The Fair Debt Collection Practices Act (FDCPA) clearly states what a debt collector may and may not do when contacting you in an attempt to collect a debt. Harassment is the single most prohibitive action. They cannot harass or use abusive language when speaking to you or when speaking to any third party that may… Read more »
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How can I get my creditors to stop calling?
Federal law prohibits creditors from taking certain actions in attempting to collect debts. A creditor has the right to call or contact you if you are delinquent in your payments, but they must do so within the guidelines of the Fair Debt Collection Practices Act FDCPA.
Avoid bankruptcy and get back on track!
“I have too much credit card debt and not enough income! I don’t want to file for bankruptcy, but I don’t know what else to do. Are there any good alternatives to bankruptcy?” We get asked this question several times a day. The answer is YES! There are some great options available to help you… Read more »
Get Debt Relief the Right and Easy Way!
The recent financial crisis had its origins in the credit crunch, specifically the mortgage housing meltdown. People simply took on too much debt in relation to their paying capacity. The situation can’t be expected to last or continue forever without serious corrections and that is what’s precisely happening. People were in effect spending beyond what… Read more »
Choosing from a Variety of Bankruptcy Alternatives
The recent financial crisis has awoken consumers to a new way of look at the world of debt. Many realize how precarious their situations may be due to many outstanding circumstances including loss of job, decreased benefits and income reductions. In addition, many of them have incurred so much personal debt such as credit card… Read more »
Top Ways to Beat the Recession and Credit Crunch
Even with the hard economic times, it is still possible to put in place certain measures that will see to it that the whole tightness when it comes to spending money is dealt with in the best way possible. By putting in play some of the top ways to beat the recession and credit crunch… Read more »
Secrets of Debt Relief
A government relief is one sure way of paying off old debts from credit cards. The lean economic times have made it impossible to avoid debts due to rocketing gas and commodities prices. Because of this many people have who have to get the means of survival have resorted to cutting their spending because their… Read more »
Credit Card Debt Reduction, Management, and Settlement
Depending on the needs they have at any given time, most people tend to end up with many outstanding debts that eventually plunge them in an economic crisis. However, by learning a few debt relief strategies, they can be in a position to experience financial freedom. There are two simple steps to achieve this, one… Read more »
Top Ways to Conquer Credit and Debt Problems
There are so many people who are wallowing in the miasma of bad credits and debts, and what is common about such people is that majority of them are in such predicaments due to loans they took, and failed to repay. Loans and dependence on credit cards are among the leading causes of extreme debts.
Your Guide to Debt Relief
The economic recession has led to a number of people falling back on key payments such as mortgage as well as normal utility bills. As a result, the debt rates in the worldwide have increased rapidly. There is hence a need to have a guide to debt relief. The internet offers a portal for one… Read more »
Free Yourself from Debt Forever
It is a fact that most people have problems with staying away from debts, and to some, this is like a disease that refuses to go away. A person who is debt ridden may not know how to free themselves from debts forever. To do this, one must first resolve to do so and then… Read more »
The ‘Debt Consolidation Secrets Exposed’
The process of debt consolidation is simply defined as taking out one loan to pay off many other loans. This particular process in normally done in order to secure low interests. It can also be explained further as a strategy, which is sometimes made use of by consumers to manage their issues that concern debts…. Read more »
How to Get Out Of Debt
With mortgages, car loans, house expenditures, as well as credit cards, being free of debt in the present times is next to impossible. The economic burden that has been presented by the harsh realities of life have made people sink deeper into debt while new people join the debt world, day in day out. The… Read more »
“Pay-to Delete”, Is This Ethical or Even Legal?
Over the last 15 years, I have come across all kinds of so-called "credit repair" suggestions and/or scams. One of these is called "Pay-to-Delete" or something like that. T
Don’t Be Afraid of Debt Collectors!
Receiving a call or letter from a debt collector can be a scarry experience. Here's what you need to know and what to do so that you don't have to be afraid: