Need a game to learn to manage your credit?
By Philip Brewer Everybody learns best in their own way ... under the fair debt collection practices act, debt collection agencies, bankruptcy (chapter ... calculators for budgeting, debt pay-off schedules, and the actual cost of items bought on credit. Among other [more...]
Date: 2008-09-18 11:51:03
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Funny video: telemarketing prank - adapt it for collectors
Permalink Page 1 of 440 pages 1 2 3 > Last » Search CreditSuit ... Debt buyer LVNV incorrect credit reporting of collection Categories Credit crisis deliberately ... 10-year old debt Bankruptcy filings rapidly increasing, California up 80% Perspective: poverty [more...]
Date: 2008-11-15 20:28:00
Restrictions on Wage Garnishment for Debt Collection
Many debtors that have defaulted on their credit card debt or other unsecured loans are concerned about their wages being garnished. Often collection agencies will threaten to turn your debt over to their ‘legal department’ ... for you… at no charge. The U.S. Department of Labor has developed The Federal Wage Garnishment Law [more...]
Date: 2008-11-30 16:13:23
How You Can Remove a Collection Account From Your Credit
by Justin Hutto You must dispute a collection, to remove it from your credit report. This dispute needs to be filed with the credit bureaus ... dispute information requests, debt validation, and creditor direct intervention. What is a collection ... to recover payment. It is common for lenders to have an in house collection agency. However many also [more...]
Date: 2008-11-15 18:16:08
Statute of Limitations in Ohio on credit card debt; Open Account vs Written Contract
From Debt Prison Forum a reader asks for advice in response to a collection agency dragging up an 8 year old credit card debt ... an acknowledgment that you owe the debt. It’s then still up to you and the collection agency to work ... I received numerous threatening calls from a collection agency or an attorney acting [more...]
Date: 2008-11-12 02:31:36
Credit Blemished Over Imaginary Credit Card [Debt Collectors]
The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... of the charge, however, was when I received a collection notice several months after [more...]
Date: 2008-10-30 19:20:44
A recent article in Business Week highlights some apparently (IMO) improper practices used by credit-card issuers in collecting debts ... Forum (NAF) … specializes in resolving claims by banks, credit-card companies, and major retailers ... of their credit-card applications to arbitrate any disputes over bills rather than have the cases [more...]
Date: 2008-06-16 19:52:25
Exploiting Ignorance: Money for Nothing
This post is the tentative conclusion to a series of posts, loosely about the sorts of pseudo-scams that credit card companies use to keep borrowers in debt ... that most credit card debt collection is an outright scam, is both the tip of the iceberg [more...]
Date: 2008-07-24 13:32:21
CompuCredit must "Comp You Cash"
$114 million refund in pipeline for subprime credit card users - Action Line - MiamiHerald ... Capital Systems, a debt collection company wholly owned by CompuCredit, engaged in deceptive conduct in marketing credit cards as part of its debt collection activities and engaged in abusive practices [more...]
Date: 2009-01-11 02:15:00
Is the credit card bailout real?
Until you actually see it happening, it isn’t real ... card debt collections. Credit card industry data indicate the average debt discharged in Chapter ... the rule. While a deal may help avoid credit card cancellation or bankruptcy, it will also lead [more...]
Date: 2009-01-06 08:34:26
How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere
Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]
Date: 2009-09-26 12:39:41
Fix Bad Credit
by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]
Date: 2009-01-14 19:07:31
American Profit Recovery
Two months ago, our credit card debt from Sears was over. I’m thankful to the Collection Agency that resolve this matters ... in this country. LOL! I'm just kidding! Speaking of debt collection, I stumbled upon a site ... more profitable, but change the fundamental way in which a collection agency operated. They have a proven [more...]
Date: 2009-01-10 01:07:14
Can Collection Agencies Sue Me For Outstanding Debt?
Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]
Date: 2009-09-29 11:34:48
IN AN ATTEMPT TO FIX MY CREDIT, I TRIED TO CONSOLIDATE AND IT DID NOT HELP. WHO CAN HELP WITH CREDIT REPAIR?
