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Debt Settlement vs. Debt Negotiation

admin — Fri, 30 Apr 2010 04:24:34 +0000

Many people are confused by the range of programs which proclaim that you can get out of debt: debt negotiation, debt settlement, consumer credit counseling and bill consolidation. What's the difference?

Differences Between Account Stated vs. Contract in a Creditor Lawsuit

admin — Fri, 30 Apr 2010 04:24:34 +0000

Your method of attacking a complaint/summons is different based on whether or not the Plaintiff is claiming "Account Stated" or "Entered into a Contract". Knowing the differences are crucial.

How Inquiries Affect Your Credit Score

admin — Fri, 30 Apr 2010 04:24:34 +0000

nquiries occur whenever your credit report is pulled. They are recorded on your credit report. However there are two kinds of inquirie, hard and soft pulls. Only hard pulls affect your score.

How to Maintain Good Credit – All ‘Bout Credit – Episode 12

admin — Fri, 30 Apr 2010 04:24:34 +0000

In the wrap-up of the comedy series, Kristy tells the new educated Nookie how to keep his good credit rating. Tips include paying on time, keeping credit card balances low, and not taking on a lot of new debt.

I’m Being Sued – All ‘Bout Credit – Episode 11

admin — Fri, 30 Apr 2010 04:24:34 +0000

Nookie confesses to Kristy that he is being sued over a credit card debt. Kristy explains to Nookie that you can beat collection agencies in court because they usually do not have any documentation to support their lawsuits. Kristy also explains that you don't need to hire a lawyer to defend yourself. Note: for more information on being sued, you can go to our legal section where we explain the process in detail.

Settling Your Debts Yourself – All ‘Bout Credit – Episode 10

admin — Fri, 30 Apr 2010 04:24:34 +0000

Nookie confesss to Kristy that he has a lot of debt and doesn't quite know what to do about it. Kristy tells a skeptical Nookie that he can settle his debts on his own. She shares the secrets of dealing with collection agencies and also how to work out a payment plan with the credit card companies.

Finding Time to Fix Your Credit – All ‘Bout Credit – Episode 9

admin — Fri, 30 Apr 2010 04:24:34 +0000

In this episode Kristy and Nookie discuss the problems with using credit repair companies, then explain how you can fix your credit on your own with only a few hours of work a month.

Can I Really Fix My Credit?

admin — Fri, 30 Apr 2010 04:24:34 +0000

Did you know that everything a credit repair clinic can do for you, you can do for yourself at little or no cost? Use this easy to understand, step by step credit repair strategy to do it on your own.

Harrassed by Collection Agencies – All ‘Bout Credit – Episode 8

admin — Fri, 30 Apr 2010 04:24:34 +0000

In this episode Kristy and Nookie discuss what collection agencies can and can't do legally when attempting to collect a debt, and the best way to deal with a collection agency who is harrassing you.

How Do I Rehab My Mortgage? All ‘Bout Credit – Episode 7

admin — Fri, 30 Apr 2010 04:24:34 +0000

In this segment, Nookie wants to know how to rehab his mortgage loan. Kristy gives Nookie advise on how to qualify for a mortgage rehab. If he qualifies, he can lower his interest rate and get help from the government.