Tatyana D’Ascenzi

Senior Manager on the Financial Planning and Analysis team

Joined Avant in 2021

What’s it like to work @Avant? We asked Tatyana for her take on our culture, and here’s what she said:

1. How would you describe Avant’s culture?

It’s non-hierarchical, passionate, and very high energy. Avant does a really nice job of recruiting people with shared values. When I was interviewing here, the people I spoke to gave me an impression of the culture, and once I joined I was really impressed that this culture was actually reflected across the company. And everyone is so smart and friendly!

2. Why are you happy/successful here?

I have a lot more autonomy here than I would have at most companies. I love the way that allows me to be creative and put my own spin on things. On the FP&A team in particular, we have this attitude of “enhance something every single month,” and that value really resonates with me. It gives me a sense of purpose and I’m excited to see what we can achieve month to month. And finally, I would say that my work feels more valued here because it’s still a young company. There’s lots to do and lots to build, so I’m working on things that are genuinely impactful.

3. At Avant, we talk a lot about our love of problem solving, taking initiative—the more technical or functional elements of our culture. What is the softer side, or the human side, of Avant like?

One example that comes to mind is when AvantConnect (our internal newsletter) comes out, people really make a point of noting when their coworkers’ birthdays are and reaching out personally. Another one is that my manager noticed I was not taking time off, so he reached out to actively encourage me to do so. No manager has ever encouraged me to take PTO before. I loved that.

5. If you were to describe who you are and not mention your work at all, what would you say?

Wife, and mom to two little kids. Driver, tutor, and party planner! Also, I love everything about food, from shopping for it to preparing it to eating it, that’s a huge passion of mine. I’m even trying to grow it as of late, but I have a lot of competition in my yard, a lot of bunnies. So I spend all summer watering everything, and then the bunnies get to enjoy it.

7. What’s a superpower that you get to apply at your job?

One thing that every manager I’ve ever had has commended me on would be my attitude. That makes me think it’s a differentiator. I stay positive whether things are calm or chaotic at work, and I am genuinely curious to learn about and understand others’ points of view. I will run through walls to get things done that I believe in. Also my willingness to change my mind—just give me the data and I am more than happy to say “You know what? I was wrong and you are right. Let’s do this.”

8. When you were little, what did you want to be when you grew up?

Since I was very little, I wanted to be a lawyer. I had an incorrect perception of what that job was, all based on movies. I thought that I would be in the courtroom arguing and defending. When I grew up, I realized most lawyers don’t do that. But as a kid, I wanted to become the type of person who could win in the courtroom. I even joined the debate team in high school to get over my fear of public speaking. I looked at the people who inspired me—super intelligent, resilient, could do anything—and that was the kind of person I wanted to grow up to be.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Tatyana from the FP&A Team appeared first on The Avant Blog.

Corey Flood

VP, Treasurer on the Finance team

Joined Avant in 2015

What’s it like to work @Avant? We asked Corey for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

We’re intellectually curious and have a culture of making mistakes and learning from them. People genuinely want to learn, and there are lots of opportunities to do so. We really support each other in that. You can try new things, new challenges, and you know that if you do make mistakes, the main thing that’s gonna happen is we’re gonna learn from them, adapt, and better position ourselves for the future. It’s a safe place to get out of your comfort zone.

2. Why are you happy/successful here?

This is for sure the longest I’ve been at any job, because I keep finding new opportunities to grow. I started in June 2015 as a senior associate in the Treasury Department, and over the past 8 years, I have been challenged to take on new responsibilities and learn so much new stuff outside my area of expertise. I work with really good people, especially on my team in Treasury and Finance, and we are all making the smartest decisions we can. When something goes wrong, we see it as an opportunity to learn and do better, no pointing fingers. We know things will be okay and we’ll all learn something.

3. At Avant, we talk a lot about our love of problem solving, taking initiative—the more technical or functional elements of our culture. What is the softer side, or the human side, of Avant like?

I think we all genuinely mean well, and we assume that others mean well. We see each other as human beings and that manifests itself in better outcomes as a company. As we’ve gotten bigger and more complex, the problems we are solving have also gotten bigger than any one person’s contribution. We have to get together and coordinate, set aside some of our own priorities to achieve someone else’s or help the company overall. Having that consciousness of 1) caring about other people and what they are trying to accomplish and 2) caring about the collective ahead of what might be easiest for you is something we do pretty well. Having that as a characteristic of our culture is super important.

5. If you were to describe who you are and not mention your work at all, what would you say?

I’m a family guy. I love what I do for work, but I live for my “real” life, my wife and my daughter. That’s where I’m happiest. I’m also passionate about travel—when I think about what I’d want to be doing if the world were about to end, it’s exploring. The moments when I feel the most at peace or at home are when I find myself in random places that I never imagined being in. We spend a lot of time traveling in Latin America—my wife is from Mexico City and I’ve learned Spanish over the years, and we’re teaching our daughter Spanish at home.
One other thing: I don’t follow sports at all, it’s like a negative passion for me. And having started my career in finance, which can be very macho, sports is the main thing people talk about at the start of meetings. I’ve always been the one guy who doesn’t have anything to add to that conversation, and the older I’ve gotten, the more I double down on that. I used to read the headlines and now I’m just like “yeah, I don’t know anything about it and I have no idea what happened.”

6. If you could go back and talk to yourself as you were going through the Avant hiring process, what do you know now that you would want to tell yourself then?

Try to find the right balance between building the expertise you need to do your job well and getting exposed to new opportunities that expand your skill set. That’s something I’ve tried to do more of in the second half of my time here: talk to people more, understand other people’s jobs more, and get a more holistic understanding of our bigger goal. So you want to build your own valuable expertise in your craft and go deep into your role, but make sure you balance that with taking the opportunity to open your eyes and learn from your peers. I didn’t do enough of that the first 3 or 4 years I was here. It’s one of the really cool things about Avant, seeing people try so many different things.

