PayPal responded quickly and positively. The problem turned out to be your proof-of-identity photograph, although goodness knows why the company couldn’t have sorted it out earlier.

Here is PayPal’s explanation: “EU anti-money laundering and ‘Know Your Customer’ regulations require that we verify the identity of our customers before they send, receive or withdraw receive €2,500 (or the equivalent in other currencies) through their PayPal account. To remove these limits and to comply with EU law, we will ask a customer to provide more information about themselves before they reach this amount. These are very important regulations intended to prevent criminals and terrorists from using financial products or services to store and move their money.

“TS’s account was approaching this threshold in September 2018. As a result, we asked him to provide the necessary proof of identity, which he did in the form of a scan of his passport and proof of address.

“Unfortunately, the passport scan was not of a high enough quality for us to use it to confirm proof of identity and, as a result, we placed limitations on his account. For the purposes of verification under anti-money laundering regulations, we cannot release funds without a valid proof of identity.

“We have reviewed the account and the information provided and have now been able to verify the account. TS can once again send and receive money through his PayPal account. We are sorry that we did not respond to his concerns earlier.”

PayPal offered you a £50 goodwill payment, which you asked to be donated to my chosen charity, the Indonesia Tsunami Appeal.

OUTCOME: PayPal account restored plus £50 donated to charity

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2018 Black Friday and Cyber Monday Deals For Work-at-Home Women

Did you know that there are a TON of great Black Friday and Cyber Monday deals for work-at-home women?! Yes, even the work-at-home realm is in on the holiday sales rush — which is an excellent opportunity for you to lay the groundwork or boost your work-at-home career this year and beyond. Here are some […]

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How to Know When to Use Chatbots vs Live Chat

How are you currently communicating with your customers?

If calling, emailing, or submitting a form on your website are the only means for your customers to reach you, you need to get with the times and make some changes.

Offering live chat on your website is a better way to provide customer service.

According to studies, 73% of consumers say live chat is their most preferred method of communication.

This ranked highest compared to other methods. In fact, 61% of consumers said they preferred email, 48% preferred social media and only 44% preferred phone.

Furthermore, live chat had a 92% satisfaction rating.

This was also the highest satisfaction rating compared to other forms of customer support.

It’s clear your company needs to have this feature on your website. But how do you implement it? You’ve got two choices: chatbots or live chat representatives.

Chatbots are computer-generated responses. They allow customers to receive answers to their questions via AI software.

Experts predict that by 2020, 85% of consumers will be able to manage their relationships with brands without human interaction.

And 80% of businesses are either currently using AI or planning to use AI for customer service in the next two years. Further, 45% of customers say they prefer chatbots for customer service inquiries.

With this technology on the rise, you need to have marketing skills to survive in the age of AI.

Grand View Research expects the global market size for chatbots to hit $1.25 billion by the year 2025, with a 24.3% compounded annual growth rate.

You need to decide whether you will use chatbots or an actual human to type responses to customers on your website.

People ask me which option is better all the time. The reality is each one has its pros and cons.

Chatbots and live chat representatives work well together. I’ll explain when it’s best to use one over the other in this guide.

I’ll go through some factors and scenarios to help you decide the best fit for your website.

Response time

You don’t want to make your customers wait. That’s a big problem when it comes to customer service.

We’ve all been there—sitting on hold on the phone for what feels like a lifetime waiting to talk to someone.

Live chat drastically reduces wait times. In fact, 79% of consumers say they prefer live chat because they get their questions answered immediately.

Just look at these average response times of live chat compared to social media and email:

Live chat blows these other methods out of the water in terms of speed.

But it’s still not perfect.

Believe it or not, 21% of live chat support requests are ignored by businesses.

While live chat has a fast response time, it can still be improved.

On the other hand, chatbots have an instant response. Upon a customer posting an inquiry, a chatbot can generate an answer within seconds. This gets the conversation going right away.

If you’re looking for the fastest response times, chatbots win. But live chat will still be faster than the other options you’re using.

My recommendation is to use a combination of the two options.

When a customer begins a chat session, start with a chatbot to give them an instant reply. This bot can gather preliminary information about the inquiry until a representative becomes available.

