If you have a dispute over a creditor charge and you are not getting anywhere over the phone, you may need to send the creditor a dispute letter in writing. You have the right to dispute a charge in the Fair Debt Collection Act. Be sure to keep a record of all correspondence. You want to keep a paper trail of when you sent in your documentation just in case they want to give you a hard time about it.
Try To Resolve A Dispute Over The Phone First Before Legal Action Continue Reading »
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Posted in Credit Card Articles
When paying off collections accounts you need to be careful when sending in less money than what you owe to satisfy a debt. A creditor may come back later and want to get more money out of you. You need to get a release for the deficiency of the debt owed. You do not want a creditor coming back later to try and collect more money from you.
If You Settle A Debt For Less Than What You Owe Get A Release Continue Reading »
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Posted in Credit Restoration Articles
How do I know if I should do debt settlement or debt mediation? Financial troubles are now facing millions of Americans due to the credit crisis. Many Americans will have to make hard decisions about their personal debt. Unfortunately there are not many great choices you can make when you are in debt. You can choose from debt consolidation, cccs, debt settlement, debt negotiation, consumer credit counseling or bankruptcy. Each choice has its advantages or disadvantages.
Is debt consolidation like doing a chapter 13 bankruptcy? Continue Reading »
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Posted in Debt Settlement Articles
