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30th September 2009
Finance: How is your duty Does not Have To End Of You Be You are a woman who is in debt? Did you go to college with credit card debt only old medical bills or a combination of them all is that you can be sure, anxious and frustrated. In the society of to... Read >
Author: seekstudentloans29th September 2009
There are plenty of very good articles around that explain how to deal with debt collectors and collection agencies, but very few that detail how you should negotiate with the Original Creditor, and that's a pity, because the techniques are totally differ... Read >
Author: Michael Redbourn29th September 2009
1. Stop the Collection Calls: Instruct the debt collector to stop calling you at home or at work. Write them a letter if you can with those instructions and save a copy. If the calls continue, they have violated the Fair Debt Collection Practices Act by h... Read >
Author: creditlaw29th September 2009
Picture for a instant, that you owe somebody named Joe some money, and somebody phones you or rings your doorbell, and when you answer a person by the name of Victor says that he's been authorized by Joe to collect the money that you owe him.
Even if y... Read >
Author: Michael Redbourn23rd September 2009
You may need to Sue Debt Collectors in Detroit if you are a resident of the city of Detroit and continue to be harassed. This page will discuss the Fair Debt Collection Practices Act as well as your rights under the FDCPA.Many consumers do not understand ... Read >
Author: Byron Roberts23rd September 2009
Lots of people that suddenly come into some money from an inheritance, the sale of a property, the lottery or a bet etc. ask themselves if they can save a lot of money by paying off their credit card debts with a lump sum.
The simple answer is "yes" of... Read >
Author: Michael Redbourn23rd September 2009
In many circumstances, the consumer has rights against the collector which might avoid the need for bankruptcy relief. One weapon is the Fair Debt Collection Practices Act or FDCPA.
The FDCPA prohibits contracts from third parties if the collector kno... Read >
Author: smithsbryan23rd September 2009
More and more Americans are discovering that the Fast Credit Score System can help them improve their low credit scores. Why is this so important? Because low credit scores are perhaps the biggest barrier to getting yourself out of debt and being able t... Read >
Author: Don Kittell22nd September 2009
You should be very careful when negotiating with debt collectors since they are expert professionals in their work and also very trick. Their payments depends on the amount of bills they collect each month. With this in their minds, they will try to colle... Read >
Author: Mary Mukami Gachonde22nd September 2009
If problems relating to debts are giving you sleepless nights, it's time to get down to managing them more effectively and there's help available at the click of a mouse. To lots of people, the inability to pay their debts lead them to assume that bankrup... Read >
Author: michael challiner21st September 2009
Debt is a part of modern life, and something that is not easy to avoid. Attitudes towards debt have changed considerably since the end of the second world war. Back then incurring unsecured debt was very much frowned upon. Whilst secured debt such as a mo... Read >
Author: Robert Palmer18th September 2009
The attitude to debt has changed considerably over recent generations. Whist our great grandparents might have boasted that they had never been in debt, and considered debt to be an evil consequence of excessive greed, nowadays debt is an essential part o... Read >
Author: Robert Palmer17th September 2009
In today's society debt is an inevitability and is simply a fact of life. Gone are the days when many people can claim to never have gone into debt, and to have always saved up in advance for anything they particularly wanted. Neither are we entirely into... Read >
Author: Robert Palmer16th September 2009
If problems relating to debts are giving you sleepless nights, it's time to get down to managing them more effectively and there's help available at the click of a mouse. To lots of people, the inability to pay their debts lead them to assume that bankrup... Read >
Author: michael challiner16th September 2009
Are you living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counselin... Read >
Author: wbdoyle15th September 2009
Are you living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement?
If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counse... Read >
Author: wbdoyle15th September 2009
If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."
You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fa... Read >
Author: wbdoyle15th September 2009
If you owe money to a debt collection agency or debt collector, you need to know what they can and cannot do in order to collect monies owed to them. You have an obligation to pay what you owe, and the debt collectors have an obligation to follow the law... Read >
Author: wbdoyle15th September 2009
Are you worrying of paying your credit card debt? Are you truly in trouble with your financial? Dealing with credit card debt is not as hard as you may think.If there's any consolation, you're not the only one facing such situation. At some point, many pe... Read >
Author: wbdoyle11th September 2009
Do you have a hard time paying your credit card bills? Starting to get notices from waiting creditors to pay? Worried that you might lose your properties like your house because of credit debt? Chin up: Dealing with credit card debt is not as hard as you ... Read >
11th September 2009
Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on ... Read >
10th September 2009
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an... Read >
Author: wbdoyle07th September 2009
Sad but true...a low credit score will keep you away from living a better life. Your credit score determines all your payments, like mortgage, car, insurance, and even your credit card rates. More over, most employers will also check your credit score whe... Read >
Author: mickle07th September 2009
Would you like to work smarter, not harder, make big money and in the process help people improve their lives? Sound too good to be true? Not any more.
The Fast Score System has created The Credit Secret Bible and a home-based business to get this ... Read >
Author: Daniel Rubertone04th September 2009
Are you a woman who is in debt? Whether you have debt solely from attending college, from credit cards, old medical bills, or a combination of them all, you may be scared, unsure, and frustrated. In today's society, with regularly rude calls from debt c... Read >
Author: Dwain Griffith26th August 2009
Most debt elimination companies are not genuine in their services making consumers waste more money contrary to their wish. Federal Trade Commission is an international organization body that is aimed at helping and protecting consumers from such institut... Read >
Author: Mary Mukami Gachonde26th August 2009
All debt elimination methods are aimed at helping a consumer clear off all his/her bills and become a debt free person. However, once you are unable to complete all your payments especially for secured loans, your important assets which was used as the co... Read >
Author: Mary Mukami Gachonde26th August 2009
Many people fall victims to the constant pressure that is put on them by debt collectors. Many will force you to pay more than you owe and will use various tactics to get their message across to you. These debt collectors often will not be very easy to de... Read >
Author: Melissa Patterson25th August 2009
Most debt collectors are very experienced and they know the law as it relates to their job, whereas most debtors are inexperienced, don't know the law and are therefore easy to trick, and to intimidate.
So if you're fearful of answering your phone beca... Read >
Author: Michael Redbourn23rd August 2009
One of the best strategies that debt collection agencies employ is intimidation. They frighten people into agreeing with them even if the said person has questions about their debts.