{questions} Similiar Post The Four Applications That Can Help You With Postcards Design Credit Repair & Debt Collection Success Strategies Membership. Help Me With The Basics Of Terms “cheat Codes,game Emulator,vbagx,gta,psp,ps2″? Expecting Kris G’s Answer! Malibu Canyon Tech Support - Agoura Hills Computer Repair - Calabasas Pc Help I Hve A Hp Notebook Dv6000 The Mouse Pad Area Gets Hot we Send [more...]
Date: 2009-09-26 08:58:39
How Debt Consolidation Can Get Debt Collectors To Stop Calling
by William Blake If your bills are piling up creating a mountain of debt, ... the mound of debt and flea from those collection calls? The answer you need may be this: debt ... , then it may be possible to work with a credit counseling agency to learn about debt consolidation. The options [more...]
Date: 2008-10-31 09:50:14
Debt Management Programs– best way to get out of debt.
A debt management program collectively takes all the loans of various amount and interest rates and forms into a new loan which is released to you. After that, only a single installment is required to be paid every month on a fixed rate of interest. This process is known as debt consolidation. Usually, debtors opt for bill consolidation scheme from the fear of bankruptcy. The problem originates with the use of many credit cards or taking multiple loans from various banks for personal or investment purposes. [more...]
Date: 2009-09-08 05:51:11
How to Safely Build Your Credit History
I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... and such, but I don’t know where to start. I’m worried about getting way into debt like some people ... (credit bureaus) that are in the business of collecting the information for credit reports - Experian [more...]
Date: 2008-09-23 20:00:35
Facing Debts after Wedding
After my personal experience in the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some ... . 3) Debt Collection Agency: So finally I just want to introduce this website which can be helpful ... much debt. The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]
Date: 2009-01-15 15:04:28
Fierce Financial Tips: The Carnival of Personal Finance #178, Struwwelpeter Edition
I’ve been waiting for this chance to host The Carnival of Personal Finance for some time ... , and this time, I think I do….! This edition commemorates a rather strange and bizarre collection ... about forgiving credit card debt. In fact, if Congress changes the accounting rules surrounding credit [more...]
Date: 2008-11-10 05:46:25
Stop the Collection Calls With Debt Consolidation
by Marlin Baccus It is a stressful thing to watch as the bills pour end week after week and know you do not have the money to even meet the minimum ... to the hilt, then it may be possible to work with a credit counseling agency to learn about debt ... and debt collectors. That can be extremely frustrating situation to be in. Can anything put an end [more...]
Date: 2008-10-23 19:57:58
Consumer Advice to Ring in the New Year
December 23, 2008 FTC News Release: Nine Consumer Tips to Make the Most of 2009 As 2008 draws to a close, ... credit report with no strings attached. To learn more about credit, mortgages, debt collection ... the Federal Trade Commission has nine consumer tips that can yield big dividends next year [more...]
Date: 2008-12-23 18:24:31
Credit Repair Strategies Revealed
Discover How To Build Back A Good Credit Score & Get Out Of The Debt In The Shortest Time Possible! ... Creditors Credit Repair and Avoiding Court Credit Repair Collection Agency Options to Avoid in Credit [more...]
Date: 2008-12-22 14:39:42
Capitalism Derailed--it's a Good Thing
(Author's note: this is a revised version of a previous post. I received some great and critical feedback, which, hopefully, is reflected here.) ... , our collective credit card is beyond maxed out: the national debt is estimated around $10.6 trillion ... Whether you recently lost your home or your job, had a pay cut, had to run up your credit [more...]
Date: 2009-01-04 23:33:36
Debt Negotiation with Credit Card Companies
by Daniel Atolben Are you drowning in debt and finding it difficult to make your monthly payments? ... to a collection agency. Since credit card companies won’t be getting all the money that you’ve agreed ... Even if you’ve had no problem controlling your debt in the past, there may be something unexpected [more...]
Date: 2008-11-26 19:15:29
How To Stop Bill Collectors From Harrassing You
A reader at Sample Debt Validation Letter asks how to get a collection agent to stop harassing her ... . Who can I report her to? And how do I get her to quit harassing me? The debt is an old credit card ... of all, once you enter the world of defaulted credit card debt - what good is it doing to talk to these people [more...]
Date: 2008-12-02 03:45:37
Credit card settlement
Debt problems happen to nearly everyone at some point in their life ... that you have made with the creditor or collection agency. Debt consolidation is a popular way of dealing ... card and you are unable to clear your debt. So you can get advice for credit card settlement [more...]
