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Credit Blemished Over Imaginary Credit Card [Debt Collectors]

The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... of the charge, however, was when I received a collection notice several months after [more...]

Date: 2008-10-30 19:20:44

Blog posts (642) | Videos (713)
 


The fates intervened.. & randomness

I had planned to spend the evening catching up on my day job, but after spending 2 hours this afternoon, and then breaking for supper, ... of it. Secondly:  I’m within spitting distance of being credit debt free. I paid off the biggies today ... at the one teeny weeny little card that I have left.  The credit cards, except for my debit card [more...]

Date: 2009-01-12 02:40:20


Debt consolidation Best

In order to run our lives peacefully we require money. We cannot earn money through simple means nowadays. We have to struggle a lot to earn money ... . Most of the people face difficulties due to credit cards. For Credit card Consolidation, you must move towards Really Great Rate. They are rendering lots of debt consolidation services [more...]

Date: 2009-01-11 15:10:08


Obama Would Like All People Out of Credit-Card Debt – Legally Erase 50-60% of Your Past Due Debts

Are you plagued by your financial troubles? If so, how would you like to have your debt legally erased? You can! Little-known tactics along with consumer protection laws have enabled many Americans, just like you, to erase past due balances. The end result is a decrease in stress and an elimination of those past due balance letters from creditors.Last 5 posts by In the News - Sears Remodels US Army Veteran's Home - September 24th, 2009Don't Miss This Great VA Loan Benefit - No Penalty For Prepayment [more...]

Date: 2009-09-25 06:01:12


Say Goodbye To Plastic

Nouriel Roubini has been the most prominent Cassandra for the financial crisis, ... that I introduce her newest prediction: the severe curtailing of credit card lines. It would definitely make sense as banks haven’t been keeping credit card debt on their books, but instead turning them [more...]

Date: 2008-12-01 22:01:01


Debt Reduction Methods and Philosophies: Snowball, Avalanche and More

When someone who has accumulated debt across a number of credit cards embarks on the journey to rid himself or herself of this debt, and when that person is generating enough monthly income to cover all expenses and the minimum payments due on all cards with additional funds left over, there are two main philosophies describing the best way to achieve this goal. Although all approaches are good, there is no question where I stand on this issue. [more...]

Date: 2009-05-29 11:00:32


GETTING OUT OF DEBT

Now is the time of year people forget about all the rules of using debt and run up big credit card bills ... including getting you out of debt fast. But there is one particular program that can truly help ... . It's Christmas and we love giving gifts, even if it means going deeper into debt. We worry [more...]

Date: 2008-12-24 00:00:00


The Lowdown on Wired Plastic

Wired Plastic is the brand name of one of the most rewarding prepaid debit cards out there. Unlike credit cards, there is no debt involved when purchases are charged to a debit card ... with features like online account management, automated monthly payment systems, a point-collecting [more...]

Date: 2009-01-16 02:46:02


Bank of America Seeks Second Bailout From Treasury Department

Yesterday, I speculated on the question of whether a bailout of those in credit card debt would be fair ... bailout funds to one of the nation’s largest credit card issuers. Just when I had begun to think ... of banks that would survive the banking crisis and benefit from consolidation in the industry [more...]

Date: 2009-01-14 23:32:04


Budget for the recession now

Photo by: mugley While the economists debate whether we are in a recession or not, ... to impact all of our budgets. Many people are currently buried in debt, from high mortgage payments to owing large balances on multiple credit cards. Let’s face it, credit card companies [more...]

Date: 2008-06-19 10:26:34


How to Avoid Unfair Collection Practices

Due to the global financial crisis, the number of debt collection agencies in the market is increasing. They are established to offer services of collecting debts on behalf of banks, financial institutions, credit card companies and loan providers. For people who are drowned in debt, it is indeed stressful to receive irritating phone calls from debt collection agents constantly. Hence, it is important to know some useful information so that you are able to avoid the unfair collection practices. [more...]

