Credit Repair and Debt
34 Articles & Excerpts
More Americans Become Bankrupt Due To Medical Bills
by eNotAlone.com
Medical bills are responsible for more than 60 per cent of personal bankruptcies in the Unites States, reports a new study by Harvard Medical School. And what is interesting, 75 per cent of the bankruptcy filers had health insurance.
Bankruptcy Lawyers Charge Illegally?
by eNotAlone.com
Bankruptcy lawyers are billing their clients illegally by failing to get approval of the court before collecting fees, says a new report 'Routine Illegality in Bankruptcy Court Fee Practices.'
How to Reduce Credit Card Debt
by eNotAlone.com
There has been a lot of talk recently about Americans being obsessed with credit cards and money spending. It has become known that over 60 million families in the United States carry balances on their credit cards which would mean that their bills
Why We Debt
 Girl, Get Your Credit Straight!: A Sister's Guide to Ditching Your Debt, Mending Your Credit, and Building a Strong Financial Future
by Glinda Bridgforth
Is 'retail therapy' your favorite pastime - even though you really can't afford it? Do you ignore the balance on your credit card statements, vowing to pay them off at some point down the line? Is your debt preventing you from living your dreams
Why Big Debt Has Become the Norm
 Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
Debt has been normalized. Everyone has it, right? So what's the big deal? Now, who do you think makes money off promoting the idea that debt is okay? That it's a normal part of life? Well, banks make money off lenders and borrowers, credit card companies
The Rising Costs of Education
Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
Why does it cost so damn much if it's basically a requirement? We can go to public high schools on our parents' tax dollars because it's required. So why is a college education getting exorbitantly - almost prohibitively - expensive the more we need it?
Why Do We Have So Much Debt, Anyway?
Generation Debt: Take Control of Your Money - A How-to Guide
by Carmen Wong Ulrich
If you're like most 18- to 34-year-olds, you're drowning in debt. Student loans, credit cards, car payments, rent-sometimes it seems like the whole system's conspiring to keep you broke. Now it's payback time.
Credit and Debt
 The ABC's of Getting Out of Debt: Turn Bad Debt into Good Debt and Bad Credit into Good Credit
by Garrett Sutton, Esq.
Learn how to trade bad debt for good debt and maximize credit in this step-by-step guide. Get the details on the fastest ways to wipe out bad debt, as well as simple strategies to maximize one's credit rating.
Reverse Mortgage Facts
by FTC
Whether seeking money to finance a home improvement, pay off a current mortgage, supplement their retirement income, or pay for healthcare expenses, many older Americans are turning to reverse mortgages.
Need a Loan? Think Twice About Using Your Home as Collateral
by FTC
If you need money to pay bills or make home improvements, and think the answer is in refinancing, a second mortgage, or a home equity loan, consider your options carefully. If you can't make the required payments, you could lose your home
Common Secured Credit Cards Scams
by FTC
The ads may offer unsecured credit cards, secured credit cards, or not specify a card type. The ads usually lead you to believe you can get a card simply by calling the number listed. Sometimes the number is not toll-free.
Looking for Credit? Be Wary of Some Gold and Platinum Cards
by FTC
If you're looking for credit, be wary of some 'gold' or 'platinum' card offers promising to get you credit cards or improve your credit rating. Lists tip-offs to rip-offs. While sounding like general-purpose credit cards, some 'gold' or 'platinum' cards
Are You On Debt Management Plan? Things You Must Do
by FTC
Lists must-dos for anyone with a Debt Management Plan, and the steps to take if the credit counselor handling your DMP has gone out of business. Also offers a list of questions to ask when choosing a credit counselor.
Debt Management Plans
by FTC
How is the amount of my payment determined? What if the amount is more than I can afford? Don't sign up for a DMP if you can't afford the monthly payment. How often can I get status reports on my accounts?
Choosing a Credit Counselor
by FTC
Defines debt repayment plans, explains the differences between secured and unsecured debt, and offers questions to ask credit counseling agencies if you consider using their services. Living paycheck to paycheck? Worried about debt collectors?
Debt Collection and Your Rights
by FTC
Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection.
Resolving Billing Errors on Your Credit Card Accounts
by FTC
The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter. Have you ever been billed for merchandise you returned or never received?
Credit Repair: Reporting Accurate Negative Information
by FTC
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.
Credit Repair: Self Help Is the Best Solution
by FTC
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services.
Your Debts and Debt Collectors, Solving Your Credit Problems
by FTC
It is important to check credit billing and electronic fund transfer account statements regularly because these documents may contain mistakes that could damage your credit status or reflect improper charges or transfers.
| 