Class action against debt collectors

Surely it would have been possible to line up a lead plaintiff who did not himself turn out to run a competing collection agency Tags: class actions , debtor-creditor law , Minnesota Related posts July 13 roundup (0) Yogurt marketing class action (1) Yet more from the publicity file (0) Yes, I’m being facetious (16) Xbox 360 lawsuit bogus? (0) [more...]

Date: 2009-09-29 04:30:35

Blog posts (253) | Videos (98)
 

Bailing Out American’s Credit Card Debt

We have been hearing a lot of talk lately about bail outs.  We bailed out Wall St ... collection agency than Uncle Sam. The end results ... for $16,635 in debt, excluding mortgages, according to Experian.  The average credit card interest rate [more...]

Date: 2009-01-09 08:20:46

Debt a Glossary of Terms

Debt a Glossary of Terms Posted in January 2nd, 2009 Category:Debt Consolidation Bankruptcy - Having been legally declared financially insolvent ... . Collection Agency - ... [more...]

Date: 2009-01-03 01:21:40

consumer credit counseling

A consumer credit counseling service may be right for you if you are behind on your debts and not being able to make even the minimum payments. A reputable credit counseling agency can help to stop collection calls ... into one lower monthly payment. Some of them can help you have your debt paid off in three to five years [more...]

Date: 2008-11-28 02:21:05

"All political power comes from the barrel of a gun"

Thousands bankrupted over unpaid council tax - Times Online Bailiffs were used in 1.2 million cases to recover council tax arrears last year, and 2 ... -collection agency the next. It is extraordinary how less free citizens are in this respect than ... ,...Bailiffs have for hundreds of years been denied powers to break into homes for civil debt or to use [more...]

Date: 2009-01-07 06:36:12

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

Assessing Your Debt Situation

If your debt problems are behind you and you’re only concerned with cleaning up your credit report, skip ahead to Chapter 4, ... hassled by a collection agency, see Chapter 3, Section D. If you face an emergency, act on it at once ... into rebuilding your credit, take care of any financial emergencies. Then you should tally up your debt [more...]

Date: 2009-01-13 04:45:55

No Longer My Castle

Bailiffs get power to use force on debtors - Times Online Under the regulations, ... -collection agency the next. It is extraordinary how less free citizens are in this respect than ... Bailiffs have for hundreds of years been denied powers to break into homes for civil debt or to use [more...]

Date: 2008-12-22 07:40:45

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

RMC collectwhatever can kiss my butt.

I keep getting these totally ignorant phone calls from some collection agency about my Verizon bill. They claim that I owe Verizon, well them now because they bought the debt, the amount of $781.95 ... , they refuse to send me a paper notice of this debt, refuse to give me any kind of information [more...]

Date: 2008-11-04 02:17:23

Chapter 13:

Chapter 13: December 22nd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 01:38:35

Chapter 13:

Chapter 13: December 23rd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 04:22:27

Career Alliance debt climbs to more than half-million for improper spending

GENESEE COUNTY, Michigan -- The state has started formal debt collection of more than a half-million dollars against Career Alliance Inc., the taxpayer-funded job training agency that regulators say over-paid vendors, ran up unsupported credit card bills, and improperly spent... [more...]

Date: 2008-10-09 23:18:46

Canadian Tire Collection Agency call

So I received a suspected call from Canadian Tire asking me I owe them $3K. Apparently, I was surprised because I never own any Canadian Tire master cards or go there to shop. I don't owe them anything and out of the blue, they are asking me to pay up the debt [more...]

Date: 2009-01-14 01:52:38

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

IRS is willing to cut taxpayers some slack this year

IRS is willing to cut taxpayers some slack this year Jan 12th, ... out. The agency also launched a five-point plan to help those who are behind in past tax debts, giving IRS agents the ability to suspend collection actions, adjust payments for back tax bills and provide lenient [more...]

Date: 2009-01-12 04:21:16

Rubber Stamp Agencies

Ratings agencies are supposed to solve market failures, not create them ... investors to collect and analyze the information they need to make informed judgments about the quality ... are bound to develop: Debt Watchdogs: Tamed or Caught Napping?, by Gretchen Morgenson, NY Times: “ [more...]

Date: 2008-12-07 06:08:00

End times just keep on endin’

From the Washington Post: It was Wall Street’s version of an inside joke: Take a motley collection of largely unwanted assets, ... scrutinized. With these deals, known as collateralized debt obligations, the world glimpsed the raw ... itself of these toxic assets. Not only did no government agency or official try to stop the bond deals [more...]

Date: 2008-12-16 15:10:36

Sovereign Debts: Let the Downgrades Begin!

Making good its warning, the US credit rating agency Standard & Poor's downgraded the credit rating of Greece amidst a deteriorating economic ... the government's ability to improve its budget position through better tax collection and higher property or income taxes is offset by the rising cost of debt servicing and public pressure for additional [more...]