Once people get frightened and intimidated, they become powerless in ... Read >
Author: Mesriani Law Group21st August 2009
There are various red flags which can warn of debt problems. Knowing how to identify them can help you ward off trouble before it gets even worse. Consider whether any of the following warning signals apply to your current financial situation:
1) You r... Read >
Author: John E. Simmons20th August 2009
The first and perhaps the most important thing to understand about the Statute Of limitations On Debt, is that although debt collectors and creditors are allowed to contact you about a debt that you still owe forever, they can only sue you for it for a ce... Read >
Author: Michael Redbourn20th August 2009
Consumers who are “between jobs” have seen their credit card balances explode as they swipe plastic to make ends meet. Their interest rates have soared too, thanks to something called the Universal Default Provision in their credit agreement: miss any... Read >
Author: William Rose20th August 2009
There are various things that you can do if you are having financial difficulties. One of these things is to get an online payday advance. There are lots of companies that you can find on the internet to give you a payday advance. These will help you to m... Read >
Author: Andy Zain16th August 2009
This Is How Junk Debt Purchasing Works
Let's say for example, that at any given time, that 1,350 people default on their Wells Fargo or Capital one cards, and in-house collections have only resulted in the partial recovery of money from maybe 350 peopl... Read >
Author: Michael Redbourn11th August 2009
This page will provide resources to Sue Debt Collectors In Michigan. I will discuss fair debt collection practices, and where to find more information and resources on Michigan Fair Debt Collection Laws. If you need further assistance in litigating agai... Read >
Author: Jennifer Stover10th August 2009
The financial management of a company is the very core of business as it brings the past, present, and future together. Organisations that are poorly managed in the financial area impact every other department from marketing to credit and collections. All... Read >
Author: Michael Wolf10th August 2009
We’ve been talking a lot lately about fraudulent debt settlement companies and how the Better Business Bureau and the Federal Trade Commission are cracking down on “phony” credit debt collectors and debt settlement programs. Well, here’s another s... Read >
Author: Kandice08th August 2009
Are you among the many Americans whose credit score has taken a hard hit in these tough economic times? Slow pays, late payments or overuse of credit cards can drop your credit score very quickly. And a low credit score impacts the interest you pay on c... Read >
Author: tarlikende01st August 2009
Negotiating with a Credit Card company can be easier than you think because you must remember that you are the one who is control. The credit card company does not want you to get mad and default on your debt so they know that you have leverage over them ... Read >
Author: bryan01st August 2009
Companies that are involved in the service industry are finding the need to use collection agencies. As services remain unpaid, many companies are looking for a cost effective and highly professional solution for debt collection.
It is very important... Read >
Author: Johnathan Morrison31st July 2009
It is not strange for the people who have a financial crisis get into a credit card debt. In this situation, people always use one credit card to pay off the other. However, it is not the end for the credit card crisis. You can not pay off all your credit... Read >
Author: creditqzp30th July 2009
I came across an article the other day in which the writer said that he felt sure that everybody would love to be free of debts. I'd question him on that however, because there are many very important, almost essential things today, that most people can't... Read >
Author: Michael Redbourn30th July 2009
Recently there was a very sizeable shake up over in Credit Card land which should have been a massive story but in some way slipped through the cracks.
Every single credit card agreement, the contract you sign before you can be sent a brand new credit... Read >
Author: JoelaCarlsen25th July 2009
Many consumers do not have the knowledge or do not know what laws are there to protect them when they are in debt. It is important for any individual to know their legal rights so that creditors do not take advantage of the situation and leave you worse o... Read >
Author: Mercy23rd July 2009
Debt collection is no easy task for the creditor and the collector. It is the type of business whereby creditors take practical actions in a bid to recover what is owed to them by a customer, who is required by law to reimburse what is owed.
Most peop... Read >
Author: Mercy19th July 2009
Tired of constantly receiving phone calls from debt collectors looking to get the money you owe them? Are you sick of waking up every morning knowing you have loads of bills and debt to pay off? If this is what you battle on a daily basis, it is time fo... Read >
Author: Allan Zolis17th July 2009
Discover how to quickly and effectively stop constant phone calls, letters and ongoing harassment by persistent creditors, debt collectors and collection agencies without much effort, time and money. It isn't enough to just sit back and take ongoing haras... Read >
Author: HairCareHints16th July 2009
Having been in the debt collection business for some years now it never ceases to amaze me how people deal with their debt problems. There seems to be 3 main methods of dealing with debt.
1. Ostrich Approach – Bury your head in the sand and the pro... Read >
Author: Lisa Mills16th July 2009
Debt fraud has increased recently. This is because many people are in debt and are looking for ways to rid themselves of the debt. Having a debt is a burden and everyone wants the burden lifted off their shoulders. Some people are so desperate to get out ... Read >
Author: Mercy12th July 2009
Mounting debt that is becoming hard to cover with your regular income may be the precursor to either consolidating your debt or filing a bankruptcy proceeding. Perhaps you have debt collectors calling from the minute you wake until long after you have gon... Read >
Author: Amanda Hash10th July 2009
Discover how to quickly and effectively stop constant phone calls, letters and ongoing harassment by persistent creditors, debt collectors and collection agencies without much effort, time and money. It isn't enough to just sit back and take ongoing haras... Read >
Author: TopLawyer05th July 2009
Debt collectors are not supposed to reveal openly the bills a debtor owes to his creditor. This can be very discouraging since, everyone will be aware of your downfall. They should not include a third party to hold discussions about your situation. This i... Read >
Author: Mary Mukami Gachonde28th June 2009
In the last fifteen years, America’s debt problem has reached heights never witnessed before. Bad spending habits encouraged by lending agencies that have been going on a loan spree have managed to pile up debts that are insurmountable. That is precisel... Read >
Author: Erin Kutnick27th June 2009
If you’re like most American’s you are doing your best to avoid new debt and pay down old debt. However, some people are being crushed by intense credit card debt, medical bills and other forms of unsecured debt. Many individuals are considering ban... Read >
Author: Debt Settle Inc26th June 2009
There are so many rules out there. One can feel a bit tired of them all. But as we all know, these rules are here to protect us. Now, since the economic status of the world is in peril, consumers really need more protection. Knowing the credit card laws c... Read >
Author: J. Owens18th June 2009
Remedies for Attempt to Collect Debts Included in Bankruptcy
One of the most important benefits of filing for bankruptcy is that it will stop collection calls, letters, and other activities by debt collectors. This includes garnishments, lawsuits, and... Read >
Author: Justin Baxter18th June 2009
Prior to today's credit rating systems, lenders had to carefully examine every applicant's details, in the hopes of finding some clue as to whether the person was likely to repay the loan, or default on it.