7. What’s your favorite thing about the way your specific job role works on your team?

Something I really like about my job, in a nerdy way, is that my team makes sure we have funding for our business. We are a bridge between what investors want and need, what actually resonates with consumers, and what works for Avant financially. It’s really cool being that team, and working with other teams who have a completely different set of expertise and problems to solve. Having a seat at that table has allowed my team to learn so much more about our customers, about our products, about the business. It’s the most fun part of my job, weighing all these considerations from an investor and customer and company financial side and then making decisions on how to put it together. There’s never a perfect answer, and the solution is a continually changing thing. That is super fun.

8. When you were little, what did you want to be when you grew up?

Funny enough, I wanted to be a hockey player. I grew up in a hockey family. Now, I want my kids to enjoy sports if they enjoy sports—it’s not like I hate them, there’s just so many other things I’d rather think about or watch!

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Corey from the Finance Team appeared first on The Avant Blog.

Kevin Mornot

Cyber Threat Operations Manager on the Cyber Threat Operations team

Joined Avant in 2021

What’s it like to work @Avant? We asked Kevin for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

The culture’s great. It’s very good at giving you the open space to have an idea and run with it to completion. Teammates are great, bosses are great, but I think to get the most out of the culture, you need to do two things: be open to other people’s ideas, and if you don’t like someone’s idea, suggest one of your own. Being able to take and give constructive criticism, and then have an idea for another way of doing it, is a big part of our culture.

2. Why are you happy/successful here?

It’s the freedom of just being able to be myself. I don’t have to fit a mold of how to be a manager, and my manager believes in me. He doesn’t micromanage me, he believes in the work I produce. So I have the freedom to make mistakes and then correct those mistakes without being browbeaten down. I have freedom—creative freedom.

3. If you had to describe who you are and not mention your work at all, what would you say?

Oh, this is tough! Positive person. Free thinker. Good communicator. Enjoys helping and seeing others’ success, being part of others’ success. I love being able to help people, mentor people. Just trying to be a good person! I love starting businesses, love the feeling of entrepreneurship and trying to build something from the ground up and succeeding. I like goals, any kind of goals. I’m a goal crusher. And I’m a big WWE wrestling fan. I go to as many wrestling events as I can.

4. If you could go back in time and talk to yourself as you were going through the Avant hiring process, what do you know now that you would tell yourself then?

Be you, you know what I’m saying? You don’t have to compromise who you are for anything, just be who you are. Just be Kevin all throughout the hiring process—they’re going to like you and you’ll still get the job if you be yourself. I can sometimes tone myself down a little bit, but once I got hired, people were like “Oh, we loved you from the jump” and I thought “dang, I should have just been me from the jump!”

5. At Avant, we talk a lot about our love of problem solving, taking initiative—the more technical or functional elements of our culture. What is the softer side, or the human side, of Avant like?

This makes me think of Demo Day, when new hires get up and introduce themselves to the company. We ask them to answer the same set of Demo Day questions that we’ve been using for years. What’s your DJ name, if you were a snack what kind of snack would you be, etc.—all of that shows Avant’s culture. Like, we don’t take ourselves too seriously, and it’s a good ice breaker. No company I’ve ever been in has ever done that.

5. When you were little, what did you want to be when you grew up?

Wrestler. WWE Superstar, that’s what I wanted to be. And my name is embarrassing as hell but I’ll tell you. It was “Mr. Untouchable Marcus Bailey.” It just sounded good.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Kevin from the Cyber Threat Operations Team appeared first on The Avant Blog.

Ethan Feldman

ML Ops Engineer III on the ML Ops team

Joined Avant in 2021

What’s it like to work @Avant? We asked Ethan for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

Avant is a very collaborative and hard-working environment. Everyone is interested in trying to move fast and achieve things, but we’re working within this space that has a lot of diligence and oversight, so there’s a little bit of give and take there. We do a lot of cross-functional work, and everyone is really interested in helping each other. We pick up whatever needs to be picked up and are ready to pivot and make changes based on what’s important to Avant.

2. Why are you happy/successful here?

First and foremost, it’s the people that I’ve gotten to work with. I feel very fortunate about the group that I’ve been a part of. People are genuinely interested in getting to know each other, and I feel comfortable showing up to work as myself. There’s no competitive edge or trying to get ahead of each other. That’s meaningful and I’ve always appreciated it a lot. I feel like I’ve had the support of the team members around me and that I could rely on them not just for work, but actually enjoy spending time with them, too.
The other thing is the work-life balance that I’ve found at Avant. Managers don’t want people to feel overwhelmed, and they work to prioritize and focus so it’s not like you’re trying to do everything. The balance here has been really important to me.
I just have a general feeling that Avant is interested in investing in people, both in terms of giving them a balance of living their lives in the moment and also trying to work together on how to fit your goals for your career into what Avant is doing.

3. What’s something Avant is really good at? What’s something you’d like to see us get better at?

It’s a little cliche, but the thing that came to mind for me that we’re doing really well is investing in people. Avant really wants to see its employees be successful and meet their goals. If you’re clear about what you’re looking to learn and what opportunities you want to take on here, leadership makes an effort to support that.
For what we could improve on, two things came to mind. The first is around documentation. We have a ton of information about our processes, and trying to have a more centralized ability to get a holistic view, not just of what happens on your own team, would be beneficial. And similar to that, lately we have had some growing pains around competing priorities, going in new directions and then ultimately deciding to pull back. There are only so many things we can actually do, and it’s tough to constantly pivot to new priorities. That’s another thing that we could get better at.

4. If you had to describe who you are and not mention your work at all, what would you say?

I think of myself as a caring, curious, and creative person. My background is a little unorthodox and I think I bring that perspective with me. I’m a former high school math teacher and I also spent time working as a brewer at a small brewery in Chicago. I don’t really tie what I do for work into my identity—it’s more that I try to think about who I am as a person, and then I show up to work as that person.