Date: 2009-09-20 06:02:50


Save Money by Using a Debt Consolidation Loan

Amazon.de Widgets If you are suffering from expensive credit card debt that is difficult to keep under control would it be worth considering a debt consolidation loan as a viable alternative? The simple math would suggest it is.It seems as if you cannot turn on the television or the radio nowadays without seeing or hearing advertisers promoting debt consolidation loans and products. [more...]

Date: 2009-09-25 15:20:16


is it true if you use debt consolidation svc, they want your power of attorney to act on your behalf?

I've delayed getting help for credit-card debt because I was told by one company they want my power of attorney which needs to be notarized before I can do business with them. I think that's scary! Yes….this is true. Most want a limited power of attorney… Stay away from any "debt consolidation" company that promises to cut your debt in half through debt settlement….This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements. [more...]

Date: 2009-06-18 06:21:17


Debt Consolidation Plan: “Plan” Before You Leap!

Too many debts to deal with? Has it become unmanageable? ... ??? Here’s the solution you’ve been looking for - ‘Debt Consolidation Plan’. Debt consolidation loans ... , credit card dues, overdrafts, or any number of unpaid bills that have built up over time [more...]

Date: 2009-01-15 08:14:20


Fed bets $800 billion on consumers

That $200 billion aimed at spurring consumer borrowing will come from the Federal Reserve Bank of New York, which will lend that money to holders of securities backed by consumer debt, such as credit card debt. ... He said the fact that the Fed and Treasury had to work together to get an additional $800 [more...]

Date: 2008-11-25 19:04:49


Repairing Your Credit

We’ve all seen them. “Send me 99.95 and I’ll fix your credit and you can get a one million dollar credit card tomorrow ... your credit. It is not meant in any way to be legal advice. We will discuss several things in this article such as how credit works, paying or settling debts, credit repair companies, and establishing new [more...]

Date: 2009-01-12 01:08:35


Getting Out of Debt Quickly pt 1

You are probably familiar with this feeling: Your bills are constantly piling up, but you feel so far behind that you simply cannot bear to even open them. When you do open them, you quickly realize that there is only enough saved up in your bank accounts for you to make the minimum monthly payments and nothing more. You have plenty of other company all over the country. The average family in America is carrying between $8,000 dollars and $9,000 dollars in debt on their credit cards alone. [more...]

Date: 2009-09-25 11:16:53


CompuCredit must "Comp You Cash"

$114 million refund in pipeline for subprime credit card users - Action Line - MiamiHerald ... Capital Systems, a debt collection company wholly owned by CompuCredit, engaged in deceptive conduct in marketing credit cards as part of its debt collection activities and engaged in abusive practices [more...]

Date: 2009-01-11 02:15:00


Fix Bad Credit

by John Cooper You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score ... card account the debt has been sold to a collection agency, and the lender has no need to save any ... dispute information requests, and debt validation. You can also help your credit score by opening [more...]

Date: 2009-01-14 19:07:31


How trust worthy is American Debt Settlement Group?

I talked to someone from that group with the address 7590 E Gray Road Scottsdale, AZ 85260 I want to know can I trust these people do help settle my credit card debt? How do I know it's not a scam? Stay away from any "debt consolidation" company that promises to cut your debt in half through debt settlement….This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements. [more...]

Date: 2009-05-21 23:36:18


Financial gain will occur again in the USA

Finally there appears at some point there will be the chance that this economic downfall may fade into history. Untold numbers of American households have been left deserted by what has occurred and left holding a burden of credit card debt. The best resolution people have been utilizing is a plan called debt settlement . This process emphasizes saving tons of money and time on the road to debt freedom. [more...]

Date: 2009-08-08 07:16:18


Is It A Good Or Bad Thing That So Many Companies Are Going Out Of Business?

What exactly will 2009 bring us in terms of businesses closing down for good? ... $2.56 trillion in consumer debt, with the average household’s credit card debt amounting to $8,565 ... filing for bankruptcy or are already in it, so we won’t know if some of them make [more...]

Date: 2009-01-06 14:00:00


Sunday Money Roundup - Balmy And 60 Edition.

