Can A Credit Card Company Garnish My Wages?

Some debt collectors, and even credit card companies, will threaten you with a wage garnishment action for non payment. [more...]

Date: 2009-01-14 01:50:34

Blog posts (211) | Videos (187)
 

Waterford Wedgwood PLC Enters Bankruptcy

One of the world’s premier luxury china and crystal makers, Waterford Wedgwood PLC, ... themselves taking on substantial debt to fund their expansion and acquisition efforts ... , Wedgwood and Royal Doulton collectors, both from a buying and selling perspective. It is certain [more...]

Date: 2009-01-05 17:08:48

Currency of Color

Tanner McAuley grew up in a unique environment. His godfather just happened to be Bob Guccione, Penthouse founder and renouned art collector ... with some envious classical looking angels, and accompanied by the phrase “In Debt We Trust.” [more...]

Date: 2008-12-10 19:59:23

Country Music Hall of Fame and Museum Can Keep Iconic Instruments

The Country Music Hall of Fame and Museum is full of what country fans and historians consider priceless ... , which left Robert Waldschmidt as trustee to figure out how to repay McLean’s debt. Worth almost ... no doubt the instruments would have been sold to a private collector and never seen by the public again [more...]

Date: 2009-01-06 17:59:27

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

The Art of Recession

The Art of Recession By Catherine Rampell You might think that an economic recession would be bad news for art collectors ... for bankruptcy protection the previous year while under investigation for hiding $430 million in debt [more...]

Date: 2008-10-19 23:30:43

Strange Phone Number Reporting

Today, I received a call from a bill collector. I proceeded to give them more crap than they bargained for, using my knowledge of debt collection scare tactics (along with the fact that I have no contractural obligation to their company, only the company the debt was owed to and my coffee-fueled distatse [more...]

Date: 2008-11-11 02:35:14

12 Confessions Of A Home Mortgage Collector [Wells Fargo]

A former Wells Fargo Home Mortgage home collector has stepped forth from the shadows to tell you what's really going on ... my own copy of the Fair Debt Collection Practices Act, and even then most people in WFHM ... . Bankruptcy will not forgive a mortgage debt. 4. Fight your bankruptcy fees with a passion! WFHM [more...]

Date: 2008-09-10 16:36:38

Debt Buyer Beware

If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]

Date: 2009-09-29 15:22:37

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

Can debt negotiation organizations be of assistance?

The most rapid and least expensive program to get out of debt besides chapter 7 bankruptcy is to negotiate your credit card debt. There are a plethora of ethical debt settlement companies doing a good job that could aide you in negotiating your accounts down to the lowest amount possible. What they do is reach your collectors and honestly go to battle, looking to have the account look as if paid in full for a sum drastically lower than what was owed before. [more...]

Date: 2009-09-19 19:14:59

Antique Collection

Some people falsely believe that the passion for accumulating a variety of antique treasures in an antique collection is an addiction, such as being a pack rat, but this is not actually true. The truth about going antiquing is that while it may be infectious, it is certainly not a disease and there is nothing wrong with having a passion for going out and looking for your favorite objects, especially since antiquing is a sure fire way for you to improve your mood. [more...]

Date: 2009-09-28 05:09:23

Needs and Wants in Household Budgeting

How much money do you honestly believe that companies are spending on advertising every single year? Sadly, the answer is more than one hundred and fifty billion dollars every single year. The purpose behind all of this spending is to create desire, making us want products and other things that we do not actually need. Needs For many people, the concept of distinguishing between your wants and your needs is capable of becoming problematic when it comes time to budget for the household. [more...]

Date: 2009-09-28 11:21:07

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

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

Avoid scandalous debt collectors

When a creditor wants to get in touch with you, the correct thing you can do isn’t speak to these scumbags whatsoever. All they’re going to do is annoy you to attempt and collect on the account. They’re probably going to tell you many things that aren’t honest. They will try and get you to not pay on whatever else it is you might be paying on like an car loan, water, or even home loan. They will try and convince you that it’s not a bad idea to defer one of those payments. [more...]

