Credit Education

               


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Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Debt collection agency rules - There are important facts you need to know before you contact; or are contacted by, debt collection agencies.

Credit counseling - Learn about credit counseling and how to choose a good company.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Government debt consolidation loans - Truth about government loans to pay bills.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Track expenses - Free software to track where you spend your money most.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

 

 

 

Balance Transfer Debt - Before you balance transfer credit card debt, read this important article. It may be better to consider alternatives! Personal Debt Increasing - Personal debt increases, as Americans spend more than their disposable income, according to the Bureau of Economic Analysis Debt Settlement Facts - Is debt settlement right for you? Learn about the debt negotiation process. Ending the Debt Cycle - To end the debt cycle, parents and teachers must educate children on sound financial management and long-term planning. Economy and Debt - Are consumers digging a debt hole if the economy slows? Debt Consolidation and Debt Settlement - Learn the differences between bankruptcy, debt settlement and credit counseling. Pre-Bankruptcy Credit Counseling Bad News - In an effort to reduce the number of bankruptcy filings, the federal government passed legislation that requires debtors to first engage in credit counseling, AKA debt management, prior to filing bankruptcy. But is this back-firing and causing more debt problems? Divorce and Debts - Facts about Divorce and Paying Debts on an Individual or a Joint Spouse Account. Student Credit Card Debts - College student credit card debt is a tough lesson to learn, but credit counseling can help with those bills. Pay Off Debt Options - When you have available funds, should you pay off debt? What should you consider. Unknown Debt Collection Agency - Is a debt collection agency calling and harassing you about a debt you do not recognize? Know your rights. Consumer Debt Late Payments - Consumer debt has increased, resulting in late payments in multiple loan categories. Debt Settlement - Debt settlement is one option for people to consider who are too deep in debt for a repayment plan. Marriage Debt-Lock - Wedlock could become Debt-lock. Avoid and recover from marriage debt. Surveys reveal that money; mainly high credit card debt, is a leading causes of divorce. And debt can be especially troublesome if one spouse is amassing it behind the other's back. Although one spouse may be generating most of the credit card debt, both spouses are equally responsible for ensuring timely repayment. Good Bills VS Bad Debt - In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? Payoff Credit Card Debt - Solutions and alternatives to payoff credit card debt and stop more debt. Bankruptcy Debt - The clean start promised by bankruptcy is under attack as big lenders continue shaking money from the pockets of consumers whose debts were discharged by the courts. Fraud and Credit Scams Target Debt People - People with big debts are often targeted for credit scams and fraud. Credit Card Charge Off - As Christmas approaches and while shopping is in full swing, credit card charge off volume was higher this quarter. Debt Settlement Company FAQ - Can a debt settlement company really lower your debt so you can pay off in a few years? Unpaid Credit Card Debt - The amount of unpaid credit card debt escalates as spending continues. Payoff Debts Without Loans - Bills may be sticking up, but there are simple ways to payoff debts and without using credit cards and loans, and without counseling or to negotiate settlement. Long Term Plan to Pay Off Bills - Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. $7000 Debt Question - A CreditFederal.com visitor says: "I have about 7000 in debt. My credit is not good . I am looking to change that I do not have collateral to put down on the loan . Is there anyone who can help me. Please I'm desperate." CreditFederal responds: Since you have credit problems and no collateral, it's unlikely you'll be able to obtain a long term $7,000 loan, particularly at a favorable interest rate even if you could get approved.  What Is Unsecured Debt Consolidation - What is unsecured debt consolidation, the advantages, pros and cons over counseling and chargeoffs, or should you negotiate settlement? Credit Card Balance Transfer Debt - How to avoid; and get out of, credit card balance transfer debt that builds up by transferring balances. Manage Debt Yourself - Do-It-Yourself tips on how to manage debt to get finances under control. Should you chargeoff or payoff bills, consolidate or negotiate settlement? Debt Solutions - There are many debt solutions. Which one is right for you; and best, whether a debt consolidation loan, complete chargeoff, credit counseling or to negotiate settlement, depends upon your financial situation, goals, and personality. Christian Loans and 7 Year Debt - Why is unpaid debt removed from credit reports after 7 years? Why not allow bad credit report entries to remain long term, beyond 7 years? Stop Credit Card Debt Abuse - Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction. Calculate Debt And Payoff - Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement? Debt Collectors - No savings account and debt collectors calling? Even though options like credit counseling to setup repayment plans or debt consolidation loans to reduce bills, many Americans are facing a chargeoff or are negotiating