OK, it is the middle of November, we already had our first snowfall of the season, and now it has been 60 degrees for a week straight ... . Micah reminds us that your minimum payment amount on your credit card bill affects your debt ... is better than going into debt just to buy gifts, so there is definitely a positive reason [more...]

Date: 2008-11-16 14:00:56


Ex-Credit Card Bankers: "Every Customer Who Calls In Is A Mark. It's A Great Big Con." [Confessions]

CNN has an interview with two former credit card bankers who are admitting that their job was to get consumers to max out their credit cards and take on as much debt as possible, regardless of the customer's ability to afford it. They both worked for MBNA at their "sprawling consumer call center in Belfast, Maine." The bankers say [more...]

Date: 2008-09-25 16:39:25


Debt-Financed Consumer Spending Spree?

From the Wall Street Journal article "Hard-Hit Families Finally Start Saving, Aggravating Nation's Economic Woes": ... " and you get 600 results, and for "credit card nation" you get almost 400 results. But the consumer debt data ... Rick and Noreen Capp recently reduced their credit-card debt, opened a savings account and stopped [more...]

Date: 2009-01-08 14:56:00


Spending Control.

Christmas is almost upon us and so I’m very sure that you have already finished or about to finish shopping gifts for your loved ones and friends ... about your expenses. The collection agencies are on a holiday break too so start thinking about credit cards and debt ... of your cosigners, you’ll find a way out of debt. There are financial institutions [more...]

Date: 2008-12-19 02:54:40


Collector Threatens Jailtime Over Dead Debt [Debt Collectors]

Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... of limitations on the debt has well passed and threatening to send a debtor to jail is a violation of Federal law ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]

Date: 2008-10-24 21:04:06


Credit Debt Advice - The Solution Needs to Suit Your Circumstances

Credit Debt Advice in the UK is so widely available but it’s difficult to tell if it applies to your circumstances ... . If you are UK resident, are worrying about these testing times and maybe have that awful sinking feeling that payments to credit cards & unsecured loans etc are not getting any easier to meet, ... [more...]

Date: 2009-01-14 06:30:18


== The Debt Elimination Industry is BOOMING! ==

Credit Card debt is at an all time high, in fact it’s up to 2.8 Trillion Dollars. This means Millions of Consumers are in debt & need help! ... from harassing collectors. A service like this could be priceless. Click Here&gt [more...]

Date: 2009-01-16 03:52:10


Eliminate Debt Faster Using the Credit Card Snowball Effect

by Phil Crafton Americans have on average three credit cards per household carrying a combined balance of nearly 12, ... that plan will take you, no where on the path to debt elimination. You will simply sit and spin your wheels ... in your debt elimination. Snowballs start out small and unassuming by rolling them around [more...]

Date: 2009-01-14 13:59:46


Take the Bills IQ Test

I just took the Bills IQ test. I didn't get a very good score. My overall score was a 63%, which is actually a D ... to consider Debt consolidation. By paying off high interest credit cards first I could be closer to achieving Debt relief. I also learned that I really should have some sort of plan with my finances. I guess [more...]

Date: 2008-07-22 14:55:00


Solve Your Money Issues

There’s a saying that goes “you’ll get out of it what you put into it” ... I’ve learned from the quiz. Debt consolidation is when you consolidate multiple credit lines into one low interest loan or credit card - it typically involves a debt consolidation loan, but could [more...]

Date: 2008-07-21 20:34:00


Dicing With Debt

Dicing With Debt Posted in January 15th, 2009 Category:Debt Relief Britons are taking on record levels of mortgage and credit card debt, with figures released last year showing that UK personal debts far out weigh that of our European neighbours. For those in need of help with financial problems then the Citizens Advice Bureau [more...]

Date: 2009-01-15 07:42:47


No Credit Cards.

Unlike me who has more than one credit card at the moment, my dad doesn’t own any even just one ... consolidation where they pool altogether one’s outstanding credit card dues and offer them at lower ... . He says, that he doesn’t want to incur any debt or debt loans in any form. He’d rather pay [more...]