The whole thing was not only very time consum... Read >
Author: Michael Redbourn17th June 2009
Credit cards are easier to carry than large amount of money in your wallet. You can use them to purchase many things, especially from those companies which hardly accept large amount of cash. Its also very fast to access the money in your cards regardless... Read >
Author: Mary Mukami Gachonde11th June 2009
If you are looking about information on student loan default consolidation loans then you have come to the right place. What does this complicated term mean? Well a student loan is obviously the loan that you get given to you by the government usually and... Read >
Author: rdshelmerdine10th June 2009
Debt collector is a person who woks on behalf of the creditor. As the name suggests, the person collects the loan that the creditor owe from others. Naturally, the debt collector becomes a shadow of the creditor and the account department that the person ... Read >
Author: Paul Easton06th June 2009
COLLECTION VOICEMAILS - BACKGROUND
Voicemails from bill collectors are a reality when you have been turned over to collections. The dirty secret debt collectors don't want you to know about is that they very often violate the law (Fair Debt Collection... Read >
05th June 2009
Sometimes, debt collectors are extremely harassing to debtors and can do anything just to satisfy their creditors. They are very tricky and can easily mislead you. Take care and remain strong once you are confronted. Its important to file a declaration of... Read >
Author: Mary Mukami Gachonde05th June 2009
Our existing economy is urging many people to reevaluate their spending habits. At the same time, there is another large group of people who are confronting bankruptcy and losing their homes, cars and other collateral because debt collectors are consta... Read >
Author: guillebravo601st June 2009
One of the most distressing aspects about being in debt is to have to deal with debt collectors. Sometimes debt collectors are employed by lending companies to chase up debtors, and sometimes debt collecting companies will purchase the debt from lending c... Read >
Author: Robert Palmer01st June 2009
If you are trying to free yourself from debt it can be a triesome task. If you owe money to debt collectors or lenders then it can make you feel disheartened however there are ways around this if you were to obtain a proper debt consolidation loan. It is... Read >
Author: smudger23rd May 2009
Debt collectors are the people who buy old debts from your creditors when you become unreachable. Since they want to make profits, they buy them at minimum prices and then try to collect as much as they can from these old debts. When dealing with these pe... Read >
Author: Mary Mukami Gachonde21st May 2009
Most of us don't like thinking about our own funerals, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones who foot t... Read >
Author: doyourock20th May 2009
INTRODUCTION
We are often asked if abusive debt collectors should be recorded. The short answer is "No". The longer answer is that it normally is not a good idea.
There is a lot of information on the internet about recording calls. We wrote this art... Read >
20th May 2009
The number of potential violations of law, court procedures, and common human decency that the owners, managers, and employees of collection agencies have been caught engaging in is almost endless. Homeowners facing foreclosure, consumers considering bank... Read >
Author: Nick Adama19th May 2009
It should come as no surprise that the vast majority of people who fall behind on debt payments do so for financial hardship reasons -- not because they are simply deadbeats. Despite, this, however debt collection agencies often take steps to inflict the ... Read >
Author: Nick Adama19th May 2009
Negotiating Credit Card Debt Yourself
For many people, overwhelming credit card debt is not the thing that they fear having happen to them the most financially. When a wave of credit card debt crashes on you, though, you are sure to feel a distinct s... Read >
Author: John Chase14th May 2009
Getting constant nagging calls from collection agencies at your workplace or home can be bothersome and frustrating. Sometimes it may compel you to give up. Even if you make your mind and decide to take action, there are some facts you have to know as far... Read >
Author: Sam Gill12th May 2009
You've probably been told that a debt discharged in bankruptcy is not collectable. But that won't stop some shady debt collectors from trying.
In some cases, they try many years later - long after the 4 year statute of limitations has run out. You may ... Read >
Author: John Rasor07th May 2009
Are you getting calls from debt collectors? Threatening letters in the mail perhaps? These are two commonly used approaches used by collection agencies to intimidate you into paying up. It is important to know what rights you have in such a situation.
... Read >
Author: abraham05th May 2009
The economy is in freefall, and countless Americans are losing their jobs or are accepting pay cuts in an effort to keep working. As such, paying bills and making ends meet is becoming more and more difficult, and before long consumers find themselves cho... Read >
Author: Lender41105th May 2009
Living with debt is a heavy burden, but bankruptcy is not for you. The first step is to take action, but sometimes it’s hard to know what all of your options are to get yourself out of debt. Here is a rundown of some alternatives to bankruptcy, brought ... Read >
Author: dexter22nd April 2009
Historically, financial downturns and economic crises, were almost always boom times for debt collectors, because how much they earn is generally based on the amount of money that they recover. This recession is completely different however, because of it... Read >
Author: Michael Redbourn15th April 2009
Getting credit card indebtedness under control is not as impossible as it
may seem at first glance. After all, the mountain of outstanding debts and
the ever increasing phone calls from debt collectors – just as the dunning
letters from the ... Read >
Author: Lender41110th April 2009
Having trouble paying your bills? Getting phone calls and threatening notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?
You're not alone. Many people face a financial crisi... Read >
Author: TC01st April 2009
If your spouse, sibling, child, or parent dies owing a credit card company, or even his or her phone bill, you're under no legal obligation to pay that bill. But that won't stop the debt collectors from trying to collect from you.
Debt collectors have ... Read >
Author: John Rasor27th March 2009
If you owe money on a loan, use credit cards, or are currently paying on a home mortgage, you are the “debtor”. If in the case you were to fall behind on repaying the creditors, you may be contacted by a “debt collector”. Sometimes if an error i... Read >
Author: Pauli26th March 2009
When all people search efforts have been exhausted and results still don't turn up well, a skiptrace is the next best thing to do. This is a very effective process which is used for very hard-to-locate individuals or those on the run or who don't want to ... Read >
Author: Ed Opperman 13th March 2009
One of the most desperately difficult things to deal with for most people is a Debt Collector and most people do not know where to turn to for help. It just isn't something that we are taught to handle when we are growing up, mainly because nobody plans t... Read >
09th March 2009
The number of debtors across the sphere is increasing on a very swiftly velocity. It is definitely a very thorny experience to deal with the credit card debt. If you do not clear credit card debt in time, then your whole credit history would be ruined. Th... Read >
Author: JessicaThomson06th March 2009
Many people today have financial commitments that are making life harder than it needs to be. Spirally debts, increasing mortgage payments and maybe even a job loss backs people into a corner and makes them feel they have very limited options. This is why... Read >
Author: Robert Palmer23rd February 2009
It is so easy to become heavily in trouble with your credit cards. Debt takes no prisoners and the only way to deal with it is to hit it head on.