Date: 2009-09-28 20:47:31

Avoid scandalous debt collectors

When a creditor wants to get in touch with you, the correct thing you can do isn’t speak to these scumbags whatsoever. All they’re going to do is annoy you to attempt and collect on the account. They’re probably going to tell you many things that aren’t honest. They will try and get you to not pay on whatever else it is you might be paying on like an car loan, water, or even home loan. They will try and convince you that it’s not a bad idea to defer one of those payments. [more...]

Date: 2009-09-28 20:47:31

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

Should Americans Have a Right to Healthcare?

One hears: “Why should I have to pay for healthcare for people who don’t take care of themselves?” Many complaints about extending healthcare access to the uninsured are grounded in the longstanding argument about what role government should have in our lives. [more...]

Date: 2009-09-26 17:58:31

Sidestep talking to blood hungry bill collectors

If a debt collector tries to get in touch with you, the smart thing you can do isn’t talk to these people at all. All they will do is aggravate you to try and get money on the debt. They’re probably going to tell you many things that aren’t the truth. They will try and get you to not pay on whatever else it is you might be paying on such as an automobile loan, power, or even real estate loan. They will try and convince you that it’s okay to defer one of those obligations. [more...]

Date: 2009-09-25 15:02:31

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

Marrying Debt

Most people get married without having done a forensic financial investigation into their partner’s life. Passion can be distracting ... are to accept their meaningful-other’s shortfalls with statements like, “Oh, yes, (s)he has a ton of debt ... to tie the knot. The only way to be on the hook for your partner’s debt is to actually sign [more...]

Date: 2009-01-08 15:18:50

You Sent It: Maxwell + The Bill Collector

Creole Latina submitted these flicks of Maxwell looking mad a little uncomfortable around Unifund majority owner David Rosenberg at ... . Rosenberg: Unifund, with senior partner David Rosenberg at the helm, has a huge potential for growth. Debt ... growing delinquent portfolios. Creditors have found it more cost-effective to sell debt than [more...]

Date: 2008-07-14 22:12:23

Debt Management, Debt Settlement And Debt Consolidation For Dummies

By Michael Redbourn If you've tried different get out of debt systems, and none of them helped, then it may simply be that you owe too much money relative to your income, and that nothing is going to help much except either reducing the interest and fees, or restructuring your debts completely, meaning not just the fees and interest, but getting the lender to reduce the total amount owed, and therein lies the difference between Debt Management and Debt Settlement. [more...]

Date: 2009-09-26 18:02:21

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

Writing Your Debt Collection Dispute Letter

This is the second guest post in a special How to Fight Debt Collectors series on Bargaineering.com. Writing a debt collection dispute letter is the first line of defense against a debt collector. Make them prove that the debt is legitimate before you do anything. Just because they have your name doesn’t mean the debt is legitimate. If you don’t remember it or you remember paying it off, a dispute letter can help you resolve it quickly. [more...]

Date: 2009-09-29 11:01:53

How to Fight Debt Collectors Series

Starting next week, we will be publishing a series of articles in a new feature series called How to Fight Debt Collectors . I’ve tapped the expertise of Craig Cunningham, known as Codename47 on the Fatwallet Forums, who has been a citizen warrior in the fight against debt collectors. If you have a debt collection problem and you post it on the Fatwallet Finance Forums, the first name that everyone recommends you message is Codename47. [more...]

Date: 2009-09-25 16:46:12

Denver Bankruptcy Lawyers Can Quickly Answer All of Your Bankruptcy Questions

There are a lot of questions to be answered when it comes to filing for bankruptcy: which kind should I file – Chapter 7 or Chapter 13?; will I get to keep my home, my car and my belongings?; will the bill collectors stop calling me?; how long will my credit be affected?…  The list can go on and on and if you don’t have the necessary help you may never get the right answers to some of these questions. [more...]

