When Filing for Bankruptcy Is the Best Course of Action

Published on May 31 2012 // Debt
The last decade has been a financial nightmare for many American families.  Two business downturns, the last being especially severe, and continued outsourcing by companies to stay competitive have taken their economic toll on our entire population, some sectors more harshly than others.  Disposable...

Debt Collection FAQs: A Guide for Consumers

Published on Mar 07 2012 // How To Guide
By the Federal Trade Commission If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices...

Social Profiles a Debt Collectors Dream Come True

Published on Feb 20 2012 // Debt
Social Profiles a Debt Collectors Dream Come True
I raise my hand, guilty as charged; I admit to being addicted to my social networking sites and statistics support I am not alone. According to a recent study conducted by Pew Internet, Social networking sites and our lives the number of people using social networking sites has nearly doubled since 2008. Social...

The Fair Debt Collection Practices Act Primer

Published on Sep 06 2011 // Credit Cards, Debt
The Fair Debt Collection Practices Act Primer
If you are drowning in debt, shark-like behavior on the behalf of collection agencies can be intimidating at its very best. If you feel like fresh chum for predatory creditors keep in mind that even if you owe money, you are entitled to fair and respectful treatment by those who have been dispatched...

What Happens if I can’t Pay my Credit Card Bills

Published on Jun 10 2011 // Credit Cards, Personal Finance
What Happens if I can’t Pay my Credit Card Bills
Failure to pay credit card bills can be very serious, resulting in increased debt, a damaged credit score, and potential lawsuits by credit card debt collectors. If you have a credit card, be sure to budget your finances so you can avoid these side effects of not paying your credit card bills. Late Payments Some...

Getting Motivated to Get Out of Debt

Published on Oct 19 2010 // Loans, Personal Finance
Getting Motivated to Get Out of Debt
Debt is an unfortunate side effect of living in a consumer society that many adults must face, and even more so during a recession. Most of us carry unbelievable debt in loans, whether from college tuition, home ownership, purchasing cars, or a variety of other reasons. In a way, these are acceptable...
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