It is always admirable when people decide to sort out their problems themselves but; if you are one of tho... Read >
Author: Daniel Major23rd February 2009
Having financial troubles can be an anxious time; with bill and debt collectors constantly calling on the phone or knocking at your door. Being unable to make even a small contributory payment makes the feeling of helplessness even worse; it is at this ti... Read >
Author: Daniel Major20th February 2009
The Applied Bank credit card is a secured card, which means that in order to receive it, you must open an account with Applied Bank and make a deposit into that account.The purpose of the deposit is to secure your account should it default. The card will ... Read >
Author: dmoskel01st February 2009
People that are in debt are often scared of debt collectors, but in fact (unless you have borrowed money from a loan shark or the criminal underworld) they have very little to worry about. Debt collection protection laws exist in many countries (certainly... Read >
Author: Neil Robertson31st January 2009
Unfortunately debt collectors are often less than ethical. This has caused the government to pass legislation to protect you from unethical collection methods.If the debt they are contacting you about is legit then you should ask for validation of the deb... Read >
Author: dmoskel28th January 2009
With tough times ahead for the business world, a lot of people will no doubt be scared to make any big decisions in 2009. Our tips for business opportunities aren’t new fangled unheard of businesses opportunities for you to invest in, but tried and test... Read >
Author: Robert Palmer23rd January 2009
It is a common misconception that debt collectors can “get away with anything” in their attempt to collect unpaid debts. This is incorrect. Consumers actually have a specific set of rights when it comes to collection activities.
Calling Hours
No m... Read >
Author: startovertoday20th January 2009
One of the worst things about being in debt and having a low credit score is the fact that you have to deal with debt collectors. The sad part of this is that many people do not realize just what debt collectors can and cannot do. By knowing what they can... Read >
Author: Dr. Jennifer B. Lagrotte, DMFT,20th January 2009
I am not sure about way to improve your credit score fast in the quickest time, but what I know is that you should be putting in every effort, whether big or small, on a consistent basis, if you want to achieve it.
So, what are the ways to improve you... Read >
Author: Marie Roxas31st December 2008
Knowing your credit rights as a credit card holder will be your guide and protection against unlawful practices that may be committed by creditors and debt collectors. The Fair Credit Reporting Act (FCRA) has made distinct stipulations with regards to pr... Read >
Author: Allisson May19th December 2008
Being in debt is a lot like being stuck in a thick fog; you know there is a way out, but you just can’t see it. Rest assured, there always IS a way out, and by simply taking hold of your financial situation you can start to find your way out.
Make a... Read >
Author: startovertoday15th December 2008
Ever wonder how people make money online? For the longest time, I did to. It seemed so difficult at the time of my curiosity. Then one day, it clicked. It made sense and I had a game plan. Now, this “click” as I referred to wasn’t as though the ligh... Read >
Author: dollardevil13th December 2008
As you may know, there is a federal law that governs the types of actions or conduct a collection agency may take part in during the collection of a debt. The law is known as the Fair Debt Collection Practices Act (FDCPA) and it sets forth both protectio... Read >
Author: gregartim13th December 2008
As we all know, the country is in the midst of an economic crisis. Delinquencies on credit card accounts are at an all time high. Many of these delinquent accounts are being sold to unsavory debt collection agencies who have purchased the debt for penni... Read >
Author: gregartim11th December 2008
When you are being contacted by debt collectors it can be very aggravating. It can cause you to change your number, change your job, and even move.
This frustration is ten fold if the debt is not your debt. It is common for a lender to make a mistake ... Read >
Author: JohnCooper04th December 2008
This should be the best of times for debt collectors, since our society never has been so in hock and lot of people and businesses had to struggle hard to not be affected by the financial crisis. But ironically, much of the debt collection industry is str... Read >
Author: Gavin. A. Hamilton03rd December 2008
What one aspect should a person have to qualify them for debt settlement? The answer is real, seemingly inescapable, economic hardship.
Debt settlement is not for those who simply want to "save a buck" on paying their debts. It is not mean for those wh... Read >
Author: Vishal Verma01st December 2008
There are some factors that really affect how your personal world operates. One of these things is your finances. In your personal financing world, there are some rules that are best followed. The most basic rules are that you should not spend more than w... Read >
Author: RicReev22nd November 2008
Can my wages be garnished? That may be the number one question that I receive at my office from individuals who are facing a credit card or debt collection lawsuit.
In Pennsylvania, the answer is no, with conditions. Pennsylvania is one of only fou... Read >
Author: gregartim20th November 2008
Did you know you could find out a lot about a person by searching public court records? There are certain things available through searching public court records that can help you find a lost loved one, biological parents or inheritance claims that may b... Read >
Author: JD Dean10th November 2008
Many people join debt management or debt settlement programs not knowing that the service they are paying for they can actually do it themselves and save additional money. All it takes is the courage to pick up the phone and speak to your creditors. If yo... Read >
Author: Eric Gartle03rd November 2008
Do you get panic attacks every time you go to sleep at night? Does your telephone or mobile phone keep ringing non stop with an unknown number? If you are one of those who are constantly hounded and harassed by debt collectors, you know exactly what I'm t... Read >
Author: Debb Kellar31st October 2008
When faced with unaffordable monthly student loan payments and relentless creditors, some college grads see leaving the country and becoming a loan fugitive as their only way out. These individuals can now use the success of Operation 20k and Abundant Li... Read >
Author: theillinidude30th October 2008
Debt settlement is a process of negotiation with creditors, the goal being the payment of a percentage of total debts at a mutually agreeable discounted negotiated amount. Frequently, individuals decide to employ a debt settlement firm instead of undertak... Read >
Author: Stanislaw30th October 2008
By narrowing down the number of credit card offers that have what you want, you can reduce the stress involved in choosing a one for your personal or business needs. There are different types of credit cards available, such as business, rewards and studen... Read >
Author: MIKE SELVON20th October 2008
Living a debt free life is a guarantee that those creditors will never raise those red flags giving you sleepless nights, but also a ticket to a longer, healthier and wealthier life.
