Tag: debt

If you owe back taxes, you may be tempted to turn to companies that claim they can reduce or eliminate your tax debts and stop back-tax collection by applying for IRS hardship programs. The truth is that most people don’t qualify for the programs...

If you’re behind in paying your bills, you may be contacted by a debt collector — someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy...

According to the Consumer Services Protection Commission’s website, it’s a “National consumer protection agency and works For the Consumer to help avoid fraud, deception, and/or unfair business practices in the financial assistance marketplace...

You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:

“...

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You’re not alone. Many people face a financial crisis at some...

Living paycheck to paycheck? Worried about debt collectors? Can't seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may be considering the services of a credit counselor.

Most reputable...

If you've maxed out your credit cards and are getting deeper in debt, chances are you're feeling overwhelmed. How are you ever going to pay down the debt? Now imagine hearing about a company that promises to reduce – or even erase – your debt for...

"There is currently money available NOW right here in your area, to help pay your bills."

"NO lines, NO waiting, NO credit needed. This is YOUR money and will be sent back to the federal government if not used in your area."

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If you're behind on payments, you'll probably be hearing from debt collectors. Federal law gives you certain rights in dealing with debt collectors. It's important to understand those rights when communicating with them.

If you plan to file for bankruptcy protection, you must get credit counseling from a government-approved organization within 180 days before you file. You also have to complete a debtor education course before your debts can be discharged....

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