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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Fair Debt Collection - Know Your Rights!
FAIR DEBT COLLECTION If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a “debtor ... Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe. This brochure [more...]
Date: 2008-12-27 18:39:33
Beating Collectors With Credit Repair
You may encounter a reasonable, mild mannered collector someday, but do not hold your breath. Collectors are trained to be emotionally effective. This means aggressive. They will keep you on the phone as long as they can in an attempt to bend your will to theirs. Their goal is to get money out of you, whatever it takes. Unfortunately, in their effort to dominate, they often step over the line of legality, and hence arises the need for credit repair techniques to neutralize their wayward conduct. [more...]
Date: 2009-09-25 15:17:42
Fixing Your Credit Fast
by Michael Saunders When it comes to the subject of fixing bad credit and dealing with collection agencies, debtors have a very critical right outlined in the Fair Debt Collection Practices Act. This right is centered on the ability to have a collection account validated. This process, as outlined in the FDCPA, is quite different from the “verification” process referred to above. When a credit bureau asks a creditor to “verify” information, the investigation that follows can be pretty cursory. [more...]
Date: 2009-08-23 11:19:58
Charge this: 7 tips for a successful credit card dispute
August 16, 2009 When Carla DeLuca canceled her room at the W Hotel Union Square in New York a week before her arrival, the hotel decided to ding her for a night’s stay anyway.Despite assurances from several W employees that the erroneous charge would be reversed, DeLuca, who owns a marketing company in San Francisco, was asked to pay an extra $330 on her next American Express bill.So DeLuca did what increasing numbers of travelers are doing: she filed a dispute with her charge card company. [more...]
Date: 2009-08-16 10:00:43
Important Facts About First Party Collections
by David P. Montana If you’re a business owner or departmental manager who does any kind of collections activities, you’re already pursuing first party collections, though you may not have known it. First party collections means precisely that: attempting to collect on debt for your own company instead of sending your accounts to a third party agency. Any time you make a call asking to remit payment or send a past due notice you’re engaging in the practice of first party collections. [more...]
Date: 2009-08-08 07:04:06
How First Party Collections Affect Your Business’ Cash Flow
by David P. Montana If you’re a business owner or departmental manager who does any kind of collections activities, you’re already pursuing first party collections, though you may not have known it. First party collections means precisely that: attempting to collect on debt for your own company instead of sending your accounts to a third party agency. Any time you make a call asking to remit payment or send a past due notice you’re engaging in the practice of first party collections. [more...]
Date: 2009-08-05 10:16:19
How First Party Collections Affect Your Business’ Cash Flow
by David P. Montana If you’re a business owner or departmental manager who does any kind of collections activities, you’re already pursuing first party collections, though you may not have known it. First party collections means precisely that: attempting to collect on debt for your own company instead of sending your accounts to a third party agency. Any time you make a call asking to remit payment or send a past due notice you’re engaging in the practice of first party collections. [more...]
Date: 2009-08-05 10:16:19
First Party Collections Information Important To Your Business’ Cash Flow
by David P. Montana If you’re a business owner or departmental manager who does any kind of collections activities, you’re already pursuing first party collections, though you may not have known it. First party collections means precisely that: attempting to collect on debt for your own company instead of sending your accounts to a third party agency. Any time you make a call asking to remit payment or send a past due notice you’re engaging in the practice of first party collections. [more...]
Date: 2009-08-08 07:04:59
Facts To Consider When Choosing A Collection Agency
Once you've decided on delegating your delinquent accounts to a collection agency, the next question is how to find the best one. In today's current economy there are so many different kinds it can be confusing. Following are suggestions for finding the best collection agency to suit your needs. The first thing you need to ask when trying to hire collection agencies is whether or not they charge an upfront fee. Most collection agencies charge a percentage of the money they recover. [more...]