5. What’s a superpower that you get to apply at your job?

This one comes back to my background in teaching. I have been in a lot of conversations and meetings in my life where it’s clear to me that there’s a disconnect happening, where one person is asking a question and someone else just doesn’t get the question that’s being asked, so they don’t answer it in a way that actually addresses it. The time I’ve spent teaching really helps me identify the root of the confusion. I can recognize when someone is trying to get at something that the rest of the room just can’t see.

8. When you were little, what did you want to be when you grew up?

I spent a lot of my life thinking I was just going to do math, and going down the path of teaching from the get-go. I guess when I was really little, it was some kind of basketball or baseball player, but otherwise I’ve kind of always had the teaching bug.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Ethan from the ML Ops Team appeared first on The Avant Blog.

Patricia Li

Senior Manager (as of 2023, formerly Product Manager) on the Account Opening team

Joined Avant in 2018

What’s it like to work @Avant? We asked Patricia for her take on our culture, and here’s what she said:

1. How would you describe Avant’s culture?

Avant’s culture is really collaborative, it’s fast paced, and it’s dynamic. By collaborative, I mean that people across many teams are working on projects together, so you’re not in a silo doing just your own work. It’s face-paced because there are a lot of different pieces that everyone is working on and a lot of different factors we’re responding to, whether it’s macroeconomic or something on your team or even something personal. And it’s dynamic because it’s always changing and evolving. We’re always looking at new products, new ways to reach our customers, new initiatives that we want to tackle.

2. Why are you happy/successful here?

I’ve been lucky to have worked with some really great managers who have been invested in helping me learn and achieve things in my career. I also really feel a sense of camaraderie, because everyone’s willing to pitch in. And then personally, I just love working on a variety of projects and being in this fast-paced and dynamic world that we’re in. I really like that I’m never stagnant. I’m always learning something new, rather than doing the same thing over and over. I get to learn new skills and interact with different parts of the business, all the way from Operations and Operations Strategy to Product Strategy and the life cycle of our products.

3. If you had to describe who you are and not mention your work at all, what would you say?

I have a lot of different hobbies, some on the crafty side. I like to knit and cross-stitch. I also like to watch TV and read books, and play board games—I play a lot of board games, both at Avant and in my personal life. I have an eclectic collection of interests and hobbies. And I love stationery. There’s something so nice about fresh paper and a new pen! It’s the little things.

4. What’s something Avant is really good at? What’s something you’d like to see us get better at?

It’s really nice how invested leadership is in making sure that everyone’s opinions are heard. When I think about our all-company and organization-specific Town Halls, the Glint surveys we do—it’s really valuable that leadership cares about every Avantee’s opinion, and that we have the ability to voice it. Leadership looks at trends and tries to do things to help when there’s a specific topic of interest. Obviously not every person feels exactly the same way, so you can’t make everyone happy, but just the fact that leadership is actively listening is pretty valuable.
And then I think that as a company, we still need to work on the balance between being realistic and being optimistic about what we can achieve. It can be hard to hit all the ambitious goals we make at the beginning of the year when we have to respond to something new that comes up or a project bleeds over its timing. I think we need to find that balance between realism and optimism.

5. If you could go back and talk to yourself as you were going through the Avant hiring process, what do you know now that you would want to tell yourself then?

When I was going through the hiring process, I didn’t realize how many different people I would get to talk to. And how many different opinions would be solicited throughout the hiring process. Now, having been on both sides, I really like how we try to get a diverse interview panel—not just people that you’re going to work with directly, but people on teams upstream or downstream from you, or who you’ll collaborate with often. It’s cool to know that about the panel, because a lot of your time here is actually spent working cross-functionally! The team that you’re actually on may not be the people that you spend the most time working with.

6. What’s a superpower that you get to apply at your job?

I love organizing things. I love putting things in a very logical fashion. Even just color-coding and creating project plans. I love that I get to do that as part of my job. It’s a lot of fun to think of new ways to present information slightly differently, learn ways to present it more intuitively, reorganize it. I really enjoy that.

7. When you were little, what did you want to be when you grew up?

I wanted to be a nuclear physicist. That sounded really cool and scientific. I did not know anything about what that entailed, but it just sounded like a really cool job where I’d get to learn so much about different things. And I did really liked science. Secondary was astronaut—that was my fallback.

More from Patricia in Pursuing Passion, Not Practicality: How 14 Women in Tech Entered the Industry here.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Patricia from the Account Opening Team appeared first on The Avant Blog.

In this article, we’ll discuss why it’s important to pay credit card bills on time, when the best time to pay your credit card bill is, and the benefits that can come along with paying off your credit card bill early.

• Why is it Important to Pay Credit Card Bills On Time?
• How Do You Know When to Pay Off Your Credit Card?
• Is It Better to Pay Your Credit Card Before the Due Date?
  • Helps Reduce Your Credit Utilization
  • May Help Increase Your Credit Score
  • Helps Reduce Your Interest Charges
• Get an Avant Credit Card Today
• Explore More Financial Support Resources

Why is it Important to Pay Credit Card Bills On Time?

Paying your credit card bills on time is extremely important for maintaining a good credit score. Late payments can have a negative impact on your credit history and lower your credit score, making it more difficult to get approved for loans or credit cards in the future. In addition to this, late payments could result in late fees, which can add up quickly and could increase your overall debt. If you repeatedly make late payments, your credit card issuer may lower your credit limit and/or could increase your interest rate, which could cause you to pay more in interest charges over time. 

Additionally, some credit card issuers may report late payments to credit bureaus, which could also affect your credit score. Late payments could have a domino effect that can spiral out of control which may have long-term consequences on creditworthiness.

How Do You Know When to Pay Off Your Credit Card?

The first step is to understand your monthly credit card billing cycle. This is the period of time between when your credit card statement is generated and the payment due date for that statement. The minimum payment is the minimum amount you are required to pay by the due date to avoid late fees and keep your account in good standing.

To avoid interest charges, you should aim to pay off your credit card statement balance before the due date. The statement balance is different from the current balance, as the current balance typically reflects the total amount that you owe at any given moment. Generally, you should prioritize paying off your statement balance, which, if paid in full by the due date, will help you to avoid paying interest changes. If you can’t pay the full balance, you can minimize the interest charges by paying as much as possible above the minimum payment. 