settlements. Debt Collection Statute Of Limitation - Are old bills and debt collection agency phone calls troubling you? Read our article about the debt collection statute of limitation for how long creditors, bill collectors and debt collection agencies may legally pursue repayment. Money To Payoff Debt - Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Free Debt Relief Advice - Perhaps your credit mistakes are the reason why bills continually pour into your mail box despite debt consolidation efforts, struggles to payoff and/or to negotiate debt settlement chargeoffs. Read our free debt relief advice. Statute of Limitations Debt Collection Act - Rules and statue of limitations for debt collection. Learn how to deal with debt collection agency harassment and how to negotiate debt settlement. Download our free personal finance calculators so you can track  expenses and manage checkbook register entries. Debt Relief Tips - CreditFederal offers abundant resources to deal with debt, including professional services like credit counseling, debt management and debt negotiation, as well as do it yourself free debt relief tips. Short and Long Term Debt Relief - Even bad credit people have more than one option to get short or long term debt relief. Here are some options; other than asking family and friends for money, and a few warnings. Biggest Debt Mistakes - Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. How To Reduce Debt - It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Debts And Bills - Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses. Debt Free Money - The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements. Stop Debt Save Money - Tips on how to stop debt and save money. Plus free personal finance calculator downloads to create budgets, assist with bill payments and free checkbook register software. Debt Collection Agency Negotiation - Cannot repay bills? Free tips for debt collection agency negotiation and sample payoff letter. Before you agree to a loan or credit card debt settlement chargeoff, read our advice. Debt Collector Verification - Free sample letter and advice on how to get a debt collector to prove you owe money. Stop Credit Card Debt - Charging too much credit card debt? Free tips on how to stop credit card charges, plus free computer software to track expenses. College Student Credit Card Debt - According to a survey, 1 in 4 college students incur $5,000 in credit card debt. Use our free financial calculators to create a budget and track expenses, and get a free credit counseling quote. Debt Settlement Vs Debt Consolidation - What is the difference between a Debt Settlement Program and Debt Management Plan (DMP)? With debt consolidation; also called a Debt Management Plan (DMP), you continue to agree to pay back every penny of the debt you owe, plus interest although the interest may be reduced. Many debt management companies tack a monthly service fee onto your monthly payment.  Debt Loan Advice - Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt. Creditor Rejects Debt Settlement Negotiation - What to do if a creditor rejects your debt settlement offer and refuses all negotiation. File bankruptcy with an attorney or get professional debt counseling consultation? There have been news reports of homeowners; behind on mortgage payments, have ceased rendering payments and are forcing lenders to renegotiate the loan terms. In all actuality, this is not a good thing to do.  Can Debt Collectors Put Me In Jail - One question often received is: Can debt collectors put me in jail for not paying my bill? If you need help, consider credit counseling, professional debt negotiation or do-it-yourself free debt settlement. Truth: Debt collectors cannot put you in jail for not paying your bill. But that doesn't stop debt collectors from trying all sorts of underhanded tactics to get you to pay.There are no 'debtor prisons', and being in debt is not a crime.  Payoff Credit Card Debt - Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement. Old Debt Collections - Are old debt collections resurfacing? Zombie Debt Collectors will try to get you to payoff old obligations like credit card debt. Learn how to respond, debt statute of limitations and your rights. Fighting Old Debt Collection Attempts from Zombie Debt Collectors Definition of Zombie Debt: old debt purchased by debt collectors with the goal of intimidating borrowers into paying off the debt.  Fake Phantom Debt Collectors - Don't be a victim of fake, phantom debt collectors. Know your rights under the Fair Debt Collection Practices Act. If you do have bill paying problems, consider credit counseling or negotiate debt settlement. Stop Debt Collection Agency Calls - You have the right under federal law to stop debt collection agency calls. Tools and sample letter for you to send to stop harassing collectors. Also consider credit counseling and debt settlement. Harassing Debt Collector Fined - A harassing debt collector was fined $2.25 million. Review federal regulations and rules that protect your rights. If you need help with a debt collection company, consider do it yourself free debt settlement, credit counseling or an unsecured debt consolidation loan. Consumers like you help fight against harassing, threatening debt collectors. Credit Card Debt Advice - Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankruptcy or to reduce payments. Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy - Put debt tools to work for you. Create a budget and learn about your debt relief solutions including debt management, debt consolidation, debt settlement, credit counseling and bankruptcy. Download our free budget software and our free electronic checkbook register to track expenses. Credit Card Debt Default - Interest rate hikes to offset high risk may be increasing credit card debt defaults and worsening the credit crisis. It's like an unsecured loan version of the mortgage mess. For debt relief, consider a debt settlement chargeoff, credit counseling or an unsecured debt consolidation loan. High Rate Credit Card Debt - High interest rate credit card debt could result in bank credit limit decreases, even higher rates, and subsequently maxing-out and getting hit with over limit fees. If your credit card debt is a financial burden leading you to bankruptcy, take action now with credit counseling, debt consolidation or perhaps negotiate a debt settlement type of chargeoff. Debt Collectors Violating Do Not Call List - Are debt collectors violating the do not call list and harassing you? Learn your rights, like sending a cease and desist letter or a debt verification, and learn the debt statute of limitations. Free Debt Collection Agency Tips - Free debt collection agency tips and your rights to help you deal with harassing bill collectors. Credit Card Debt Relief - Secured and unsecured loan options, counseling, debt settlement chargeoffs and other tips for credit card debt relief. Cant Make Credit Card Payments - When you cant make credit card payments or even pay the minimum due, you have options which include an unsecured debt consolidation loan, credit counseling, debt management, or you could negotiate a debt settlement chargeoff or file bankruptcy. Get Out of Payday Loan Debt - How to get out of payday loan debt. Your rights and solutions and tips other than filing bankruptcy for even the most desperate people. Negotiate repayments, get a debt consolidation loan, lower fees with credit counseling or chargeoff a portion through debt settlement. Free Tax Assistance for Seniors and Low Income and Tax Debt Help - There could be help for getting taxes prepared if you are low-come or elderly as the Internal Revenue Service is expanding and forming partnerships with community organizations to help these taxpayers get service. This service is through the VITA or "The IRS Volunteer Income Tax Assistance" program and is for those who earn less than $42,000 and the TCE or "Tax Counseling for the Elderly" for taxpayers who are age 60 or older. Tax Debt Help - You don't need a tax attorney to help you get tax debt relief, nor do you need a loan to pay taxes. The IRS offers free tax debt help to settle for a lower amount owed without filing bankruptcy. You've seen the ads on TV... an attorney offers tax debt help to settle your IRS debt for pennies on the dollar. Can they really do it? Yes. BUT so can you, on your own, without having to pay lawyer fees and without filing bankruptcy.  Stop Bill Collector Calls and Threats - Free tips to easy stop bill collector calls and threats by learning your rights. Stop debt agency harassment, plus advice on how to negotiate settlements. Sample debt verification and debt settlement letters. Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company - Review the main pros and cons of Do It Yourself Free Debt Settlement VS a Professional Debt Negotiation Company to chargeoff bills and high balances. Student Credit Card Debt - Student credit card debt is on the rise. To help payoff credit card balances, consider a student consolidation loan to free up monthly money, balance transfer credit card balances to a 0 intro card offer, then use the savings to make higher repayments. Chargeoff Credit Card Debt and Rebuild Credit Score - It may take time, yet eventually you can rebuild credit after you chargeoff credit card debt. Review our free tips on how to negotiate debt settlements with creditors, and advice on how to rebuild credit. Chargeoff Credit Card Debt To Avoid Bankruptcy - If you are near bankruptcy, you may want to chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. The credit crisis and bumbling government legislation have created a catastrophic domino effect. After consumers had tapped out their mortgage equity and had no where else to turn, they ran up credit card debts.  Settle Credit Card Debt - Some consumers have been living off their credit cards by using them for simple things like rent, groceries, or other basic expenses. One reason may be that many consumers have lost their jobs during this economic crisis. Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Did you know? A debt settlement company is more experienced and can negotiate a larger settlement amount. Free Tips to Avoid Credit Card Charges - Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements. Debt Arbitrators Code of Ethics - Review the Code of Ethics of the International Association of Professional Debt Arbitrators  Apply for Debt Settlement or Counseling - Click Here - Preamble and Applicability -This Code of Ethics (the "Code") has been adopted by IAPDA to provide principles and rules to all persons whom it has recognized and certified to use the "CDA", "Certified Debt Arbitrator" and "CDS", "Certified Debt Specialist" designations. Free Debt Advice - Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Old Debt - "Old Debt" used to indicate debt that was several years old, but now it has another, new definition: debt owed by elderly persons. Not only do single parents struggle with bills, but now even your grandparents may be experiencing elderly debt problems. Don't think that grandma and grandpa may be living a nice retired life without any debts. It seems that the older generation may be the ones who have debts that are above $10,000 and growing.  