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Understanding the Fair Debt Collection Practices Act (FDCPA)

Debt collection about 100 years before passage of the Fair Debt Collection Practices Act. If youve never fallen behind on monthly payments for loans or credit purchases, the term "debt co
Understanding National Foundation Debt Counseling: A Practical Guide

During debt counseling, a family will work with a counselor to hammer out a realistic budget so that their monthly expenses dont exceed their income. Has juggling bill payments every month bec
Nonprofit Debt Consolidation: Understanding How It Works

People can feel imprisoned by high credit-card interest rates and growing debt. See more pictures of debt. Peeking out from under your pile of bills is a postcard that looks like your saving g
Understanding Debt Collection: Your Rights & What to Expect

In late 2007, as the consumer credit crisis grew, credit giant Citigroup announced losses of over $5 billion. See more debt pictures. They break your thumbs if you don’t pay. They’re annoying
Understanding Zombie Debt: How It Develops and Impacts You

Zombie debt has become profitable in part because of two trends that took off in the 1990s: the proliferation of consumer credit and identity theft. See more debt pictures. Nine years ago, s
Understanding the Fair Credit Reporting Act (FCRA): Your Rights & Credit

Former Treasury Secretary John Snow steps off the stage after delivering a speech about the Bush administrations proposed changes to the Fair Credit Reporting Act.The world economy runs on credit. Mos
Understanding Credit Reports: Do They Lower Your Score?

Will a credit check-up bruise your credit score? See more credit and debt pictures. Does the subject of credit make your stomach turn? Many people live in fear of trying to tackle the problem
Build Credit: 10 Effective Strategies for a Strong Credit Score

Its pretty easy to obtain credit, but many people have no credit history. See more debt pictures. Credit makes the financial world go round. Thats true for Fortune 500 companies, first-time ho
Understanding 3-in-1 Credit Reports: A Comprehensive Guide

When it comes to your credit, a little discipline and diligence go a long way. See more banking pictures. Credit reporting agencies -- also known as credit bureaus -- are private companies tha
Understanding Credit Reports: How They Work & Why They Matter

Not monitoring your credit report can lead to excessive debt and additional fees. See more pictures of debt. If youve ever applied for a credit card, a loan to buy a house or car, or a line
Understanding Credit Scores: A Comprehensive Guide

We depend on credit for so many important things in life -- whether its for buying a car, house or computer or getting a student loan. A three-digit number -- your credit score -- can determine whethe
Blink Card Technology: How It Works & Benefits | JPMorgan Chase

Blink card and terminalTired of all that time-consuming swiping? Credit cards using "contactless" technology allow users to pay for merchandise by holding the card near a special reader inst
Understanding Bankruptcy: A Comprehensive Overview

Enron filed for bankruptcy in the Northern District of Texas. See more corporation pictures. Bankruptcy is one of the most complex areas of law, incorporating elements of contract law, corpora
Bankruptcy: Is It the Right Financial Solution for You?

You may want to consider filing for bankruptcy if you no longer know how much you owe your creditors. You cringe every time the phone rings, and its been days since youve checked the mail. Alt
Protecting Assets from Bankruptcy: Proactive Strategies

If you want to protect some of your assets, youll want to start planning long before you’re at the center of bankruptcy proceedings. Just as winter set in, your health took a hit. The flu had
Bankruptcy and Foreign Residents: Impact on US Residency

Foreign residents can file for bankruptcy if they have a Social Security number or individual taxpayer identification number. The decision to file for bankruptcy is fraught with long-term cons
Buying a Home After Bankruptcy: A Timeline & Loan Options

You may have to wait a bit to qualify for a home loan, but youll be back on your feet a lot sooner than you think. It was the perfect storm, at least as far as your finances were concerned. Bu
Understanding Unsecured Claims in Bankruptcy: A Comprehensive Guide

An unsecured claim is one with credit offered based on your future ability to pay. It was a difficult decision, but youve come to terms with it. After months of wading through overdue notices
Crafting a Hardship Letter to Creditors: A Step-by-Step Guide

The hardship letter should begin by describing your specific reasons for not making monthly payments. When the alarm buzzes at 6 a.m., you hit the snooze button. Fourteen months ago, you were
Lehman Brothers Bankruptcy: The Largest in History & Detroit's Decline

The 2008 economic downturn resulted in global firm Lehman Brothers walking away from more than $600 billion in debt. Detroit was a 20th-century boomtown. Dotted with manufacturing plants rolli

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Personal finance

Personal finance