FTC opinion letter on validation Section 809(a) of the FDCPA, 15 U.S.C. § 1692g(a)This will be a pretty long lesson and will cover an integral part of validation which is the receipt of the initial or first contact with the debtor by a collector which usually gets thrown in the... Read More
Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U.S. Bankruptcy Code; however, for most consumers there are really only two viable options; Chapter 7 and Chapter... Read More
How do I lower my debts?There are several ways of improving your credit status. If you have decided upon taking up firm steps to decrease your debts, then you may consider these few ways for dealing with the situation.1. Debt Relief:Try to negotiate with your creditor to come to an... Read More
Do you, like millions of other Americans, feel like you're sinking in an ocean of credit card debt? Well, fear not--there are many options for reducing your debt way before you have to be concerned about receiving notices or daunting telephone calls from debt collectors. The important thing to remember... Read More
A History of Money and TradeTo start with a history of money and debt, we must go back many years ago when people used to trade their wares for the things they wanted and needed.In place of money or Federal Reserve Notes, you could trade a well made pistol for... Read More
Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.Some of the information in this article refers to a manual called "Bankruptcy Basics" published by the Administrative Office of the United States Courts and written by Leonidas... Read More
Debt consolidation versus debt negotiation are two options that are available to you if you need debt assistance. When your monthly bills become too much for you to handle, it makes sense to use debt consolidation or debt negotiation for solving debt and credit problems.Debt ConsolidationDebt consolidation services have prearranged... Read More
So you are getting collection calls? You're desk is full of unpaid bills. You dread answering the phone. You are having trouble sleeping at night because you are worrying about a bunch of bills. You feel depressed. Does any of this sound familiar? If it does then, maybe this article... Read More
When you find yourself thinking about using a credit counseling service, you need to be very careful. You need someone who will help you, not just some pushy sales associate who wants only to sign you up for their service.You are about to place your financial life in someone else's... Read More
The recently passed Bankruptcy Abuse prevention and Consumer Protection Act will make it harder for people with problem debt to have their debt eliminated through filing for bankruptcy. This new legislation will make it harder to have debts wiped out by the courts, and will require more debtors to pay... Read More
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Decreasing your debt is paramount to having a good credit... Read More
An inability to manage credit, growing debt and bankruptcy are... Read More
Filing bankruptcy is a common practice among the U.S. Over... Read More
Step 1. The purpose of this first step is to... Read More
With the high cost of gasoline and the amount of... Read More
Have you ever felt trapped in a Rat Race and... Read More
Debt negotiation and settlement can give you a drastic reduction... Read More
Bankruptcy laws give debtors a way to resolve debt by... Read More
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For many, the word 'budget' immediately sends shivers down the... Read More
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Lots of people take a large ammount of loans and... Read More
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This May, the Department of Trade and Industry in the... Read More
Massive debt is something many Americans face. Debt reduction is... Read More
Many times the subject of bankruptcy seems baffling in its... Read More
Bankruptcy and Credit - What Happens After Your Debts Are... Read More
Bills, creditors, debt collectors. Are you yearning for the days... Read More
A Debt Checklist allows you to look at items and... Read More
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As vice president of the American Credit Foundation, a nonprofit... Read More
What Is an IVAThe IVA (Individual Voluntary Arrangement) was introduced... Read More
With mounting bills and unforeseen hardships, you may be considering... Read More
Feeling stressed by the amount of debts you have? Three... Read More
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A debt solution like bankruptcy should really only be used... Read More
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Many people have been taught that you cannot get ahead... Read More
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Your FICO score or credit score as it's commonly called... Read More
1) Use your AssetsIf you have assets with some significant... Read More
A "bad credit home loan" can help you climb your... Read More
If you're reading this article right now I'm sure that... Read More
If you have incurred substantial personal debt, consider these options:... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy... Read More
In all the technical discussion you hear about credit... Read More
Debt Settlement companies work with your creditors to help you... Read More
Reducing debt usually isn't a high priority for people until... Read More
The recently passed Bankruptcy Abuse prevention and Consumer Protection Act... Read More
Having trouble paying your bills? Getting dunning notices from creditors?... Read More
There is a law all smart people break.Parkinson's law.Parkinson's law... Read More
What is Credit?Credit means that you are using someone else's... Read More
What Everybody Needs To Know...Learn The Truth About Debt Elimination... Read More
Debt settlement involves negotiating with a creditor or creditors to... Read More
It is always possible to negotiate with creditors ? even... Read More
If you are in debt over your head and wondering... Read More
Who are these people anyway? They viciously harass you and... Read More
Sometimes debt can seem overwhelming. In those instances, or even... Read More
The First Step To Debt EliminationRegardless of your personal and... Read More
When you find yourself thinking about using a credit counseling... Read More
Debt negotiation and settlement can give you a drastic reduction... Read More
After October 17, 2005, a lot of people are going... Read More
Are you among the millions of people who have found... Read More
If you are considering bankruptcy as a solution to your... Read More
If you've ever earned enough money to put some aside,... Read More
I'm sure you'll agree that budgeting, saving money, and eliminating... Read More
As a single mother, lets admit it, times get tough.... Read More
Bankruptcy is little more than a smack on the hand... Read More
As consumer debt continues to spiral out of control, debt... Read More
A debt solution like bankruptcy should really only be used... Read More
Bankruptcy is in the news these days, as Congress has... Read More
Good credit is everyone's dream. A wise use of credit... Read More
Debt Relief |