Date: 2009-07-24 14:51:57
Things Your Business Needs To Know About First Party Collections
by David P. Montana If you’re a business owner or departmental manager who does any kind of collections activities, you’re already pursuing first party collections, though you may not have known it. First party collections means precisely that: attempting to collect on debt for your own company instead of sending your accounts to a third party agency. Any time you make a call asking to remit payment or send a past due notice you’re engaging in the practice of first party collections. [more...]
Date: 2009-08-10 07:08:18
New Requirements Seek To Confine Debt Collections
New Requirements Seek To Confine Debt Collections by Jonathan SummersDebt collectors could be dealing with harsher statutes on their ability to collect money if bills proposed by the governor and New York state Assembly ever get passed by the state Senate. Before the state Senate went into a final stalemate, the state Assembly passed a series of laws directed at cutting down on debt collector abuses that include threatening phone calls, harassment and intimidation. In addition, Gov. [more...]
Date: 2009-07-22 13:31:08
ScamBuster 233
Hello How are you doing today? I hope well? However I wish to use this medium to inform you that I have a relatively large sum of Funds for investment; and I would like you to guide me through the most viable investment opportunities in your country. Alternatively, I can invest in your line of business/project if you are interested and if your line of business is viable and lucrative with high cash flow. I inherited these funds from my late father. [more...]
Date: 2009-07-25 07:56:28
Recovering from Neoliberal Disaster: Why Iceland and Latvia Won’t (and Can’t) Pay the EU for the Kleptocrats’ Ripoffs By Prof. Michael Hudson
17 August, 2009 — Global ResearchCan Iceland and Latvia pay the foreign debts run up by a fairly narrow layer of their population?The European Union and International Monetary Fund have told them to replace private debts with public obligations, and to pay by raising taxes, slashing public spending and obliging citizens to deplete their savings.Resentment is growing not only toward those who ran up these debts – Iceland’s bankrupt Kaupthing and Landsbanki with its Icesave accounts, and heavily [more...]
Date: 2009-08-22 16:39:26
Court orders a lawyer who screwed up to refund his client's fee
The Massachusetts Appeals Court ruled today that a Boston lawyer whose office failed to file a client's bankruptcy petition on time not only has to pay off her debts but refund the fee she originally paid him. Attorney William Soo Hoo had argued that he deserved to keep Linda Don's $1,000 fee because none of her creditors had actually sued her, which means the result was the same as if his office had done its work correctly and gotten her bankruptcy protection. [more...]
Date: 2009-08-26 14:45:33
"WWJD" Debt Collection Suit Voluntarily Dismissed After Counterclaims Filed
Both AP and a Liberty Counsel press release yesterday report that a lawsuit under the Fair Debt Practices Collection Act against Bullseye Collection Agency of Monticello, MN has been voluntarily dismissed. The suit was brought by Mark and Sarah Neill who received a collection letter from Bullseye with "WWJD" (What Would Jesus Do?) at the top. The lawsuit claimed that this was an unfair collections practice because it had the effect of invoking shame or guilt. [more...]
Date: 2009-07-29 11:05:00
Lawyerist Insider Profile: Todd Murray
Want to be featured here? Sign up for the Lawyerist Insider newsletter. Name and law firm Todd Murray of Todd M. Murray and Associates, PLLC . Describe your law practice I help people and small businesses struggling with debt collection by defending them when they are served with a collection lawsuit and by negotiating settlements and payment plans with their creditors. I also sue debt collectors that harass and abuse people under the Fair Debt Collection Practices Act. [more...]
Date: 2009-08-16 11:25:29
Brown’s Journey from Reformism to Neoliberalism…
Brown’s Journey from Reformism to Neoliberalism Issue: 115 Posted: 2 July 07 John Newsinger “The distribution of income in Britain has now become so unequal that it is beginning to resemble a Third World country”, wrote Gordon Brown in his 1989 indictment of Thatcherism, Where There Is Greed . He complained that since 1979 “an extraordinary transfer of resources, from poor to rich, has taken place”. [more...]
