Debt and Bankruptcy - HubPages Personal Financeby Jay Walker Jr24 hours agoMultiple debts such as credit cards, mortgages, car loans, unpaid utility bills etc., are difficult andexpensive to manage. Pay them up with a debt consolidation loan and lower your monthly expenses.by Jay Walker Jr2 days agoA Payday loan is a loan that has to be repaid by the next payday.by Jay Walker Jr3 days agoIf you are being refused loans or any form of personal finance, the reason could be your poor creditscore. Read about how to improve your credit history.by Anonymous13 days agoThis is by no means legal advice. I am not an attorney and do not know the law. It is a step by stepprocess for filing your case.by Aaron Blackburn11 days agoIf you have been in an rough patch, you will fully understand why I'm saying all this.by Francine Kas3 weeks agoJust about everyone in the United States has suffered, or is currently suffering some sort of setbackdue to financial obligations. I, for one, have been engulfed in credit card debt. My debt is currentlyunder ten...by Shawn Chong4 weeks agoA lot of people think that credit is a bad thing and so they avoid it. The thing is, without using credit,you do not have much of a hope in ever becoming financially well-off.by Incomeacademy4 weeks agoIf you have debt, paying it off should be your number one priority and this is why...by Mary Elizabeth Guimont4 days agoWeb-sites that offer free credit score. No Trials, No credit Card required.by Kristina Lasher2 months agoToo many Americans live off of credit, which has become the silent killer across the nation. Badcredit can hinder any American regardless of education, or prior wealth.by Justaboutanything2 months agoWhile debt gets a bad rap, it does offer some benefits. You should bear them in mind if you want toget into debt for a good reason.by Justaboutanything2 months agoDebt has its fair share of cons. You need to know what the debt disadvantages are.by Justaboutanything2 months agoYou probably have one or more forms of unsecured debt. You should understand this kind of debt inorder to get rid of it.by Justaboutanything2 months agoKnowing the difference between secured debt and other kinds may mean the difference betweenkeeping your property and losing it.by Justaboutanything2 months agoThe debt glossary refers to a list of major debt-related that you will come across in your journey tounderstand debt and become debt-free.by Justaboutanything2 months agoDebt is everywhere, yet many people do not truly understand what it is. Are you one of those people?Understanding the debt definition is the first step to becoming debt free.by Wendi Pembridge Skilling6 weeks agoI would like to share my experience with Camden Credit, a credit recovery service that offers to geta person qualified for a home loan for a large amount of money. You should avoid at all costs.by Learn More About3 months agoOver-ridden with debt? There is a way out. How debt consolidation can help you deal with multipleoutstanding loans and credit cards and do away with repayment woes.by Jayant Row4 months agoYou get into debt when you spend more than our earn. You can get into debt, when you constantlytry to keep up with the Joneses and keep buying things you cannot really afford.by DinoMommy4 months agoA few years ago, my husband and I purchased our first house. We were overjoyed, our first hometogether where we would start our family. After getting a great deal on a little fixer-upper that hadplenty of square...by HIM7774 months agoA lot of people enjoy their timeshare until they realize their actual obligation to the contract itself;its then that this pleasant pastime can become a real liability. Currently the biggest concerntimeshare owners...by j80caldwell5 months agoWhat's a debt collection letter? A debt collection letter is a notice sent to an individual notifying himor her that an unsecured debt of a certain amount is now owed to a third party collection agency.If...by Paul Maplesden5 months agoFind out what is involved in becoming a debt counselor, how they can help people get back incontrol and learn responsible financial management.by j80caldwell5 months agoDealing with debt is one heck of a mess...right? It all started with just one missed payment; then youstarted getting those annoying phone calls from debt collectors, which was then followed by thoseeven more...by Natasa Shepherd5 months agoA look at how you can get help for your credit problems, from what you need to prepare to what toexpect towards the end.by Paul Maplesden5 months agoThis short article