A tool that you could leverage to pay off your credit card bill without needing to remember the due date is automatic payments for the full amount.  Most credit card issuers, like Avant, offer this convenient option so you don’t have to worry about forgetting to pay off your credit card bill or making a payment.  If you choose to go the more manual route, you could also consider setting up reminders on your phone or writing them down. 

Is It Better to Pay Your Credit Card Before the Due Date?

Paying off your credit card bill early could be a great way to avoid interest charges and help better manage your debt. It could also help you avoid late fees and may improve your credit score by showing that you are responsible with your credit. And, there are some extra benefits you might see when you pay your bill early.

Helps Reduce Your Credit Utilization

Paying off your credit card bill early could help reduce your credit utilization, which is a key factor that affects your credit score. Credit utilization is the ratio of how much credit you are using to how much credit you have available. The lower your credit utilization, the better it  could be for your credit score. When you pay off your credit card bill early, you reduce the amount of credit you are using, which in turn lowers your credit utilization ratio. This could help improve your credit score and may make it easier for you to get approved for loans and credit cards in the future.

May Help Increase Your Credit Score

Paying your credit card bill early may increase your credit score for a few reasons:

1. Payment History: One of the most important factors that affects your credit score is your payment history. When you pay your credit card bill early, you demonstrate that you are responsible and reliable when it comes to paying your debts. This could help improve your credit score by showing that you are a lower-risk borrower.
2. Credit Utilization: As mentioned earlier, credit utilization is the ratio of how much credit you are using to how much credit you have available. When you pay off your credit card bill early, you reduce the amount of credit you are using, which may help lower your credit utilization ratio and could improve your credit score.
3. Avoiding Late Fees: Late payments could have a negative impact on your credit score. By paying your credit card bill early, you may avoid late fees and the negative impact they could have on your credit score.
4. Showing Financial Responsibility: Paying your credit card bill early shows lenders and credit bureaus that you have the financial discipline to manage your credit and pay your bills on time. This could help establish a positive credit history and increase your credit score.

Helps Reduce Your Interest Charges

Paying your credit card bill early may help reduce interest charges in a few ways:

1. Interest is calculated based on the outstanding balance: Credit card interest is calculated based on the outstanding balance on your card. When you pay off your credit card bill early, you reduce the outstanding balance, which in turn may reduce the amount of interest you will be charged.
2. Avoiding Interest Accumulation: Most credit card issuers charge interest on a daily basis, so the longer you carry a balance, the more interest you may be charged. By paying off your credit card bill early, you can avoid interest accumulation and save money in the long run.
3. Reducing the length of time you pay interest: Interest is also calculated based on the length of time you carry a balance. By paying off your credit card bill early, you reduce the length of time that you pay interest on your card, which may help you save money.
4. Avoiding penalty interest rates: Some credit card issuers may increase your interest rate if you repeatedly make late payments. By paying off your credit card bill early, you may avoid penalty interest rates which could help keep your interest rate low.

Get an Avant Credit Card Today

With an Avant Credit Card, you could get the buying power you want and take steps toward building your credit at the same time with responsible use. Applying is easy and seeing if you qualify will not impact your credit score. Just fill out Avant’s simple application and you’ll get a decision as soon as possible.

Explore More Financial Support Resources

Paying off your credit card bill on time and in full may help you avoid interest charges, maintain a good credit score and save you money in the long run. It’s important to understand your monthly billing cycle, minimum payments, and to set reminders to pay on time or early. To learn more about making Avant Credit Card payments, check out our Help Center, contact our customer support team, or review your credit card statement for more information.

Avant also offers access to additional financial resources through our partnership with SpringFour to help you move financially forward. Learn more about options available to you.

Avant branded credit products are issued by WebBank.

The information provided on this website does not, and is not intended to, constitute legal, financial, or tax advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal, financial, tax or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; Avant does not recommend or endorse the contents of the third-party sites.

222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654

Avant branded credit products are issued by WebBank.

Connecticut consumers: all marketing efforts are associated with Avant, LLC, Small Loan Company License #SLC-1246731

Avant of Washington, LLC DBA Avant is a wholly-owned and operated subsidiary of Avant, LLC Nationwide Multistate Licensing System #1440089.

Avant, LLC Nationwide Multistate Licensing System #1243761.

THIS IS A LOAN SOLICITATION ONLY. AVANT, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

The post When to Pay Off Your Credit Card Bill appeared first on The Avant Blog.

It is important not to panic if you find yourself in this situation. Rather, take a moment to understand how debt collection works, what rights you have, and what options are available to you. Here is what you need to know to move financially forward.

What is Collections?

Debt collections happen when an unpaid debt gets assigned to a debt collector. Debt collectors are often third-party companies or agencies that work on behalf of another company to collect debts. If working for the original creditor, the debt collector will receive a percentage of the debt collected. Otherwise, the debt can be sold to a debt collection agency for pennies on the dollar after you fail to pay back the debt to the original creditor. The agency will then pursue you for the debt.

When Does an Account Go to Collections?

There is no ‘set rule’ on how long it takes for your debt to go to collections. The only thing for certain is that the clock starts ticking on the debt being turned over to a collections agency the moment you don’t pay a bill. It also depends on the type of loan. Generally, credit card debt that remains unpaid longer than 30 days is turned over to a collection agency. Foreclosures or unpaid mortgages can take much longer and are dependent on laws in the state they were issued.

In most cases, lenders will try to collect the debt themselves before resorting to writing it off and passing the collection to another party. The debt is then reported to the credit bureaus as a “charge off,” meaning the original creditor has ceased efforts to recover the debt. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. Be sure to have this form handy when you are filing your taxes.

How Collections Works: What Happens When You Get Sent to Collections

Debt collection might vary slightly based on the company that’s collecting a debt. However, the process is basically the same. If you have unpaid past-due debt, your original creditor will typically notify you through written notices and phone calls. If you have a credit card that you stopped paying, your lender will make an attempt to contact you to get the amount current. If they are unsuccessful in getting you to pay what you owe, it will eventually stop. That’s usually when the debt transfers to collections.