Date: 2009-09-16 13:14:13
Electing The Fourth Reich…
http://www.wholetruthcoalition.org/category/hiddenhistory/ Are you fed up with the damage politicians and their political correctness have done to our country? Are you ashamed of what has become of our way of life, our health system, immigration laws, justice system, police, our national pride and morality and our once mighty armed forces? Are you angry enough to want to do something about it NOW? [more...]
Date: 2009-09-19 11:24:18
Reinventing America
America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]
Date: 2009-01-13 09:40:59
Debt Collection Abuse on Display
New York Attorney General Andrew Cuomo sues some of the most abusive debt collectors. The first consumer did not even owe the debt, but ended up paying $900 just to make the abuse stop! Embedded video from CNN Video This kind of behavior is why the Fair Debt Collection Practices Act exists. If you are getting calls from debt collectors who harass and abuse you, you do not have to take it. Call a consumer rights lawyer ! [more...]
Date: 2009-08-21 04:17:20
Gates of Vienna News Feed 11/12/2008
Some headlines to look at:“Muslim Killed Catholic Girl in Love With Flatmate”“London Fundraisers Linked to Stoning of 13-Year-Old”“Possibly Tens of Thousands of Somalis in the US Illegally”“New Anti-Christian Attack in Mosul, Two Sisters Killed”But then there’s this:“Denmark: Ready to Ban Headscarves for Judges”So it’s not all bad news [more...]
Date: 2008-11-13 04:52:00
Gates of Vienna News Feed 1/2/2009
In tonight’s news: Israel is poised to send ground troops into Gaza.A Muslim family was removed from a plane before takeoff, and is being compensated by the airline for the error. CAIR is in high dudgeon about the incident.Thousands of shoes were dumped on a Miami expressway — is that a message for President-eject Bush? [more...]
Date: 2009-01-03 04:42:00
Project Humanbeingsfirst Index
Project Humanbeingsfirst.org Download-PDF | Print | Press-Releases | Mirrors | Topical-Index Urgent-Action | Topic du jour | Latest | Essays | ... “The answer to 1776 is the USA Patriot Act” -- The Chairman Fait Accompli of the day Elections ... of Public Debt in America – will take a gestalt shift to overcome! The Enduring Capitalist Conspiracy [more...]
Date: 2008-11-24 07:04:00
Who Really Rules Your World
We have all heard it said that “money is the root of all evil” and probably thought that was a bit of an exaggeration ... distribution of wealth; inflation; national debt; currency crises and devaluations; recessions; depressions ... to govern the world. If you have any doubt about that, please read on. National Debt: We’ve all heard [more...]
Date: 2008-12-29 11:53:02
Stock Market Dictionary - M
MFifth letter of a NASDAQ stock symbol specifying that the issue is the company's fourth class of preferred shares. M1Measure of the U.S. money stock that consists of currency held by the public, travelers checks, demand deposits and other checkable deposits including NOW (negotiable order of withdrawal) and ATS (automatic transfer service) [more...]
Date: 2009-01-02 16:44:00
Project Humanbeingsfirst Index
Honorific of the day “you are a completely stupid fool, a disgrace to humanity” -- Paul Craig Roberts, ... The answer to 1984 is 1776” -- Alex Jones “The answer to 1776 is the USA Patriot Act” -- The Chairman ... all Monetary Reform Proposals The entrenched notion of Public Debt in America – will take [more...]
Date: 2008-12-08 21:43:00
New Credit Scoring Model Set for Release in 2009- Finally!
Almost a year ago, we wrote about the new FICO 08 scoring model that was initially planned for roll-out at the latter part of 2008 ... -user information would be included. Small Collection Accounts Disregarded. Accounts with debt less ... . Besieged with lawsuits between its creator, Fair Isaac, and the three largest credit bureaus [more...]
Date: 2009-01-06 13:47:30
Protecting Commercial Landlord's Rights - Eviction, Collection and Beyond
Commercial landlords need to be vigilant in protecting their interests in these uncertain economic times ... . Following is a quick primer of questions to ask your attorney about both the eviction and collection ... reviewed the lease? It is important to have an attorney licensed to practice law in the State of New [more...]
