Category Archives: Managing Debt

FDCPA Checklist: Is a debt collector violating your rights?
The Fair Debt Collections Practices Act (FDCPA) was put in place by the federal government nearly 40 years ago to protect consumers from renegade debt collectors. It outlines, very specifically, what a debt collector can and cannot do. To stay legal, collectors must follow it exactly. If not, they can be fined by the government. If a collection company is abusive or habitually violates the FDCPA,...
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My credit report shows a debt I owe got “charged off”… now what?
Congratulations! You ordered a copy of your credit report. What’s that… you found a “charge off”? I bet you’re wondering what the heck that even means! Well, it means that the original creditor has given up on the hope that you wall pay your past due balance. But, the debt is NOT gone. You still owe the money… you just have to figure out...
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