The debt collection agency will then use the information on file to contact you. They may use your current address, your phone numbers and even contact information for your relatives. Personal banking information, including savings and investment accounts, may also be used to determine if you have the money to repay a debt. Some states allow wage garnishment to collect old debts.

Reputable Debt Collection Agencies vs. Scammers

Be very careful if you are ever contacted by someone who claims to be from a debt collection agency. Some scammers are known to masquerade as debt collectors. Never rush to make payments to any debt collector if you don’t recognize the debt they’re trying to collect. If you suspect you’re being scammed, ask for a company name and contact number. Then check with your original creditor to see if they have assigned the debt to a collection agency.

Reputable debt collection agencies will send letters to the address you gave your creditors. If there’s a way to see that you’ve moved, agencies can send letters to your new address in an attempt to collect a debt. Whether agencies send you letters or call, they’re required to give you specific details about your debt, including:

• The name of the original creditor.
• The amount you owe (including late fees and other charges).
• Your ability to dispute the debt in question, along with any stipulations.

The collector must also inform you that you have 30 days to dispute the debt in writing. They need to tell you the name and address of the original creditor if you request it. If you don’t dispute the debt within 30 days, the agency will consider your debt valid, and they can contact you to collect the amount owed.

Companies that follow the rules will work within the statute of limitations, based on the type of debt you owe and the state you live in. They will contact you only between 8am and 9pm, although you might get many calls in one day.

When collections agencies operate the right way you should not experience any harassment or threats. It is important to know, if a company threatens you with a police arrest, or if they tell you that someone is coming after you, then they are not acting lawfully.

How Does Collections Affect Your Credit Score?

If you have an unpaid debt in collections, your creditor can report it to credit bureaus, which can cause a major blow to your credit score. It is hard to predict exactly how much a credit note will impact a credit score because credit scores are unique and determined using a number of factors. However, a debt in collections is one of the most serious negative items that can appear on credit reports. That’s why working hard to get current before an account enters collections could help your credit recover faster.

How Long Do Collections Stay on Your Credit Report?

Generally, an account in collection will remain on your credit reports for seven years from the first delinquent date. If it hasn’t fallen off your credit report after that time, you can file a dispute with the credit bureau in question and have it removed. However, just because a debt in collections eventually gets removed from your credit score, does not mean you should ignore it or not pay it. You risk adversely impacting your credit score which could lead to being sued by the collector if you don’t pay your debt. Few experts would recommend ignoring your debt in collections. You’re always far better off negotiating a settlement plan if available.

Do Collections Ever Go Away?

Collections don’t usually just go away. However, there is a limited amount of time that debt collectors can sue you to collect on a debt. This is called the “statute of limitations” and it usually starts when you first fail to pay your debt. When the statute of limitations runs out, your unpaid debt becomes “time-barred” and a debt collector can no longer sue you to collect it.

How long does the statute of limitations last? It depends on what kind of debt it is and the law in your state — or the state specified in your credit contract or agreement creating the debt. Some states will also reset the clock and begin a new statute of limitations period if you ever make a payment or acknowledge the debt in writing.

What To Do If a Bill Goes to Collections

Once you are notified that your debt has entered into collections, there are three things you should do to begin getting out of collections:

1. Confirm that the debt is yours. Before you pay anything, debt collection agencies are required by the Fair Debt Collection Practices Act (FDCPA) to send you a debt validation letter. This is an important step because it confirms if the debt belongs to you. The letter will also list how much is owed, the type of debt owed and details about the creditor. If there are any errors, you have 30 days to dispute the debt.
2. Consider your payment options. You’ll typically have two repayment options. Either you will pay off your debt in a lump sum or according to a repayment plan. The option you choose will depend on your budget and the amount of debt owed.
3. Begin making payments. Be sure to ask your debt collector for a written agreement before making a payment. Review the agreement carefully for accuracy and then start making payments. Make sure the collector confirms receipt of your payment and documents every single payment you make for your future records.

Don’t Forget You Have Rights in Debt Collection

A federal law known as the Fair Debt Collection Practices Act gives you rights and protection when it comes to how companies can conduct debt collection. The act protects consumers from “abusive, deceptive and unfair debt collection practices”. It limits debt collection calls before evening hours. It disallows incessant calling or communication via postcard and it prohibits the use of violence or intimidating language from the debt collector.

Remember you have the right to stop the debt collectors from contacting you if you’re being harassed for a debt that doesn’t belong to you. To stop the contact, you need to go through the same steps as if the debt was yours. Ask the collector to verify the debt, and then dispute it in writing. If the collector continues you are entitled to send a cease and desist letter, and then file complaints with the FTC.

What Happens If You Don’t Pay Collections

Ignoring and not paying debt collectors can lead to serious consequences. It is something you shouldn’t do when getting out of debt. The collection process typically becomes more aggressive the more you ignore it. Debt collectors can sue you if you ignore their calls and letters. They may win by default if you ignore the lawsuit. In that case, you may end up paying the debt as well as the collector’s attorney and collection fees. The debt collector can collect on this judgment by garnishing your wages or by placing a lien on any property you own.

Your credit score will also suffer greatly if you do not pay your debts. Unpaid debt can negatively impact your credit score for up to seven years, even if debt collectors stop contacting you. 

The Bottom Line on Debt Collections

Collections are a legal way for creditors and debt collection agencies to collect money that is owed to them. You owe it to companies to pay back your debts. Otherwise, you could face a barrage of calls and letters from debt collectors trying to collect a debt.

But even if you owe money, you still have rights. You are protected against deceptive or abusive behavior. There are actions you can take if someone is harassing you to collect a debt. For example, you can file a complaint with federal agencies or your state attorney.

The information provided on this website does not, and is not intended to, constitute legal, financial, or tax advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal, financial, tax or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; Avant does not recommend or endorse the contents of the third-party sites.

222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654

Avant branded credit products are issued by WebBank.

