Consejos:

Debt Management Plans

Credit Counseling and Debt Management Plans

Credit Counseling: If you’re not disciplined enough to create a workable budget and stick to it, can’t work out a repayment plan with your creditors, or can’t keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But be aware that, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, which may be hidden, or urge consumers to make “voluntary” contributions that can cause more debt.

 

How to Deal with Creditors

How to Deal with Creditors - It's become an all-too-familiar headline and lead story - job cuts, dot.com failures, corporate restructuring and lay-offs. If you've recently lost your job, your first thoughts may be, "how will I make ends meet." Money matters are a source of stress and frustration for many people. The Federal Trade Commission (FTC) publishes free brochures spelling out your rights when it comes to fair debt collection and credit reporting practices.
   

How to Manage My Debt

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?
   

Collecting Time Barred Debts

About Collecting Time-Barred Debts - Most courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.
   
Atlanta Georgia Anaheim Austin Texas Albuquerque New Mexico City Arlington Virginia Baltimore Maryland Boston MA Chicago IL El Paso Corpus Christi Texas Dallas Texas Houston San Antonio Detroit Denver Colorado Hartford CT Providence Miami Fort Lauderdale Florida Orlando Tampa Milwaukee Las Vegas Nevada Anaheim Los Angeles San Francisco CA San Diego Sacramento Riverside San Bernardino Phoenix Arizona Tucson Philadelphia PA Nueva York Seattle Washington DC Puerto Rico Nueva Jersey Canada Monterrey Mexico DF Guadalajara Tijuana