Do Medical Bills from Cancer Increase the Risk of Filing Bankruptcy?

A recent article by the New York Times reviewed a study of whether medical bills for cancer patients cause more bankruptcies. The researchers found that

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Medical Bills Pushing People to Bankruptcy

Evidence is building that more and more often, medical bills are pushing people into bankruptcy. An article by the Examiner evaluates a study of recent bankruptcy cases, finding that

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Why Should I Check My Credit Report?

The worst thing you can do for your credit is to allow inaccurate or out of date information to remain on your credit report. By simply checking your credit report, you can stay apprised of all suspicious action. Remaining on top of your credit is the best way to avoid having to repair your credit. […]

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When Collection Agencies Go Too Far

How do you know if you are suffering collection harassment, and when is it time to seek an attorney? If you are constantly harassed, embarrassed, or threatened by collection agencies, it is likely you are a victim. According to an article by ABC News, the Federal Trade Commission (

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Spotting Mortgage Relief Service Scams

You hear and see ads all over the place.

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FTC Cracking Down on Mortgage Relief Scammers

The FTC has been busy cracking down on mortgage relief scams. Just this year, the FTC has obtained settlements from over 20 individuals and companies involved with scamming distressed homeowners. Most recently, two individuals and seven companies settled FTC charges that they victimized over a thousand people through

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Protecting Yourself From Mortgage Relief Scams

If you are behind in your mortgage or facing foreclosure, you may have been contacted by one or more companies promising to get your loan modified or your foreclosure stopped. Unsurprisingly, all you have to do is pay a hefty, up-front fee. Blanket guarantees such as these

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The Basics – Fair Debt Collection Practices Act: Who and What

What the FDCPA is and to Whom It Applies Are you being contacted by a debt collector? Whether you are behind on payments, or a creditor wrongly thinks you are, you have rights under the Fair Debt Collection Practices Act (FDCPA). Enforced by the Federal Trade Commission, the FDCPA prohibits third-party debt collectors from using […]

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The Basics – Fair Debt Collection Practices Act: Your Rights

When You Can Be Contacted Unless you agree to it, debt collectors cannot contact you at inconvenient times, like prior to 8am or after 9pm. If you tell them, in writing, to stop contacting you, they generally must stop contacting you altogether. Also, if they are told they cannot call you at work, they may […]

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The Basics – Fair Debt Collection Practices Act: Fighting Back

Stopping Debt Collection Contact If you want a debt collector to stop contacting you, you must write a letter to the collector telling them to stop. It is a good idea to send the letter certified mail, return receipt requested and make a copy of the letter. Once you make that request in writing, the […]

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