|
Get Out Of Debt Faster With Debt Stacking
Each month you pay the minimums and although you KNOW you've got a handle on it - you are not charging your credit card or accumulating new debts anymore - it seems that you will be paying the minimum fees forever. Did you know that HOW you pay...
How to manage your debts
There are a lot of times in your life when you need a loan.
Maybe you want to buy your first house or your first car. Or
maybe you want an electronic object, a very good computer or
other things that you want to buy and you don't have money....
Nurse your credit rating with debt counseling
The most important first step you should take is to admit that you have a financial problem. As soon as you do that, you have taken a very big leap towards positive debt counseling and will soon recover from your debt problems. As they always say,...
Shorn Of The Debt Responsibility
With UK personal debt spiralling out of control beyond the £1 trillion mark at a rate of £1m every four minutes, and the number of declarations of bankruptcy on the increase, the Government has finally implemented measures to ensure lenders know the...
The Human Side: Debt Stress
In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, and can have a very negative effect on your life,...
|
|
| |
|
|
|
|
|
|
How to STOP Debt Collectors From Harassing YOU.
How to Get Debt Collectors to STOP Harassing You. Give Them the
NO Contact Order!!
By ElmerFizz.com
http://www.elmerfizz.com
If you've been a victim of job loss, medical emergency or other
cause of income loss, you may be one of the millions of
individuals facing a pile of debts that you cannot cover. Miss
one or two payments and you can expect to get a call from a debt
collector.
Calls from debt collectors trying to find you at your place of
employment can be humiliating. You may already be screening your
calls, your chest tightening as you realize it's them - again.
While not every debt collector is unsympathetic and berating
they likely do have to steel themselves for many of the sad
stories given to them as explanations for past due debts. They
are also frequently rewarded for their efforts in collecting the
debt with a commission based on the amount obtained. It is easy
to see why it is not uncommon for individuals who are already in
a desperate state to fear encounters with the more aggressive
collectors who are determined to get their fees.
"What Are They Allowed to Do?"
Debt collectors are allowed to contact you by in person, by
mail, by telegram, by fax and by phone; at home or at work -
unless they know your employer would disapprove. They may also
not contact you before 8 a.m. or after 9 p.m. unless you have
agreed to the contact at that time.
They must contact your attorney unless you don't have one. They
may then contact other people to find out your telephone number,
work place or address, but in most cases they are not allowed to
inform them that you owe money or contact them more than once.
"What If I Don't Want to be Contacted?"
Whether or not you actually owe a debt you can write a letter to
the collector telling them to stop contact. They may then
contact you
only once to inform you that they will make no
further contact or to tell you what action may be taken against
you.
Stopping contact will not clear the debt. If you do not believe
you owe the debt make that clear in your letter.
"What Can I Do If I Am Harassed?"
The FTC (Federal Trade Commission) has a Fair Debt Collection
policy to protect consumers. Knowing your rights will put off
even the most determined collector since they already know the
law and are pressing you on the assumption that you don't.
Debt collectors are NOT allowed to harass, abuse or oppress you
or other individuals on your behalf - that includes obscene
language, threats of violence or repeated calling in an effort
to annoy.
They are not allowed to misrepresent themselves as government
agents, attorneys or representing a credit bureau if they are
not. They cannot imply they are sending legal documents if they
aren't or that you've committed a crime, if you haven't.
They cannot imply legal action, including seizing property or
garnishing wages unless they are legally allowed and intend to
do so.
You can find out more about your rights from the FTC. If you
want to report an agent you can do so by contacting the FTC or
your Attorney General. If they are breaking the law you have the
right to sue.
-----------------------------------------------------------------
---------------
This article may be reprinted for personal use or on your
website if the content is left unchanged including this
resoource box. http://www.elmerfizz.com
http://www.crazyhealthnut.com For More reprint articles see
http://www.elmerfizz.com
-----------------------------------------------------------------
---------------
About the author:
For More Reprint Articles see: http://www.elmerfizz.com
|
|
|
|
|
| Advertisements Promising Debt Relief May Be Offering Bankruptcy |
| Cautions consumers about ads in newspaper, magazine and telephone directories that offer quick fixes for debt problems. |
| www.ftc.gov |
|
| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
|
| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
|
| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
| The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and ... |
| www.imf.org |
|
| Special report: debt relief | Special reports | Guardian Unlimited |
| February 6: A year ago the Guardian set out to track the west's promises of action for Africa on aid, trade, health and debt relief. As G8 finance ministers ... |
| www.guardian.co.uk |
|
| Debt Relief Options - Findlaw for the Public - |
| Welcome to Debt Relief Options. This section contains information about the ... To begin, select one of the Debt Relief Options topics from the list below ... |
| bankruptcy.findlaw.com |
|
| William Brewer |
| The Brewer Law Firm. William E. Brewer, Jr., Attorney at Law Board Certified Consumer Bankruptcy Specialist. 619 N. Person Street Raleigh, NC 27604 ... |
| www.debtrelief.com |
|
| Debt Relief - InCharge Debt Solutions |
| There are many ways to get out of debt, for good, and it may be easier than you think. The first step is knowing your options, the second step is taking ... |
| www.incharge.org |
|
| Economic Policy and Debt |
| May 2006, IMF And World Bank Support Cameroon’s Completion Point Under The Enhanced HIPC Initiative And The IMF Immediately Grants 100 Percent Debt Relief ... |
| www.worldbank.org |
|
| Economic Policy and Debt - The Enhanced HIPC Initiative |
| The Initiative’s debt-burden thresholds were adjusted downward, which enabled a broader group of countries to qualify for larger volumes of debt relief. ... |
| www.worldbank.org |
|
| Debt relief - Wikipedia, the free encyclopedia |
| Debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. ... |
| en.wikipedia.org |
|
| Debt Analyzer, Debt Reduction Software, Home Page |
| Debt Elimination at its best! Potential savings of hundreds or thousands of dollars! Build debt reduction, timed elimination or consolidation schedules. |
| www.debtanalyzer.com |
|
| Superior Debt Relief |
| We help you get rid of credit card debt much faster than you may believe possible with credit card debt settlement and negotiation tactics, providing debt ... |
| www.superiordebtrelief.com |
|
| Debt Relief - Social and Economic Policy - Global Policy Forum |
| Aid Inflows, Debt Relief Yet to Translate into Reduced Poverty (March 20, 2006) ... Fearing that the IMF could tie debt relief to economic benchmarks, ... |
| www.globalpolicy.org |
|
| Debt Relief - Global Policy Forum - Social and Economic Policy |
| Debt Relief - Global Policy Forum - Social and Economic Policy. The Debt Relief Page Has Been Moved to: ... |
| www.globalpolicy.org |
|
| BBC NEWS | Business | Q&A: African debt relief |
| BBC News looks at the progress of international debt reduction efforts, and the sticking points which continue to hamper the process. |
| news.bbc.co.uk |
|
| Debt Relief Australia - Start Reducing Debt Today! |
| Debt Relief offers Australians in debt assistance with finding the most appropriate debt relief solution. |
| www.debtrelief.com.au |
|
| Debt Consolidation Australia, Debt Relief & Bankruptcy Information |
| Specialising in debt agreements, mortgage refinancing and bankruptcy. Company profile, calculators, solutions, media releases, testimonials and existing ... |
| www.foxsymes.com.au |
|
| Oxfam - Debt and Aid - Debt Relief for Nicaragua: breaking out of ... |
| Oxfam policy paper on relationship between international debt servicing and poverty. Linked to table of contents and also zipped for download. |
| www.oxfam.org.uk |
|
| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
| www.csmonitor.com |
|