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frogpatch profile image86

When the Debt Collector Calls

It is around 6 PM and you are just sitting down to dinner and the phone rings. You look at your caller ID and it says "out of area." You answer and say hello and there is no one there. You hang up. The debt...

14 comments    finance debt collecting
79

Why You Should Never Pay a Debt Collector Without Validating

Have you gotten one of those lovely "pay us NOW" debt collection letters in the mail or a barrage of phone calls? Before you crack open your checkbook or negotiate any kind of payment, you might want to think...

2 comments    debt collection debt collector
71

Five Good Reasons Not to Hire a Debt Reduction Company

As unemployment continues to rise and the financial system continues to tremble, more and more Americans are finding themselves weighed down with debt they cannot pay. Whether you are in trouble because you...

41 comments    credit jobs debt
Dale G. Holmes profile image70

Sample Debt Validation Letter

Debt collection companies can be difficult to deal with. No one wants a phone call or letter from these companies. If you do get one what should you do though? Send the letter below and ask them to provide...

6 comments    finance credit score fico score
LibertyUnchained profile image80

Letters to make debt collectors stop calling you

When you find yourself being harassed by debt collectors, you can easily get them to go away lawfully provided you know the game. The key is to respond quickly and force them to prove their initial claims or...

2 comments    debt collector dealing with debt
75

How to Handle Debt Collection Calls

You're sitting down to dinner, just shoving the first bite of the steak you cooked up into your mouth when your phone rings. You mutter, throwing down your knife and fork, and check the caller ID. Who is it?...

5 comments    advice finance money
Photo Credit:  http://www.uscaservices.com/78

Battling Consumer Debt Collectors Part 2: I Do Not Owe This Debt!

It is not uncommon for creditors to send disputed accounts to collectors. Most of the credit in the United States is held by a handful of HUGE banks that do not address consumer disputes very well. If a...

3 comments    finance credit report
medical bills can add up quick77

Easy Way To Keep Medical Bills From Going To Collections

Medical bills can be a devastating blow to anyone regardless of the debt situation they were living with prior to accumulating the medical debt. I know, I've been there twice. An abdominal hernia surgery...

health advice how to
70

Call Block

 About Call Block Machine Do you experience ever or be unsure on how to block a phone call? Conceivably you would like to block sales calls or those unrelenting telemarketers right? A lot of phone...

0 comments    stop debt collectors
Silver Rose profile image73

Dealing with debt collectors

When you get into arrears with your debt payments, one of the most unpleasant things you have to deal with is being chased by debt collectors, often to a point of harassment. This page tells you how to deal...

1 comment    debt credit card debt debt advice
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