DEALING
WITH DEBT COLLECTIONS: PROBLEMS AND TIPS If
your experience with a debt collector has been a positive one, good
for you-- you are one of the lucky ones. For the majority, their
experiences have led them here seeking hope and a way out of the
harassment. Yes, if you owe a debt, they have the right to
collect that debt but at what cost? Many consumers' have suffered
health and emotional problems after dealing with the likes of some
debt collectors who find pure pleasure in the chase of collecting
a debt.
In
my years of being a debt collector, I was constantly amazed how
some of my co-workers treated people. Telling people such things
like "You know you incurred this debt with the intent to commit
fraud right? Because your not paying it!" In reality, that
had nothing to do with why the debt went unpaid. Their job was to
collect not counsel a person. It
was not until I transferred over into the credit union field that
I began to see real respect for the debtor.
I
was fortunate enough to work with very caring professionals who
looked at everyone as a member, not a debtor. Before I got into
the credit union field, I worked and trained at numerous collection
agencies, attended the seminars and meetings and do you know what
the topic always was? What method a collector used to trick a person
into paying or what illegal act they committed just to find the
person!
The remainder of this article
plus many more credit repair and debt collection defense articles along
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"I
cannot believe the amount of information I received for a one time fee.
I was searching all over the Internet and thank goodness I found you before
I paid anyone else! I am so glad I found your site and you are angels
to offer all that you do. Thanks again and again!" Debbie R.
It never
occurred to me until I read your articles that you could sue the collection
agency and/or attorney for FDCPA violations. The small investment of $49.95
was the best deal I've encountered in my life. Not only have I erased
almost $50,000.00 in credit card debt, I made money to boot.
The only thing stopping anyone from repairing their own credit by civil
suit is fear of the unknown." Mark via email.
"I
don't ever want to lose this website. It is the most wonderful, helpful
site for us debtors. Thank you so much. I must
say your site is the GREATEST, DON'T EVER GO AWAY. You have
helped so many people by informing us as to how to defend ourselves. A
lot of the information you give, I never knew. I have had to use it to
help myself and my niece. We had to go to court and won thanks to your
website. Tell Kristi and her staff to keep it up, there are more people
out there that don't know." Caroline H.
"I
can testify how well settling your own debts are. By far the most effective
and in expensive way to handle your own debts. I have been working with
these same debt settlement methods for almost four years, I was "drowning
in debt" after suffering with, and ultimately losing my wife to a
terminal illness. The 3 1/2 year medical costs, treatments, and final
bills were enormous. However not wanting to file bankruptcy, I was able
to negotiate virtually every debt and am now seeing the end results: Complete
and final end of indebtedness with a CLEAR conscience!! I can never thank
Carreon and Associates enough for all of the assistance you have provided
to me. Your advice and encouragement assisted me beyond measurement!!
Thank you ever so much, and GOD Bless You All." Dusty P.
"
Thank you! Your site has proved most helpful over the past few years -
I don't know what I would have done without the knowledge I've gained
from you." Susan M. via email.
"I
am not done, but just wanted to let yall know of success I have had with
this ebook. I have gotten rid of over $5000.00 in debt and have raised
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Do you need to fix
your credit? Hire a pro or Do
it yourself with all the tools a pro would use.
Do you need to settle
your debts?
Consider debt negotiations either by a
pro or DIY.
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debt?
Credit counseling can reorganize your debt, get you out of collections
and give you one affordable monthly payment through counseling or
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ebooks, Ask the Expert, articles, legal research and more!