Articles from Consumer Help Central

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When Debt Collectors Call, Know Your Rights

Submitted by Anonymous (not verified) on Thu, 07/11/2013 - 10:00

debt collector calls make people angrySay the wrong thing to a debt collector and you’ll make things worse.
I’m in a unique situation when it comes to knowing about how debt collectors operate. By virtue of what I do for a living, I hear at least a dozen stories of debt collection procedures each week, seen through the eyes of people who need my help.

All Of This Has Happened Before

Submitted by Anonymous (not verified) on Wed, 07/10/2013 - 10:00

mcdonalds takes credit cards“All this has happened before, and all of it will happen again.” - Pythia

Will Paying Debts After Your Bankruptcy Discharge Give You More Than Peace Of Mind?

Submitted by Anonymous (not verified) on Tue, 07/09/2013 - 10:00

dumb move to pay debts after bankruptcyYou are allowed to pay off debts that you’ve discharged in a bankruptcy case. Whether it’s smart to do so, however, is another matter altogether.
If you’re thinking about filing for bankruptcy, you probably feel guilty about it.

The Emotional Costs Of Being In Debt

Submitted by Anonymous (not verified) on Tue, 07/09/2013 - 10:00

emotional costs of debtWe often forget about the emotional toll that being in debt takes on us.
Once, about a decade ago, I was in debt. Deep, deep in debt.
My credit score was wrecked, and my credit cards were all worthless pieces of plastic.

How To Stop Debt Collector Phone Calls

Submitted by Anonymous (not verified) on Mon, 07/08/2013 - 13:00

dtop debt collector phone callsDebt collectors don’t have to stop calling you just because you ask them to leave you alone. Here’s what you need to know.
If you owe money, you’re probably getting calls from debt collectors.
Though some debt collectors can be fairly pleasant people, the reality is that most of these phone calls don’t go well.

Why I Probably Won’t Take Your Emergency Bankruptcy Filing (And Why I Might)

Submitted by Anonymous (not verified) on Mon, 07/08/2013 - 09:22

emergency bankruptcy filingsAn emergency bankruptcy filing is often chaotic. More important, it’s likely to fail.
Sometimes you get into a tight spot and are looking at an imminent foreclosure, repossession, eviction, execution sale, tax levy, or utility shut-off.
When I say imminent, I mean it’s going to happen in a matter of hours.

Why Your Chapter 13 Plan Must Meet The Feasibility Test

Submitted by Anonymous (not verified) on Sun, 07/07/2013 - 13:00

feasibility chapter 13 planYou can file for Chapter 13 bankruptcy, but if your Plan doesn’t do what it needs to do then your case will fail.
If you’re thinking about Chapter 13 bankruptcy, you’re probably looking to deal with some debts that can’t be handled in a Chapter 7 bankruptcy.

Can A Bankruptcy Discharge Be Revoked?

Submitted by Anonymous (not verified) on Sat, 07/06/2013 - 17:25

red handedYou can lose your bankruptcy discharge even after the case is over.
Once you go through bankruptcy and get your discharge, you’re looking at a future free of debt.
If you weren’t totally honest before and during your bankruptcy case, however, you may not be in the clear.

Consumer Protection Watchdog Spies On You, Too

Submitted by Anonymous (not verified) on Fri, 07/05/2013 - 13:00

cfpbThe Consumer Financial Protection Bureau is spending millions to get your credit records – without your permission.

California Consumers To Receive New Protections Starting January 1, 2014

Submitted by Anonymous (not verified) on Wed, 07/03/2013 - 19:16

The California General Assembly on July 1, 2013 passed the Fair Debt Buying Practices Act by a unanimous vote, ushering in a new set of protections for consumers dealing with debt collectors.
The bill, which becomes effective as of January 1, 2014, will require debt buyers to have in their possession a significant amount of account information before debt collection efforts can begin.

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