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Credit Counseling -- Why It Doesn't Work for Most Debtors
"Cut Your Payments in Half!" the headline screams. "Consolidate Your Bills into One Low Monthly Payment!" When you see ads like this, they are often from Credit Counseling firms. In this article, I'll explain the principles behind the Credit...
Debt Settlement
What is debt settlement? Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay. The reduction...
Getting Into Business: Don’t Start It! Buy It!!
Many of us have felt the entrepreneurial pull of running our own business at one time or another. The allure of being your own boss can be really strong, and it’s no wonder. Small business ownership and its operation has proven to be one of the...
Investment Property: Part 1
1. Investment Property
What exactly is an investment property? Since this is real estate investments 101, we will explain. An investment property is a piece of real estate you invest in with the objective of earning a return. Primary...
What can debt reduction companies do for you?
Getting help from debt reduction companies is one of the best
ways if you cannot handle your debts. But there are several
peoples who don't know what can debt reduction companies do for
you? Debt reduction companies are proven authorities in...
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Credit Repair Collection Agency
Credit repair and collection agencies go hand in hand since one
is out to get the other. In other words, we sometimes run from
our debts taking advantage of a kind gesture. Collection
agencies are not as kind as the lenders so therefore be
waring...the collection agencies are on the loose.
We must understand how collection agencies work in order to find
a way to stop hassling phone calls and letters. Collection
agencies are a third-party source hired by creditors after the
creditor has made every attempt to collect a debt without
success. Collection agencies will search high and low and often
play nasty little tricks trying to hunt you down.
If you changed your address and typed your credit card into an
online database, do not be surprise when the debt you tried to
outrun catches up with you. Collection agencies tap into all
types of resources in an effort to hunt down debtors. Collection
personnel searches through phone directories, databases online,
makes phone calls posing as a friend to luring the debtor in,
sifts through the records at the post office, and so on.
There is no stone unturned when it comes to collection agencies
in a search to find a debtor. The upside is many of the
collection agencies make mistakes by hiring low waged servants
to handle the job of finding debtors. When they are sifting
through the files, they often loose contact since they have
millions of records each day. Now if a collection agency has
affiliation with the three big bureaus then they have access to
information that independent collection agencies do not have.
If you are in a financial bind that makes it difficult to repay
your debts, you will need to consider loosing your self and
leaving no traces when you leave. If you move do not freely hand
your information, including address, phone, city, or other
information to anyone you do not trust. When you set up a phone,
account be sure that you have your phone unlisted. Do not apply
for loans, credit cards, or anything that requires information
from you. It is important to keep a low profile in
your new area
to avoid complications.
This is the ultimate solution if find no other solution for
getting out of debt. Problem! The problem with running away from
your debts is that in time it will catch up with you no matter
how cautious you are. If there is no other way out then
sometimes, we have to take a leave of absence, but if there is a
solution, we need to search all options available to us first.
One solution is negotiation.
If you are hassled by creditors, it is time to send a letter
recognizing your situation and asking for an extension on
payments. If you make regularly payments working the debt down
then you are on the right road to credit repair. If you debt has
reached the collection agency you might want to call your
creditor and ask them to take back your debts.
This means you will set up a plan to repay the charge against
you and continue paying until that debt is paid in full. In
return, your creditors will contact the collection agencies and
let them know the debt is in current resolve.
Do not miss a payment when the creditors take back your debt.
This will only frustrate the creditors since they were free to
give you a second chance. If you call your creditors and ask for
a take back on your debt and the creditor denies you but gives,
you the opportunity to contact the collection agency to set up
payment plans...by all means do it! If you are lucky enough to
hear this from a creditor and the creditor as promises takes
back your debt after you paid off the collection agency, you are
taking steps to rebuilding your credit.
When you are in debt creditors will contact you first for up to
four weeks in an attempt to collect. When you fail to make
payments, the creditors contact the collection agencies who then
pursue the debt. To avoid collection agency hassles deal with
the creditors.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
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| Negotiation - Wikipedia, the free encyclopedia |
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| Global Trade Negotiations Home Page |
| The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
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| Principled Negotiation |
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| Salary Negotiation and Job Offer Tutorial |
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| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
| Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
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| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
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| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
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| Apache Content Negotiation |
| Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
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| JobStar--Salary Negotiation Strategies |
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| Negotiation Articles |
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| Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
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| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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