Gary E. Hinck PA

02/15/2026

Life is hard. Be kind.

09/08/2025

I’ve been seeing signs of this for some time now and with many car loan interest rates above 20% it will not end well.

The car market bubble is bursting:

Subprime auto loan delinquency rates have now surpassed 5% for the first time in history.

The 60-day delinquency rate for subprime auto loans has more than DOUBLED over the last 3 years.

Delinquency rates are now ~1.5 percentage points above the 2008 Financial Crisis peak.

At the same time, prime auto loan delinquencies rose to their highest in 15 years.

Meanwhile, the total value of auto loans in the US jumped $13 billion, to a record $1.66 trillion in Q2 2025.

An auto debt crisis is brewing.

08/23/2024

08/21/2022

So powerful.

01/14/2022

Over $10 million is headed back to Kansans who borrowed student loans under Sallie Mae.

01/13/2022

https://www.studentloanborrowerassistance.org/student-loan-payment-suspension-extended-through-may-1-2022-what-borrowers-need-to-know/

On December 22, 2021, President Biden directed the U.S. Department of Education to extend the coronavirus-related payment suspension and 0% interest rate on certain federal student loans for an additional 90 days. The payment suspension was due to expire at the end of January, but it is now extended...

12/07/2021

The sad reality for countless Americans right now.

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05/10/2021

The number of Kansans who reported theft attempts to the Federal Trade Commission swelled from 2,272 in 2019 to 43,211 in 2020.

08/27/2020

Thank you for nominating us Best of Topeka! We are a debt relief agency, we help people file for Bankruptcy under the Bankruptcy code. Topeka and Wichita offices. Gary E. Hinck and Shaun M. Gardner, Attorneys at Law.

Check it out now!

08/25/2020

https://cjonline.gannettcontests.com/2020-Best-of-Topeka/gallery/244646666?group=359288

Check it out now!