However, at some point in our lifetime, no matter how much we organi... Read >
Author: Poly Muthumbi17th October 2008
Is everyone watching what is going on with the current financial crisis? Now more than ever consumers looking to settle unsecured debt have the advantage over their creditors.
Settling unsecured debt in these troubled financial times is easier than ev... Read >
Author: Eric Gartle13th October 2008
The major reason why people work hard, seek loans and credits is because there is need not just to make ends meet but also to look a better life.
It is not many people who are able to use their paycheck amount to acquire property and also pay their kid... Read >
Author: Poly Muthumbi10th October 2008
A standard credit score report is divided into four sections: identifying information, credit history, public records and inquiries. Identifying information is just the basics, such as name, address and social security number.
Look over this informati... Read >
Author: MIKE SELVON15th September 2008
The debt validation is the beginning of eliminating the account. Some say "a debt is a debt is a debt" and pay up. However, if the "owner" who has purchased the alleged account in a portfolio is junk debt and worthless - PROVE IT. The law says to prove it... Read >
Author: Next Level Unlimited08th September 2008
The Fair Debt Collection Practices Act or FDCPA was developed in order to protect consumers from being harassed by the collection agencies. It was observed that many consumers were choosing the option of bankruptcy being threatened by the debt collectors.... Read >
Author: Jason Holmes08th September 2008
Chapter 7 bankruptcy, also referred to as “liquidation bankruptcy” is a way to eliminate your current debt and get creditors off of your back. If you are behind on your current bills and have debt collectors continuously harassing you, then you may w... Read >
Author: Jon Arnold08th September 2008
Collection companies and creditors will put all their efforts to collect the debt from the clients of debt settlement program.
Debt settlement happens when the clients stop paying their creditors directly. Moreover, most of the debt settlement companie... Read >
Author: Vishal Verma05th September 2008
With a staggering $920 Billion of consumer credit card debt, is it any surprise at the tactics used by some debt collectors. While there are likely many debt collectors that seek to comply with the law and treat consumers with respect, there are also many... Read >
Author: Lu Ward05th September 2008
A judgment on your credit report means you have been sued for payment of a debt. It is a legal proceeding that will give the creditor extra time to try and collect on the debt.
Most debts have a 7 year statue of limitations. With a judgment it allows t... Read >
Author: dmoskel05th September 2008
You need to prioritize your debt repayment and ensure that the most important debts are taken care of first.
The importance of the debt is determined by the impact that it can have on your life both now and in the future so clearing past due taxes woul... Read >
Author: Carson Danfield05th September 2008
It might come as some surprise to you that you need to focus on positive thinking to get through periods of financial difficulty and to help you to turn around your financial situation where you have sufficient funds to cover your day to day expenditure w... Read >
Author: Carson Danfield05th September 2008
Debt collectors have a job to do and they are paid accordingly as a percentage of the amount of money that they recover from you. Obviously it is in their best interest to recover as much money as possible and many of them will resort to all sorts of tact... Read >
Author: Carson Danfield05th September 2008
Consolidating your debt can help you to manage your debt more easily by helping to pay off many creditors at once with the use of another loan.
While this is generally only a transfer of debt from one place to another you can often get better interest ... Read >
Author: Carson Danfield05th September 2008
Child support is a high priority debt that you must pay no matter how difficult your financial position might appear to be.
There are a number of reasons why you need to make child support payments top priority. Quite apart from the fact that your chil... Read >
Author: Carson Danfield04th September 2008
Negotiating with a Credit Card company can be easier than you think because you must remember that you are the one who is control. The credit card company does not want you to get mad and default on your debt so they know that you have leverage over them ... Read >
Author: bryan04th September 2008
Debt collectors are highly motivated to convince debtors to pay the debt because they frequently work on a low base pay plus commission. This business model has created the reputation for bill collection agencies that we know today.
The collector might... Read >
Author: William E. Lewis, Jr.02nd September 2008
If you have credit cards, chances are you may run into some debt at some point. And if you run up considerable debt, an official debt collector may contact you. Do not be afraid. Debt collectors are not evil, and there are rules that they have to follow. ... Read >
Author: Mike Peterson27th August 2008
Dealing with the dreaded debt collector has become easier with the advent of the internet. With just a few key strokes, a lot of patience and motivation, one can find all sorts of interesting information on dealing with collection agencies and their scoun... Read >
Author: David S22nd August 2008
Are you terrified about debts? Do you face trouble paying your bills? are you under the scanner of dunning notices from creditors? Is your accounts being turned over to debt collectors? Are you frightened about losing your home or your car due to the debt... Read >
Author: gracy21st August 2008
In the United States, in order to lessen the hassle and problem related to debt collection, the legislature enacted the Fair Debt Collection Practices Act.
What is Fair Debt Collection Practices Act?
Fair Debt Collection Practices Act is a U.S statu... Read >
Author: Mesriani Law Group21st August 2008
The Federal Wire Fraud Statute is one of the most used tools in federal prosecutions of white collar and business crimes. Together with the Mail Fraud Statute, it is the work horse of federal prosecutors in white collar criminal cases.
The statute, 18 ... Read >
13th August 2008
If that fails to solve the problem, there are professional bill collectors you can hire to take over the process.
Be aware, however, that federal and state laws govern the steps that third-party collectors can take.
The U.S. Fair Debt Collection Pract... Read >
Author: D.C. Fawcett29th July 2008
You need to prioritize your debt repayment and ensure that the most important debts are taken care of first.
The importance of the debt is determined by the impact that it can have on your life both now and in the future so clearing past due taxes wo... Read >
Author: Carson Danfield29th July 2008
It might come as some surprise to you that you need to focus on positive thinking to get through periods of financial difficulty and to help you to turn around your financial situation where you have sufficient funds to cover your day to day expenditure... Read >
Author: Carson Danfield29th July 2008
It is a great feeling to get on top of your debt and know that you are able to make all your payments each month and not have to worry about debt collectors or paying for your groceries but now is not the time to stop doing the things that have helped tur... Read >
Author: Carson Danfield29th July 2008
Debt collectors have a job to do and they are paid accordingly as a percentage of the amount of money that they recover from you. Obviously it is in their best interest to recover as much money as possible and many of them will resort to all sorts of tact... Read >
Author: Carson Danfield29th July 2008
Consolidating your debt can help you to manage your debt more easily by helping to pay off many creditors at once with the use of another loan.