Chatbots can also make sure the customer gets transferred to the right representative who is qualified to answer their question.

I’ll talk more about how chatbots and live chat representatives can work together further in this guide.

Cost efficiency

Your business decisions need to be cost-effective. Live chat will help reduce costs compared to phone support.

In fact, studies show that it’s 17-33% less expensive to communicate with a customer via live chat than phone calls.

Live chat agents have the ability to multitask and help several customers at the same time. This can’t be done over the phone.

Implementing live chat will improve your operational efficiency.

You’ve got to determine how much this new technology will cost you. Here’s a look at some average prices to give you an idea of what to expect:

The pricing will depend on many factors, such as the number of agents you’re paying and the times they’re available.

It will also vary depending on whether you’re paying staff in-house to handle these inquiries or outsourcing this service to a general customer service agency.

If you’re paying more than $20 per month per user, I’d say that’s expensive.

Outsourcing support to a customer service agency will be cheaper, but you may lose some quality of the responses compared to those given by one of your own employees.

How many employees will you need to handle your live chat communication?

Research shows 51% of businesses have just one agent dedicated to live chat. And 39% of companies have between two and five agents.

That’s not surprising, considering 70% of brands that implement live chat have less than 5,000 unique website visitors each month.

And we know that 52% of companies say price is the most important factor influencing their decisions to use live chat.

Chatbots will lower these costs.

Sure, you’ll need to pay for the AI software. But this will definitely cost you less in the long run compared to paying employees in addition to the cost of the live chat software.

If you’re looking for the cheapest option, you’re better off with chatbots.

But using human reps to respond via live chat is still cheaper than phone support.

Human touch

Artificial intelligence is definitely advancing.

Responses by chatbots can mimic human answers. In some instances, customers won’t even notice they talk to a robot.

That said, chatbots can’t replace that human touch.

There is still some resistance from customers when it comes to using chatbots:

As you can see, people have their reservations about using this new technology.

There are times when customers would rather deal with an actual person. Consumers are also worried about chatbots making a mistake.

About 37% of consumers expect to use a chatbot for getting a quick answer in an emergency.

For example, a chatbot could help someone determine whether an item is in stock or help track the shipping of their package.

And 34% of people say they would use a chatbot to help them find a customer service associate. This echos my earlier point about the two options working well together.

Based on what the customer is looking for, the chatbot can appropriately direct them to an agent. For example, a sales inquiry may go to one department, and a question about technical support may go to a different department.

Start with a chatbot, then transfer the customer to a live chat session with an actual human.

Availability

If you’re going to use humans on your website to chat with customers, they’re probably not going to be available 24/7.

This is especially true if you’re planning to use your employees to handle these chats. Your costs will be significantly higher if you’re paying for human support 24/7, 365.

Giant global corporations such as Apple can afford this, but smaller businesses cannot.

That’s when you’ll need chatbots.

The number one potential benefit of using chatbots is 24-hour customer service.

Chatbots can respond to customers in the middle of the night as well as on weekends.

That’s because chatbots don’t need to eat, sleep, or take bathroom breaks.

To maximize your availability and provide 24-hour service without paying extreme labor costs, use chatbots.

Even if you use human representatives during business hours, you can switch to chatbots when your customer support agents are offline.

Resolving inquiries

Fast response times are important. Being able to get an answer at any time of the day or night is a great benefit as well.

But these are useless if the customer inquiry isn’t resolved.

That’s why they’re reaching out in the first place. The customer has a question or a problem that needs to be addressed.

Most people would assume a human representative is the only way to solve a customer problem. However, that’s not always the case.

Research shows that eight out of ten chat sessions can be resolved by a chatbot.

Chatbots aren’t perfect: 20% of these sessions don’t end in a resolution.

It’s nearly impossible to please 100% of your customers. However, you want that number to be as close to 100% as possible.

In some instances, a chatbot can transfer the conversation to a customer service representative.

Those agents will be able to do things that chatbots aren’t capable of yet, emphasizing the need for the human touch.

Chatbots can’t feel empathy or convey a specific tone the same way a human can.