Credit Counseling VS Debt Settlement VS Bankruptcy Filing - When you need debt relief, your three big options are credit counseling, debt settlement and bankruptcy filing. Review free tips before choosing. Who Pays Joint Spouse Debt - Who pays joint spouse debt after divorce or during marriage separation? What are creditor and law rules? Before divorcing, settle debts either with a payoff loan, debt settlement chargeoff, or refinance debt in one spouse's name. Lower Credit Card Balances - A federal government report reveals lower credit card balances for consumers. If you can't payoff credit card balances, get free debt settlement, credit counseling and debt consolidation quotes. Previous articles: Balance transfer credit card - How to safely transfer balances to a 0 intro card. Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company. Getting out of Joint Credit Card Debt - Information about applying for and getting out of joint credit card debt. Submit a joint credit card account application or apply for joint spouse debt settlement. Credit Card Debt Relief Options - Learn the processes for credit card debt consolidation and credit card debt settlement and choose the debt relief option that is best for your financial situation. Get Out of Debt Free and Fast - Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company. Legitimate Debt Relief, Consolidation and Settlement - You can get out of debt. There are many legitimate debt relief options, including debt consolidation, debt negotiation, and do-it-yourself free debt settlement. Debt Settlement Advice - Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice. Credit Card Debt Settlement - Credit card debt settlement, also known as debt negotiation and sometimes as a balance chargeoff, may be a good option if you are burdened by credit card debt to the point of filing bankruptcy. What Is A Debt Management Plan - Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Counseling, Consolidation and Other Debt Relief Options - Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Debt Management Counseling Info and Advice - Debt management counseling information and free debt relief advice. Credit Card Charges can cause Long Term Loan Debt - Credit cards are a money management tool that can be used as a short or long term loan, so building credit card debt can happen quickly and easily with high outstanding balances. Debt Management Tips - Free debt management tips and advice on how to get bills under control. Secured and Unsecured, Paid and Free Debt Relief Programs - Just as there are many different types of secured and unsecured debt, there are almost as many debt relief options both free and paid, including filing bankruptcy, personal budget debt management, debt settlement negotiation and credit counseling. Credit Card Christmas Debt - Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan. How to get out of payday loan debt - Looking for a way to repay payday loans, or to negotiate a payoff settlement? Debt Management Plan Advice - Review our free debt management plan advice: Organizations that advertise credit counseling often arrange for consumers to pay debts through a debt management plan (DMP). In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they've worked out with you and your creditors. How to Tell Debt Collectors Not to Call - You have the Right to Tell Debt Collectors Not to Call You - Read our Free Tips If a debt collector is calling constantly about debts; whether you actually owe or not, you have the right to tell them not to call you. Many consumers have resorted to changing phone numbers or disconnecting their phone due to the constant harassment of debt collectors. College Debt Grant Question - Zachary asks: "What Grant programs if any can a veteran apply to for student loan debt. I owe over $90,000 in student loan debt. I have under $30,000 in past Credit Card debt. We've already consolidated everything as much as possible. I have 10% service related disability. Please help if you can. "Answer: Thank you for visiting our site and for submitting your advice request. Higher Loans with Lower Interest Debt - The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt. Interest rate cut could generate higher loans and credit card lines of credit while reducing new overall debt balances. The Federal Reserve prepares to lower interest in a continuing attempt to help our struggling economy. It's simple math. Sample Debt Settlement and Negotiation Letter - The sample letter below is intended to be used as a comprise letter to creditors. VIA CERTIFIED MAIL RRR # (PUT THE NUMBER OF THE CERTIFIED MAIL RECEIPT HERE) YOUR NAME YOUR ADDRESS CITY, STATE, ZIP CODE Today's Date Place collector's name here Collectors address Collectors city, state, zip RE: Acct.# 5555554441Dear (who ever you spoke with): As we discussed, I became unemployed and was no longer able to pay on my account. Zombie debt collectors - There are Zombie debt collection companies that buy bad debts for pennies on the dollar and then hassle you to pay, many operating in violation of federal law. Debt Consolidation Loan - Apply for a debt consolidation loan, or for nonhomeowner debt consolidation. Who qualifies? Read our debt article! Credit Card Debt - Tips to avoid and how to get out of credit card debt.  