While this is generally only a transfer of debt from one place to another you can often get better interest ... Read >
Author: Carson Danfield29th July 2008
Child support is a high priority debt that you must pay no matter how difficult your financial position might appear to be.
There are a number of reasons why you need to make child support payments top priority. Quite apart from the fact that your chil... Read >
Author: Carson Danfield23rd July 2008
So you have defaulted on a credit account. The debt collector calls and demands immediate payment of the debt. The debt collector then makes the following threat: “If you do not pay this debt by Monday at noon, we will garnish your wages, starting wit... Read >
Author: gregartim22nd July 2008
Most people who need to resort to some kind of debt relief aid, lack the information necessary to make conscious decisions. This eventually leads them to making serious mistakes when choosing debt services and sometimes their situation worsens due to thes... Read >
Author: Melissa Kellett21st July 2008
A collection agency is a business that pursues payments on debts owed by individuals or businesses. The term collection agency is usually applied to third-party agencies, called such because they were not a party to the original contract.
The service se... Read >
Author: Christine Layug15th July 2008
LAW OF ATTRACTION
My Story
My first experience with the law of attraction was hearing about “The Secret” DVD 4 years ago. At that time I was having problems meeting the rent and dodging debt collectors and really wanted to get my life sorted out a... Read >
Author: holfnebbit09th July 2008
Federal and state laws are on the side of those who are in the process of stopping creditor calls, progressing beyond the normal range of decency and respectability--as long as a collection agency is the one at hand, not the original creditor. And stoppi... Read >
Author: Sammy Sweet01st July 2008
LAW OF ATTRACTION
My Story
My first experience with the Law of Attraction was hearing about “The Secret” DVD 4 years ago. At that time I was having problems meeting the rent and dodging debt collectors and really wanted to get my life sorted out a... Read >
Author: holfnebbit01st July 2008
Recently, I decided that I wanted to do a business card printing. My cards were old and, frankly, I was sick of them. I wanted some new, full color business cards that I wouldn’t get sick of looking at. And I wanted a unique design, too; somethin... Read >
Author: Colleen Davis20th June 2008
Violation of norms set by Fair Debt Collection Practices Act:
The FDCPA or the Fair Debt Collection Practices Act envisages that a debtor should not be harassed while debt collection. The FDCPA was framed to safeguard the rights of the consumers (debtors... Read >
Author: Jason Holmes12th June 2008
Bankruptcy is defined as a nationalized lawful proceeding that offers the people a chance to get rid of their debts. In other way, it is a court dealing that restricts the cash collectors from further collection of debts until the debts are cleared throu... Read >
Author: Jennifer04th June 2008
The majority of American citizens are familiar with the zealous tactics that debt collection agencies can use. Normally, when you least expect it, the phone rings and you get hassled with threats and intimidation from a collector for something that you fo... Read >
Author: Gary Milton04th June 2008
Those undergoing a difficult financial situation know how annoying debt collectors can be and how often they disrupt people’s life and contribute to increase the stress of an already stressful situation. Some of the practices that debt collectors use ar... Read >
Author: Lara Sawyer08th May 2008
Understanding bankruptcy
Bankruptcy is basically the official way of announcing that a person can no longer repay his debts in his current situation. Consequently, it is also a plan that allows the borrower to resolve his debts by dividing all his asset... Read >
Author: Jennifer08th May 2008
Understanding bankruptcy
Bankruptcy is basically the official way of announcing that a person can no longer repay his debts in his current situation. Consequently, it is also a plan that allows the borrower to resolve his debts by dividing all his asset... Read >
Author: Jennifer06th May 2008
You won your lawsuit and are floored when the court officers didn't force the defendant to settle on the spot.
Are you currently planning to initiate a law suit?
Wouldn't it be nice to know if the other party has any assets or possessions available ... Read >
Author: Arthur Hastings06th May 2008
You won your lawsuit and are floored when the court officers didn't force the defendant to settle on the spot.
Are you currently planning to initiate a law suit?
Wouldn't it be nice to know if the other party has any assets or possessions available ... Read >
Author: Arthur Hastings02nd May 2008
Living paycheck to paycheck? Being harassed by debt collectors? Can’t make ends meet? If this sounds familiar, you must consider availing debt consolidation, debt settlement or credit counseling. Amongst these debt solutions, credit counseling is the mo... Read >
Author: Jason Holmes28th April 2008
When all people search efforts have been exhausted and results still don't turn up well, a skiptrace is the next best thing to do. This is a very effective process which is used for very hard-to-locate individuals or those on the run or who don't want to ... Read >
Author: Ed Opperman 25th April 2008
Copyright (c) 2008 Stephen Lau
Yes, the current financial climate is gloomy and threatening: the consumer's debt is mounting, and the number of cars repossessed and homes foreclosed is escalating.
And maybe your personal debt is ballooning. Your per... Read >
Author: Stephen Lau18th April 2008
It seems like everyday things are getting more and more expensive and if you are like all of us we are using a credit card to pay for most of our purchases. The problem is we seem to get further and further into debt and most of us are just trying to keep... Read >
Author: bryan13th April 2008
Being affected by debt is probably one of the worst things that can ever happen. You will gradually find that the amount of unpaid bills and the number of phone calls from the debt collector will gradually increase day by day. When you are near bankrupt, ... Read >
Author: Daniel11th April 2008
Copyright (c) 2008 Stephen Lau
In the present financial climate, debt collection is commonplace and many people may have to deal with debt collectors due to delinquencies. To deal with creditors is an art.
If you are among one of them, you may think... Read >
Author: Stephen Lau09th April 2008
Debt collectors have become a new nuisance we will have to get used to. Besides knowing that there are some illegal practices you can report, there is not much you can do to stop the harassing calls and letters unless you are determined to solve your debt... Read >
Author: Devora Witts07th April 2008
IS IT RIGHT FOR YOU?
This site helps those interested in dropshipping business by providing a quick guide on how to start it, where to shop for products and where to list the products for sale.
70% OF RICH PEOPLE BECAME RICH BY STARTING THEIR OWN ... Read >
Author: lazysubmit07th April 2008
IS IT RIGHT FOR YOU?
