Things To Know About Your Old Debts
As we incur debt during life, we build a credit history. This is evident by the way our credit reports get longer every few years. As we get older, so…
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Things To Know About Your Old Debts
Some FAQ About Debt Collectors & Debt Collection
If you owe a debt, a debt collector is entitled to collect it from you. However, a debt collector must act within applicable state and federal laws when trying to…
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Some FAQ About Debt Collectors & Debt Collection
You Have Rights Against Debt Collectors
As a consumer, you have rights related to the third-party collection of your debts. The Fair Debt Collection Practices Act (FDCPA) is a significant federal law that regulates debt collection…
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You Have Rights Against Debt Collectors
A Primer On Credit Reports
A credit report is a summary of how a consumer has used his or her credit accounts. Credit reports are used by potential lenders and creditors to help them decide…
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A Primer On Credit Reports
The Business Of Selling Debt
Many bankruptcy clients are somewhat surprised to discover that their unpaid debt is a business commodity like any other good or service and that it may not only be assigned…
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The Business Of Selling Debt
Tired Of “Pre-Approved” Credit Offers? Here’s How To Opt-Out
When the major credit agencies receive a request to pull a consumer’s credit report, they add the consumer’s name to a marketing list and package his or her financial information…
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Tired Of “Pre-Approved” Credit Offers? Here’s How To Opt-Out
How The FCRA Protects Consumers, Part 2
The Fair Credit Reporting Act (FCRA) empowers consumers throughout America with important rights regarding the collection and dissemination of their credit history. The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau…
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How The FCRA Protects Consumers, Part 2
How The FCRA Protects Consumers, Part 1
The Fair Credit Reporting Act (FCRA) provides consumers with many rights related to the collection and dissemination of their credit history. Here is part one of a summary of the…
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How The FCRA Protects Consumers, Part 1