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  1. Should I file Chapter 7 Bankruptcy?

    by , 07-10-2012 at 06:36 AM

    So you're wondering whether you should file bankruptcy?

    People who rack up a bunch of debt sometimes ponder if it makes sense filing for chapter 7 bankruptcy to get rid of the debt. There are lots of reasons for which bankruptcy can make sense whether chapter 7 or chapter 13. But you need to realize that this decision does bring consequences, and it is also certainly not always the best option.

    Should I discharge my debts in bankruptcy?
  2. Debt Collection

    by , 08-13-2011 at 07:10 AM
    If you are falling behind your monthly debt payments, a debt collectormay contact you to collect the debt on behalf of your creditor. Fair Debt Collection Practices Act (FDCPA), enforced by the nation’ consumer protection agency The Federal Trade Commission (FTC), prohibits debtcollectors from using unfair, abusive, or deceptive practices while collecting the debt from you.

    To the FDCPA, a debt collector can be anybody who regularly collects debt. It may be a collection agency, ...
  3. Know How to File a Lawsuit against Debt Collection Agency for Harassment

    by , 08-08-2011 at 05:30 AM
    If you are missing to make your debt payments and feeling apprehensive that your lenders might sell the debts to a collection agency, then you do have reasons to worry. The collection agency doesn’t have the power to put you behind the bars, but they can certainly drive you crazy by repeated phone calls, millions of mails and billions of e-mails. Debt collectors often bend or break the rules of collecting debt and sometimes stoop to such an extent that collection efforts turn into sheer harassment. ...