Finally, I got smart. There is a law, Called the Fair Debt Collection Practices Act, or FDCPA, that regulates how debt collectors are allowed to contact you, including how often, where they can call, and what they can say.
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They are easy to hate, aren’t they? They call you and demand money for something you couldn’t pay for in the first place. They try to help you ‘find’ money by taking out additional loans, or by borrowing from family. They want you to make payments. They are even willing to waive the interest they charged you. Becky has a JC Penney card, issued by GE Money Bank. She has never been late (she showed me her payment history online), and is well below her credit limit of $400.00. A few days ago, right after she made a large payment and paid the card off, she got a letter telling her that her credit limit would be reduced to $100.00 or her current credit limit, whichever was greater… Your life is already tough. Going through a divorce is one of the hardest things you will ever do. It touches every part of your life, and you need to protect yourself while going through it. Your life is already tough. Going through a divorce is one of the hardest things you will ever do. It touches every part of your life, and you need to protect yourself while going through it. Remember, it is you taking care of yourself now. You HAVE to stop thinking about things as a member of a couple, and start thinking about things as a single person again. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: Banks are increasingly covering overdrafts, and charging a large fee for the ‘privilege’ of not having a bounce on your account. Now, personally, I would rather not be able to pay for something than have to eat a $34.00 fee from my bank. But the banks don’t always give you that option. n Tip 1, I am asking you to start managing your money. This is critical! You are starting fresh, and it is very easy right now to damage your credit. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: In Tip 6, I discuss how changing your spending habits now can help you in your new life, especially if your financial status will change. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: In Tip 6, I discuss how changing your spending habits now can help you in your new life, especially if your financial status will change. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: In Tip 6, I discuss how changing your spending habits now can help you in your new life, especially if your financial status will change. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: In Tip 6, I discuss how changing your spending habits now can help you in your new life, especially if your financial status will change. Debt collection companies are serious about finding you. They pull out the stops to try to make sure they can get your money. The first couple of entries are already on YouTube, and you can see them here: |
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