If you need professional help, use our preferred resource to eliminate credit card debt. Click below to read this article. Bill Collector Bad Debt Collection - A new scam against credit consumers involves debt collection agencies inventing past due bills and demanding repayment. Inventing fake debt and trying to get money from consumers who don't even owe. According to The Consumerist, One such collection agency (Moreno and Woods), made up a debt and lied about a court judgment to get a consumer to pay $20,000. Credit card debt cancellation letter - You cannot simply stop paying credit card debts you had accrued. Even if you send your credit card company a cancellation letter; and even if you tear up your card, you are still responsible for paying any and all unpaid charges, transfers and fees. Debt Glossary - Credit and Debt Definitions Dictionary - authorized user - A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance. annual fee - a yearly fee ranging from $15 to $300 charged by the credit card company for the convenience of the credit card application fee - the fee charged by a credit card company or bank for processing your application for credit APR - annual percentage rate average daily balance Get Out of Christmas Credit Card Debt - Free tips and advice on how to get out of Christmas credit card debt. Did your credit cards gain a few pounds over the holidays along with you? It is fun to make charges on credit cards during the holidays and see the joy that gifts bring. That is until the credit card statements glare at you from inside the mailbox. Just like we put on extra pounds - so will credit card balances during the holidays. Christmas Debt Personal Loans - A long term debt consolidation loan to payoff Christmas credit card bills. Homeowners can use the equity in their homes to obtain a low interest, long term debt consolidation loan, and use that money to payoff high interest debt. Depending upon their current mortgage interest rate and their refinance rate, they may also be able to reduce their mortgage payments. Review lender Terms & Conditions before signing a loan agreement. Chargeoff Christmas credit card debt - File bankruptcy or chargeoff Christmas credit card debt and other unsecured bills. If you've exhausted all solutions for meeting your financial obligations, it may be in your best interest to file bankruptcy. Although bankruptcy is much the same as simply not repaying debt, it's a legal chargeoff procedure. Ways to payoff Christmas credit card bills and debts - You could use gift cards, cash, credit counseling or debt settlement to get rid of Christmas bills. Sue a Debt Collection Agency and Reasons to Pay a Collector - Yes, you can sue a debt collection agency for violating regulations, yet there are good reasons why you should pay debt collectors instead of defaulting. Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? One way to get a relatively low interest, long term loan is to use the equity in your vehicle to secure a loan. If you still owe money on your auto and don't hold the title in your name due to a lien, apply for a refinancing loan.  Debt Collection Agency Contact Phone Number and Address - Below is an alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address.  A2z Judgment Recovery Services PO Box 23758Flagstaff, AZ 86002Phone (928) 814-6116AAA Credit Service Collection Agency520 N. Brookhurst St #204Anaheim, CA Phone (714) 533-6676AAA Judgment Recovery Services4579 Laclede Ave. S204St. Louis, MO 63108 Phone (314) 603-1825 Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - A reader asks: "I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? " Answer: You can win with either option. The option which can save you the most money is to payoff credit card debt. You would save the card's interest charges you would have had to pay, which is a far higher rate than what a typical bank savings account pays. Signs of Debt Relief Scams - Whatever the reason: Inflation; Insufficient Income; Inability to Maintain a Budget or just too Stubborn for Saving; some of us get so desperate that we look before we leap when selecting debt relief. Of course not all debt relief companies are scams, yet some do engage in illegal or deceptive practices. To avoid scammers all you need to do is watch for telltale signs and verify references from legitimate resources. Secret Tricks Debt Collectors Use - Divorce, bankruptcy and even dead debt beyond the statute of limitations can be resurrected as Zombie Debt through secret tricks debt collectors use. Before You Answer Debt Collector Calls - Before answering debt collector calls, first understand your rights and be wary of mistakes other people often make. Stop Payday Loan Debt Borrowing - Are you realizing you have become dependent on payday loans? If so, that's actually a good sign as it means you are recognizing a problem. One which you otherwise can't fix without first acknowledging. When asked why payday dependent people continually obtain these short term loans, a common response is that they are low on funds and have bills due. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Settle Deceased Person's Debt - When a relative or other loved-one dies, you certainly don't want to be hounded by debt collectors who are ghoulishly seeking debt payment. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Track Down Original Creditor for Debt Collection Agency - Don't payoff someone else's debt collection agency. Track down the original creditor to make sure you owe the money. Non-Dischargeable Debt Bankruptcy Lawsuit - You file bankruptcy to avoid repaying debts, but then a creditor files a non-dischargeable debt lawsuit to ask the judge (court) to determine the debt owed is non-dischargeable. This lawsuit is often based on the debtor obtaining the credit through fraud or a false financial statement. Christmas Debt Consolidation Loan - Get a Christmas Debt Consolidation Loan to payoff credit card bills in full. Review the benefits and compare lenders. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. This holiday snowball can end up causing extreme financial stress on you and your family. If you've accumulated a mass of credit card debt which you simply cannot afford to repay and if you have no other options, you may want to consider a Christmas credit card debt settlement.  