With the exception of certain attorneys acting on behalf of their clients, a person who directly or indirectly engages in debt collection, including a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts.
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Debt collector can be one of life's most stressful experiences. Their tactics include harassing calls, threats, and use of obscene language. A collector may embarrass you by contacting your employer, family or neighbors. They may even hound to pay a debt that is not rightfully yours. There are limits on how far a debt collector can go.

The Federal Fair Debt Collection Practices Act (FDCPA) sets the national standard for collection agencies. The FDCPA, enforced by the Federal Trade Commission (FTC), prohibits abusive collection tactics that harass you or invade your privacy. (15 USC §§1692-1695) The full text of the FDCPA is found at Federal Fair Debt Collection Practices Act [Read More!]

Are you having trouble paying your bills? Receiving notices from creditors? Are your accounts being turned over to debt collectors and are you worried about losing your home or your car?

Many people face a financial crisis right Now! This situation maybe caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. Your financial situation doesn’t have to go from bad to worse.

If you know your in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt negotiation is yet another option.
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Your education and maybe your experience has brought you to think that some debt is ok to have. Borrow for a home or college is an investment in your future and your life is ok ..right? It is obvious that what makes these debts turn bad is when you borrow more than you can afford. The traditional or old school saying is to pay cash and avoid debt. But that worked years and years ago when you got to keep more of what you earned and even when cash was not a debt note with up to 30% interest! The philosophy was not that those who died with the most toys are the winner. Those generations were more educated and conservative about your financial decisions. [Read More!]

There are signs of the economy turning around from massive debt, the job market has yet to recover, or even show signs of stabilizing. That's what we are told in spite of our national debt at record heights. But how can that be. Signs of a recovery? Where? Only in the mouths/minds of the National media. Home foreclosures credit card debt is driving folks to file bankruptcy, seek settlement options, or just ignore the debt. Do you know the consequences of and of these debt relief programs being offered.
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We can show you the way out of secured and unsecured debt. We are not going to pressure you into making a decision about one of our several debt solutions. We tell you the up side and down side to each program. The goal is to educate/inform you and whether you move forward with us or not the information with expedite your ultimate decision. [Read More!]