Read this before you tell a debt collector not to contact you again! You may have heard that a cease and desist letter is a good way to get a debt collector off your back. It can be. However, before you send one we have some important warnings. What is a cease and desist letter? Under […]
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Truck and Car Repossessions Are Up. How Do You Protect Yourself? If you have fallen behind on your auto loan, it’s important to understand how car repossession laws may help. After all, having your car repossessed could be disastrous to your finances, especially if you need your vehicle to get to and from your job.
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Collection accounts can hurt your credit scores for a long time. If you have collection accounts on your credit reports, you may be wondering, “Can credit repair remove collections from credit reports?” The short answer is, “maybe.” Here we’ll explain several options for getting collections off your credit. But first, you need to understand how
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California debt collection law provides consumers with additional protections when they are dealing with debt collectors. Abusive collectors are an increasing problem in the U.S and are a leading cause of complaints filed with the Federal Trade Commission. Common complaints include harassment by debt collectors who call consumers repeatedly and/or use threatening or profane language,
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If you’re a small business owner, it may seem like every day brings new challenges. One of the biggest is managing cash flow and loans. If your business is new in the market, you may not realize how important this is until you start growing and expanding. For example, let’s say that your business is investing in
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Some links on this site are for services for which we may earn a commission. This helps us keep the information on this site free. Also keep in mind this information is educational, and is not a substitute for legal advice. Being sued for a debt can be terrifying. But did you know that the
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Will I lose everything if I file for bankruptcy? No, you will not lose everything if you file for bankruptcy. Bankruptcy exemptions help protect at least some property. The Founding Fathers did not envision bankruptcy as a punishment for owing more debt than you can afford to pay. They understood that good people can go
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Talking with a bankruptcy attorney can be extremely helpful if you are dealing with debt collectors. An attorney can answer some of those “what if” questions that are probably keeping you up at night. You know, questions like: We’ve found that many of our readers have waited too long to get legal advice, and made costly mistakes
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…And How to Fight Back Falling behind on bills is stressful. But when a bad debt collector breaks the law and is abusive or harasses you, things can quickly go from bad to worse. A strong federal law, the Fair Debt Collection Practices Act (FDCPA), protects consumers against unfair, deceptive and abusive debt collection tactics.
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All information is for educational purposes only. Did you see a WAGE ATT 1 via UPS on your paycheck and wonder why funds are being taken? Wage garnishment can be debilitating, especially if you are already living check to check. What happens if you find your wages garnished without notice? In most cases, your employer
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