Smartly Recover from Christmas Debt - What is the smartest way to recover from Christmas Debt? Review these tips. Christmas Credit Card Debt Statement - How your Christmas credit card debt statement knocked the holiday spirit out of you? Check this out. Debt Help with Payday Loans - You can get debt help with payday loans with debt consolidation or do it yourself negotiation. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself You don't need to hire a company and pay fees to charge off Christmas credit card debt. You can do it yourself, free. Debt Help Without Ruining Credit - Here are ways to get debt help without ruining credit scores and may even improve. What Debts are Discharged in Bankruptcy - An example listing of what debts are discharged in Bankruptcy, Chapter 7 and Chapter 13. Common Debt Terminology Definitions - What is the meaning of... Common Debt Terminology Definitions Account Payable: Any amount owed as the result of a purchase of goods or services on a credit basis. Although a firm making a purchase issues no written promise of payment, it enters the amount owed as a current liability in its accounts. Companies often incur this type of short-term debt in order to finance their inventories, especially in industries where inventory turnover is rapid.  Junk Debt Collectors of Old Bills - Junk debt collectors of old bills are relentless in their pursuit of profit. Debt Help for Unemployed People - Review these free tips and options which offer debt help for unemployed people. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills. Writing Off Debt Legally - Legally write off debt and have it forgiven What Happens to Debt After Seven Years Statute? - After seven years or other length of debt statute of limitations has been reached, what happens to the old debt?*Seven years is a common time span for most debt statute of limitations. After the limitation has passed, many negative items can be deleted from your credit report. That includes things like late payments, debt collections and charged-off accounts.  Government Debt Relief Company Rules - Federal government debt relief company rules to protect consumer rights. Government Debt Agency Regulations The government Federal Trade Commission has issued rules for any company or agency which sells debt relief services to consumers over the phone in order to make a profit. The rules affect debt settlement, debt negotiation and credit counseling companies who call consumers to get them to hire their services.   Debt Consolidation Loan for Bad Credit People - The immediate solution considered for getting bills under control is to consolidate. Yet debt consolidation for bad credit people may not be available without some form of collateral. what happens when you have high debt and bad credit, is that you become a very high risk to lenders. Lenders worry that if you are having trouble paying your current bills, how likely will you be able to repay an unsecured loan?  Is My Debt Too High - Most everyone's debt is too high, and not just individuals either... even the US government is in deep debt. Current US debt is over $17,500,000,000 (that's 17 trillion) President Obama: Added $5.081 trillion, a 44% increase to the $11.657 trillion debt level attributable to President Bush at the end of his last budget, As for individuals...U.S. household consumer debt:* Average credit card debt: $15,191* Average mortgage debt: $154,365*  Bad Debt Management Company Red Flags - Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little. You can consult The Association of Independent Credit Counseling Agencies; a national association of non-profit credit counseling agencies, for a list of member companies. Members of the AICCCA must be non-profit credit counseling agencies who are properly licensed to business in their state. Debt Help for People on Benefits - Debt Help for People on Benefits, SSI or Senior Citizens Question: Can my SSI disability benefits be seized to pay credit debt? SSI disability benefits can never be taken to pay any type of debt, since they are intended to pay for subsistence-level food and shelter for the recipient. Even a lump-sum SSI check for back payments or accumulated SSI benefits in a savings account may not legally be garnished or seized.  Payday Loan Debt Settlement - Payday Loan Debt Settlement is one option for people who no can no longer qualify for unsecured credit cards, thanks to Democrat Party regulations.  Click Here to Get Out of Payday Loan Debt Since payday loans are one remaining life-line of credit for millions of Americans due to Democrat card regulations, it's the financial source most often used. Unfortunately, overuse of most anything can lead to problems. Credit Card Company Debt Hardship Program - How a Credit Card Company Hardship Program Works for Balance Debt Relief Reduce Bills - You can reduce bills free on your own or you can get professional debt reduction assistance online. 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5 steps to reduce credit card debt
1. Find a card with a better deal...
Transferring a balance can save cash
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If your monthly bills overlap, arrange the payment schedule to fit your monthly budget flow and avoid those late payment fees.
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Credit card issuers are determined to whack you with big penalty fees.
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Just paying the minimum and little else? Develop an effective plan for reducing debt.
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Meeting Creditors at Bankruptcy Court Hearing

