Hundreds of thousands of consumers around the country are going about their daily lives, unaware that a debt collection agency has gone to court and obtained a legal judgment against them. This judgment can lead to garnished wages, frozen bank accounts, and repossessed vehicles - all of which can catch consumers off guard. How and why is this happening? It's happening because third-party debt collectors are increasingly bypassing traditional...more
To accumulate more than enough money for your golden years, you need to eliminate retirement debt first. Although this effort may seem almost impossible for those who have large amounts of money owed to banks, their credit card companies, or other lenders, it can be made more manageable if you start prioritizing saving up money for retirement and investing. Here are a few things you can do to clear up debt or cut it down to size before you quit...more
The Fair Debt Collection Practices Act (FDCPA) is a federal statute established to ensure fair debt collection practices. This act is enforced by the Federal Trade Commission (FTC) and private litigants. While the FDCPA is a federal statute, every state in our country has its own debt collection laws. Debt collection harassment cases or complaints are dealt by taking state laws into account.Florida Fair Debt Collection Practices Act 559.552 Relationship of state and federal law. Nothing in this part shall be construed to limit or restrict the continued applicability of the federal Fair Debt Collection Practices Act to consumer collection practices in this state. This part is in addition to the requirements and regulations of the federal act. In the event of any inconsistency between any provision of this part and any provision of the federal act, the provision which is more protective of the consumer or debtor shall prevail.Per Florida debt collection laws, a consumer collection agency shall not operate in the state without registering with the Florida Fair Debt Collection Practices Act (FFDCA). To be in existence, all consumer collection agencies must register and renew their...more
Swimwear Sale - the Best Place to Purchase Swimwear at Discounted Prices Swimwear sale is for all the ladies planning to buy designer swimwear at discounted prices and that would make them look like Cameron Diaz or Jennifer Anderson. Swimwear sale helps you pick the right swimsuit that best defines your flawless figure and the curves of your...more
We need sweaters coats, jackets and accessories to protect ourselves from winter. Many branded yarns are available in the market such as Chunky yarn. It is found that this yarn is perfect for sweaters and jackets which is made by using large needles. The chunky yarns are colorful, thick and qualitative, and stands upto the expectations of the...more
Advice on debt in the UK The hardest bit about having a debt problem is admitting to it in the first place. The most important bit is knowing what to do about it.With so many IVA, debt management and debt consolidation companies advertising on daytime TV, in the back of newspapers and online, it's difficult to know which solution is the right one for you.The truth is that it depends on a number of factors, including how much you owe, how much you have available each month to offer to your creditors, whether you have any assets to protect and what you do for a living.The first thing you need to do is decide whether you have a money management problem (this is where you do have sufficient income to meet your credit commitments but you spend too much on non-essential items) or a debt problem (this is where you do not have sufficient income to cover both your essential expenditure, things like food, utilities, rent and travel, and your credit commitments), as tackling each require a fundamentally different approach.Money management requires advice on how to budget and control your spending more effectively, whilst a debt problem requires a intervention of a trained debt...more
How do I get out of Financial Debt? How Do I Get Out Of Financial debt?It's a question we've all asked ourselves; any person who's ever owned a credit history credit card, taken out a student mortgage, financed a vehicle, or paid for a...more
Grab The Bull By The Horns When It Comes To Debt Consiodation This is now well into Autumn and it will soon be the festive season.This is a happy time when people feel that they can really relax and spend quality time with their family and...more
You may have surely heard that the real estate market is nowadays a bit high but then it still a very good time for buying condominium in case you have funds to invest. In case you shop for St Augustine beach condos you can find good ones at great...more
More and more people find themselves buried under a mountain of personal debt with no idea how they got there and no idea how to get out. The first and foremost thing most people do is lie to themselves about their debt problems. But unfortunately,...more
Five Easy Ways to Live a Debt-Free Life Everyone loves the feeling of living without worrying about debt. Don't you hate it when you have to think about how you can pay your car loans, credit cards, mortgage, and other personal loans every...more
Take More Debt to Eliminate Debt Millions of people are living every day, pressured with being under a lot of debt. All of us would love to be debt-free, but most of us do not know how to do it. This article will show you a simple way on how...more