If you've been getting nagging phone calls about paying past due bills, then you should read these tips for how to negotiate with collection agencies, creditors, and debt collectors. You'll learn how to prepare yourself, which debts to negotiate first, and proven negotiating rules. This information will help you to become a stronger and more … [Read more...]
All debt collection agencies know that they must follow the rules specified in the Fair Debt Collection Practices Act (FDCPA). It's the law. And in many areas it's quite clear. Take a look at this list to see if your collector is skirting any debt collection laws. 1. Calling you during disallowed hours of the day - The rules state that … [Read more...]
If your debt is piling up and you just don't feel there's a way to get from under it, then filing for bankruptcy is one possible solution. But the big question is should you do it or seek out another alternative? In this article, you'll learn about the two basic types of bankruptcy, other options, and what will happen if you decide to … [Read more...]
If you're thinking about filing for bankruptcy, then it would be wise to know what all it can and can't do for you. Yes, it can keep most of the wolves off your doorstep. But it's not a cure-all. Here are some of the key benefits and limitations to filing for bankruptcy. What Bankruptcy Can Do Stop your wages from being garnished - If a … [Read more...]
When you're considering consolidating debt, it means that you're attempting to lump all of your debts together in order to make one payment to creditors. It's not for everyone, especially if your debts are deep and severe. But if handled correctly, it can be a great way to pay off creditors faster and save money. In this artlcle, you'll learn … [Read more...]
If you want to know how to interact with difficult debt collectors, this information is for you. In this article, you'll learn what powers debt collectors have, what to say to them on the phone, and how to negotiate with them. After reading this information, you'll discover that debt collectors are more like paper tigers than fire breathing … [Read more...]
If you're currently being harassed by arrogant and obnoxious debt collectors, then you need to keep reading so that you can protect yourself and avoid becoming a victim. In this article, you'll learn how to fight debt collectors and win. You'll get the scoop on how they operate, the law that governs them, how they find you, how to get them to … [Read more...]
If you need money fast, there are a variety of borrowing options. But below are six types of loans that you should stay far away from. All of them come with very high interest rates and fees, and some of them can even harm to your credit. Payday Loans You may also hear these loans referred to as cash advance loans or check advance loans. The idea … [Read more...]
Have you ever the heard the funny joke about how a nuclear bomb could explode on your town, and everything would die except for the rats and cockroaches? Of course, the point is that they are virtually indestructible. Well, in the world of money and personal finance, federal student loan debt is like the cockroach that can't be destroyed. You … [Read more...]
If you're seeking debt relief help, here's some important information you need to know about this particular industry. In this article, I'm going to point out some of the debt relief scams that are taking place in the credit repair, debt settlement, and debt consolidation areas. After reading this article, you'll know what to do to ensure that you … [Read more...]
When you obtain your credit reports, they will probably confirm what you already know about your finances. You may see large outstanding balances that seem insurmountable. The monthly payments may exceed your take home pay. So what can you do when you’re drowning, but don’t want to deal with the long term effects of bankruptcy? White … [Read more...]
You will eventually find that your household budgeting program will free up extra cash. Hooray!! If it were me, I would use that money to pay off debts. As I mentioned at the beginning of this mini-course, your goal is to get your total debt (excluding your home mortgage) below 50% of your total annual gross income. White Wealth Belt … [Read more...]
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