The Fair Debt Collection Practices Act FDCPA in Plain English
Congress enacted the Fair Debt Collection Practices Act (FDCPA) to address the “abusive, deceptive, and unfair” practices of debt collectors. This article tells you what credit collection agencies can...
View ArticleSurprising Facts Bill Collectors Won’t Tell You
The Fair Debt Collection Practices Act covers your rights as a consumer in debt. However, this is not your only weapon in your anti bill collector arsenal. Debt collectors can only come after you for...
View ArticleGotta Love That Cease and Desist Letter!
The Cease and Desist letter, otherwise known as the C&D, is quite possibly the most powerful tool available in your arsenal of tactics against debt collectors. It is one of the most simple ideas...
View ArticleKnow Your Rights About Bill Collectors
As someone in debt, you have more legal rights than you could possibly imagine. In fact, bill collectors are extremely limited in how they can contact you. They are also greatly restricted on how...
View ArticleHow to Stop Wage Garnishments
A writ of garnishment is when part of your wages are withheld and sent to your creditors. It can only occur after a court order following a judgment against you. If your employer receives a writ, there...
View ArticleHow to Avoid Being Sued for Debt
Although this article is about how to avoid being sued for debt, it should probably be (more accurately) called How to Stop Bill Collectors From Seizing Your Car, Your House, and your Personal...
View ArticleTenancy by the Entirety : How to Protect Your Assets from Creditors
Tenancy by the entirety is a tool you can use to outwit debt collectors. It allows a husband and wife to own property together as a single legal entity. Why should you care about this legal tool?...
View ArticleThe Secret Weapon Against Debt Collector Harassment
If you are a victim of Debt Collector Harassment, take a leaf out of Craig Cunningham’s book. Cunningham owes $100,000 in debt, and he’s inundated with calls from debt collectors. But he doesn’t mind:...
View ArticleHow to stop creditors from calling you
If you want to stop creditors from calling, you’re going to have to pick up the phone and talk to them. That may seem counterintuitive (why the heck would you want to talk to them?), but you–like...
View ArticleCease and Desist Letter: Vital Information Often Overlooked by Debtors
Thinking of writing a cease and desist letter to your creditors? (See this article for a sample cease and desist letter). It’s not as simple as writing a letter to your creditor telling them to stop...
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