Date: 2008-10-15 13:04:21
MY SWAN’S SONG: Testimony Before the United States Senate on the State of Foreclosures & Loan Modifications
Just under one month ago, on July 26, 2009, Diane Thompson testified in front of the United States Senate Committee on Banking, Housing & Urban Affairs. Her written testimony, which included 79 footnotes and 28 pages of exhibits, ran 55 pages in length and was titled: “Preserving Homeownership: Progress Needed to Prevent Foreclosures”. Ms. [more...]
Date: 2009-08-25 13:25:56
Project Humanbeingsfirst Index
Project Humanbeingsfirst.org Download-PDF | Print | Press-Releases | Mirrors | Topical-Index Urgent-Action | Topic du jour | Latest | Essays | ... “The answer to 1776 is the USA Patriot Act” -- The Chairman “The answer to all Patriot Acts ... The entrenched notion of Public Debt in America – will take a gestalt shift to overcome! The Real [more...]
Date: 2008-12-07 02:33:00
Stock Market Dictionary - C
CFifth letter of a Nasdaq stock descriptor specifying that issue is exempt from Nasdaq listing requirements for a temporary period ... Dollar.CADSSee Cash Available for Debt Service.CAGRSee: Compound Annual Growth RateCAMPSSee: Cumulative ... for CONGO, THE DEMOCRATIC REPUBLIC OF.CDNSee: Canadian Dealing NetworkCDOSee: Collateralized Debt [more...]
Date: 2009-01-02 16:33:00
Reunion.com Revisited
Following in the expected path of her earlier ruling, District Judge Maxine Chesney again dismissed an anti-spam lawsuit against Reunion.com. This time, the Judge also threw in a tenuous constitutional holding for good measure. Count this ruling as yet another one muddying the distinction between fraud lawsuits and anti-spam lawsuits and [more...]
Date: 2009-01-10 02:39:51
Excellent Article Summarizing Many Areas of Foreclosure Litigation
Current Trends in Residential Mortgage Litigation BYLINE: Daniel A. Edelman*; *DANIEL A. EDELMAN is the founding partner of Edelman & Combs, of Chicago, Illinois, a firm that represents injured consumers in actions against banks, mortgage companies, finance companies, insurance companies, and automobile dealers. Mr [more...]
Date: 2008-11-29 23:50:20
Debt Consolidation Glossary
Acceleration Clause Allows the lender in a loan agreement to demand early payment (sometimes in full) ... what is necessary. It is applied to the outstanding balance and allows a debt to be paid off more quickly. Adjusted Balance The remaining balance on a debt after payments have been subtracted from the original [more...]
Date: 2008-07-31 16:35:00
10 Things You Should Know About Bush’s Trillion Dollar Fleecing Plan
By AlterNet Staff, AlterNet. Posted September 23, 2008. Here’s a roundup of what opponents of the Bush-Paulson plan are saying. The Bush administration’s proposal to bail out some of Wall Street’s biggest players with an unprecedented transfer of public wealth to the private sector sent shock-waves throughout the nation [more...]
Date: 2008-09-23 14:23:15
How Our Gutless Media Helped Trigger the Credit Crisis
By Trudy Lieberman, Columbia Journalism Review. Posted November 20, 2008 ... on a card issued by another lender. This practice has caused credit-card rates for some people ... and helping to pile on debt that has contributed to mortgage foreclosures. But then-Governor Eliot [more...]
Date: 2008-11-21 01:28:57
Types of insurance
.fullpost{display:inline;}Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist [more...]
Date: 2008-12-25 19:45:00
Project Humanbeingsfirst Index
Honorific of the day “you are a completely stupid fool, a disgrace to humanity” -- Paul Craig Roberts, ... The answer to 1984 is 1776” -- Alex Jones “The answer to 1776 is the USA Patriot Act” -- The Chairman ... ... Ali Baba in Mumbai – Eid 2008 Reflections The Mumbai Terrorist Act: An International Chorus [more...]