A chatbot won’t give customers the right response if it doesn’t understand what they’re asking.

Here’s an example of that:

As you can see, the chatbot provides useful information. The first question gets answered appropriately.

But the second question doesn’t get answered properly.

Chatbots could also run into problems if the customer’s query has spelling and grammar issues.

If a customer is looking for help with something like custom pricing based on their unique situation, a chatbot may not be able to provide them with the assistance offered by an actual person.

Can a chatbot resolve inquiries? Absolutely.

However, at times you’ll need to transfer those inquiries to a human.

Again, this highlights the fact that chatbots and live chat work well when paired together.

Conversions

Ultimately, you want your customers to convert after reaching out to your customer support via whatever option they choose.

Live chat increases the chances that people will buy:

In fact, 38% of consumers will make purchases on ecommerce websites as a direct result of their live chat sessions.

Live chat is a great way to drive conversions. That said, live chat isn’t proactive.

Allow me to explain.

Once a site visitor determines they want to use live chat to solve their problem, they need to make an effort to reach out. As a result of the conversation, they’ll be more likely to convert.

But the visitor needs to make that initial step.

It’s obviously unreasonable for a human agent to reach out to every person who lands on your website.

That’s when you can use a chatbot to be proactive. Here’s an example from the Levi’s website:

When a customer lands on this website, an AI chatbot automatically starts a chat session.

This is proactive.

Now, if a customer has an inquiry, they’ll be more inclined to take advantage of this feature. If the chatbot is unable to resolve the problem, the chat can be transferred to a human representative.

Conclusion

Your business can provide better customer service by implementing live chat.

Now you just need to determine whether you’re going to use human representatives or chatbots to handle this communication.

Chatbots will provide an instant response, but live chat agents are still faster than your current methods of customer support.

Live chat representatives are less expensive than phone calls from customers, but chatbots will be cheaper in the long run.

However, chatbots don’t add a human touch to the conversation.

Chatbots are available 24/7, which won’t be the case for actual agents.

Surprisingly, bots are able to resolve the majority of customer inquiries. Both live chat agents and chatbots increase the chances of getting customers to convert.

Ultimately, live chat and chatbots work best when they’re implemented together.

I recommend you use both of these on your website to maximize efficiency and get the best results.

Are you planning to use chatbots, live chat agents, or a combination of both to improve customer communication on your website?

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Giving Thanks

The açt of giving thanks isn’t something that comes natural for most of us. Most of the people reading this article have a life that’s absolutely chock full of things to be thankful for, and yet our minds come back to the negatives, the regrets, the things that we wish could be better rather than the things that are great.

It is really easy to overlook all of those things in our lives that really are great in an effort to seek out more and more and more.

Let today be a call to be thankful for the many, many things that we have in our life that we often take for granted, so that we might see the abundance we already have and be a little less driven to excess and perhaps use the gifts we have to secure our own prosperity and gifts instead.

It is easy sometimes to get caught up in the things that aren’t right, the pains, the problems, the mistakes, the regrets, the things left undone. Today, I’m turning my eyes away from that and looking at the bounty that I have.

With that, here are some of the many thing I am thankful for today.

* * *

I am thankful for my family, particularly my wife Sarah and my three children, as well as the numerous extended family members that I’ll be seeing over the coming days. I am incredibly lucky to have an abundance of family members who care about me and choose to spend some of their free time with me. I’m incredibly greatful that those opportunities we have to spend time together tend to be peaceful and joyous and full of laughter.

I am thankful for my close friends, both present and past, who are both local and spread out all over the world. I have had people come into my life from all walks of life and profoundly change me in untold ways, mostly for the better. I am thankful for the opportunities I have to spend time with them in conversation and laughter and do many things together.

I am thankful for my own health, both mental and physical. I’m incredibly lucky to be able to get up in the morning and largely feel quite good in terms of my health and my mental state. I am particularly thankful for having discovered taekwondo and yoga over the past two years, as they have had a profound positive impact on my life.

