Welcome to our Credit
Library Here you will find a topic
for every possible debt, credit or legal issue. This is where
smart consumers come to research statutes, codes, cases, creditor
information, consumer rights and everything about credit repair.
Within each article below is a host of hundreds of additional
links that relate to that subject so be sure to visit the
page to get valuable information. We think we've covered it
all but If there is a site or article you want listed, please
let us know. Some link
inside our site while others may link to an outside source
offering valuable information. Check all four categories below-
Credit, debt, legal and miscellaneous issues. For more in
depth articles, join our
site.
CREDIT ISSUES
COLLECTION OR DEBT ISSUES
MISC. ISSUES
The
Credit Bureaus The credit bureaus are savvy. Understand how the
new breed operates
Sample
dispute letters Get sample dispute letters for creditors, collection
agencies and credit bureaus (purchase required)
Oh
no another credit bureau Is there a new credit bureau on the horizon? You
bet and it's called "Innovis". Consumers had
enough to worry about with the "Big 3" and
now there is a 4th!
The
FACT Act
The Fair and Accurate Credit Transactions Act: How it
works
Credit
and Consumer Rights A good credit rating is very important. Businesses
inspect your credit history when they evaluate your
applications for credit, insurance, employment, and
even leases
Divorce
and debt Information and helpful links regarding divorce,
debts & bankruptcy
Battle
the debt collectors & win Learn to deal with nasty debt collectors and win!
Find out your rights and how to stop harassment
Debt
collector FAQ More about debt collectors, as this topic can never
be discussed enough. Learn to think like a debt collector
and arm yourself for battle
1099-C
Factor Did you know that a charge off is considered income?
You need to know this information because it can be
considered income
Collection
agency list Find a collection agency that you are receiving
notices from or get an address to send a C&D to
Bankruptcy
FAQ Are you considering BK. or filed? Find out what
rights you are entitled to under the BK code. BK resources
too
BK
and Statute of Limitations What if I filed Bankruptcy and it was dismissed.
What is the statute of limitations, the date last paid
before the BK or the date of the BK petition to promise
repayment. Here is an excellent article that answers
just that.
Debt
Collection laws nationwide Complete list of what is required by each state
to become a debt collector, bond information, statutes,
limitations and information on garnishments
Tax
Liens Everything you need to know about settling taxes
and state and federal rules
Medial
Collections Information about the HIPAA Act, your privacy and
debt collectors regarding medical bills and collecting
them
FDCPA
Help
Understand how this powerful law protects you
State
Vs. Federal Rules The Supremacy Clause and Federal Preemption - State
Law versus Federal- Which rules?
Your
Rights You have rights under federal laws. Find out your
consumer rights for credit and debt
Repossession
Law Have you had your car repossessed or fear repossession?
Find out what lenders can and cannot do to you
Student
Loan Rehabilitation This is the Act itself and what to expect or do
if your loans have not been reported right. You have
numerous rights under the Higher education act. Find
out
Complete
US Bankruptcy information Business Bankruptcy Predictor; Bankruptcy Exemptions
for all States; Lawyer Locator covering over 2,600 lawyers
in all states
Statute
of Limitations (SOL) Find out the SOL for your debts & judgments
before you pay! Not knowing can hurt you
Passing
bad checks Stiff penalties apply. Learn what can happen for
passing bad checks in your state
Small
claims court File small claims court forms today using the information
provided here
State
Attorney Generals State Attorney General web sites for researching
your state's debt and credit protection laws including
consumer collection and harassment laws
Summary
of your Federal FCRA Rights Because your credit report contains private information
about you, it is important that you know your legal
rights as a consumer
Graham
Leach Bliley Act Protect your personal financial information and
understand how this Act helps you
Canadian
Credit Find a list of the most popular and most recent
Canadian links
Student
Loan Resources Find out everything about student loan default,
rehabilitation and deferment. Over 5 pages of detailed
information to help you out now
Financial
Calculators Please try our wide variety of financial calculators
including Mortgage Calculator, Business Valuation Calculator,
1040 Tax Calculator and many more. Interactive calculations,
dynamic graphs and fully customizable reports are just
a few of the features that make our calculators stand
out!
All articles and information contained
within this site are thought to be accurate at time
of publication. We offer no warranties or guarantees
and do not control the content of external links. Please
read our disclaimer.
We do not offer legal or tax advice to anyone.