Date: 2008-11-20 04:10:51
Debt Collectors Are Facing Reality
dreamstimefree_17571302 Are debt collectors starting to face reality when it comes to payment of overdue bills? ... percent to 70 percent of a person’s total credit card debt. After many instances of collection abuse ... to cover their bills in a declining economy. The New York Times reported lenders and debt collectors [more...]
Date: 2009-01-15 15:16:33
Fix Bad Credit
by John Cooper If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account [more...]
Date: 2008-12-24 10:55:40
Did collection calls contribute to Floridian's death?
Filed under: Credit , Debt Florida law firm Morgan and Morgan filed a first-of-its-kind lawsuit alleging that a company's collection calls were so frequent and harassing that they contributed to a person's death because they increased Stanley McLeod's blood pressure and stress levels. McLeod's debt problems stemmed from the fact that he had difficulty paying his mortgage because he had to quit his job at Sears after suffering a massive heart attack. [more...]
Date: 2009-09-17 19:00:00
Complaints About Bill Collectors Rocket as Debt Collectors Get Tough
A story by CNN today makes my article on How to Hide From Debt Collection, the Debt Collector and Creditors even more timely ... number of Americans who took on more debt than they could handle during the free-spending, easy-credit ... . After several years in which Americans were buying stuff on credit they couldn’t afford [more...]
Date: 2008-10-30 22:40:33
In major settlement, St. Louis Park company agrees to stop handling consumer arbitration disputes
Less than a week after being sued by the Minnesota attorney general’s office, the nation’s largest arbitrator of credit card and consumer collections has agreed to stop performing such work, state Attorney General Lori Swanson announced today. The National Arbitration Forum, based in St. Louis Park, allegedly deceived consumers into thinking it was a neutral arbitrator in debt collection, the lawsuit said. [more...]
Date: 2009-07-19 21:01:22
Bad Credit Repair
by John Cooper If you have bad credit there is hope ... has likely been sold to a collection agency. Thus the credit card issuer has no reason to save ... intervention, escalated dispute information requests, and debt validation. You can also help your credit [more...]
Date: 2008-12-30 23:30:54
FHA Credit Guidelines
FHA Credit Guidelines which borrowers and lenders must follow in order to obtain FHA financing for purchase and refinance loans ... of blemish, how old is the derogatory credit, what caused the late payment or collection & alternative ... recent debt to find out if is being used toward the cash required for the down payment. Also, any [more...]
Date: 2009-01-02 17:18:26
Erase Bad Credit
by John Cooper If you have bad credit there is hope ... has received some form of payment. For example with a charged off credit card account the debt has been sold to a collection agency, and the lender has no need to save any record of your account. Recent [more...]
Date: 2009-01-14 18:52:30
Best Web Sites to Learn About Consumer Law Issues -- Our Chicago Consumer Attorneys Can Assist You in Your Lemon Law, Predatory Lending, Auto and RV Fraud, Unfair Debt Collection, Unfair Wage Practices Claims and Other Consumer Rights Lawsuits
[ consumer%20protection%20m-Chicago%20Consumer%20Protection%20Attorneys%20--%20Chicago%20Consumer%20Protection%20Lawyers%20--%20Chicago%20Class%20Act ... more trouble Managing credit card debt Stopping eviction, lockouts and utility shut-offs ... consolidation options How to find effective credit counseling agencies Alternatives to filing bankrupt [more...]
Date: 2009-01-04 18:28:31
Bad Credit Repair
by John Cooper If you have bad credit there is hope ... the debt has been sold to a collection agency, and the lender has no need to save any record ... intervention, escalated dispute information requests, and debt validation. You can help your score [more...]
Date: 2008-12-11 16:35:57
Carnival of Debt Reduction #151
Welcome to this week’s Carnival of Debt Reduction! Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... !) He also submitted an article on collection agencies. Art of the Coupon explains how debt can breed ... months and $8,675.29 in interest to be rid of that debt — more than what was owed to begin [more...]
Date: 2008-08-04 08:35:02
Sprint ETF Settlement a Raw Deal for Consumers: How you can (easily) fight back
Sprint recently settled an Early Termination Fee (ETF) class action suit ... $25 credit on that debt, if Sprint has already sold the debt to a third-party (collection agency ... . And, it’s quite broad, covering customers from 1999 all the way to 2008. The settlement makes [more...]