I am thankful for the opportunity to write for various organizations and cobble together enough income to make a nice living and adequately care for my family and prepare for a wonderful future together with Sarah. There are moments when the work is incredibly challenging, but it brings me joy and meaning on an amazingly consistent basis, and that I also make a living doing it sometimes feels like a miracle.

I am thankful for the simple pleasures of nature: the warmth of sunlight on my skin, the smell of fresh air, the rustle of leaves, the colors of the fields and the forest.

I am thankful for countless little things in my life that add up to so much: reading a good book, playing a tabletop game with friends, making a great meal, tasting a really flavorful full-bodied craft beer, feeling my legs really stretch out when I’m warming up for exercise, holding my wife close to me, getting into a comfortable bed after a long and busy day… those little things really add up.

* * *

I could go on and on and fill up thousands of words listing things like this that I’m thankful for. As I write one of them down, two more pop into my mind, and the article could continue on like that forever.

I write down things I’m grateful for almost every day and even though my life is incredibly full of things to be thankful for, there are still some days where it’s a challenge to even list a few. This used to mystify me – I know that there are many good things in my life, so why does it feel hard and awkward to list them?

The reason is that our minds are conditioned to look not at the good things, but at the bad. We don’t think about what we’re good at most of the time. Instead, we look at our flaws. We don’t consider the many things that are good in the world. Instead, we focus on what’s bad.

Sure, one could point a finger at the media for this, as they breathlessly report every bad thing that’s happening in the world without giving half a second to the good things, and constantly strive to make ordinary people seem menacing and evil. However, the media reports such things because they get ratings, and such things get ratings because we are drawn to watch them. We’re drawn to look at the negative, to strain our neck to see the car accident, to look at our own flaws and the flaws of others.

It is often because of those negative feelings and those perceived flaws that we end up feeling like our lives are emptier than they really are, and we respond to that by wanting more and more and more.

In that process, we often wind up neglecting many of the wonderful things we already have in our life. We start taking things for granted. Our spouse. Our children. That gorgeous view out of our back door. The taste of coffee in the morning. The warm touch of our spouse’s hand on our back. The good things we’ve done. The good traits we have. We just take all of it for granted and turn our eyes to the negatives.

The singular best antidote I’ve found to that is the simple daily routine of stopping and giving thanks and gratitude to a handful of things in my life, things I haven’t been grateful for lately. That simple act reminds me of how incredibly much I do have in my life, and how silly it really is to keep chasing more and more and more.

Giving thanks shouldn’t be cordoned off to just one day a year. Rather, it should be a daily part of our lives, a routine that reminds us of how much we have in our lives. It should be an intentional thing, because, as I noted above, we have a great tendency to turn our eyes toward the painful and negative things in our lives – the things left undone, the things we want but do not have, the things we see as flawed in ourselves.

In truth, every one of us has great things about ourselves that we often don’t give even the most fleeting thought about. Every one of us has done a lot of worthwhile things in our lives. Every one of us already has an overwhelming abundance of good things in our lives, far more than we can count and far more than we probably ever realize.

Rather than looking at the bad in our lives and in the world, make a conscious effort to spend some time each day reflecting on the good things in our lives and in the world.

* * *

So, here’s what I propose to you, starting with this Thanksgiving Day and repeating for each day forward.

Spend just a minute or two today thinking intentionally about the good things in your life and how you’re grateful to have them. Make this into a daily routine, and try not to repeat anything for a week.

I find it useful to actually write them down, though you don’t need to keep a journal per se. I just find that the act of writing something down helps me to really focus on it. I usually aim to name five things each day, and they can’t be things I’ve named in the last few days. They have to be new things.

I find that this practice achieves several things that make my finances better and, frankly, my whole life better.

It forces me to look at the positives in my life. I am so often drawn to my flaws and the things I don’t have in life. I think about my character flaws. I think about the mistakes I’ve made. I think about the things I wish I had. I think about how people have treated me poorly.

Those thoughts lead to a pretty awful place. They lead to a place where it’s very easy to convince myself that I need more in my life, when I really don’t. It’s a place where I want to believe that a product can change some flaw about me, when it really can’t. It’s a place where I’m driven in my decisions by emotion, not choice.