explores what happens when we don't act to pay our debts and encourages peopleto contact their lenders as soon as possible to work out repayment options.by Ryan5 months agoWho Are the UK's Leading Debt Collection Agencies?by Cynthia Hoover4 months agoCan you fix your credit? Can you negotiate with debt collectors? Yes, you can! I will arm you withsome knowledge on how to repair your credit, without paying a firm to do it for you!by Peter Alexander2 months agoI accepted foreclosure due to unexpected incarceration due to probation violation. I don't accept theBanks & their Property Manager keeping over $300,000 of my property including my Mother'sAshes!by I Am Rosa6 months agoYou owe money to people. It's only a big deal if you avoid it or let it overwhelm you. You've probablyalready done both with negative results, so let's do something new to turn things around, okay?by Carrie L. Cronkite7 months agoGetting rid of debt is a realistic goal that you can achieve. With patience and a little discipline, youcan learn how to take steps to achieve this goal and remain debt free.by Stephen Ndungu2 months agoIn order to come out of debt plan well. Increased technological development worldwide militatesincidences of impulse buying and spending which are normally the main culprits of excessive debts.by Carrie L. Cronkite7 months agoLiving in debt makes you feel like your suffocating and has detrimental effects on many areas of yourlife including your health and relationships. Getting out of debt is a goal you can accomplish.by Jimmy Teneke9 months agoThere is good debts and bad debts. Good debts put money into your pocket whilst bad debts takemoney out of your pocket. Good debt is someone else pays and bad debt is debt that you pay.by Carla J Behr4 weeks agoAre you surviving on a single income and seeing debt stack up? Read these three tips for helping youto reduce your financial burden.by Gregory DeVictor7 months agoThis article teaches you how five invisible opponents--pride, blaming, worry, perfectionism, and self-pity parties--could keep you from debt free living and financial success.by Gregory DeVictor10 months agoThis article teaches you how five invisible opponents--excusitis, fear, denial, complaining, andprocrastination--can delay or even prevent you from paying off debt and achieving financial freedom.by Gregory DeVictor10 months agoThe average American household has five credit cards and over $15,000 of credit card debt. Thisarticle teaches you how to get out of credit card debt fast by just increasing your monthly payments.by Gregory DeVictor10 months agoFind out the pros and cons of debt consolidation, how debt consolidation works, how to find atrusted debt consolidator, how bill consolidation may lead to more debt, and how to live fiscally fit.by Gregory DeVictor10 months agoFind out the pros and cons of debt settlement, when it makes more sense than consolidation, howdebt settlement affects credit scores, why it can be a gamble, which debts cannot be settled, andmore.by Kathleen Romano11 months agoDebt is an epidemic in too many households. Financial stability is desired by many, yet possessed byfew. Here are tips for eliminating debt, staying out of debt, & reclaiming your financial freedomby RichFatCat39 hours agoFive important steps for anyone who is financially frustrated. Here are five simplle steps to start arecovery from a massive credit card debt spiral.by Cecile Portilla15 months agoHaving a low credit score can severely hamper your chances of succeeding in our present economy.You should do everything possible to improve your credit.by Michelle Tee15 months agoGambling debts from a gambling problem can range from minimal to severe. On average, a personwith a gambling problem can have over $80.000 in credit card debt, according to some studies.by Anna Green11 months agoIf the government or another party garnishes your wages, you will usually need to ask the courts tostop garnishing your wages. This is especially important if you have already settled your debts.by Anna Green10 months agoWhile bankruptcy can provide needed relief from out-of-control debts, it can also make it difficult torent in some cases. However, with careful planning you can still rent if you filed bankruptcy.by Linda Bryen3 days agoHaving debts is a constant worry, but once you find the means to deal with it, it becomes easier. Idid find how to deal with it in the end.by erinshelby10 days agoAre you wondering how to avoid going into debt or how to avoid going deeper into debt? Getanswers for how to obtain