Date: 2008-12-13 00:46:00
How To Get Expired Debt Harassment To End
Debt collectors calling to say you must pay a debt that you owe is a call that many people have experienced in the last few years. Most of the people that work for debt collection agencies are very respectful of the people ... . Even though this type of debt collection is illegal, there are some unethical debt collection [more...]
Date: 2008-11-04 21:30:47
Debt Collectors; And what you can do to Get Them Out of your Life
FTC opinion letter on validation Section 809(a) of the FDCPA, 15 U.S.C. 1692g(a) ... with the collection of any debt, a debt collector shall, unless the following information is contained ... throw those collection letters away. They may very well be a vital part of your defensive strategy [more...]
Date: 2008-12-07 11:00:13
Restore Your FICO Score – Part Three
In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take ... . The lower your debt to limit ratio is, the better your FICO score will be. Continuing ... requirement. This will help you chip away at a high balance and lower your debt to limit ratio nicely [more...]
Date: 2008-09-30 13:16:02
Stock Market Dictionary - B
Fifth letter of a Nasdaq stock descriptor specifying that issue is the Class B shares of the company.B2BAn Internet strategy of dealing directly with businesses, rather than consumers, i.e. business to (2) business.BAThe two-character ISO 3166 country code forBOSNIA AND HERZEGOVINA [more...]
Date: 2009-01-02 16:31:00
9 Questions You Need to Ask yourself Before Pursuing Debt Settlement
It’s no secret that Americans are struggling financially ... . However, many of the would-be bankrupt are turning to a less drastic solution to their debt problems: debt settlement. A Super-Short History of Debt Settlement Debt settlement is nothing new. It’s simply [more...]
Date: 2008-12-15 08:25:38
Economic crisis: US, China and the coming monetary storm
Maurizio d’Orlando AsiaNews December 9, 2008 The massive levels reached by the foreign debt of the United States and the excessive and ... rebalancing act of the system of international exchange. Many countries, especially the United States ... of the current economic turmoil. Flooding the system with debt liquidity will exacerbate the problem [more...]
Date: 2008-12-10 02:53:42
Project Humanbeingsfirst Index
Project Humanbeingsfirst.org Download-PDF | Print | Press-Releases | Mirrors | Topical-Index Urgent-Action | Topic du jour | Latest | Essays | Books | Reviews | Letters | FAQ Quote of the day “The answer to 1984 is 1776” -- Alex Jones “The answer to 1776 is the USA Patriot Act” -- The Chairman “The answer to all Patriot Acts [more...]
Date: 2008-12-01 20:27:00
California Debt Consolidation
California Debt Consolidation January 16th, 2009 Debtors are the ones who face tough times ... in the deferred presentment business would therefore be termed as illegal in California. The debt consolidation ... in California through their debt consolidation loan help you to improve your credit score. They abide [more...]
Date: 2009-01-16 04:11:25
Stock Market Dictionary - A
A Fifth letter of a Nasdaq stock symbol specifying Class A shares.AAIISee: American Association of Individual InvestorsABOSee: Accumulated Benefit ObligationABSSee: Automated Bond SystemACATSee: Automated Customer Account TransferACESSee: Advance Computerized Execution SystemACHSee: Automated Clearing HouseACRSSee: [more...]
Date: 2009-01-02 16:28:00
Debt collection attorneys
Debt collection attorneys are attorneys who regularly collect debts or assist in their collection. Either creditors or debt collection agencies as representatives retain many or simply for legal ... of collecting a debt. To do otherwise would be dishonest, and could be construed as misrepresentation, which [more...]
Date: 2009-01-08 02:10:45
Is Self Credit Repair Worth It?
As anyone who has researched credit repair to any degree has heard, you absolutely have the right to repair your credit on your own. In fact, Dr ... of your rights under the Fair Debt Collection Practices Act. In addition ... to your needs, invoking your rights under the Fair Credit Billing Act to force them to correct [more...]
Date: 2008-11-13 20:01:41