Looking at the positives in my life in a careful and deliberate fashion, if only for a couple of moments, is like lighting up a lantern in a dark cave. It pushes away a lot of those critical negative feelings in a subconscious way. I simply don’t think about them for a while.

Furthermore, chaining together many days of being thankful tends to improve my overall worldview and perspective on myself. It becomes harder and harder to believe that I’m inherently flawed if my life has such abundance. It becomes harder and harder to believe that I’m missing out if I have so many good things around me. It becomes harder and harder to believe the world is such a bad place if there are such good things going on.

It’s that constant chain, that incessant flood of reflecting on those good things, that brings sunshine into the darkness. It’s like installing track lighting in the dark cave of your soul, and when you’re able to look around, you begin to see that there’s plenty already there and there’s no need to want more and more and more.

It’s not an immediate overnight change. It takes time and repetition, but it builds on itself. You begin to feel better about what you have and what your place in the world is like, and the desire to have more and more and more grows less and less.

* * *

As powerful as being thankful and reflecting on gratitude is when it’s a thing that you do privately, it’s perhaps even more powerful when you share those thoughts with others.

Telling someone thank you for what they mean to you or what they’ve done for you or the impact they’ve had on you is a powerful act, not just for you, but for the person receiving the thanks as well.

For you, it’s a way to deeply connect with someone who has lifted you up in some way. It’s a way to repay in a small way what they’ve given you, and for you to bring something valuable into their life without cost to you.

That’s important: thanking someone for what they’ve done for you really has no cost to you. It’s one of those acts that has only upside.

For them… well, few things in life are more powerful than hearing someone tell you sincerely that you changed their life in a positive way. It means a ton to them, even if they have lived a life such that they’ve heard such things before from others. It’s one of those things that is always powerful and never gets old. It’s powerful for everyone.

There are many ways to give thanks one on one. A conversation. A lunch together. A phone call. Even a text or an email.

My preferred way of doing this is by sending a handwritten thank you note. It costs less than a dollar to do this and it becomes something permanent that they can hold onto as a reminder that they’ve done something valuable.

If you want to step out even further, thanking someone publicly is an incredibly powerful act. Speaking in front of others while thanking someone for all that they’ve done for you is a wonderful way to honor and give credit to someone in a truly humble way. It’s one of those acts that leaves almost everyone involved feeling good – you feel good for being able to thank someone for what they’ve done for you, the recipient feels honored by your words, and everyone else feels good because of their connection to the two of you.

You can even write up such a tribute and share it on social media or other public places so that your words can be read by a very wide audience.

Beyond that, I’ve found that sincerely and specifically giving thanks to someone else has a very long tail of positive feeling in both the giver and the recipient. You feel incredibly good about having done it, while the other person feels incredibly good for having received it, and it costs nothing. It’s the power of thankfulness.

Today, give that kind of thanks to someone. Look for someone you’re spending some time today with and tell that person thank you for how they’ve helped you in the past. Do it one-on-one if that feels most comfortable to you, or do it in front of others so they can hear it. Regardless of what you choose, do it. Give thanks.

Furthermore, try to make it into a habit. Writing a thank you note to all of the people in your life that have helped you is a great thirty day challenge, one per day. See if you can fill the next month with this.

* * *

Giving thanks, particularly when done regularly, often boils down to revealing one fundamental truth about your life: you have an abundance of truly good things in your life. The reality is that you don’t need more – in fact, more is often overkill as it can push out many of the wonderful things you already have.

In those moments when you feel empty and you feel somehow drawn to try to buy something to fill that perceived empty space, step back for a moment and think about the abundance of things you have in your life. The people. The experiences. The personal pleasures. The memories. The little things. The big things. Remember how full your life really is, and give thanks for those things, either alone or directly to someone else or to a wide group of people.

What you’ll find is that such thoughts, particularly when practiced with regularity and sincerity, are a powerful tool for washing away a sense of being unfulfilled in life, and it’s that sense of being unfulfilled that often drives some of our worst impulses and financial mistakes.

Give thanks. You won’t regret it.

