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When a debt has been left unpaid for a long time, creditors will usually pass on their duty to collect to an independent debt collection agency. However, there are debt collection agencies that violate consumer rights as stipulated in the Fair Debt Collection Practices Act. If you are in a similar situation, below are smart tips for you:

If dealing with your creditors and debt collectors is starting to stress you out, there are steps that you can take to regain your composure. The following advice is based on the stipulations of the Fair Debt Collection Practices Act. At the end of this article are tips on how to deal with debt collectors [...]

Creditors usually transfer the collection of debts that are long past due to a collection agency. Many consumers have experienced problems in dealing with a collection agency. Some agencies have been known to violate the rules stipulated in the Fair Debt Collection Practices Act. As a borrower, you have the right to dispute and stop [...]

With the recent economic slump, more people struggle with debt repayment and are in need of help. Is debt consolidation the answer? Can you really count on it to be debt free and enjoy financial stability? Different Methods of Consolidation Any kind of debt that is not secured by collateral can be consolidated. Student loans, [...]