financial freedom.by SAMONESPEAKS21 months agoAre you struggling with a payday loan or know someone struggling to payoff a payday loan? If so,please share this article. Payday loan companies will NOT tell you how to stop the interest.by sprickita4 months agoHave a question,need an answer,not sure who to ask? Pick up a phone & dial 211. A United WayProject made available, free across the US. 211 connects people with help & information on localservices .by L.M. Hosler5 months agoControl debt and get out of debt. Don't let debt control you or your life. Learn to budget foremergencies and save money towards your dreams.by Artois525 months agoFree debt help and advice is available from a number of sources and there are various ways ofgetting you back on track or even giving you a fresh start. You don't have to deal with it on yourown.by Tamara Wilhite5 months agoWhat can you do to lower your business credit and debt costs today? What steps can you take toimprove your odds of getting a loan and reduce the costs of carrying debt?by Alodia Hankins16 months agoWhere do you draw the line over the clearly defined lease statement, "no pets." A perfect tenant,pays on time, house reasonably clean, and there is a great big friendly gray cat inside the home?by Carolyn Gibson18 months agoA constructve eviction happens when a tenant is forced to move out because a landlord fails tomaintain the apartment or building. Here are specific examples of how a landlord can mistreat atenant.by SpaceShanty5 months agoIf you are dealing with credit card debt, payday loans and short term loans and you thinkbankruptcy, an IVA or consolidation loan is the only option, there is another way which won't costanything.EDITOR'S CHOICEby Christy Kirwan4 months agoEviction laws in San Francisco make it almost impossible for landlords and master tenants to evictproblem renters. Here's some useful advice if you intend to try.by carolynkaye12 months agoStaying out of debt can be a challenge for some people, but it's definitely possible with a little effort.Here are some easy-to-follow tips for anyone who wants to learn how to stay out of debt.by TMHughes9 months agoThe debt ceiling debate really heated up after the Fiscal Cliff scenario of 2012 played itself out. Thedebate over how high the US national debt limit, or debt ceiling, should be is one that has beengoing on for a...by MKayo2 years agoKnowing your rights and how to respond to a debt collection letter is the first step in resolving orsettling your unsecured debt with a bill collector or commercial collection agency. A sample debtcollection response...by Ian D Hetri4 months agoDonald Trump was bankrupt for 4 times but managed to come out a winner. How does he do it?Discover the lessons here.by carolynkaye19 months agoIf you're considering applying for a secured credit card after bankruptcy or to help rebuild poor orbad credit, this article lists some of the best secured credit cards from a variety of credit cardcompanies and...by Tony Caro4 months agoWhere your head is at plays a big role in getting out of debt.by fitfinance2 years agoPayday loans are among the most easiest of loan types that anyone with a full time job and a regularstream of monthly income can apply for. Payday loan providers often do not carry out credit checkson their applicants...by Tamara Wilhite5 months agoWhat is your credit card utilization ratio? How does your credit card utilization ratio affect yourcredit score? How can you improve your credit card utilization ratio?by carolynkaye24 months agoIn less than two years after my bankruptcy, I've brought my FICO score up to 730, which is in the'good' range. In this article, I will outline the five simple steps I took to get a good FICO score...by tarjei2 years agoAs a Brazilian visa holder I am entitled to invest Brazilian government trough Tesouro Direto via mybank HSBC Brazil.The Selic interest rate is used as a benchmark for financial transactions between banks and...by carolynkaye11 days agoRenting an apartment after a bankruptcy can be a challenge, but it's not impossible. If you'reconcerned about finding a place after bankruptcy, here are 10 tips that will make your search easier.by carolynkaye24 months agoIf you are looking for some simple ways to begin rebuilding your credit after bankruptcy, here aresome tips to get you on the right track toward a better credit score much quicker than you think.by Sushma Webber8 months agoGetting into debt is easy, getting out of debt is hard and takes time. The first step is to learn thepsychology of money and