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Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Debt collection agency rules - There are important facts you need to know before you contact; or are contacted by, debt collection agencies.

Credit counseling - Learn about credit counseling and how to choose a good company.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Government debt consolidation loans - Truth about government loans to pay bills.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Track expenses - Free software to track where you spend your money most.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.




Balance Transfer Debt - Before you balance transfer credit card debt, read this important article. It may be better to consider alternatives! Personal Debt Increasing - Personal debt increases, as Americans spend more than their disposable income, according to the Bureau of Economic Analysis Debt Settlement Facts - Is debt settlement right for you? Learn about the debt negotiation process. Ending the Debt Cycle - To end the debt cycle, parents and teachers must educate children on sound financial management and long-term planning. Economy and Debt - Are consumers digging a debt hole if the economy slows? Debt Consolidation and Debt Settlement - Learn the differences between bankruptcy, debt settlement and credit counseling. Pre-Bankruptcy Credit Counseling Bad News - In an effort to reduce the number of bankruptcy filings, the federal government passed legislation that requires debtors to first engage in credit counseling, AKA debt management, prior to filing bankruptcy. But is this back-firing and causing more debt problems? Divorce and Debts - Facts about Divorce and Paying Debts on an Individual or a Joint Spouse Account. Student Credit Card Debts - College student credit card debt is a tough lesson to learn, but credit counseling can help with those bills. Pay Off Debt Options - When you have available funds, should you pay off debt? What should you consider. Unknown Debt Collection Agency - Is a debt collection agency calling and harassing you about a debt you do not recognize? Know your rights. Consumer Debt Late Payments - Consumer debt has increased, resulting in late payments in multiple loan categories. Debt Settlement - Debt settlement is one option for people to consider who are too deep in debt for a repayment plan. Marriage Debt-Lock - Wedlock could become Debt-lock. Avoid and recover from marriage debt. Surveys reveal that money; mainly high credit card debt, is a leading causes of divorce. And debt can be especially troublesome if one spouse is amassing it behind the other's back. Although one spouse may be generating most of the credit card debt, both spouses are equally responsible for ensuring timely repayment. Good Bills VS Bad Debt - In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? Payoff Credit Card Debt - Solutions and alternatives to payoff credit card debt and stop more debt. Bankruptcy Debt - The clean start promised by bankruptcy is under attack as big lenders continue shaking money from the pockets of consumers whose debts were discharged by the courts. Fraud and Credit Scams Target Debt People - People with big debts are often targeted for credit scams and fraud. Credit Card Charge Off - As Christmas approaches and while shopping is in full swing, credit card charge off volume was higher this quarter. Debt Settlement Company FAQ - Can a debt settlement company really lower your debt so you can pay off in a few years? Unpaid Credit Card Debt - The amount of unpaid credit card debt escalates as spending continues. Payoff Debts Without Loans - Bills may be sticking up, but there are simple ways to payoff debts and without using credit cards and loans, and without counseling or to negotiate settlement. Long Term Plan to Pay Off Bills - Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. $7000 Debt Question - A visitor says: "I have about 7000 in debt. My credit is not good . I am looking to change that I do not have collateral to put down on the loan . Is there anyone who can help me. Please I'm desperate." CreditFederal responds: Since you have credit problems and no collateral, it's unlikely you'll be able to obtain a long term $7,000 loan, particularly at a favorable interest rate even if you could get approved.  What Is Unsecured Debt Consolidation - What is unsecured debt consolidation, the advantages, pros and cons over counseling and chargeoffs, or should you negotiate settlement? Credit Card Balance Transfer Debt - How to avoid; and get out of, credit card balance transfer debt that builds up by transferring balances. Manage Debt Yourself - Do-It-Yourself tips on how to manage debt to get finances under control. Should you chargeoff or payoff bills, consolidate or negotiate settlement? Debt Solutions - There are many debt solutions. Which one is right for you; and best, whether a debt consolidation loan, complete chargeoff, credit counseling or to negotiate settlement, depends upon your financial situation, goals, and personality. Christian Loans and 7 Year Debt - Why is unpaid debt removed from credit reports after 7 years? Why not allow bad credit report entries to remain long term, beyond 7 years? Stop Credit Card Debt Abuse - Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction. Calculate Debt And Payoff - Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement? Debt Collectors - No savings account and debt collectors calling? Even though options like credit counseling to setup repayment plans or debt consolidation loans to reduce bills, many Americans are facing a chargeoff or are negotiating settlements. Debt Collection Statute Of Limitation - Are old