The first stage of getting out of debt is to work out the size of your problem....to the nearest cent! If you don't know the true extent of your debt, you won't be able to do anything about it.I want you to collect together every statement, account, bill and final reminder that you've got. Add together everything, and I mean EVERYTHING that you owe to other people. This includes, mortgage, rent, utility bills, property tax, the tax...more
It is true that debt settlement can pull you out of obligations very without much hassle. But it is also important to evaluate whether settlement the right choice for you. Many a time, you might not be able to decide which way to go, bankruptcy or settlement. It is a common fix debt consumers find themselves in. The best way to deal with it is to consult a competent debt settlement attorney, who can advise you on the matter.Positives and...more
If you've been contacted by a debt collector, you've probably experienced the feeling of trepidation wash over you. The debt collection road is rocky, rife with pitfalls that can lead to harassment, intimidation, and a downward spiral of your credit score. It's very tempting to avoid all that by coming to a hasty agreement with the debt collector on the other end of the phone line. Yet, there are several important reasons why you should sit back, take a deep breath, and then ask the debt collection agency to validate the debt. What is debt validation? It's a process whereby the debt collection agency proves that you owe the debt. This is important because, by the time third-party debt collectors come calling, they often don't have the documentation to back up their claim that you owe money. Perhaps the original creditor didn't give them the documents, or maybe the debt collection agency has purchased what's called "junk debt," money that the original creditor has written off as a loss and sold for pennies on the dollar. According to the federal Fair Debt Collection Practices Act (FDCPA), within five days of contacting you, a debt collection agency...more
There are different types of light crude oil to buy. They are Saudi light crude oil which originates from Saudi Arabia. Brent crude which comes from North Sea. West Texas intermediate which comes from USA, precisely around the Texas state region. Coming down to Africa, you can find Bonny and Forcados. The standard of this petroleum varies and their...more
Students always have a reputation for wasting college finance money, often beyond their funds. If it's true and you're buried in college debt, there are several steps to get such negative load behind you. Lenders are very happy to lend to college students. Credit cards are obtainable at each turn on campus. Also, students are very happy...more
Being under fire of debt collectors is not a comfortable position. They are probably calling you at all hours of the day and night, harassing relatives, and maybe even calling you at work. Though it may seem that they have no rules, most creditors actually have to act in accordance with the Fair Debt Collection Practices Act.The FDCPA's purpose is to protect consumers from the abusive yet common tactics collectors use and is part of the Consumer Credit Protection Act. It does this by giving consumers the right to dispute abusive collector practices and question the validity of their debt claims.However, these laws only apply to third party creditors, like a debt collection agency. An original creditor (the creditor who you originally incurred the debt with) doesn't have many rules to follow and there isn't much you can do stop them. The FDCPA doesn't protect business loans either.If you are a regular consumer being harassed by a third party creditor, though, you have some rights. Some of the highlights of the FDCPA include:- Collectors can only call at reasonable hours, typically between 8 a.m. and 9 p.m.- If a collector calls you at work and you've made it...more
Fair Debt Collections Practices Act – What It Means For Americans In Debt By: meena jha About the Author Meena Jha,is a lead Financial Trainer and analyst with Financial solutions is an organization that helps overextended...more
Fair Debt Collections Practices Act – How It Effects Lenders And Debtors By: meena jha About the Author Meena Jha,is a lead Financial Trainer and analyst with Financial solutions is an organization that helps overextended...more
Buying your first home is one lifes biggest events. The simple magnitude of the dollars involved and the length of the mortgage commitment can be daunting. And few exercises can be as stressful as looking for and finding the right property. But, once...more
A real estate purchase option is a document that grants the optonee the right to acquire a piece of real property at a fixed price during the term that the real estate purchase option is in effect. During the option period, the owner is prohibited...more
Rental or purchase of the office space Glasgow By: arnaveed About the Author (ArticlesBase SC #3556525) Article Source: http://www.articlesbase.com/ - Rental or purchase of the office space Glasgow more
Recent news stories remind me of an old Sunday Peanuts comic strip. Snoopy is out jogging one day when his knees start to complain about the punishment they are taking from the jog. The feet then chime in about how they are taking the most pounding...more