see what attitude we must develop towards managing it. it is not howmuch money you make, It...by zeke21003 months agoDo you know if you have any unclaimed refunds outstanding from your state? If you aren't sure, nowis the time to find out if you are owed something from your state. Find out now.by Tamara Wilhite5 months agoWhat are your rights when faced with debt collections and payday loans?by Jose Velasquez3 years agoAs a customer you are entitled to certain rights regarding debt collection practices. Knowing yourrights can greatly assist you when you are dealing with aggressive debt collectors.by Sharon Smith2 years agoState and federal government organizations offer a variety of assistance programs for low-incomefamilies including education and job training to help secure a better future.by collegedad3 years agoDealing with debt collectors can be a pain. Instead of putting up with the annoying calls and nastyletters why not turn the tables on them. Federal laws mandates that they cannot harass you, but itdoesn't say that you...by American_Choices3 months agoHow big is American debt? See the historical graphs and comparisons to other countries, learn thephilosophies and most importantly, learn how this new type of debt can impair American freedoms.by Just Ask Jess5 months agoCollectors can be a real drag, especially if you are trying to get your credit score up. It can be almostimpossible to get them to stop calling and threatening you. What you may not know is, there issomething you can...by Brian Gray8 weeks agoYou just received a certified letter in the mail from a law firm, you have a sinking feeling as you signfor this unwanted piece of mail, and when you open the envelope, your fears are confirmed. You arebeing sued by a...by scottrights2 years agoThis article by Scott Rights of RIGHTS & HAND, Attorneys at Law, talks about the differencebetween a 3 day notice to move out and an eviction. It explains the California Eviction or CaliforniaUnlawful Detainer...by scottrights2 years ago"How to evict a tenant who is not paying rent." This article, by attorney Scott Rights of RIGHTS &HAND, Attorneys at Law, explains the California eviction or the California unlawful detainer process....by beherdtennis2 years agoHow To Organize Debt To Pay It Off FasterWhether it is a car loan, mortgage, credit card debt, student loans, business or personal loans, mostof us have some debt we are paying off. Many people simply pay the...by Bahin Ameri2 years agoOverview of the Texas landlord's lien. Summary of Texas law dealing with a landlord's right to seizethe non-exempt property of a tenant for delinquent rent.by Cody Hodge3 years agoDoes someone owe you money? Whether it is a business or a person, you should get your moneyback!by Cody Hodge3 years agoDon't feel like paying off your debts? You really should, or face some bad consequences.by Bahin Ameri2 years agoSummary of Texas tenant rights during change of ownership and foreclosure. Overview of theProtecting Tenants at Foreclosure Act of 2009.by Anthony G Senda3 years agoI worked for years and had little credit because I had not one, but 2 instances of becoming homeless.I was homeless for 7 years, but still went to work every day.I lived with friends and in my car for 6 months with...by Bahin Ameri2 years agoSummary of Texas law dealing with the disconnection of tenant utilities by a landlord. Explainsprocedure for restoring disconnected utilities and remedies available to the tenant.by Dr. John Anderson2 years agoThe Debt crisis is Europe is threatening to engulf the world. See the information needed tounderstand how the world's finances have failed.by John D Wilson3 years ago15 or more states have laws that allow collection agencies to put debtors in jail. Is this the newtactic for collection agencies and banks? A look at what states have debtor prison laws.by Brie Hoffman11 months agoIs bankruptcy a good option for the elderly? It depends on their circumstances but in many casesbankruptcy is the worse option. Read on to find out why that is.EDITOR'S CHOICEby Doc Wordinger3 years agoFind out about the responsibilities and risks of being a rent guarantor with this no-nonsense guide.by Rachelle Williams3 years agoWhen many of us think about Alaska, we think in terms of the great beauty of the frozen landscape,we think about Alaskan cruises that allow us to casually view the breathtaking, ice-filled wilderness.We also think...by Rachelle Williams3 years agoWeekly hotels might be the answer to your housing situation if you have low income and you do