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Posted by / 07-Dec-2020 10:20

Consolidating program

If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.

A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).

There are two main types of personal bankruptcy: The bankruptcy and petition process is complicated, so it can be difficult to file without an attorney.

If you have multiple credit card accounts or loans, debt consolidation can help simplify or lower your payments.

If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start.

Bankruptcy involves liquidating, or selling off, your assets to pay your debts, or creating a payment plan.

This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.

The FDCPA does not cover debts incurred in running a business.

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It can also make it difficult to get credit, buy a home, get life insurance, or sometimes get a job. Trustee Program at the Department of Justice (DOJ).