Date: 2009-01-15 11:27:00

Personal Bankruptcy and Health Care Reform

by Meg Brown If you want to thicken the air in any given room these days, bring up the subject of national health care reform. Opinions and emotions are guaranteed to fuel a heated conversation while at the same time some key issues are often left out of the informal debate. It is hard to blame participants for these oversights because of the subject’s extreme complexity. But the bottom line remains that this is a subject our country needs to intelligently tackle before it bankrupts us. [more...]

Date: 2009-09-29 07:10:04

Forgiven Debt Isn't Really Forgiven At All

By Kate Luther If you've been struggling with the rest of the economy, chances are you've been forced to rethink your financial priorities. And as a result, credit cards are often the first thing to go. The good news is that once you get behind, many credit card companies will offer to "settle" your account, some for as much as just 40% of your original balance. And if you're looking at a large chunk of credit card debt, making it go away for 40% of its value sounds like a pretty good deal. [more...]

Date: 2009-09-22 13:00:09

Looking for Materials About Iva – Find them Here

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-26 15:18:41

Communique Issued and Obama Speaking Now

You can watch him live here: The text of the communique is below. Leaders’ Statement: The Pittsburgh Summit September 24 – 25, 2009 PREAMBLE 1. We meet in the midst of a critical transition from crisis to recovery to turn the page on an era of irresponsibility and to adopt a set of policies, regulations and reforms to meet the needs of the 21st century global economy. 2. When we last gathered in April, we confronted the greatest challenge to the world economy in our generation. [more...]

Date: 2009-09-25 21:36:12

Iva – The Tips One Should Know About

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-28 09:19:03

Loans – Debt Management for Personal Loans

Personal loans can offer individuals a way to have the funds for an array of uses. Some are necessary while others are for pure enjoyment. It is important that you consider the financial obligation that comes with personal loans. Too often, individuals access money quickly then struggle to repay it. If you don’t have a good budget in place you may find yourself unable to make the payments on your personal loan.An area where many individuals get into trouble with individualized loans is debt consolidation. [more...]

Date: 2009-09-28 00:10:39

A Bank Short Sale - The Only Way Out?

by Anthony Mauwer A bank short sale is definitely not the only way out of a foreclosure, but it has many advantages that far outweigh other alternatives. A borrower facing this type of situation is already struggling under heavy financial constraints and may not be prepared to deal with the complexities of a short sale. The important thing to understand is that if approved for a bank short sale, the owners could find themselves in the best position possible to buy another home in the future. [more...]

Date: 2009-09-26 19:27:41

How to Deal With The Issue Of Credit Card Debt

Amazon.de Widgets Credit card debt has always been a problem but at no time has it been as prevalent as it is today. This article looks at the steps you can take to get back on track and gain control of your finances.It is so easy to become heavily in trouble with your credit cards. Debt takes no prisoners and the only way to deal with it is to hit it head on.It is always admirable when people decide to sort out their problems themselves but; if you are one of those people who are not very good [more...]

Date: 2009-09-28 11:12:09

Personal Bankruptcy and Health Care Reform

by Meg Brown If you want to thicken the air in any given room these days, bring up the subject of national health care reform. Opinions and emotions are guaranteed to fuel a heated conversation while at the same time some key issues are often left out of the informal debate. It is hard to blame participants for these oversights because of the subject’s extreme complexity. [more...]

Date: 2009-09-25 10:03:37

What Is A Third Party Collection Agency?

by Jonathan Summers The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-23 18:41:54

Idaho - Fatal Crash Claims 2 US95@306.5

T Meninick was NB US 95 @ mile post 306.5 when for an unknown reason swerved left through the median rolled onto its top and was struck by Madden’s oncoming vehicle in the SB lanes. Both occupants of Meninick’s vehicle died at the scene.  The road was blocked for approx 4 hours.DATE:  Sept 09/28/09        TIME: 0828   LOCATION: SB US95@306.5INVESTIGATING OFFICER:  Tpr YoderASSISTING OFFICERS/AGENCIES: Lt Oswald, Sgt Rouse, Cpl Koopman, Tpr Youngren, Tpr Kralik, Nez Perce County, Lewiston [more...]

Date: 2009-09-28 23:32:28

Search Public Court Records – What You Need To Know About Your Public Court Records

The ability today to access public court records means a system where ordinary can gain access to information to use to their benefit. While the access of these records is carefully scanned, be warned that there are still unscrupulous people out there with less than good intentions. But in general, accessing public records means cutting down on investigative costs of the past. Today, there are services available which perform this for you at a minimal cost. [more...]

Date: 2009-09-26 08:04:07

Restore Your FICO Score – Part Two

In our last post, we covered how to begin the process of restoring your FICO score, as well as how changes can affect this score. Now that you are ready to begin, there are a few steps that you will need to take. Many of these steps require diligence on your part and a little hard work. However, they can result not only in a higher FICO score, but also lower interest rates on loans, and a higher chance of getting approved for loans in the future. [more...]

Date: 2009-09-27 23:46:13

Find Out What Debt Validation Means And Why It’s Important

Imagine getting a phone call or a knock on the door, and when you answer it, a person called Victor says that he been authorized by someone name Joe to collect a debt that you owe him, and it’s true that you do owe somebody called Joe some money. Even if you had the money, and knew that you owed it, would you pay this new person on the scene? I’m pretty sure that you wouldn’t even consider for a moment giving Victor any money, until you were 100% sure that he was really acting on Joe’s behalf. [more...]