nothave the money to get your own apartment, or if you have an eviction dogging your credit and yourapartment applications...EDITOR'S CHOICEby Rachelle Williams3 years agoHaving an eviction or foreclosure on your credit can seriously impair your ability to rent anotherapartment, or home.I am not going to mention that you should try to avoid an eviction or foreclosure at all costs,...EDITOR'S CHOICEby renegadetory2 years agoAn examination of the popular methods for getting out of debt by experts such as Suze Orman, GailVaz-Oxlade, Dave Ramsey and more. Discover which method will work best for youby Lainie Petersen3 years agoCollection agencies have several ways of getting information about debtor bank accounts. They canmake you disclose this information in court or use information provided by your original creditor tofind your accounts.by Bibowen11 months agoWould Jesus join the liberal refrain of chastising Republicans for not supporting state welfare tospend more money and raise more debt. I doubt it.by mskills3 years agoHow I used Dave Ramsey's The Total Money Makeover and its Baby Steps to pay off $17,000 in oneyear.by essaymonster7 months agoCorporate governance becomes and important issue for all companies of the world since the scandalof ENRON has emerged. Today, many companies are following corporate governance ethics.by Deborah-Diane7 weeks agoWhat impact will a bankruptcy will have on your future? Here is practical information about how tosurvive, how to rebuild your credit, how to use a debit card instead of a credit card, and more.by cookie_won3 years agoWhat will actually happen if you decide to just stop paying your debts. Will they chase you hard orwill you get away with it?by Kathleen Cochran6 months agoIdeas for improving the American process of electing our public officials.by KristaMcDonald4 years agoOne of the most exciting and anticipated days of your lifewill probably be your wedding day. Most people dream of their perfect weddingday and consider their wedding to be the most important event in their...by KristaMcDonald4 years agoFor most people who gamble, it's an occasional hobby or pastime for entertainment purposes only.For other people, however, gambling can quickly spiral out of control and result in increased debt,financial...by Carolyn Gibson5 months agoCommunicating with the tenant is critical to the tenant/landlord relationship. Both parties mustunderstand and respect the other. When there is a problem because the tenant does not follow thelease, take the time to...by callmefoxxy3 years agoNeed a sample of a letter you can send to a collection agency to tell them to stop harassing you, butdon't know what to write? Need a sample letter to help you put it together? Read this article aboutdealing...by Jenny-Miles2 years agoHaving your wages garnished is the final step a debtor can take to get their money back. You have totake action before it is too late!by DIYweddingplanner7 months agoHave an adult child who won't leave the nest? Is his or her behavior causing terrible problems inyour household? Learn how to evict your adult child from your home.by slc3342 weeks agoOver the past year, my wife and I have really extended ourselves. We moved to a different city,bought a house, two dogs, and a whack of furniture and furnishings. All stuff we needed, but we nowfind ourselves in an...by Writerly Yours8 months agoDo you owe debt or does your debt own you? are you house poor? Are you finances keeping you upat night? Do you control you finances? Is debt taking over your life? It's it now time to control yourdebt and create a...by authorfriendly4 years agoThere is life after bankruptcy. Learn to rebuild your credit after bankruptcy, by taking small loans,opening a new bank account, getting a budget going, and making sure your utility and rentpayments are counted in...by toknowinfo2 years agoMoney is practical, spending is emotional. The link between our financial situation and our selfesteem is probably a better predictor of debt risk than our credit score may reveal. Why do somepeople have financial...by Melanie Shebel12 months agoLearn the steps to properly filing bankruptcy in Indiana including tips on which chapter you shouldfile and why...by Rajinder Soni3 months agoThe main goal of this article is to understand the concept of good debt and bad debt and how youcan convert bad into good debt for profits...by shazwellyn5 months agoWhat is money? This is a good question. The truth is that money is debt. This article tells you howmoney came into being, what it represents and