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Archive for March, 2007

How Do Credit Negotiation Services Get Rid of Debt?

To someone who does not understand the debt relief business and how it works, it can seem puzzling that you can reduce and eliminate your debt without filing for bankruptcy. To many people who are in serious need of debt help, it sounds too good to be true that credit negotiation services can get rid more »

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I have been advised by a lawyer that once debt goes into collection or charge off they cannot call you at work under fdcpa act of 1977 revised in 1995. You have to send a registered letter to advise that you may not receive personal calls at work. There is a 1-800 # to call if a collector persistently calls you at work more than twice a week that is a violation under the fdcpa.

Hello. Well, I am not a lawyer so certainly your lawyer will give you any advice that

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Is there any programs for car financing or negotiation?

Thanks for the question. No, unfortunately a car loan is a debt that is secured by

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How Are Credit Scores Determined?

Yes, the dreaded and mysterious credit score which is a far more important number in our lives than anyone would like to admit. However, few of us understand how are credit scores determined. Truthfully, it matters because it dictates how much we pay for any type of loan we need whether it is short term more »

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Can credit card collectors harass me at work?

Thank You for the question – sorry for the delayed response. Yes, your credit card

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Can I File Bankruptcy?

There are 2 common types of bankruptcy, chapter 7 and chapter 11. The new bankruptcy laws (actually almost 2 years old now) make the common practice of filing chapter 7 bankruptcy much more difficult. Prior to the new laws, for most people who asked “Can I file bankruptcy?”, the answer was a resounding “yes, no more »

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Credit Card Debt Help – Choosing the Best Debt Company

You want to know who’s the best at helping people like you get out of debt providing credit card debt help services? Like any service, “best” really depends on what is right for you. I have researched many debt companies personally and have helped over 15,300 people through this website. There are so many debt more »

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Need Credit Card Relief? Will the High Fees Ever Go Away?

Now more than ever, people are in dire need of credit card relief. Apparently, the mainstream media and subsequently, our Federal government, is starting to turn up the heat on the credit card companies. The new movie called Maxed Out has brought the high rates and fees that the industry charges to the political forefront more »

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Given the fact that several thousands of dollars will first go to their fees (cont…)

…do you really feel this is the smartest thing to do? As opposed to using that money to

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How Do I Stop Annoying Debt Collections Calls?

This is one of the most hated parts about having a debt problem, debt collection calls. As if it is not already bad enough, now you have debt collectors calling you daily and harrassing you constantly. The credit card companies will call you once you fall behind on your payments and then after a period more »

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Tricky Credit Card Debt Secrets – The Universal Default Clause

Do you know what that is? Neither did I until recently. The universal default clause is another secret of the credit card companies that the quietly enacted by including it in the fine print of your credit card agreement that allows credit card companies to increase your interest rates on your card if you make more »

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Free Debt Advice Is Everywhere – Who Can You Trust for Real Credit-Debt Solutions?

We’ve all seen the TV ads and heard the radio spots telling us Company XYZ can solve all our credit card debt problems. There are so many companies screaming at you claiming free debt advice and providing credit/debt solutions with phrases like “consolidate”, “negotiate”, “settle”, “counseling”, “management” and on and on it goes. They all more »

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“I Need Debt Help”? – Here Are Your 3 Debt Relief Options

There are a lot of people out there shouting this at the top of their lungs. Let’s face it, this country and more specifically, we who live here, have lots of debt and many of us need debt help but what are our debt relief options? We are a nation of consumers and we are more »

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3 Ways to Consolidate Consumer Credit for Help With Debt

Unsecured debts (especially credit card debt) got you down? Looking to consolidate your consumer credit as a means of getting help with debt? Yes, it’s true, the winding tunnel of debt seems to get deeper and deeper due to late fees, high interest rates, and assorted penalties (the credit card companies are great at coming more »

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Looking For Credit Settlement? 3 Questions You Must Ask!

Do a search for “debt settlement” or “credit settlement” in almost any search engine and you will find a plethora of eager companies listed all vying to make you debt free. However, you will see that most of these listings are in the sponsored section of the search engine results (meaning they are paid ads.) more »

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What is a Credit Score?

Your credit score is a grade just like you got back in high school. It is a way for people who do not know you, your debt amount, your ability to repay a loan, or any other details about your financial health to gauge your creditworthiness. It tells them through one simple number, how likely more »

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How Can I Fix My Bad Credit?

Your credit score is an important barometer of your ability to repay bills in the eyes of those who are considering loaning you money. The loan can be for a home, a car, or even a credit card (which is really a short term loan after all). All of these people will check your credit more »

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