Connecticut consumers: all marketing efforts are associated with Avant, LLC, Small Loan Company License #SLC-1246731

Avant of Washington, LLC DBA Avant is a wholly-owned and operated subsidiary of Avant, LLC Nationwide Multistate Licensing System #1440089.

Avant, LLC Nationwide Multistate Licensing System #1243761.

THIS IS A LOAN SOLICITATION ONLY. AVANT, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

The post What Happens When Debt Goes to Collections? appeared first on The Avant Blog.

What is a Recession?

As mentioned, a recession is a significant decline in economic activity that lasts for months or even years. A recession is typically declared when a nation’s economy experiences negative gross domestic product (GDP), rising levels of unemployment, falling retail sales, and contracting measures of income and manufacturing for an extended period of time. 

Recessions are considered an unavoidable part of the business cycle. They’re part of the regular cadence and contraction that occur in a nation’s economy. The most common examples of a recession are the global recession of the 2008 financial crisis and the Great Depression of the 1930s. The COVID-19 pandemic caused an economic downturn, which sparked fears of a recession.

What Causes a Recession?

A loss of business and consumer confidence causes recessions. Demand decreases in line with consumer confidence. Recessions occur because the US economy is cyclical. Generally speaking, economic growth continues until it reaches a peak of performance. That’s when the expansion becomes contraction resulting in a recession. Then activity gradually begins to expand again. 

What Happens in a Recession?

A recession can impact you and your family’s daily life in a number of ways. Some common ways people are impacted include:

Cost of living increases

During a recession, household essentials such as groceries, gasoline and clothes are more expensive. Higher prices make it harder to make ends meet. This calls for strict budgets and cuts in discretionary spending.

Job losses

During a recession, companies often reduce their staffing levels to save money. You may risk losing your job or experience a reduction in hours. Competition for the few open roles gets tougher and it can take longer to find a job.

Health consequences

Job losses not only impact an individual’s employment and earnings, but also their health insurance coverage, retirement savings contributions, financial security, and health-related behaviors and outcomes. Those who lose their job are more likely to receive government “safety net” assistance, like disability insurance and supplemental security income benefits, even after the recession has ended.

Student loans

Younger adults may find it difficult finding or keeping a job during a recession. Higher levels of student loan debt can compound these recession-related challenges.  

Opportunities

If you own or work in a business that provides goods and services that people need regardless of the economy, then count yourself lucky. Your business is considered recession proof and you won’t suffer as much during the downturn.

How to Prepare for a Recession

While there’s no way of preventing recessions from happening, there are practical steps you can take to weather the storm and prepare for the future. Here are five ways you can plan during uncertain times. 

Reassess your budget

Become clear about where you stand financially. Make sure you have enough money to pay your bills and cover your essential spending. If your finances are looking tight, search for areas to cut back spending, bills that can be eliminated or loans refinanced.

Increase your savings

Put as much money as you can into your savings.  As a rule of thumb, you should have three months’ worth of bills or $3,000 saved for an emergency, whichever is greater. A recession is a good time to get more aggressive and save for six months’ worth of bills or $6,000, whichever is greater. Keep your savings accessible and not invested to avoid the potential of loss from market fluctuations.

Pay off current debt

If you lose income during a recession you may not be able to pay every bill on time or in full every month. And that will have a direct impact on your credit scores. Therefore, you should prioritize how you pay your bills, so your available cash covers as many debts as you’re able. For example, pay your rent or mortgage on time to avoid eviction or foreclosure. Make your car payment on time too – especially if you need your car to get to work. Then focus on paying off your other debts like credit cards and student loans.

Continue with your contributions

Remember that investing is a long game where you benefit most by sticking it out over the bumps. It is important to continue contributing to your retirement fund and other important investments during a recession. Don’t give up just because the current environment looks bleak.

Consider alternate ways to make money

If you’re struggling to make ends meet or are worried about being laid off during a recession, it may be beneficial to pick up a side gig such as freelancing or working for a rideshare application. Having an extra stream of income can not only help in the event of a layoff but can make it easier to build your emergency savings while you’re still employed.

What Not to Do During a Recession

During a recession, it is important that you prepare for emergencies and do not put your finances at risk. Here are some things you do not want to do during an economic downturn.

Panic

Whatever you do, don’t panic. If your anxiety is triggered by sudden changes, see if there’s an upswing shortly after, or talk with a financial advisor.

Increase your debt

While it may be tempting to take on more debt during a recession when the interest rate on loans is typically lower, it is better to focus on paying off any debt you already have.

Become a cosigner

As a cosigner you risk taking on more debt. If the primary debt holder isn’t able to make a payment, you will be held responsible. Stay away from cosigning.

Take your job for granted

Always showcase your skills, regardless of whether you want to stay at your job a while or not. Highlight these skills during a recession and put off quitting until you have another opportunity lined up.

Not build an emergency fund

Build up your emergency fund so you can cover at least three to six months of your expenses.

Explore More Recession Resources

When times are tough, practicing these healthy financial strategies can help you stay afloat. They can show you how to stop living paycheck to paycheck, and give you a good idea of what to do if your expenses exceed your income. Start implementing healthy budgeting habits to prepare for any financial opportunities or emergencies.

Need financial advice or counseling? Looking to spend less on food? Out of work or underemployed? Find ways to save with SpringFour.

Recession FAQs

Can a recession be a good thing?

Even if it stings in the process, a recession can have a good impact on you and the economy as a whole. Some businesses, like maintenance services and grocery stores thrive during recessions. Inefficient companies must jettison excess inventory and cut their overheads during downturns, which improves efficiency overall. Recessions also balance everyday costs by resetting prices to manageable levels. 

What is an example of a recession?

The most common examples of a recession are the global recession of the 2008 financial crisis and the Great Depression of the 1930s. The Gulf War Recession (July 1990 to March 1991) was partly caused by spiking oil prices during the First Gulf War.

What does a recession do to the average person?