why banker's are, ultimately, just legalcounterfeiters! It is a fraud...by Pamela Oglesby2 months agoThis article explains how to get a car loan with slow or bad credit. Obtaining financing for a carpurchase is explained. The purpose of a Carfax report is also explained.by iyking4 years agoPeopleare often confused with insolvency and bankruptcy. They take the two conceptsto mean the same thing: Though insolvency and bankruptcy are somewhat similarconcept. There are also some differences between them....by Lainie Petersen2 years agoInformation on the proper way to notify a tenant of an impending eviction in Alabama. Eviction inAlabama, as in all states, is governed by laws that must be followed for an eviction to be valid.by Lamme6 months agoLearn how to finally get a handle on your debt.by johngriggs4 years agoDue to the recession, many of us are struggling to pay our bills. When you lose a job, or have a jobthat pays much less than what you're used to earning, sacrifices have to be made. Many of us thenhave to stop paying...by the tenth muse4 weeks agoI am writing this in hopes of helping others who find themselves over their heads in debt withmedical bills. At the very least I want to get the word out that there are often ways of gettingmedical bills lowered and...by rb1113 months agoIs it really possible to put the brakes on liens and judgements? Yes it is possible and you can find outhow to do it in this article.by authorfriendly3 years agoRebuilding you life after bankruptcy is about more than rebuilding your credit. Find out what youget to keep after bankruptcy, and how to make a fresh start.by Brie Hoffman13 months agoIf you are having trouble paying your bills, bankruptcy may NOT be your best option. Your bestoption may be to simple quit paying your bills. Read on and find out if that is what's best for you.by Joni Douglas3 years agoIf not, andyou have debts, you need to carefully read this article.With so many people caught up in the vicious cycle of creditcard debt, I thought I would share with you the absolute best way to getyourself...by Joan King5 months agoRetire happy and healthy. Retirement does not have to be a death sentence if you get the rightfinancial advice and invest wisely,by Carolyn Gibson7 months agoYour responsibilities to your tenant do not end with serving them with the eviction notice. You mayhave to remove their belongings if they don't leave on their own. There are laws that govern what todo with your...by LawAndCompassion11 months agoAs a Colorado attorney practicing in the areas of consumer debt negotiation and settlement andbankruptcy, I frequently wish my clients had come to me sooner for advice or assistance. So, Idecided to write this article...by Edward C.4 years agoYou probably already know that leaving bank debts, such as overdraft fees, unpaid will result in yourname being entered into Chexsystems. Chexsystems is a reporting agency used by banks todetermine if an individual...by Edward C.4 years agoOwing debt to a collection agency is a game of financial Russian roulette. Sometimes, debt collectorsplay by the rules-knowing that, if they don't, there will be legal repercussions. Other collection...by mikicagle2 years agoIf you receive a letter from a collection agency or even an attorney regarding a credit card debt,medical debt, personal loan debt, or debt of any kind don't pay it until you know for sure that it isvalid. Thousands...by Sweetsusieg3 years agoNo one likes to have their wages garnished, sometimes it seems just downright unfair, especially ifthey take a full 25% of your disposable income.Disposable income is what is left after taxes andinsurance, it...by Edward C.4 years agoCollection agencies recover federal student loan debt rather than the U.S. Department of Educationitself. These aren't specialty collection agencies either. They're your standard, run of the mill, callyou...by Pamela Lipscomb6 weeks agoDid you know, can sue a creditor for several reasons. Find out what they are.by Pamela Lipscomb5 weeks agoNegative items on you credit report can hurt your credit, or even help you get that job that youwant. Discover how to remove negative item and improve your credit report today.by Miranda Fox5 years agoDebt Settlement is the negotiation and reduction on the amount you repay back to a creditor youhave an outstanding balance with. Debt settlement companies can settle most unsecured debt, themore common types are...by scla14 months agoShould you continue to use credit cards if you are planning to file for bankruptcy? What happens ifyou