Date: 2009-09-27 13:15:07

November 2008 Financial Status / Net Worth Update

Net Worth Chart 2008 Credit Card Debt If you’re a new reader, let me start out as usual by explaining the credit card debt ... - I am not accumulating more consumer debt. Retirement and Brokerage accounts Well, it’s time to uncover my eyes ... reminds me, I might need to see if I can argue with the tax collector about my property tax appraisal [more...]

Date: 2008-11-03 11:57:45

Libraries are a barrier to reading

So says a fascinating blog post by Donald Clark. Here are a few excerpts, and I suggest you read the whole thing. He makes a lot of sense, especially when he talks about publishers confusing the medium with the content. I must also admit that I’ve had some of the same thoughts about libraries myself. Any rebuttal? [more...]

Date: 2009-01-07 14:59:33

Personal Bankruptcy and Tough Decisions

by Grace Holt Filing for personal bankruptcy in the United States has reached epidemic proportions. The economy is partly to blame ... is a moral decision for many You have been taught to pay what you owe. For many walking away form debt ... to function. Drowning in debt will never produce productive citizens. There is no law that says [more...]

Date: 2009-01-14 09:20:15

too true

via Schneirer: Part of the debtor mentality is a constant, frantically suppressed undercurrent of terror. We have one of the highest debt-to-income ratios in the world, and apparently most of us are two ... in Ireland, by Tana French. Funny that this wholly logical analysis is an old zen idea- that true mastery [more...]

Date: 2009-01-15 23:23:59

Book Review: Killing Sacred Cows

Carnival of Twenty-Something Finances.  Be sure to check it out.  Next week I’ll be hosting the Carnival of Personal Finance ... One Family’s Debt Roundup Posts I found interesting this week. Wenchypoo’s “why we skip ... his ownership of CNN does influence what we perceive as the “economy”. NCN gives us the lowdown on “debt [more...]

Date: 2008-11-21 03:30:56

Pro Bono Project Helping Seniors Keep Their Homes

A pro bono project started by lawyers at Morgan Lewis & Bockius in Washington DC is helping retirees keep homes they own free and clear ... lien, which debt can quickly grow and lead to foreclosure. Here’s what happens: Let’s say they miss ... entitled to collect the outstanding debt, PLUS a surcharge of 5 percent, according to established [more...]

Date: 2008-11-16 15:00:03

In Uncertain Times Innovation Prevails for One Savvy Collection Agency

NEW YORK, N.Y., Oct. 16 (SEND2PRESS NEWSWIRE) -- In response to economic uncertainty, New York based collection agency Williams, Charles & ... card payment offerings used by others in the industry, WCS' collection staff can tailor the WCS ... whether a debt gets paid," Weiss reports. Another feature of the service is that is generates [more...]

Date: 2008-10-16 11:06:59

Iceland’s Collapse: Magical Elves Lose Toyshop; Will Enchant For Food

Global credit crisis or not, I’m sick of reading (and typing) the words “crumbling” and “tumbling”, “freefall” and “meltdown”, and “bottomless pit of despair and agony”. So I’ll start this post by saying that I will use “Reykjavik” as a noun and verb to describe all of these concepts (and a few others) [more...]

Date: 2008-10-23 16:06:47

7 Business Mistakes That Nearly Broke Me… Literally

Over the past 6 years I founded 9 .com companies. Most of the companies failed miserably and lost me a million dollars or so, but luckily a few of them did well enough to cover my loses. The main reason I had a lot of unsuccessful ventures is because I made some really big mistakes [more...]

Date: 2009-01-15 07:37:29

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

Personal Decisons When Filing Personal Bankruptcy

by Grace Holt Unemployment has reached a fourteen-year high. Bankruptcies in Florida are no exception ... walking away form debt becomes a moral decision. This is especially true in the Christian community ... citizens to function. Drowning in debt will never produce productive citizens. Is bankruptcy right [more...]