Date: 2009-01-06 16:23:10
The Credits Secrets Bible Can Help Your Credit Score
Credit is a necessity that we all need. But if it is abused or overextended, you could end up in a bad situation. Credit cards and loan debt is at an all time high and people are looking for ways to repair ... . This product is important for anyone who is sick of the debt collection calls and is feeling the burden [more...]
Date: 2009-01-11 14:35:09
Should you respond to a collection letter?
Recently a family member sought my advice on a collection letter he had received ... balance), he was still left with several thousand dollars of debt on the credit card. Since he went back ... short list of when a debtor might want to apply a debt validation letter: You need a clean credit [more...]
Date: 2008-12-29 19:42:57
debtconsolidationcare.com
Is Debt Consolidation good for you? Get FREE counseling from a BBB member company. Avoid bankruptcy, become debt free, deal with collection agencies and improve your credit rating. Read Reviews [more...]
Date: 2008-12-08 05:00:00
Best Web Sites to Learn About Consumer Law Issues -- Our Chicago Consumer Attorneys Can Assist You in Your Lemon Law, Predatory Lending, Auto and RV Fraud, Unfair Debt Collection, Unfair Wage Practices Claims and Other Consumer Rights Lawsuits
[ consumer%20protection%20m-Chicago%20Consumer%20Protection%20Attorneys%20--%20Chicago%20Consumer%20Protection%20Lawyers%20--%20Chicago%20Class%20Act ... get them into even more trouble Managing credit card debt Stopping eviction, lockouts and utility ... while you get back on your feet. When you cannot ignore a particular debt without serious [more...]
Date: 2009-01-04 22:18:05
Your Credit Score, Your Sanity
I decided to sign up for credit monitoring at www.myfico ... you for an uncollectable debt, as the original creditor or the assigned collection agency cannot take ... that paying off a collection account will not remove it from your credit report. It will stay [more...]
Date: 2009-01-04 02:41:50
IRS Tax levy, Tax Collection, Tax Lien, Foreclosure Debt Foregiveness Rules May Be Amended.
Los Angeles, California - IRS will be improving IRS tax procedures to protect victims of tax-related identity theft and expanding outreach and ... to assist identity theft victims. 3. Cancellation of Debt Income. When an individual or business ... to foreclosure or who default on car loans or credit card debts. Taxpayers may exclude the amount [more...]
Date: 2008-07-22 19:43:56
What Every Consumer Needs to Know
What Every Consumer Needs to Know Building good credit history is extremely important to one’s life ... that control credit. These rights have been stated as provisions on Fair Debt Collection Practices ... so as to bear witness on whatever maltreatments or unduly practices of debt collectors and lenders. Fair Debt [more...]
Date: 2009-01-07 12:47:09
Reader mail: American Agencies collecting 10-year old debt
Permalink Page 1 of 441 pages 1 2 3 > Last » Search CreditSuit ... Agencies collecting 10-year old debt Bankruptcy filings rapidly increasing, California up 80 ... and wealth Categories Credit crisis deliberately caused by the regulators *** 20 Reasons to STOP [more...]
Date: 2008-11-17 19:13:00
Finance Fiesta #7: Mamma Mia Edition
Welcome one and all to the 7th Edition of the Finance Fiesta! This is the first carnival I have ever hosted, so hope it’s a good one for you ... she knows best. I give these posts the thumbs up as the best of the week. Mr. Credit Card from Ask Mr Credit Card answers a question from a reader “A Collections Company Sold my Debt After it was paid [more...]
Date: 2008-07-17 13:00:20
The Basics of Dealing with a Loan Default
Over the past few weeks, ... ). Eventually, a loan default results in repossession or foreclosure (if your debt has collateral) or having that debt turned over to a collection agency (if your debt doesn’t have collateral). The impact [more...]
Date: 2008-12-09 20:00:29
Spending Control.
Christmas is almost upon us and so I’m very sure that you have already finished or about to finish shopping gifts for your loved ones and friends ... about your expenses. The collection agencies are on a holiday break too so start thinking about credit cards and debt ... of your cosigners, you’ll find a way out of debt. There are financial institutions [more...]
Date: 2008-12-19 02:54:40