continue to use credit cards?by scla14 months agoYou might have needed to file bankruptcy in the past and now you may be in debt and wondering ifyou can file bankruptcy again. The answer depends on what Chapter of bankruptcy you are planningto file and how long has...by scla14 months agoWhat types of questions will you have to answer at your 341 meeting of creditors? Will creditorsappear?by CarrieFerland5 years agoNot all debts can be discharged in bankruptcy. Certain debts -- like domestic obligations -- stick withyou forever, regardless of your financial situation. The U.S. Bankruptcy Code defines 21 categoriesof debts that...by CarrieFerland5 years agoA statute of limitations is a law that restricts the period of time during which someone may file aclaim against someone else. Once that time, called a prescriptive period, expires, the right to file aclaim in that...by scla4 years agoGenerally if you fail to pay your debts such as medical bills, personal loans, or credit card, thecreditor can file a lawsuit in court to try to collect on the debts that you have not paid. In order forthese creditors...by Edward C.5 years agoIf you owe old debts and a collection agency has notified you of its intent to sue you for the amountthat you owe, being judgment proof can protect you from the nasty consequences of a collectionagency lawsuit....by Jennifer5 years agoI have been a Dave Ramsey fan for a long time and my family has followed his financial advice foryears. If you have ever listened to his radio show (which you can do online if you don't get it in yourarea) or read...by L M Reid2 weeks agoHow To Pay off Credit Card Debt. Advice on Money Management and Debt.by JaLeanna23 months agoHealthcareis expensive and to avoid a financial burden in case of illness or injury, oneneeds to have a good medical insurance. Unfortunately, not everyone has or canafford an insurance while others might just have a...by Brie Hoffman11 months agoOut of the box advice for those out there who cannot make ends meet or pay their bills. Forget aboutlistening to the usual suspects..times are hard and tough times call for tough decisions.by Edward C.5 years agoSettling with a collection agency may seem like a viable option if the debt collector offers you a gooddeal, you think you can afford it, and you just want the collection agency to stop harassing you overthe unpaid...by Edward C.5 years agoDebt collectors have the right to do a plethora of unpleasant things such as call you, track you downby calling your friends, family members, and place of employment, and even file a lawsuit againstyou. A successful...by Edward C.4 years agoScavenger debt collectors can turn your happy, financially content little world into a chaoticnightmare. Scavenger debt collectors are the bottom feeders of the collection industry (as if thecollection industry...by Edward C.5 years agoA bank account lien occurs when a creditor, often after a lawsuit, places a hold on the fundsavailable to you in order to seize them. Although you may still make deposits to your checkingaccount, you will no longer be...by Rajinder Soni3 years agoIf you are overburdened with your longstandingcredit card debt, fed up of receiving harassing phone calls by your credit cardissuing bank, want to get rid of debt collectors who threaten you at your homeand office on...by Jay D. Es3 years agoA name change allows a person to change their own name to practically whatever they would like aslong as long as the name does not violate a trademark, use obscenities, symbols or numbers (RomanNumerals are allowed)....by michaelk2 years agoWhen you file for bankruptcy you are, essentially, asking the court system to give you a clean start.Everyone, especially today, goes through rough patches in life. You deserve, despite your mistakes,to have the...by arahat5 years agoChange yourName to clear debtSome people with outstanding debt often ask - If I changemy name, will my creditors find me? The reply is - not always. It would dependon certain factors. Here are the actions you...by Joshua M. Adams5 years agoIt seems like every day that I run into someone who tells me that their credit is seriously messed up,and beyond repair, whether it be from a divorce, student loans or old debts that they never paid off.Everyone...by JustSimple Info5 years ago We have all been there at some point in our life.The point where we might need to borrow money. First and foremost I recommend that if you need to borrow money, swallow your pride and askfriends and...by David Schulze9 months agoThis page talks