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.
Consejos:
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.
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?
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.
Loans Credit and Debt Relief
- About Mortgage Home Loans
- Mortgage Home Loan Details
- Reverse Mortgage Retirement Income
- Change Reverse Mortgage Payments
- Reverse Mortgage Options
- Buying and Selling Timeshares and Vacation Plans
- Before You Buy Timeshares
- Timeshare Exchange Systems
- Selling Timeshare Properties
- Timeshare Resale Checklist
- HELOC Home Equity Loan Tips
- Cancellation of PMI Private Mortgage Insurance
- Home Equity Loans The ThreeDay Cancellation Rule
- Learn About Getting Credit
- Credit Accounts for Married Couples
- About Credit Card Spending
- Improve Your Credit Records
- Housing Foreclosure Options
- Real Estate Foreclosure Mortgage
- Secured Credit Cards
- About Bankruptcy Debt Relief
- Housing and Credit Counseling
- Credit Counseling Education
- Pre Bankruptcy Counseling
- Post Filing Debtor Education
- Negative Credit Effect Job Searches
- How Payday Loans Work
- Payday Loans Alternatives
- Debt Management Plans
- How to Deal with Creditors
- How to Manage My Debt
- Collecting Time Barred Debts
- Types Mortgage Home Loans
Préstamos Personales de Dinero
- ¿Necesita un Préstamo?
- Prestamos para Empresas
- Iniciar su Propio Negocio
- El Nicho de su Negocio
- La Compra de un Negocio
- Compra de una Franquicia
- Patentes Marcas Registradas
- Las Características Básicas de un Producto
- Tipos de Empresas en los Estados Unidos
- Básicos de Financiamiento
- Tipos de Financiamiento para Negocios Pequeños
- Financiamiento Mediante Endeudamiento