Bankruptcy Credit Cards

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Behind on credit cards, house and car payments? Federal law can help. Debt Consolidation using the Federal Bankruptcy laws is so good it seems like magic. Find out for yourself. Call for a FREE Consultation. Bankruptcy Attorneys in Raleigh, Fayetteville, Wilson and Durham – North Carolina. Find out more. Visit our website at http://www.billsbills.com

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http://thedebtrelief.net |? There are several legitimate debt relief companies available in the industry, there are a few others who are looking to take advantage of people’s urgency to settle their debts. http://thedebtrelief.net

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Filing bankruptcy is not the end. It is a new beginning. You don’t lose everything. Likely, you will not lose anything. Offering a FREE consultation. Bankruptcy Attorneys in Raleigh, Fayetteville, Wilson and Durham – North Carolina. Find out more. Visit our website at http://www.billsbills.com

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Debt relief without bankruptcy is important because bankruptcy puts a black mark on personal credit. Use debt consolidation instead of declaring bankruptcy with help from a business analyst in this free video on financial planning and debt management.

Expert: Terry Kuykendall
Bio: Terry Kuykendall is currently a budget analyst for the military in Washington. She is an accountant who has worked at firms helping people deal with personal and business debt.
Filmmaker: stephen kuykendall

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Technorati Tags: advice, budgets, card, cards, consolidation, credit, debit, debt, finance, financial, help, management, money, Personal, planning, relief

My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying.

IT IS NOT AGAINST THE LAW TO OWE MONEY!

Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve.

KNOW YOUR RIGHTS UNDER THE FDCPA:

Collectors can NOT call you before 8 am or after 9 pm

Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay

Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.)

Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.)

For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.)

To the scum debt collectors reading this: We’re mad as and we’re not going to take this any more! We the People are being educated as to your tactics, garnering strength and numbers, and proposing legislation. We’ll be in touch with you…

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