Debt collectors have a vested interest in the money they get you to pay on your debts. Collecting this money is how debt collectors make their own money so it should not be surprising to find that they will sometimes use tactics that are considered ‘dirty’ tricks to get you to pay up. Even when [...]
A wage garnishment can be a financially devastating issue. It stems from a debtor not being able to make good on a debt they owe and as a result the creditor pursues further action including lawsuits and wage garnishments. A wage garnishment is a legal directive that requires your employer to send a portion of [...]
You’re enjoying a pleasant dinner with your family, and the phone starts to ring. Before you even pick up the receiver, your heart starts pounding and your blood pressure begins to spike. Why? You know the caller is about to ask you to pay a debt that isn’t yours. Perhaps you have the same name [...]
In today’s turbulent economic times, debt collectors are becoming more aggressive than ever before. Anyone who has fallen behind on credit card debt, medical bills or a home mortgage knows that unsettling feeling of hearing the phone ring at dinner or seeing a 1-800 number appear on the caller ID. Consumers Have Rights Unfortunately, many [...]
Due to the current state of the job market and the economy of the nation as a whole, many people are struggling to make day to day ends meet. As a result, more consumers are turning to payday loans just to get by from one paycheck to the next. While one payday loan may be [...]
Dealing with a debt collector can be a harrowing experience especially if you continue to ignore their calls, their letters, and other efforts to collect on debts you owe. While there have been stricter regulations about how debt collectors can work, they are still within their legal rights to work on getting back the money [...]
When people find themselves in over their heads in debt and unable to make at least the minimum payment due each month, many turn to a debt settlement company for help reducing the amount they have to pay. Debt settlement companies get fees in exchange for negotiating with your creditors. You can save even more [...]
A strategy used to lower interest rates and make it possible to eliminate high interest debt is commonly referred to as interest rate arbitration. Although this process can be used by all consumers, interest rate arbitration is most often used by consumers struggling to make multiple credit card and loan payments each month. By reducing [...]
The Federal Trade Commission has received so many complaints regarding the collection practices of debt collectors who are working to collect unpaid balances from the deceased has necessitated that new guidelines be established to prevent the continuation of deceptive collection practices. When a person passes away and leaves outstanding debt, it is often the deceased’s [...]
ReadyForZero.com is a web based financial program available to anyone who wants to get out of debt, free of charge. It’s not a debt settlement or debt management program that requires people to send payments to a third party, all the while not making payments to your creditors and therefore harming your credit score even [...]
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