This site helps those interested in dropshipping business by providing a quick guide on how to start it, where to shop for products and where to list the products for sale.
70% OF RICH PEOPLE BECAME RICH BY STARTING THEIR OWN ... Read >
Author: lazysubmit28th March 2008
If you are one of many consumers who have surpassed their spending limit and are feeling the pressure of debt collectors or have suffered the closing of their credit cards, we can give you some interesting hints as to what can be done in these circumstanc... Read >
Author: Amanda Hash28th March 2008
If you are one of many consumers who have surpassed their spending limit and are feeling the pressure of debt collectors or have suffered the closing of their credit cards, we can give you some interesting hints as to what can be done in these circumstanc... Read >
Author: Amanda Hash28th March 2008
Debt Consolidation Loans are not the only way to consolidate your debt, there are many other financial options to reduce your monthly payments and cut on your overall debt. With this information you will be able to see which option best suits your needs a... Read >
Author: Devora Witts20th March 2008
One of the main concerns when dealing with bill collectors is knowing how to safeguard yourself and handle the debt collectors and not let the situation escalate beyond your control. There a few ways to do that.
There is an act that was designed just f... Read >
Author: Moses Wright15th February 2008
Australia’s voluntary banking code, designed to protect consumers, is up for review amid concerns bank customers facing financial trouble are not being helped.
The Code of Banking Practice, which has been adopted by most of Australia’s banks, provi... Read >
Author: Tristan Dunston06th February 2008
Today more and more people to file a duty of protection and assistance under bankruptcy laws. With the current trend to increased bankruptcy filings, it is important to have a common understanding of some general facts related to the decision to file for ... Read >
Author: ebet sanders24th January 2008
'Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders' is a documentary and accompanying book released by American director and author James Scurlock and is a stark reminder of the ubiquity of credit cards.
Released to critical acclai... Read >
Author: Andrew Regan31st October 2007
If you have debt and you’re living paycheck to paycheck, then you need to be aware of what could happen if you lose your job. When you miss a payment on a credit card or loan, then the companies you owe will start the debt collection process. Let’s sa... Read >
Author: Bob Guy30th October 2007
I know that a lot of people out there are not content with their life. Whether its family or career, debt collectors blowing up the phone, mortgage payments, late fees, interest, accidents, etc. The list can go on and on. I know the feeling. At times ... Read >
Author: MHelphrey02nd September 2007
Getting contacted by a collector is never a good thing. But there are laws that govern the behavior of collectors, and there are steps you can take to control the situation. Credit repair expert Jim Kemish discusses the rights and remedies that anyone f... Read >
Author: Jim Kemish26th August 2007
Consumer debt in Britain has been a major topic of discussion in recent months as the numbers of people faced with mounting debt grows by the day. As a result, having been faced with increasing numbers of cases where the individual borrowers find it diffi... Read >
Author: Elisha Burberry03rd August 2007
In 2006, British consumers borrowed almost £14 billion and by the end of March 2007, the levels of consumer debt in the UK had soared in excess of £1.3 trillion. Despite the fact that these figures represent a 10 percent increase over the preceding twe... Read >
Author: Elisha Burberry04th June 2007
Regardless of nationality or ethnicity, there is one thing that is so common among citizens and residents of the USA, and that is none other than debt. According to expert research, the personal and consumer debt of the residents of the USA has gone up b... Read >
Author: James Banks07th April 2007
Are you harassed by your creditors and debt collectors calling you everyday? Have you ever experienced a job you were going for tell you that they can't hire you because you have credit problems? Have you been served with court papers threatening to sue? ... Read >
Author: joseph13th March 2007
If you are one of many consumers who have surpassed their spending limit and are feeling the pressure of debt collectors or have suffered the closing of their credit cards, we can give you some interesting hints as to what can be done in these circumstanc... Read >
Author: jessicapeterson12th March 2007
Is our service for you?
If you have credit problems, collection issues or stubborn past creditors and want to do the work yourself then yes!
Our Self Help Credit Restoration-Debt Negotiation Membership is for you if you want to fix your credit your... Read >
Author: SteveK07th March 2007
With consumer borrowing at an all time high the nation is riddled with debt. This coupled with the sharp hike in interest rates meant that many people are struggling to keep up with their monthly payments.
If debt is an issue in your house then debt co... Read >
Author: Christopher27th February 2007
The loan arena is bristling with a wide array of loan options. No wonder that people are blithely reaping the benefits of all such enticing loan options. However, giving loans can prove to be quite pesky for creditors, particularly when there are more deb... Read >
Author: Mike20th January 2007
There are many reasons why a person may have fallen behind on there bills. Most of them are good honest reasons. But just because you fall behind in your bills doesn’t mean you should be harassed, intimidated or even embarrassed by debt collectors.
I... Read >
Author: Thomas Berten10th January 2007
It’s always a thorny issue for anyone: asking for money. Whether it is money lent by you to a friend or a purchase made from your business, you have a right to any money that is due to you. Humans are compassionate creatures and often give people th... Read >
Author: martymac04th December 2006
I have been working in a factory most of my life and I know that I am getting on in years. So I decided to go back to college and learn a new trade that would allow me to make a living outside a factory. After all, I am not as young as I used to be and ... Read >
Author: Derek Rogers27th November 2006
No one is free from becoming indebted, but people with impulsive behaviors and compulsive buyers are the most prone to fall into great amounts of debt. After this happens, specialized agencies start the collection process.
The most common collectors ar... Read >
Author: Debbie White20th November 2006
So what does lon consolidation mean? Basically, it still involves a loan, but it means you take out one debt to pay off all the others.
Is your bank account being attacked from all angles? It has to deal with your bank loan, car refunds, charge card l... Read >
Author: Ben Hamilton17th November 2006
In 2004, the IRS was given the authority to use third party debt collectors to hunt down taxes owed by delinquent taxpayers. Scam artists knew an opportunity when they saw one.
Dealing with Scam Artist Pretending To Be IRS Debt Collectors
In an effo... Read >
Author: Richard Chapo17th November 2006
The terror of most Americans is to be hunted by the IRS for overdue taxes. Well, the terror has evolved a bit as the IRS is now using private debt collectors to do much of the work.
