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Very helpful, I plan to incorparate this into my finacial plan.
Hi Lynn, thanks for your feedback. I am glad you liked the tips I provided.
I have recently been contacted by a debt elimination specialist concerning my debt. The offer states that it uses little-known consumer protection laws, the Truth in Lending Act, the Fair Debt Collections Practices Act and the Fair Credit Reporting Act to legally discharge my unsecured debt and restore my credit rating.
My understanding is that it is a one-time fix to get out of debt card debt.
Do you know anything about these types of offers?
check out this article http://blackenterprise.com/blogs/2009/02/11/the-cutting-edge-avoiding-credit-consolidation-scams/
Also, you need to be extremely suspicious if these companies are contacting you. This sounds like a possible scam. Check out the company with the Better Business Bureau to make sure it’s legit.
Hi Cassie, there is no one-time fix to get out of debt. You didn’t get into debt overnight and you can’t get out of debt in one day or even one month unless you win the lottery or get an inheritance.
Beware of some companies that offer guarantees or make huge promises. You can research those acts yourself to find out what your rights are as a consumer.
Renita is correct, you should be aware of unsolicited phones calls because many scams have started because of the recession.
Cassie you can do research on your own at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre01.shtm.
currently seeking informative tools to improve my money management skills. Please continue to share more I know there are many out there who are in need of help especially in these dreary economic times.