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6 Important Things You Need to Know About Debt Collectors
If you are getting calls and letters from debt collectors and want to resolve the debt, you need a plan. Your first priority should be developing a strategy that makes sense for you financially. You...
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Is Debt Collection About to Become Fairer?
Billions of dollars of debts go unpaid every year. This fact is not surprising. But what may surprise you is that the majority of bills that go several months late will never get paid, and there is a...
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How to Figure Out Who Your Debt Collector Is
If you have ever been unable to keep up payments on your debt, you know that creditors make calls and send collection notices, and often for many months. Those constant reminders of your late payment...
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Why It Pays to Know Your Debt Collector
If you have ever fallen behind on your bills, you know what it means to be hounded by debt collectors. The constant barrage of late notices and collector phone calls can blend together into one big...
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10 Common Credit Questions for Debt Collectors
Many of us recovering from a financial setback in which bills went unpaid for an extended period of time wind up with accounts in collections. There are different approaches you can take to solve debt...
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A New Debt Collection Law: What It Means for You
Companies that purchase charged off consumer debts owed by California residents will have some new and stricter guidelines to follow starting on Jan. 1, 2014. The changes are outlined in California’s...
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4 Ways Debt Collectors Get You to Pay
Nobody likes a debt collector. But debt collectors, and the companies they work for, serve a legitimate purpose in our economy. Have debt collectors used harassing, and illegal tactics? Absolutely,...
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3 Things You Need When Negotiating With a Debt Collector
So you’re looking to negotiate a settlement or a payment plan with a debt collector? There are a few critical things you need to do to prepare for that. The most obvious thing you need before you make...
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Can You Get a Debt Collection Account Off Your Credit Report?
Suffering through a tough financial patch — with the stresses of not being able to pay bills on time, juggling priorities like rent and utilities over other bills — is frustrating. But for many of us,...
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How Do I Get a Debt Collector to Negotiate With Me?
I work with people daily in order to help them better understand their options, and overcome the hurdles that can pop up when resolving collection debts. A woman recently submitted a common concern...
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I’m Worried About Calling a Debt Collector. What Should I Do?
Dealing with debt collectors can be a scary prospect. If you have ever dealt with an overly aggressive and abrupt collector, your preference for avoiding a repeat call can be understandable. Perhaps...
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Can I Bypass a Debt Collector?
When I am assisting people to resolve unpaid bills I’m often asked, “Why do I have to pay the debt collector? Why can’t I just pay my creditor or lender and avoid the collector all together?” A reader...
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Beth’s Story: Should I Consider Bankruptcy?
For more than a decade I have used a fairly specific approach to help people find their way when struggling to keep up with their bills. I generally focus on six mainstream options to deal with debt,...
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Beth’s Story: Can a Balance Transfer Help Me Get Out of Debt?
This is part two of my series about Beth, who is dealing with unaffordable credit card bills. In part one, I shared her detailed reader question, and I didn’t know her personal debt relief quest would...
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Beth’s Story: Is Debt Settlement the Answer?
This is the third part in a four-part series about Beth, who’s struggling to make monthly payments on her debt. I encourage people struggling with unaffordable debt to use this as a debt relief...
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How to Challenge a Debt Collector & Win
A reader, Anthony, wrote to me to share the success he had in dealing with the debt collection issues he faced earlier this year. He started off with the goal of settling an old unpaid credit card,...
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Beth’s Story: Which Debt Solution Did She Choose?
This is the fourth and final installment in a series of pieces for people who find themselves unable to continue to meet the minimum payments on credit cards and other bills, and who want to learn...
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The Little-Known Lifeline for People Drowning in Credit Card Debt
If you’re struggling to make payments on your bills, you may not know that you have options – including what’s typically called a hardship repayment program. These are programs that banks may offer...
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What Happens to Your Unpaid Debt
If you default on a credit card, loan or even your monthly internet or utility payments, your account could be sent to a debt collection agency. Unpaid debts sent to collections hurt your credit score...
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Are Debt Collectors Stalking You Online?
Debt collectors spend a lot of time chasing down accounts, many of which will never result in a payment being made. A smart collector will spend time trying to collect on accounts that are most likely...
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