IRS and Private Debt Collectors
If you get behind on your taxes, y... Read >
Author: Richard Chapo17th November 2006
You're at the end of your rope and you simply can't do it anymore. You're drowning in debt and sick and tired of trying to gather enough money each month just to make the minimum payments due on your credit cards. You can be certain that you're not alone.... Read >
Author: Susan Megge03rd October 2006
If you've been a victim of job loss, medical emergency or other cause of income loss, you may be one of the millions of individuals facing a pile of debts that you cannot cover. Miss one or two payments and you can expect to get a call from a debt collect... Read >
Author: Roy Chan29th August 2006
The phone is ringing off the hook and caller ID identifies the incoming calls as "unknown caller," toll-free call," or "out of area." When you finally politely answer the phone you're confronted by an obnoxious, rude and threatening bill collector.
If ... Read >
Author: Susan Megge15th August 2006
Although the tide of bankruptcies receded after the new bankruptcy law went into effect on October 17, 2005, a swelling volume of new personal bankruptcy filings are starting to flow into the court systems. With consumer credit card debt now over $820 bil... Read >
Author: John Janney25th July 2006
Everyone should know their rights when it comes to debt collectors harassment. There are several steps you can take to stop a harassing creditor. Creditors must abide by several federal laws in the attempt to collect debts. Sometimes these collectors will... Read >
Author: Tim Grimsley07th July 2006
Before you file bankruptcy or start a long debt management plan, consider Debt Settlement. Debt settlement is faster than debt management and saves you money. You can reduce your debt greatly through debt settlement or negotiation. If you've experienced a... Read >
Author: Michael Cook06th July 2006
Flashing a credit card of some reputed company has become a way of life and a major style factor in recent times. It is a fashion statement with the youngsters. This is the magic of the advertisers to lure such innocent victims into the credit card trap. ... Read >
Author: Jim Glu03rd July 2006
Here are the top 7 questions we hear from consumers about credit reports and credit scores...
1. Will closing paid off credit card accounts improve my credit score?
This will surprise many of you, but closing paid off credit card accounts can ac... Read >
Author: Myra Golden26th June 2006
Good News for Employers wishing to change the terms of employment of employees, however, employers must still take care.
In Scott & Co v Richardson [2005], the Dependant, Mr Richardson, who worked for a Scottish firm of debt collectors, refused to acce... Read >
Author: Dr Rosanna Cooper18th June 2006
Your Consumer RightsBy Terry RiggIf you have ever fallen behind on your debts you already knowthat dealing with your creditors can be a hassle. Sometimesit can be downright humiliating. It doesn't have to be thatway.With millions of people experiencing fi... Read >
Terry Rigg
18th June 2006
When the option of debt management is brought up as a means of debt relief the more 'in the know' will immediately highlight the major flaw of going on such a program.
Yes of course getting a management company to negotiate with your creditors, lower ... Read >
Author: Peter Webber16th June 2006
It starts with a few missed mortgage payments and now you are wallowing in your own fear and sweat, this is certainly not the most favorable position to be in! Every year thousands of people and homeowners fall into this trap where they hide behind closed... Read >
Author: Jack Lee24th April 2006
You are in debts and know you need help. You hate the idea of borrowing from friends and families and decided to pick yourself up on your own even if it is going to be harder.
After much research, you find tons of debt consolidation companies, services... Read >
Author: Moses Wright18th April 2006
The Fair Debt Collection Practices Act, also known as the FDCPA, is a law, which was passed by Congress that regulates the methods collection agencies, can use to collect money from debtors who are behind on their payments. In the past many collection age... Read >
Author: Joseph Kenny08th April 2006
Do you know the signs of identity theft ?Would you know were to turn if your I.D. where stolen and used torack up thousands of dollars in debt ?The purpose of this report is to inform you of some of the signs ofI.D. theft,how to recoginize if your informa... Read >
scott2501us
01st April 2006
Debt Collection Management System Types
Debt collection is a difficult thing. There are many debt collectors who will never see the money that is owed to them. This is because it is not very difficult for a debtor to ignore the attempts by a debt co... Read >
Author: chrono stock01st April 2006
Common Collections Software Program Features
Collections software programs are a way that many business owners and individual debt collectors collect money from an overdue bill. In fact it is now rare to see a company collecting debt without using a c... Read >
Author: chrono stock01st April 2006
Helpful Tips for Purchasing an Online Debt Collection Software
Each day there are a large number of individual debt collectors or business owners who are trying to obtain money that is owed to them from previous clients. Contacting debtors, speaking ... Read >
Author: chrono stock05th March 2006
This article was written to reply numerous of the most regularly asked questions on this topic. I wish you find out all of this knowledge helpful.
1. Making More cash - Most individuals desire to make more money. They want to keep off not being able t... Read >
Author: kenji sakamoto21st February 2006
Credit card debt and other personal debt is one of America's most threatening dispositions. Millions of individuals every day are going further and further in to debt. Credit card companies and other debt collection business offer no remorse or help to ... Read >
Author: Gabe Killian14th January 2006
We've discussed already in this Debtsolver blog, the issues surrounding the mis-selling of debt repayment insurance, currently under investigation by the Office of Fair Trading (OFT). Another scandal that's facing the UK, involves the murky practices surr... Read >
Author: Wildfire Marketing Group Content Development Team09th December 2005
Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on ... Read >
Author: Charles Phelan09th December 2005
If you are behind on your bills and on the receiving end of collection phone calls, you will probably hear collectors make some very threatening statements. While most debt collection professionals try to stay within the boundaries defined by the Federal ... Read >
Author: Charles Phelan06th December 2005
Many people let their finances get a little out of hand at some stage. It's just a fact of life that today, with all the credit that lenders throw at us, and the amount of temptation out there to consume and buy more, that we end up spending more than we ... Read >
Author: Joseph Kenny17th October 2005
Bankruptcy is a state of a person or a firm unable to pay off the debts. In legal terms, bankruptcy refers to the settlement of liabilities of a person/organization, fully or in parts, who are in a state of not able to meet the incurred financial obligati... Read >
Author: Jakob Jelling13th August 2005
By: James Dimmitt
"Erase Bad Debt !"
"Remove Negative Items From Your Credit Report"
You've probably seen these headlines and others just like it promising to clean up or "fix" bad credit. For someone who suffers from a bad or poor credit ratin... Read >
Author: James Dimmitt25th June 2005
Effective June 1, 2005, the FTC's Disposal Rule requires businesses that utilize credit report information to properly dispose of that information to protect against unauthorized access to or use of the information. The Rule can be found at www.ftc.gov/o... Read >
Author: Glen Littlejohn
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