about the disadvantages of credit especially credit in the ministry.by johngriggs6 years agoSo you fell behind on your credit card payments. You are not alone. Due to this economy, latepayments and credit card defaults on the rise. If you fall behind over 90 days, the credit cardcompany will likely sell your...by diogenes4 years agoBankruptcy: My Own StoryWhen I was a young man, someone going bankrupt took on the aura of a poor slob with acommunicable disease. Thanks to establishment spin, Insolvent people were shunned by society ingeneral...by C V Rajan6 months agoWhy do people tend to live with borrowed money and get into debt trap? Can't we lead a peacefullife without borrowing? This article analyses the issues and offers ways to lead a debt-free life.by maggs2247 months agoWe were so far in debt that we started off every month overdrawn. There seemed no way out. Thisarticle tells you how we turned that situation around and became debt free. Read how I managed tosave money, to pay off...by AzDubster5 years agoWhat Is Chapter 7 Bankruptcyby JeffKinsey6 years agoHave you gotten one of those lovely "pay us NOW" debt collection letters in the mail or a barrage ofphone calls? Before you crack open your checkbook or negotiate any kind of payment, you mightwant to think...by Silver Rose11 months agoSettle your credit card debts with step by step advice on how to negotiate a debt settlement byyourselfby accofranco4 years agoThe curiosity to write this article came from my sincere pleasure to help in the fight against globalcybercrime especially the advanced fee fraud, which is eating deep into our Internet world today.This has made the...by Zooloot.com2 months agoA story of how one (temporarily insane) man took on the system and won! Challenge 2 on the way.by Jennifer6 years agoMany people are caught in a bad cycle of robbing Peter to pay Paul. They borrow money each monthfrom one source in order to pay the minimum payments on other items. Or they use the cash theyhave to pay the minimum...by Dorsi Diaz7 months agoI read an interesting news release today that forebodingly declared that California may well be on itsway to bankruptcy - which would be unprecedented, to say the least."The State of California will run out of...by jaide6 days agoCredit Counseling in Canada. What is it and how can it help me. What options are there to helpmanage debt in Canada and how can I choose which is right for me. Do your research and make aninformed decision. Get your...by Blackberry3 weeks agoOverwhelmed with interest and finance charges from payday loan? Fallen into a never-ending cycleof loan after loan? Read on to find out how to get yourself out of debt.by Specificity4 years agoThis is part 3 of a series that is designed to help you understand what a collection agency is, whyyour creditor has hired them, how you can protect yourself, and what you can do to keep collectionagencies out of the...by Slikvee6 months agoHaving trouble paying your bills? Getting dunning notices from creditors? Are your accounts beingturned over to debt collectors? Are you worried about losing your home or your car?You're not alone. Many people face...by Jerilee Wei12 months agoIn America, sadly, the lost art of saving and money management have become victims of our currentthorny monetary crisis and we have no one to blame, but ourselves. The solution begins not just indetermining...by RainbowRecognizer4 years agoBeing broke is something that most people really don't like. Let's think about it for a moment. Itusually conjures up images of not enough of food, resources, fun... just about anything!by rb773 months agoDebt can cause stress or it can be a lesson you learn from, it's all up to you. Find out how to mangeand cope with debt and never be victim to it again.by 4kristi4 years agoI've spent many years writing a lot of letters. Not love letters unfortunately but letters to deal withcredit issues. Letters to creditors, collection agencies and credit bureaus. You'd be surprised justhow many...by frogpatch13 months agoThis hub is written to help the countless victims of predatory lenders. People fell hopeless whentrapped in a payday loan mess when the truth is they are not. Most payday lenders are unlicensed.by BrainFire2 years agoDid you know?A Debt Collector can not call you back if you hang up on them, for 7 working days. They cannotthreaten to sue you either. Unless it's absolutely their usual company process. Threatening to sueyou, and...http://hubpages.com/topics/personal-finance/debt-and-bankruptcy/3920Click here for more.