Date: 2009-09-26 20:20:24

What Happens to My Debt When I Die?

Does your debt just disappear when you die? What happens to all of your credit cards, car loans, student loans, and mortgages when you, or a loved one, dies? How do you deal with debt collectors and which debts are you responsible for?  If the debt was only in your name then no other individual person is responsible for it or them. If this is the case someone can mail the collection agencies the death certificate and if they still don’t back off  the collectors can be reported to the authorities. [more...]

Date: 2009-09-24 05:00:21

Debt Managment and Debt Consolidation Loans For Bad Credit

Amazon.de Widgets What is debt consolidation but a way to financial freedom with positive actions to bring about resolutions of high interest rates, late fees, over the credit line fees, etc. and see ones balances decrease instead of increase with positive impact on the credit rating. The question is frequently asked by consumers who find that answers to accumulating debt are on the wire and something has to be done. [more...]

Date: 2009-09-22 05:45:34

Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

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

Guest Post: How a Systems Perspective Can Help Financial Reform

With the financial system on the exam table, it has been more than a bit troubling, that certain questions are neglected in serious academic/policy debates. The discussion of possible remedies focuses on regulatory solutions, everything from requiring mortgage brokers to be licensed to increasing financial institution capital requirements and [more...]

Date: 2008-07-13 08:01:32

What Happens to My Debt When I Die?

If the debt was only in your name then no other individual is responsible for them. If this is the case someone can mail the collection agencies the death certificate and if they still don’t back off the collectors can be reported to the authorities. Your family is not responsible for paying off debts that are in your name only. However, your estate is responsible. This means that any assets you have will be sold off to repay your debts. [more...]

Date: 2009-09-24 05:00:21

The #1 Debt Collection Mistake

This content copyright © My Article Directory | Web Content 2009 If you’re like the majority of business owners chances are you’re making the most common and most costly account recovery mistake. And if that’s the case, when you flush this out of your system and rid yourself of this simple mistake, your cash-flows will soar. So what is this ruinous mistake? In a nutshell, it’s holding on to your debts too long. [more...]

Date: 2009-09-27 12:37:30

Kansas Supremes ruling could invalidate foreclosures on 60 million mortgages

Global Research - Landmark Decision: Massive Relief for Homeowners and Trouble for the Banks : A landmark ruling in a recent Kansas Supreme Court case may have given millions of distressed homeowners the legal wedge they need to avoid foreclosure. In Landmark National Bank v. Kesler, 2009 Kan. LEXIS 834, the Kansas Supreme Court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. [more...]

Date: 2009-09-23 01:36:02

Roth IRA FAQ, Income Streams and Financial Q & A @ The Carnivals

new logo design is now over. As for which logo won? It was a tight vote between 2 logos. Now how about I surprise you all with it when I put it up? ... In Washington All Financial Matters: Oil Just Keeps Dropping! Rich Credit Debt Loan: How To Stop ... Decision Crackerjack Greenback: Personal Finance in the Bible: Proverbs 13:7 Ask Mr. Credit Card [more...]

Date: 2008-12-03 22:11:44

Willem Buiter Calls for Less US Stimulus, Expects Collapse in Price of Dollar Assets

I am a big fan of Willem Buiter, even on those rare occasions when he is wrong. He is unusually blunt for a Serious Economist, and is willing to take on orthodox views and institutions frontally. He has, for instance, been quite critical of the Fed. He created a firestorm at its last conference in Jackson Hole when, in a presentation, [more...]

Date: 2009-01-05 05:24:34

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

Inspired by People Accomplishing Personal Victories

Without a doubt one of my favorite parts of participating in the personal finance blog arena is reading the great stories of people that have awakened to the lunacy of carrying lots of debt and have changed their habits to grab hold ... sending him a note sincerely congratulating him when he paid off his last debt. I really felt happy [more...]

Date: 2009-01-15 13:00:25

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Review of 2008 Economic Predictions

Here we go… My overall assessment is that: a) All major directions were right in this prediction b) Where I was wrong, I was either too early and (amazingly) too optimistic. It has hard to realize how long ago in financial terms Jan 2008 was. As you read these predictions, they look almost mild, yet in January 2008, [more...]

Date: 2009-01-14 13:48:45

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

The Sellers Aren’t People, They’re Banks

The Monterey County Herald reports from California. “The state Department of Real Estate has accused a local broker and his former partner of fraud in connection with Fresno’s controversial and long-delayed Running Horse Golf and Country Club. Tom O’Meara of Carmel and Scott Webb of Fresno are accused of fraudulently soliciting more than $6 [more...]

Date: 2008-06-30 22:28:53

Another Reason to Skip College

Another Reason to Skip College Posted by Karen DeCoster at 08:59 AM This article claims that student loan defaults are still under 10%, ... allowing them to seize income-tax refunds, withhold professional licenses and enlist collection agencies to gather payments. Meanwhile, the U.S. Department of Education withheld eligibility [more...]

Date: 2008-11-25 14:59:40

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