Why You Need To Be Knowledgeable About Your Credit
Posted March 5, 2010 – 2:14 pm in: Personal FinanceA wise consumer will get a copy of their up-to-date credit report prior to making any major purchase that involves financing. The reason for this is that a credit report and score can make or break your purchase and most credit reports do include mistakes. The problem is that most individuals are uninformed of the invalid credit on their credit report and they end up receiving an unwelcome blow.
No Comments | Tags: Credit, credit cards, credit repair, credit score, debt, financeHow to Negotiate Debt?
Posted February 11, 2010 – 3:20 pm in: Personal FinanceFinding debt relief through debt negotiation can seem very appealing at the outset. However, before deciding on this option, it is important to understand the pros and cons of the process of negotiating credit card debt.
No Comments | Tags: credit card debt negotiations, debt, debt negotiation, debt settlement, finances, Personal FinanceClearing A Mortgage Early By Using Offset Mortgages
Posted February 2, 2010 – 10:44 pm in: LoansKnocking off a few months on your mortgage, or even a year or more, usually isn’t possible if you have already exhausted your budget in order to pay off your mortgage. But some types of mortgages seek to gain you a return based on your savings- something the offset mortgage is famous for.
1 Comment | Tags: business, debt, finance, home, loan, Loans, offset mortgageConsolidating All Of Your Debts With A Single Mortgage
Posted January 24, 2010 – 7:57 am in: Debt ConsolidationHaving more than one credit card or line of credit will be burdensome once the debt starts accumulating. In fact, it can lead to confusion and errors that those in debt need not make if they are to recover from a hole they may of dug in their finances. Debt consolidation is a simple solution to such a confusing scenario.
No Comments | Tags: advice, business, debt, debt advice, finance, loan, Loans, moneyWhat is good letter to write to collection Agency if they didn’t verify a debt?
Posted January 15, 2010 – 7:46 am in: Personal FinanceI sent a letter to debt collection agency to validate a debt they have on me. I sent the letter certified mail and got a reciept. It has been more than 30 days since they got the letter. Should I send a followup letter, or repor them to the FTC and BBB for putting a [...]
3 Comments | Tags: agency, collection, debt, didn't, good, letter, They, verify, writeWhat are the requirements for me to open my own debt collection agency in California?
Posted January 13, 2010 – 11:10 pm in: Personal FinanceWhat are the requirements for me to open my own debt collection company in California? Are there any laws or licensing requirements? I know I will be subject to the fdcpa, but any licenses i must get first?
1 Comment | Tags: agency, california, collection, debt, open, requirementsIs it advisable to use a debt collection agency? How effective are they?
Posted January 12, 2010 – 1:49 pm in: Personal FinanceI want to collect a substantial amount from my Judgment debtor. Can a debt collection agent assist reliably in this regard? Can you please recommend some to me? I do understand that they don’t come cheap, though some offer free services so far they get a commission.
1 Comment | Tags: advisable, agency, collection, debt, effective, TheyHow do I get a debt collection agency that has the wrong number to stop calling me?
Posted January 11, 2010 – 4:50 am in: Personal FinanceSome debt collection agency in Georgia keeps harassing me, looking for somebody named Sarah at my phone number. I do not know a Sarah. They have the wrong number. I have told them multiple times that they have the wrong number, but they keep calling me (obviously they think that I’m lying). How do I [...]
5 Comments | Tags: agency, calling, collection, debt, number, stop, wrongHow do you get a court to garnish wages for debt collection?
Posted January 9, 2010 – 7:47 pm in: Personal FinanceI have a judgment against an individual and his company for close to $10K. I know that his company is still solvent, yet few debt collection agencies could be found in my area (Lehigh Valley, PA). Is there a way to have the court garnish wages to collect debt?
3 Comments | Tags: collection, court, debt, garnish, wagesIf I respond to a debt collection agency does this start the Statue of Limitations all over again?
Posted January 8, 2010 – 10:52 am in: Personal FinanceI live in Texas and I am being hounded by a debt collection agency. I do own this debt, but I have not responded to their endless phone calls and text messages. I was told the minute I have any contact with the debt collector this will “Restart the Statute Of Limitations” and this [...]
5 Comments | Tags: again, agency, collection, debt, limitations, over, respond, start, statue, thisWhat can I do about debt collection letters wrongly sent to me?
Posted January 7, 2010 – 1:55 am in: Personal FinanceI keep letters from collection agencys trying to get me to pay debts that are not mine. Is there any way to stop them or maybe charge them for the harassment. Each time it is always the wrong social security number,not mine.I cant believe that it is legal to send people a bill for [...]
4 Comments | Tags: about, collection, debt, letters, sent, wronglyDebt collection?
Posted January 5, 2010 – 4:47 pm in: Personal FinanceIs it against the Federal Debt Collection Act for a debt collector to call 7 times a day? Even if its on a dialer phone?
I need help in this matter because It’s getting annoying. I feel like I’m be harrassed.
Please be serious in this matter.
Credit Card Debt Consolidation Loans: Understanding the Basics
Posted January 5, 2010 – 11:04 am in: Debt ConsolidationCredit card debt is affecting many people today, especially because of the recession. If your one of these people, you may want to learn more about credit card debt consolidation loans. Although many people don?t know that they exist or what they are for, these types of loans can help you get of the rut you may be stuck in.
No Comments | Tags: Bad Debt, credit cards, debt, Debt Consolidation, Loans, money management, Personal FinanceReasons to Consider Filing Chapter Thirteen to Stop FOreclosure
Posted December 23, 2009 – 6:36 am in: MortgageFiling for bankruptcy can sometimes be an effective way to stop foreclosure. The type of bankruptcy you need to file if you want to have any chance at saving your home is chapter thirteen bankruptcy reorganization. This is the only type of bankruptcy that will allow you to keep your home. Filing for bankruptcy under chapter seven will only discharge your debts, not let you reorganize them.
No Comments | Tags: Chapter 13, chapter thirteen bankruptcy, debt, finance, foreclosure, Loans, Mortgage, Personal Finance, real estateHow can I get a debtor to remove a settled debt off credit report?
Posted December 18, 2009 – 10:07 pm in: Personal FinanceI filed my taxes today and included a 1099c form for a credit card debt of $10,107. Now that this debt is paid, how can I get the credit card company to remove this from my credit report so my credit score can go up. All of my bills are paid on time and [...]
5 Comments | Tags: Credit, debt, debtor, remove, report, settled