Date: 2009-01-13 12:14:46

Personal Bankruptcy and Tough Decisions

by Grace Holt Deciding to file bankruptcy is not an easy decision for most people. Bankruptcies in Florida are no exception ... . For many walking away form debt becomes a moral decision. This is especially true in the Christian ... productive citizens to function. Drowning in debt will never produce productive citizens [more...]

Date: 2009-01-13 09:54:24

Personal Bankruptcy and Tough Decisions

by Grace Holt Deciding to file bankruptcy is not an easy decision for most people. Bankruptcies in Florida are no exception ... decision for many You have been taught to pay what you owe. For many walking away form debt becomes ... . Drowning in debt will never produce productive citizens. There is no law that says you cannot pay [more...]

Date: 2009-01-14 09:21:59

Philippine Fair Debt Collection Practices Act

Learning about the U.S. Fair Debt Collection Practices Act from playing the Bad Credit Hotel online game made me wonder if such laws also exist in ... Santiago introduced Senate Bill Number 1277 entitled “An Act Providing For Fair Debt Collection Practices ... : There is abundant evidence of the widespread use of abusinve, deceptive, and unfair debt colle [more...]

Date: 2008-11-26 22:43:50

Money Saving Tip: Check Your Account Statements

Photo courtesy of GoldenEel The other night on the way home I caught a bit of The Clark Howard radio show ... (probably after they sold the debt for pennies on the dollar) and contacted him to work ... to pay the debt off in full.  He faithfully sent along his payments for $500 each month, and at the end [more...]

Date: 2008-11-05 11:00:42

Best Careers for a Recession

The moment that I realized this economic downturn was real was the day that I quit my job to move to Orlando. I thought to myself, “I won’t have a problem finding another job”. Three months later, I’m very aware that the economic downturn is real. I have applied for numerous jobs without receiving any call backs [more...]

Date: 2008-12-27 16:08:52

Massive Surge In Municipal Bankruptcies Coming

John Moorlach, the accountant who predicted the 1994 Orange County bankruptcy sees Up to 10 Municipal Bankruptcies in Coming YearThe accountant who ... the $2.7 trillion U.S. market for state, county and city debt next year as public finances worsen amid ... , Rio Vista, with a population of 8,000, and Isleton, a 10th as large, have said budget gaps and deb [more...]

Date: 2008-12-28 11:20:00

Three Notable Developments Across the Pond

1. Anti-Social Behavior Orders (ASBOs) From the Home Office’s website: Anti-social behaviour orders (ASBOs) are court orders which forbid specific threatening or intimidating actions. An ASBO can ban a person from: threatening, intimidating or disruptive actions spending time with a particular group of friends visiting certain [more...]

Date: 2009-01-05 16:43:52

Hopeful skepticism about the IRS

Yesterday's post about the IRS move toward compassionate tax collection has gotten a lot of people thinking ... and started nagging the IRS to help close the tax gap. So the agency set loose private debt collectors ... that seems to be making the rounds in D.C. and maybe, just maybe, we will get a tax collection agency [more...]

Date: 2009-01-08 03:04:52

Debt collection tactics come under scrutiny

Debt collection firms may face a government crackdown amid concern about the "aggressive" tactics used by some, such as chasing the wrong people and refusing to deal with debt advisory services. Gareth Thomas, the consumer minister, told the Guardian he had summoned the debt collection industry's main trade [more...]

Date: 2008-11-18 00:06:10

Goodbye Cash-out. Hello Debt Settlement. Part 2 of 3

(If you missed Part 1 - you can find it here) If you believe the hype spun by many debt settlement firms, debt settlement sounds like an incredible solution for those consumers with too much consumer debt ... of independent data tracking the success rate of debt settlement efforts - it’s widely believed that most [more...]

Date: 2008-11-19 16:04:43

Art in 2008 - A Review (Part 2)

The City of London from Tate ModernOriginally this post was was going to look at the wider context for blogging art and influence of art blogs in 2008. However when I started to write it soon became apparent that the emphasis needed to switch a more generic assessment of the implications for art in 2009 of changes in the economy [more...]

Date: 2008-12-23 08:00:00

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