Date: 2008-12-10 10:06:35


Free Downloadable Suze Orman Book from Oprah

Here’s a quick reminder that Suze Orman will be on The Oprah Winfrey Show this afternoon to discuss jumpstarting your personal finances in 2009 ... within your means, rather than running up credit card and HELOC debt leaves you better able ... to topics like credit, retirement investing, spending, real estate, and “protecting yourself” [more...]

Date: 2009-01-08 17:53:44


Facing Debts after Wedding

After my personal experience in the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some ... . 3) Debt Collection Agency: So finally I just want to introduce this website which can be helpful ... much debt. The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]

Date: 2009-01-15 15:04:28


Debt consolidation is becoming more popular

Debt consolidation is becoming more popular Filed under: Business and Office, Computers and/or Internet, General Life, Money, Shopping; I’ve been hearing a lot more people talking about debt consolidation plans in the past few months.  They are worried about their credit card debt because so many of them are using their credit [more...]

Date: 2009-01-10 22:25:33


Consolidating Debt

With the bad market now, a lot of people turn to get help to consolidate debt ... or pay off credit card bills. By the way, various programs are available for consolidating debt ... that is applicable to you. Technorati Tags: Debt,Consolidation,Credit Problem [more...]

Date: 2008-09-18 19:32:03


Death of the Balance Transfer Arbitrager

Jim writes about personal finance at Blueprint for Financial Prosperity ... in on the game, getting about $15,000 in credit card debt and earning a little interest on the side ... from a credit card. My list of no fee 0% balance transfers was so long I left some cards off simply [more...]

Date: 2008-09-02 12:55:18


Collection Agency calling from 571-431-1958 (Washington, VA)

Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]

Date: 2009-09-25 19:53:49


Be Debt Free with Bills IQ

My husband and I just bought a house a few months ago ... our two cars are paid off, we still have credit card debt. I don't like debt and I'd like to be out it if I could help it. With our situation right now, I have considered debt consolidation to help lower [more...]

Date: 2008-07-08 18:19:00


1 Penny = 1 Billion Dollars

Taking a look at these humorous cartoons about how high gas prices were this summer, ... . We can use that extra money to either pay down our credit card debt, save more money or give our kids ... . Photo Credit: jackslife Advertisement: Real Estate Investing Forums Discuss real estate, network [more...]

Date: 2008-12-05 19:44:34


Twitter Tuesday Profile: @MeWithoutDebt

It wasn’t one big splurge like a boat or a car that pushed our next Twitter Tuesday Profile into nearly $30,000 worth of credit card debt. It was small, menial purchases put on plastic that piled up over time. While this single 30-year-old research assistant in Washington DC prefers to remain anonymous, they are very open about their personal finances on their blog, MeWithoutDebt.com and through their Twitter account, @MeWithoutDebt. [more...]

Date: 2009-09-29 11:57:04


How To Take The Challenge of Credit Card Debt

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:23:30


Learning to Deal with Credit Card Debts

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:26:44


Don’t Worry, Be Happy: Surviving the Financial Crisis?

Are you surviving the financial crisis? While the mainstream media seem more interested in spinning stories of foreclosures, ... a credit card balance, or like my wife and I, added a photovoltaic system to power our all-electric CitiCar ... Americans are exiting the debt-based economy, paying off credit cards, canceling car loans, paying [more...]

Date: 2008-11-20 04:12:42


Financial Statement Basics - Overview

The Only difference between Rich and everyone else is that, Rich know how to read Financial Statements and how to analyze them ... , Reducing expenses, Debt reduction, Credit card debt elimination, Spend less than you earn and every [more...]

Date: 2009-01-13 17:24:00


You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... of your salary that goes for necessities such as mortgage, car loans, credit card payments, utilities, other loan ... . This is the income you can devote to reducing debt. Next, decide which loans and credit cards [more...]

Date: 2009-01-14 23:27:42


People Here Don’t Give A Crap What Kind Of Car We Drive.

And believe me, that is a welcome relief after living in Los Angeles for 13 years ... too much, and just charged myself into credit card debt - all to try to impress other people. I fell ... not afford and tens of thousands of dollars in credit card debt…for nothing! What did I have to show [more...]

Date: 2008-08-27 13:00:54


Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00



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