Debt collectors can strike fear in the hearts of anyone who has fallen behind on their bills. Dealing with daily collection calls can compound the stress, guilt and fear you already feel when dealing with a financial hardship. Contrary to popular belief, the majority of consumers who have fallen behind in recent years are not [...]
Anyone who is currently or in the past dealt with debilitating debt knows the anger, frustration and sometimes fear that accompanies debt collection practices. It has often been said that debt collectors are people just like you or I, trying to do their job. Sadly there are times when these individuals or agencies for which [...]
Many people who are struggling with high debt balances tend to avoid reviewing their credit report. After all, who needs to be reminded that debt is overtaking their life? Well the cold hard truth of the matter is this; everyone needs to know what information has been reported to the credit bureaus in the event [...]
For every situation in life there is a right way to respond and a wrong way to respond. In the case of financial decisions, making the wrong choices can often result in negative consequences down the road. One of the consequences you might face if you have managed your finances poorly or face a financial [...]
When a debt collector calls, the conversation can often be so disturbing that you can end up agreeing to something that you may later regret. Even debt collectors must abide by certain rules when trying to collect a debt. The Federal Trade Commission (FTC) outlines the Fair Debt Collection Practices Act (FDCPA) that governs debt [...]
You are late with your bills, trying desperately to devise a plan to pay off the debts that you owe and then the phone calls start. It might be one or two a day at first but eventually you find that the debt collection calls are becoming more insistent and when you answer, you find [...]
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