Carreon and Associates Blog

Posts Tagged ‘Personal Finance’

Helpful Debt Collection Resources

September 5th, 2009

A collection of helpful resources for debt and collection issues. With the new credit card rules in affect, you need to check your credit now and use any of the resources below for debt related issues.

Gold and Platinum Cards [PDF]If you’re looking for credit, be wary of some ‘gold’ or ‘platinum’ card offers promising to get you credit cards or improve your credit rating. Lists tip-offs to rip-offs.

Fair Credit Billing [PDF]

The Fair Credit Billing Act establishes procedures for resolving billing errors on your credit card accounts. Includes sample dispute letter.

Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education [PDF]

Advises consumers about the new bankruptcy law requiring credit counseling before filing for bankruptcy and debtor education after filing.

Credit and Your Consumer Rights [PDF] [en español]Explains credit laws that protect your right to obtain, use, and maintain credit. Offers practical tips to help you solve credit problems.

Credit Repair: How To Help Yourself [PDF] [en español]Cautions consumers about companies that charge hundreds, even thousands of dollars, but don’t deliver on their claims. Truth is, no one can legally remove accurate negative information from a credit report. Explains how to legitimately improve your creditworthiness.

Creditors Seeking Federal Benefits in Your Bank Account? Understanding Your Rights [PDF]Explains what you need to know about garnishment of federal benefits from your bank account.

Debt Collection FAQs: A Guide for Consumers [PDF] [en español]Answers commonly asked questions about your rights under the Fair Debt Collection Practices Act, which requires that debt collectors treat you fairly and prohibits certain methods of debt collection.