In the form sample we covered your rights against harassment and censure alongside collectors. We also covered some options that your creditor may demand to stop you resolve your unpaid debt. Again I reprise that this is not judicial advice but a guideline of your rights and options.
Before we begin I would like to divide [...]
The Credit Repair Equation
Although credit cards may be what land the most people in credit trouble, they're also the best tool for credit repair. If you find yourself faced with mounting debts and worsening credit, the most important things you can do are always paying your minimum credit card bills, and not exceeding your card's [...]
Credit Cards - Can You Really Live Without Them?
In 2007, having a credit card is no longer a luxury or even a convenience - it's a necessity. You can't rent a car, check into a motel, or order online without a credit card. If you want a cell phone, you'll probably have to purchase prepaid [...]
If you're a college student, chances are you've been offered more than a few credit cards. Maybe you have a friend who has already run up credit card bills on par with her student debt, and so you've steered clear of the credit card offers. Or maybe you're one of the few who have received [...]
In the last section we covered your rights against harassment and abuse by collectors. We also covered some options that your creditor may have to help you resolve your delinquent debt. Again I repeat that this is not legal advice but a guideline of your rights and options.
Before we begin I would like to share [...]
So you are getting collection calls? You’re desk is full of unpaid bills. You dread answering the phone. You are having trouble sleeping at night because you are worrying about a bunch of bills. You feel depressed.
Does any of this sound familiar? If it does then, maybe this article can help you. First of all [...]
Bankruptcy is a situation in which someone who owes money will seek relief from their debts by going to court. Though bankruptcy can be good in some situations, it may not always be necessary. Just because you are in a financial strain does not mean you should immediately file for bankruptcy. There are some things [...]
Bad Credit? Lose The Shame, Take Responsibility, and Begin Rebuilding
According to the research firm Sherbrooke and Associates, 43 percent of American households are "credit constrained." This is probably because they carry too much current debt, or they were forced into making poor choices with their credit in the past. With interest rates rising and the [...]
