A pressing need to make money and that too quick money often makes people devise unethical plans that assist in earning money. Third party debt collectors are such people who devise ways and means to make fats money. In the process they resort to methods that are totally unacceptable and end up as law breakers.If you get calls from debt collectors, it means you are more than six months due on your payment. There may be good collectors who may...more
If you have decking installed in your garden and it has been there for a number of years you will no doubt be fully aware of the maintenance that goes with it. If you don't take time to maintain the decking you will find that it won't last more than a few years due to the adverse weather conditions that are experienced over the years.Considering the cost involved with decking it is somewhat surprising that people don't take more...more
Stress and annoyance become you when you are a victim of debt collection harassment. You could become irritable and nervous to take phone calls expecting the calls to be from debt collectors. Original creditors can call you to collect the payments for debts owed by you. However, creditors do not pursue beyond a few calls and letters. They sell unpaid debts as delinquent debts to collection agencies known as the third party debt collectors for a pittance. These third party debt collectors try to extract as much money as possible by following whatever tactics they can for this. Third party collectors are not employed by the creditors to collect money from you and hence are governed by the Federal Trade Commission (FTC) in enforcing the Fair Debt Collection Practices Act (FDCPA). The FDCPA regulates debt collection practices to ensure fair collection. Third party debt collectors resort to nagging you by calling repeatedly to get the payment from you. This constitutes one of the violations under the FDCPA. Debt collectors can call you and request you for a payment. But calling before 8 am in the morning and after 9 pm in the evening is a violation. Along with the calls if the debt...more
The Offer in Compromise (OIC) program in the United States is an Internal Revenue Service (IRS) program that represents an agreement between the taxpayer and the IRS that settles the taxpayer's liabilities for less than the amount owed. You, usually use the checklist in the Form 656 to determine if you are eligible for this program. If you believe...more
There are many debt reduction solutions, but not all are created equal nor do all give the same level of benefits. When seeking solutions it's always best to find ones that fit your circumstances. In this article I'll present the two solutions that work best for people in most circumstances. After reading you'll have a clearer sense...more
The recession has left many consumers in a bad financial situation. It is hard to keep up with your payments when you lost your job for no particular reason or if you get paid much less but you work more. When you get a loan, you agree with the interest rates and the penalties but most consumers don't even consider the effects of what might happen and how their loan can turn into a debt which will never seem to disappear. If you start being late with the payments or missing them altogether, you will suffer penalties which will make it harder for you to pay the next month and so on. Your debt will gradually grow each month as you struggle to keep it under control and you will soon notice that it is unaffordable and that you need help.Debt settlement can be used by consumers that have suffered from the recession and are now in deep unsecured debt of more than 10.000 dollars. This can allow you to get a deal of more than 50% off and you will just have to worry about the rest. The government is looking over this industry and it makes it more consumer friendly with the help of new laws that not only prevent scams but also ensure better settlement deals.The newest law...more
Debt settlement is everywhere and you might have heard about it from a friend at work, read about it in the newspaper or saw one of the many articles about it on the internet. It has become very popular since the recession and although...more
Debt settlement attorneys can really be used for a number of reasons to be able to get out of debt. These are attorneys that work hard to be able to assist you in making your debts more affordable and being able to pay them off quicker as well....more
If you are looking to settle your debt for less, you should know that there are ways to do it and also save money. Here are some things which you should consider when looking to settle your debt.First of all, you will need to stop...more
Knowing how to choose a debt settlement company is absolutely essential in getting rid of a huge debt burden. Choosing the wrong company could get you in even further debt than you already are. In this short article, I'll reveal what...more
Debt settlement benefits can be so tough to find nowadays. And in these very tough economic times, it's tempting to bury your head in the sand and hope that your debt problems will go away. Believe me, I have done that many times but...more
Debt problems exist all around the map and most families find themselves struggling over one thing or another at some point in time, it is a sad but very true problem going on in the world. Debt can be and is very bothersome, so for anyone out there...more