During a recession, people may need to adjust their budgets to survive on less take-home pay. They may also have trouble finding new employment or second jobs because companies are hiring less people. Those fortunate enough to find new work often end up in jobs for which they are overqualified and underpaid. However, there are resources available to help you navigate through the impacts of a recession.

What happens to your money in the bank during a recession?

One of the safest places to keep your money during a recession is in an FDIC-insured bank account. You are likely already protected if you have checking and savings accounts with a traditional or online bank. If you’re unsure whether your accounts are FDIC-insured, you can check with your institution or look it up on the FDIC’s BankFind database.

Who benefits in a recession?

Industries that are considered relatively inelastic such as healthcare, food, consumer staples and basic transportation can all perform well in a recession. Rental agents, landlords, and property management companies can thrive during a recession due to the fact that renting is likely to become a more appealing option, if not the only one available.

Do prices rise or fall in a recession?

As the recession weakens the demand for things like cars, you may see a fall in prices accordingly. Stock prices typically plummet during a recession. The flight to safety can cause some investors to pull their money out of the stock market entirely.

The information provided on this website does not, and is not intended to, constitute legal, financial, or tax advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal, financial, tax or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; Avant does not recommend or endorse the contents of the third-party sites.

222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654

Avant branded credit products are issued by WebBank.

Connecticut consumers: all marketing efforts are associated with Avant, LLC, Small Loan Company License #SLC-1246731

Avant of Washington, LLC DBA Avant is a wholly-owned and operated subsidiary of Avant, LLC Nationwide Multistate Licensing System #1440089.

Avant, LLC Nationwide Multistate Licensing System #1243761.

THIS IS A LOAN SOLICITATION ONLY. AVANT, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

The post 5 Ways to Prepare for a Recession appeared first on The Avant Blog.

An emergency fund is an easily accessible pool of money set aside in case of an urgent or unforeseen financial situation. Financial ups and downs occur naturally, so it pays to be prepared for the unexpected with an emergency fund. Your emergency fund should not be considered a nest egg or calculated as part of a long-term savings plan for college tuition, a new car, or a vacation. Instead, treat this fund as a safety net, only to be tapped when an emergency occurs.

How Much Should You Have in an Emergency Fund?

A number of different factors will determine the size of your emergency fund. These include your lifestyle, monthly costs, income and dependents. However, the general rule of thumb is that you should have enough saved to cover at least three to six months’ worth of expenses. If that seems like a daunting goal to you, then perhaps try putting away a small amount each week or two until you achieve it. Your family needs, bill obligations, job stability and other factors will also come into play when determining how much money you should save.

Where to Keep Your Emergency Savings

Just as emergencies can happen without warning, you need to be able to access your emergency savings quickly and without cost. For that reason, emergency savings may be best placed in an interest-bearing bank account like money market or interest-bearing savings accounts, which can be accessed easily without taxes or penalties. You could risk losing too much money if you need to withdraw money quickly from mutual funds, stocks or other assets, which may lose value as a result. You could also incur early-withdrawal penalties if you ever needed quick access to emergency savings kept in an account such as a certificate of deposit (CD) or Individual Retirement Account (IRA).

When Should I Use an Emergency Fund?

Your emergency fund should be reserved exclusively for financial emergencies. Any event that causes an unforeseen expense, like a car repair or a medical bill, qualifies as a financial emergency. Be sure to use your emergency fund only when you need it. Then always make sure to continue replenishing your emergency savings once things improve.

Avant branded products are issued by WebBank. 

The information provided on this website does not, and is not intended to, constitute legal, financial, or tax advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal, financial, tax or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; Avant does not recommend or endorse the contents of the third-party sites.

The post How Much Money Should Be In My Emergency Fund? appeared first on The Avant Blog.

Jeremy Shefer

Senior Software Engineer on the Money Movement Team

Joined Avant in 2021

What’s it like to work @Avant? We asked Jeremy for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

I’ve been working here for about a year and a half, and I started on one team and I’ve ended up on another—I kept the same boss, the same people, but switched to a different technology, different everything, all without losing speed or our commitment to getting things done. It was a massive, epic transition for the team! And there were a couple weeks of difficulty while we figured it out, but for the most part we didn’t miss a beat. So I would describe Avant as “brisk” and “ductile.” Brisk because we move at a brisk pace. And “ductile” refers to a metal’s ability to bend and change shape without breaking. It’s true about the company, and especially about our team.

2. Why are you happy/successful here?

We’re a financial company, and while we are no longer a small scrappy startup, Avant still has enough of that flex in us that it helps to be able to wear a few hats. This isn’t a place where you’re like, “I’ve been doing the same thing for 10 years, let me go do the same thing for 10 more.” It’s a place where people are still very much looking to do something different, something interesting, without the rigidity that you might find at other companies. You can take your career in a slightly new direction. For me, even though I’m a software engineer now, I studied business in school and always really liked economics and finance. It’s great to get to combine my interests.

3. What’s a superpower you get to apply at your job?

My joke superpower is the ability to look at a computer screen all day long without my eyes tiring out—someone told me it’s the main requirement to being a good software engineer. On a serious note though, having the mind of both a businessman and a programmer allows me to focus on writing code with a keen eye on business needs. That way, I don’t waste time on areas that might be cool technologically but don’t have business benefit. That’s the superpower I got by meshing the two skill sets together.

4. If you had to describe who you are and not mention your work at all, what would you say?

I would describe myself in terms of my values, which are ethics, education, and exploration. The three balance each other out. Ethics sets the limits on how you want to operate, which is something I care about a lot. Exploration pushes me to go in new directions and see what’s out there within the bounds of my ethics. And then education allows for the knowledge of where I can push my boundaries. Those three encapsulate well how I operate.

5. When you were little, what did you want to be when you grew up?

The school assessment told me to be a firefighter. I really did not want to be a firefighter, but in a weird way, being a software engineer does have me putting out fires. So maybe I did end up being a version of a firefighter.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Jeremy from the Money Movement Team appeared first on The Avant Blog.

