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Credit, Debt & Bankruptcy
An Introduction | |
CREDIT CARDS , DEBT SETTLEMENT COMPANIES AND CREDIT COUNSELING - BANKRUPTCY AND ALTERNATIVES TO COLLECTION AGENCIES HARASSMENT - CONSUMER GUIDE TO CREDIT CARD DEBT, DEBT CONSOLIDATION, CREDIT COUNSELING WHEN BANKRUPTCY FITS, AND HOW TO HANDLE COLLECTION AGENCIES.
This is a consumer oriented guide most everyone should have as a short reference to even the smallest of problems caused by credit. Someone may have the greatest payment record with banks, but forgot to cancel that cell phone contract on time and a negative results on their credit bureau report. The person has a great record paying their mortgage, credit cards, and car payment, but unbeknownst to them they forgot to cancel their internet service contract and the internet service reported them to the credit bureau. The consumer deeply indebted to the banks because of credit cards, mortgages, signature loans, car loans. All consumers can use this guide, as it explains how the banks, credit bureaus, and the industry in general operate, their guidelines for lawsuits, credit counseling, and when they will accept settlements less then the full amount owed, just to clear the “books”. Short, informative, and easy to comprehend my intention is to educate the general public of the ins and outs pluses and minuses, possible misjudgments in strategies, and to help the general public wade through what may seem like a mound of information, almost incomprehensible, but in fact is easy to understand, and allow the public to make the right decision that fits their situation. The author Jerome F. Cirrincione has over thirty five years experience in all types of credit situations, from loan advisor, real estate broker, credit collector for collection agencies, salesperson and manager for collection agencies, credit collector for a bank in the credit card department, and credit counselor. I hope to inform the general public at a critical financial period of their choices to deal with debt, and which choice fits their personal situation.
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CREDIT CARDS, DEBT SETTLEMENT COMPANIES AND CREDIT COUNSELING, BANKRUPTCY AND ALTERNATIVES TO COLLECTION AGENCY HARASSMENT
| TABLE OF CONTENTS
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P. 1- DEBT - YOU MIGHT BE SURPRISED HOW MOTIVATED BANKS MAY BE TO SETTLE FOR LESS THAN YOU OWE!
P. 2- GET IT IN WRITING. HOW TO NEGOTIATE, AND MAKE SURE THEY REPORTED IT TO THE CREDIT BUREAUS.
P. 3- WHEN THE COLLECTION AGENCIES CALL, THEY'LL BE MORE MOTIVATED THAN THE BANKS TO SETTLE. MAKE SURE YOU NEVER RESTART THE STATUTE OF LIMITATIONS. TACTICS YOU FACE. WHAT THEY CAN AND CAN’T SAY AND DO. THE LAW.
P. 4- DEBT CONSOLIDATION COMPANIES AKA DEBT SETTLEMENT COMPANIES. THE RISK, THE CONTROVERSY, DANGERS AND POSITIVES.
P. 5- CREDIT COUNSELING. MAKING SURE THEY ARE NON-PROFITS. WHY THE BANKS LIKE THEM, AND WHY THEY MAY BE THE BEST SHIELD TO AVOIDING LEGAL ACTION AGAINST YOU.
P. 6- BANKRUPTCY- MAYBE THE BEST CHOICE. WHY IT MAY BE THE BEST CHOICE, AND AN EXPLANATION OF HOW IT WORKS. WHAT NOT TO DO IF YOU DECIDE ON BANKRUPTCY. WHY ONE SHOULD NOT FEAR BANKRUPTCY IF IT FITS, AND IN WHAT SITUATIONS DOES IT FIT.
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CLICK HERE TO PURCHASE
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