FTC‘s Regulation for Debt Settlement Companies: What's next for Debt Settlement Companies?FTC's new debt settlement rules take effect Oct. 27, 2010, and cover telemarketing by for-profit debt settlement services, credit counseling services and debt negotiation companies as well as companies falsely claiming to have nonprofit status. A for-profit company selling its services via the telephone may not charge customers fees until it...more
If you have embarked your debt elimination program you should be congratulated. Regardless of whether you have chosen debt settlement, debt consolidation or a pay down plan, its is an significant first step towards being debt free. It is only the start and these debt elimination programs play an critical role in permitting you to get a new start financially. These debt elimination programs will either bring debt down to level were you can the...more
On hearing the word free, many people immediately close their ears to what comes next and jump on the offer made. When you are searching for a way to get out of a lot of debt, it pays to avoid your old habits and look deeper into a matter when the word free is uttered. One way to go about this is to find out exactly what is free in the offer. Those opting for debt counselling services, for example, should keep in mind that no service is ever free. Instead, it is some of the aspects of the process that are free. One example is the idea of the free debt consolidation quote.These quotes often come about in the process of consumer debt counseling. One of the first steps in this process is research, and a quick look on the Internet will demonstrate that there are plenty of companies offering free quotes. Because of the abundance, it is advisable to apply for a few of these to make sure that you can find the best deal. Remember that if the search is registered and forwarded to your credit card that you might recieve a mark on your credit history, so you will want to apply to discrete companies and possibly limit the number you apply for if you have a poor credit history.IN...more
(Note: this is not to be considered legal advice, and it is dealing with the hypothetical "average" elderly and/or disabled person. Each case is unique and to determine the legal ramifications of your individual scenario you should consult an attorney.)Debt settlement, also known as debt negotiation or debt reduction, is a relatively...more
Debt settlement has become an extremely popular alternative to bankruptcy in recent years, and ads for debt settlement firms seem to pop up everywhere. So, if you're looking for a reliable and ethical debt settlement company to represent you regarding your overwhelming debt burden, where do you go?The Internet is a great place to...more
When a person gets really behind on their bill payments it may seem as though every five minutes someone is calling and asking for money. In many cases, explaining the circumstances that caused the person to be behind in payments and asking for suggestions on how to keep up on payments will be enough information to satisfy these callers. Many debt settlement companies are willing to work with the debtor to see what can be done to satisfy this debt, but not all of them feel the same way. Some get tougher and feel if they intimidate a person they will send a payment sooner. Some bill collectors go to great lengths to live up to their reputation, in spite of consumer protection laws that are meant to protect people against hostile action.While creditors have the right to attempt contact on past due bills, they cannot harass anyone for non-payment. According to the law, using foul language or calling constantly with the intent to annoy the debtor into making payments is considered harassment. Creditors cannot be calling at odd hours or calling work, after they have been advised not to do so or calling friends and family members without permission is also considered...more
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A purchased life annuity is one that you buy from your own funds and not from a pension fund.This money could be currently on deposit in the bank or in a building society, it could be the proceeds from a recent house sale or it could be money you...more
Organza is a special mixed kind of fabric made of synthetic yarns or a fusion of cotton and silk. It has different typical uses like making fancy evening wear and floral wedding gowns. Sometimes this fabric is widely used for dress...more
When a company has delivered goods and/or services to another company or the government, it is a stand alone as well as accumulative as an asset. Often a company will overlook the fact that accounts receivable are assets. Accounts receivable can a...more
When your debts begin to accumulate then you may want to consider bad debt consolidation in order to get yourself out of trouble. When you are consolidating your debts there are certainly a number of things that you need to think about. As such,...more
Not a day goes by that I don't hear an advertisement on the radio for one of these companies advertising their services. They make what they have to offer sound so appealing. All you have to do is call them and your debt will magically go away. But...more