Stephen Lang

Senior Manager of Product Strategy on the Operations Platform team

Joined Avant in 2015

What’s it like to work @Avant? We asked Stephen for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

In my seven years here, it’s always been collaborative, focused, and fun. Meaning, we all share a collective vision for Avant that we’re trying to move toward, we understand that we have an impact on people’s financial lives, and we’re having fun while we’re doing it. At the end of the day, there will always be goals and deadlines, and we’ll always have stuff going on in our personal lives, but being too serious takes the joy out of work. Why not have fun and enjoy being collaborative? It’s like our saying from the early days of Avant: we get sh!t done, responsibly.

2. Why are you happy/successful here?

The reason I’ve been here for so long and why I’ve been happy here is that there are always new opportunities, new initiatives, new teams, new parts of the company that you can work on. Seven years ago, I was hired to do one thing, and now I’m doing something that is not even remotely related to that thing. The opportunities shift as our priorities shift over time, which has given me the chance to learn more about the business and different functions as we grow. We’re always solving problems, always making forward progress, always being goal-oriented and results-driven, and in short, the job you have here is basically what you make it. If you see opportunities and you seek them out and make your voice heard, make your ambitions known, then there’s nothing but opportunity at Avant. That’s why I’ve stayed here, and been happy while doing it.

3. What’s your favorite thing about the way your specific job role works?

It’s constantly changing and evolving over time, and there’s always something new to work on. We’re not going to get everything right the first time, but we’ll make the best decision we can based on the information we have and then keep iterating. Being adaptable and collaborative and responsive to what’s happening in the now has been a huge positive for me. And specific to my current role over the past two years, my favorite thing has been working with and getting to know all the great people across the company. Everyone’s collaborating, everyone’s making progress, everyone’s getting sh!t done and moving forward. The people at Avant, we are all good at finding a way to work together successfully.

4. If you had to describe who you are and not mention your work at all, what would you say?

I am a dad to two crazy boys, 3 and 6, so there’s just constant energy and craziness and fighting there. I also watch a lot of movies and TV shows—I typically try to watch all the award-winning movies and shows each year, but my guilty pleasure is anything The Rock is in. Back in the day, a bunch of us created a Slack room called the People’s Room, because The Rock is the People’s Champ. We had these initiation questions if someone wanted to join the group, like “rank all of the Fast and Furious movies in order,” and of course, The Rock ones have to be at the top. And then I also play a fair amount of video games with some friends to stay in touch in this digitally sporadic world. Otherwise I just love to relax and be at home and get some down time when we’re not running around being parent taxis.

5. When you were little, what did you want to be when you grew up?

An astronaut. I was always into space in general. And I’m obviously not an astronaut now, but I studied engineering in college, so I did learn a bunch about the math and physics side of space. The book parts of space!

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Stephen from the Operations Platform Team appeared first on The Avant Blog.

Peter Duveneck

Senior Manager on the TPM Team

Joined Avant in 2019

What’s it like to work @Avant? We asked Peter for his take on our culture, and here’s what he said:

1. How would you describe Avant’s culture?

Avant is really unique. I was used to big, big companies before coming here, and I like the camaraderie you get on a smaller team when you’re all working towards one common goal. Every day is different, so you don’t get stuck doing different versions of the same thing. And I love the people I work with. Everyone is extremely intelligent, and no matter how busy someone is, they’re willing to take the time to help you, whether it’s with a data query or looking something up. I feel like the collaboration and people’s willingness to jump in is great. You don’t really get that at a larger corporation.

Avant is different in the industry, and I think our people understand the unique things we’re trying to achieve. The executive team is super transparent and engaged with everyone, too, which I appreciate a lot. Between our Town Halls, the fact that everyone sits in the same general area, and execs’ open door policy, everyone is open to talking to you and listening to any feedback you have, no matter your level.

It’s been a lot of fun to see the progression over the past almost 4 years. We’ve come a long way. The thing that stands out the most is just the way the leadership team has been very strategic in their path forward, thinking about how to position ourselves moving forward through covid and beyond. The leadership team has done a tremendous job. I am super thankful for the opportunities that I’ve had here.

2. Why are you happy/successful here?

I think I’ve been successful because I take initiative—that’s really rewarded here. I started out in our Operations group, managing credit reporting and the resolutions team, because I really wanted to understand how the business works. That understanding of the fundamentals has been foundational for my growth here. Then, as a result of showcasing my leadership and knowledge, I was able to transition to our TPM team to a new role managing the Amount relationship. At other companies, you gotta know someone if you want to move or try something else. Here, they take an assessment of people’s skills, see where there are gaps and where can we hire internally, and promote from within vs. always going external. That’s a really good thing, and it’s allowed me to be successful here. That, and my initiative and willingness to learn.

I’ve also succeeded because of good managers who support me, personally and professionally. I have two kids—one just turned 2, the other is 4 ½. Sometimes I have issues with daycare, and I know a lot of Avantees have had that experience, too. Knowing I have Avant’s support, having that flexibility, is nice. I’m able to support my family and while also driving Avant’s objectives and goals forward, too. And my manager Jena makes sure we’re aligned, and she ensures and validates that I’m enjoying the work I’m doing. She really prioritizes our development conversations, which even I’m tempted to deprioritize sometimes—but she makes the time. It helps so much to know she cares that I’m not working on something that’s not really of interest to me and my career path.

3. What’s your favorite thing about the way your specific job role works?

With my role, because I managed the Amount relationship, I was kind of the glue that held everything together. I helped drive the initiatives within my team. Being responsible for a super critical path to the business is really rewarding.

4. If you had to describe who you are and not mention your work at all, what would you say?

I’m a father of two daughters, a husband, I love watching sports—the Packers especially, not the Chicago Bears. I love to travel and am very family-oriented and hard-working.

5. When you were little, what did you want to be when you grew up?

I wanted to be a police officer, and then I wanted to be a doctor. And as a real little kid, I thought being an ice cream person would have been fun.

Like what you’re reading? Work with us!
Check out our open positions here.

The post Meet Peter from the TPM Team appeared first on The Avant Blog.