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The 60-20-20 Budget Puts Needs Before Wants. Here’s How to Try It

I always thought the right budget breakdown was the tried-and-true 50-30-20 method, where 50% of my monthly take-home pay goes toward living expenses, 20% toward savings and 30% toward whatever I want.

But when I finally got a financial advisor, I was surprised to hear that his recommendation wasn’t 50-30-20 after all — it was the 60-20-20 budget.

During our first meeting, we discussed all of my finances. I explained to him that I own a home in a costly state (hello, New Jersey), commute to work in New York City, aim to save a large amount every month and have little debt.

With all of this and more in mind, his recommendation of the 60-20-20 budget made perfect sense. I immediately became a huge fan of how the money I save and spend on whatever I want is equal — each 20%. Plus, knowing I was allowed 60% of my monthly budget for my living expenses, I had a little more flexibility over my fluctuating bills like groceries and electric.

Why the 60-20-20 Budget?

In reality, you can budget your take-home pay any way you want, but the 60-20-20 budget is great place to begin.

Let’s say your monthly take-home pay is $4,000. According to the 60-20-20 budget, you should allot 60% (or $2,400) to your monthly living expenses, 20% (or $800) to savings and then 20% (another $800) to your personal wants.

My financial advisor, Northwestern Mutual insurance agent Nicholas Verard Zanoni, said this method can help you build structure into your budget and learn how to save.

“With this rule, 60% of your [take-home pay] will typically go toward your lifestyle expenses,” Zanoni said. “These are your needs — food, water, shelter and standard of living. Things like your fixed expenses. Then 20% is for your discretionary spending. This is your fun money — traveling, drinks, sporting events, concerts, eating out, etc. And the last 20% is to be saved or invested.”

It’s not much different than the 50-30-20 budget, but it puts more of a focus on fixed expenses and savings than personal wants and spending.

“This is a rule-of-thumb guideline to start out with and visualize,” Zanoni said. “Whether it’s 50/30 or 60/20, it’s really just splitting hairs in a lot of ways. Ultimately, my goal is to help coach my clients at first to spend 80% and save 20%.”

When you take a step back and look at how much of your take-home pay goes into each of these three buckets, you can better analyze your spending in order to make smarter savings decisions.

How to Get Started With the 60-20-20 Budget

If you’re ready to utilize the 60-20-20 budget, start by taking inventory of your finances. Write down every monthly expense you can think of and keep track of them in a spreadsheet. Then look at how much you’re spending through the lens of the 60-20-20 budget.

From there, consider using a financial app to help you find ways to cut back and save even more.

“People should focus on treating their savings like a bill, an obligation and not so much of an option,” Zanoni said. “Focusing on fixed expenses and saving helps identify the money that might be being spent unnecessarily or without much recognition. More often than not, most individuals are not aware of all of the things they spend money on.”

This budget could help you be more aware of your spending habits, especially when you’re doling out the dough for things you don’t really need (hi, super cute sweater from H&M) or that you’re not using (hello, monthly streaming subscriptions).

Instead of equally spending $800 on savings and $800 on your personal wants, perhaps you’d want to put $1,000 toward your savings and only spend $600 on your personal wants. That would shift the 60-20-20 budget to 60-25-15, and you’d be saving more.

“In order to reach the goals we have for ourselves, we very typically find that we need to increase savings to 25 or 30% over time to reach those goals,” Zanoni said. “People may not be able to start out at 20%, but that’s what we want to help them achieve and work toward at first. Over time, we will need to be saving more as we continue to progress in life every single year.”

Lastly, Zanoni said to keep your goals in mind and consider working with a financial advisor who can help you stay on track.

“Focusing on that budget and making sure that they work with someone to help optimize that budget for all of their goals is really the most important part,” Zanoni said.

Budgeting is all about finding ways to set yourself up for financial freedom. Starting now can really make a difference in the future.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) and its subsidiaries. Nicholas Verard Zanoni is an insurance agent of NM.

Hilarey Wojtowicz is the senior career and finance editor at Swirled, a lifestyle newsletter and website that helps millennials learn everything they need to know in order to truly start adulting.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Don’t Lose Your Home. Fight Eviction With These 4 Strategies