Bankruptcy is not an easy process. The decision to file is fraught with emotion. Once the decision is made, lots of information must be gathered, sorted through, analyzed and put into a form that can be filed with the court. And, it can be difficult to come up with the money necessary to file. 

For most of debtors, the hardest part of the bankruptcy process is the Meeting of Creditors. Also known as the 341 Meeting, after the section of the Bankruptcy Code that mandates it, the Meeting of Creditors is the first and usually the only time the debtor is expected to go before a bankruptcy authority and explain the reason for filing bankruptcy.

I would tell my clients, "You will be nervous; that's to be expected. But, when it's over, you'll wonder what all the fuss was about." Almost inevitably, that turned out to be the case. Here's why:

The Meeting is conducted before the trustee assigned to your case, not the judge. In fact, by law, the judge cannot attend. You can learn more about your trustee at Who is a bankruptcy trustee?

Chances are, no creditor will attend your Meeting of Creditors. Yes, it is ironic, but in the vast majority of cases, no creditor will attend. It will be just your trustee, your attorney and you sitting around a conference table. In the "old" days, creditors could and would attend so that they could question the debtor about his motives and his assets. 

In modern times in Chapter 7 and 13 cases, it is rare to see anyone other than a car creditor attend, and then only to find out if the debtor intends to reaffirm the debt. But, even if a creditor shows up at your meeting, you needn't been concerned that your creditor will ask you questions that you can't answer. Your attorney and the trustee will see to it that all questions are appropriate, and no one will allowed to harass you. 

The Meeting is generally not held in a courtroom and often not even in the courthouse. In one of my local districts, the Chapter 7 341 meeting is held in a conference room in the federal courthouse, but in another district, the meeting is held in a meeting room at a hotel. Our Chapter 13 trustees hold their meetings within their offices.

There will be few spectators. The Meeting is generally not conducted in front of a lot of people. Although is it a public meeting, most trustees schedule their meetings over the course of the day so that only a few debtors or other observers are present at any one time. Furthermore, most debtors who may be there waiting for their appointment time are too concerned with their own cases to pay much attention to anything you might say. 

No one will criticize or berate you at the Meeting. Your trustee's role at the Meeting is to determine if you filed your case in good faith, to seek answers to any questions your paperwork presents, and to gain information about potential assets (property that is not exempt) that he can sell for the benefit of your creditors. 

Your attorney will attend with you. If you have an attorney, the trustee will not question you if your attorney is not present. In fact, in many districts, the attorney actually conducts the questioning on the record in order to save the trustee's voice on days when the trustee has dozens of meetings scheduled. 

You will be asked to swear or affirm that you will tell the truth. This is nothing to fear. As long as you tell the truth, that is. Actually, you've already essentially sworn to the information you included in your bankruptcy paperwork when you signed it under penalty of perjury. Learn more about perjury at Perjury in a Bankruptcy Case.

Actually, debtors are more concerned that they will leave out information rather than tell an untruth. If that happens, it is usually easily resolved. Since your attorney will be there with you, she can often offer additional information to the trustee or have you clarify an answer. I have even had a client call sometime after the meeting to say that he forgot to tell the trustee something, which prompted my call to the trustee to find out if we needed to schedule a follow-up meeting for the debtor.

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