Tag: debt

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:

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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...

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...

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....

Credit card interest rates and minimum monthly payments affect how long it will take to pay off your debt and how much your purchase will cost you over time.

Real World Examples Keep Credit Card Use Under Control Security Tips and More...

Fast action is the best way to limit the damage from identity theft. These sample letters and forms can help you exercise your rights as an identity theft victim, like requesting action from the credit reporting companies and businesses where the...

An Identity Theft Report gives you some important rights that can help you recover from the theft. To create one, file a complaint with the FTC and print your Identity Theft Affidavit. Use that to file a police report and create your Identity...

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