If ever an industry knows how to kick consumers when they're down, it's the debt collection industry. With rampant unemployment, plummeting housing values, and an increasing number of Americans simply trying to put food on the table, more people than ever before find themselves being hounded by debt collection agencies. At the same time, debt collectors are turning up the heat, often with a "take no prisoners" attitude. When you're struggling,...more
Stopping the Debt Collector has never been easier than you ever thought possible. While most debt collection specialists try to stay within the boundaries defined by the Federal Fair Debt Collection Practices Act FDCPA, many others cross the line on a recurring basis. A description of your rights under The Fair Debt Collection Practices Act may be provided directly from the FTC, but unfortunately there are a great number of other...more
Recent studies have shown the average American is about $10,000 in debt. Because of this, many people are looking for ways to consolidate their debts. It is not always an easy task to find ways to get your debt consolidated, but it is possible. Often, it can be important to consolidate debts because doing so can help your financial future become a bit brighter. It also helps you in short-term financial ways as well. The following are a few tips that can help you consolidate your debts to help improve your financial picture.Tip#1 Seek Lower Interest Credit CardsIf you have debt that is on high interest credit cards, you may want to consider consolidating those debts onto low interest credit cards. There are various credit cards where you can transfer the high interest balance to one card. These cards offer low interest rates and some that even offer zero percent interest for a selected portion of time. Why keep paying those higher interest rates. You can get a lower interest credit card and save yourself much money each year.Tip#2 Use the Equity in Your HomeOne avenue for consolidating debts that many people forget is using the equity that they have in their home. If...more
Perpetual Calendar Watch is famous for the beauty of sophisticated time and the grace of unmatched handicraft. Its complicated process and exquisite design highlight the sagacity, dignity, erudition of its owner. So the price is beyond salaried persons receptivity. There is no doubt a high quality perpetual calendar watch must be the first choice...more
One of the biggest violations debt collectors commit during their aggressive debt collections is to lie over the phone. There are many lies that the debt collectors speak over the phone. They do not disclose their names while trying to collect from you. Sometimes they give you a false identities.Under the Fair Debt Collection...more
Especially in these challenging economic times, it is becoming more and more difficult for businesses to collect on all the debts that are owed them. The first instinct of such businesses is likely to call a debt collector. Sadly, a business is likely to pay a debt collector 40-60% of the amount owed on the debt – if the debt is even collected. Such numbers do not add up to good business.Rather than chasing debt which may or may not be collectible, consider trying to get what is owed to you by barter. Every company has something to offer in trade, and most would be willing (and happy!) to trade you their services in exchange for the money they owe you. In order to try to recover your debt this way, though, make sure you follow a proper procedure. First, open an account with a trade exchange. It will be the trade exchange which will open up a dialogue with the company who owes you a debt, explaining your proposition – settling the debt owed for an exchange of services. The trade broker will help them explore ideas to help them find something to trade. Next the trade broker will sell their products and pay you in barter credits. This method can easily...more
Personal debt is something that is, generally, quite easy to get into. National statistics show that, in combined personal debt, the UK is almost 1.5bn in the red.With the recession bringing about many more job losses and pay cuts, people often turn...more
With your cooperation, I want to get an advanced copy of this ground breaking book in your hands as soon as possible. And under a very special arrangement, you'll be among the first people to ever use the "inside" information it...more
In difficult times of recession people rethink the mistakes they have done by not protecting their savings. They consider making some smart investments to save what they have and even increase their wealth in time. Thus, they turn to specialists who...more
Today there are millions of foreclosed homes on the market. If you are living in Georgia and are wanting to own a home of your own, Georgia Foreclosures may be the way to find a home that you can afford to buy.While many people have seen their credit...more
The pool or billiard table has become a staple of many American rec rooms. As with any major purchase it would behoove the consumer to become well informed about the product one is preparing to acquire. A billiards table is an investment that should...more
Bad debt advice can lead to an already difficult situation spiralling out of control.The problem is that there is currently no regulation of how debt advisors work or what advice they offer in the UK. Many websites often mislead...more