bills and debt collection agency phone calls troubling you? Read our article about the debt collection statute of limitation for how long creditors, bill collectors and debt collection agencies may legally pursue repayment. Money To Payoff Debt - Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Free Debt Relief Advice - Perhaps your credit mistakes are the reason why bills continually pour into your mail box despite debt consolidation efforts, struggles to payoff and/or to negotiate debt settlement chargeoffs. Read our free debt relief advice. Statute of Limitations Debt Collection Act - Rules and statue of limitations for debt collection. Learn how to deal with debt collection agency harassment and how to negotiate debt settlement. Download our free personal finance calculators so you can track  expenses and manage checkbook register entries. Debt Relief Tips - CreditFederal offers abundant resources to deal with debt, including professional services like credit counseling, debt management and debt negotiation, as well as do it yourself free debt relief tips. Short and Long Term Debt Relief - Even bad credit people have more than one option to get short or long term debt relief. Here are some options; other than asking family and friends for money, and a few warnings. Biggest Debt Mistakes - Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. How To Reduce Debt - It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Debts And Bills - Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses. Debt Free Money - The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements. Stop Debt Save Money - Tips on how to stop debt and save money. Plus free personal finance calculator downloads to create budgets, assist with bill payments and free checkbook register software. Debt Collection Agency Negotiation - Cannot repay bills? Free tips for debt collection agency negotiation and sample payoff letter. Before you agree to a loan or credit card debt settlement chargeoff, read our advice. Debt Collector Verification - Free sample letter and advice on how to get a debt collector to prove you owe money. Stop Credit Card Debt - Charging too much credit card debt? Free tips on how to stop credit card charges, plus free computer software to track expenses. College Student Credit Card Debt - According to a survey, 1 in 4 college students incur $5,000 in credit card debt. Use our free financial calculators to create a budget and track expenses, and get a free credit counseling quote. Debt Settlement Vs Debt Consolidation - What is the difference between a Debt Settlement Program and Debt Management Plan (DMP)? With debt consolidation; also called a Debt Management Plan (DMP), you continue to agree to pay back every penny of the debt you owe, plus interest although the interest may be reduced. Many debt management companies tack a monthly service fee onto your monthly payment.  Debt Loan Advice - Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt. Creditor Rejects Debt Settlement Negotiation - What to do if a creditor rejects your debt settlement offer and refuses all negotiation. File bankruptcy with an attorney or get professional debt counseling consultation? There have been news reports of homeowners; behind on mortgage payments, have ceased rendering payments and are forcing lenders to renegotiate the loan terms. In all actuality, this is not a good thing to do.  Can Debt Collectors Put Me In Jail - One question often received is: Can debt collectors put me in jail for not paying my bill? If you need help, consider credit counseling, professional debt negotiation or do-it-yourself free debt settlement. Truth: Debt collectors cannot put you in jail for not paying your bill. But that doesn't stop debt collectors from trying all sorts of underhanded tactics to get you to pay.There are no 'debtor prisons', and being in debt is not a crime.  Payoff Credit Card Debt - Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement. Old Debt Collections - Are old debt collections resurfacing? Zombie Debt Collectors will try to get you to payoff old obligations like credit card debt. Learn how to respond, debt statute of limitations and your rights. Fighting Old Debt Collection Attempts from Zombie Debt Collectors Definition of Zombie Debt: old debt purchased by debt collectors with the goal of intimidating borrowers into paying off the debt.  Fake Phantom Debt Collectors - Don't be a victim of fake, phantom debt collectors. Know your rights under the Fair Debt Collection Practices Act. If you do have bill paying problems, consider credit counseling or negotiate debt settlement. Stop Debt Collection Agency Calls - You have the right under federal law to stop debt collection agency calls. Tools and sample letter for you to send to stop harassing collectors. Also consider credit counseling and debt settlement. Harassing Debt Collector Fined - A harassing debt collector was fined $2.25 million. Review federal regulations and rules that protect your rights. If you need help with a debt collection company, consider do it yourself free debt settlement, credit counseling or an unsecured debt consolidation loan. Consumers like you help fight against harassing, threatening debt collectors. Credit Card Debt Advice - Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankruptcy or to reduce payments. Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy - Put debt tools to work for you. Create a budget and learn about your debt relief solutions including debt management, debt consolidation, debt settlement, credit counseling and bankruptcy. Download our free budget software and our free electronic checkbook register to track expenses. Credit Card Debt Default - Interest rate hikes to offset high risk may be increasing credit card debt defaults and worsening the credit crisis. It's like an unsecured loan version of the mortgage mess. For debt relief, consider a debt settlement chargeoff, credit counseling or an unsecured debt consolidation loan. High Rate Credit Card Debt - High interest rate credit card debt could result in bank credit limit decreases, even higher rates, and subsequently maxing-out and getting hit with over limit fees. If your credit card debt is a financial burden leading you to bankruptcy, take action now with credit counseling, debt consolidation or perhaps negotiate a debt settlement type of chargeoff. Debt Collectors Violating Do Not Call List - Are debt collectors violating the do not call list and harassing you? Learn your rights, like sending a cease and desist letter or a debt verification, and learn the debt statute of limitations. Free Debt Collection Agency Tips - Free debt collection agency tips and your rights to help you deal with harassing bill collectors. Credit Card Debt Relief - Secured and unsecured loan options, counseling, debt settlement chargeoffs and other tips for credit card debt relief. Cant Make Credit Card Payments - When you cant make credit card payments or even pay the minimum due, you have options which include an unsecured debt consolidation loan, credit counseling, debt management, or you could negotiate a debt settlement chargeoff or file bankruptcy. Get Out of Payday Loan Debt - How to get out of payday loan debt. Your rights and solutions and tips other than filing bankruptcy for even the most desperate people. Negotiate repayments, get a debt consolidation loan, lower fees with credit counseling or chargeoff a portion through debt settlement. Free Tax Assistance for Seniors and Low Income and Tax Debt Help - There could be help for getting taxes prepared if you are low-come or elderly as the Internal Revenue Service is expanding and forming partnerships with community organizations to help these taxpayers get service. This service is through the VITA or "The IRS Volunteer Income Tax Assistance" program and is for those who earn less than $42,000 and the TCE or "Tax Counseling for the Elderly" for taxpayers who are age 60 or older. Tax Debt Help - You don't need a tax attorney to help you get tax debt relief, nor do you need a loan to pay taxes. The IRS offers free tax debt help to settle for a lower amount owed without filing bankruptcy. You've seen the ads on TV... an attorney offers tax debt help to settle your IRS debt for pennies on the dollar. Can they really do it? Yes. BUT so can you, on your own, without having to pay lawyer fees and without filing bankruptcy.  Stop Bill Collector Calls and Threats - Free tips to easy stop bill collector calls and threats by learning your rights. Stop debt agency harassment, plus advice on how to negotiate settlements. Sample debt verification and debt settlement letters. Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company - Review the main pros and cons of Do It Yourself Free Debt Settlement VS a Professional Debt Negotiation Company to chargeoff bills and high balances. Student Credit Card Debt - Student credit card debt is on the rise. To help payoff credit card balances, consider a student consolidation loan to free up monthly money, balance transfer credit card balances to a 0 intro card offer, then use the savings to make higher repayments. Chargeoff Credit Card Debt and Rebuild Credit Score - It may take time, yet eventually you can rebuild credit after you chargeoff credit card debt. Review our free tips on how to negotiate debt settlements with creditors, and advice on how to rebuild credit. Chargeoff Credit Card Debt To Avoid Bankruptcy - If you are near bankruptcy, you may want to chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. The credit crisis and bumbling government legislation have created a catastrophic domino effect. After consumers had tapped out their mortgage equity and had no where else to turn, they ran up credit card debts.  Settle Credit Card Debt - Some consumers have been living off their credit cards by using them for simple things like rent, groceries, or other basic expenses. One reason may be that many consumers have lost their jobs during this economic crisis. Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Did you know? A debt settlement company is more experienced and can negotiate a larger settlement amount. Free Tips to Avoid Credit Card Charges - Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements. Debt Arbitrators Code of Ethics - Review the Code of Ethics of the International Association of Professional Debt Arbitrators  Apply for Debt Settlement or Counseling - Click Here - Preamble and Applicability -This Code of Ethics (the "Code") has been adopted by IAPDA to provide principles and rules to all persons whom it has recognized and certified to use the "CDA", "Certified Debt Arbitrator" and "CDS", "Certified Debt Specialist" designations. Free Debt Advice - Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Old Debt - "Old Debt" used to indicate debt that was several years old, but now it has another, new definition: debt owed by elderly persons. Not only do single parents struggle with bills, but now even your grandparents may be experiencing elderly debt problems. Don't think that grandma and grandpa may be living a nice retired life without any debts. It seems that the older generation may be the ones who have debts that are above $10,000 and growing.  Credit Counseling VS Debt Settlement VS Bankruptcy Filing - When you need debt relief, your three big options are credit counseling, debt settlement and bankruptcy filing. Review free tips before choosing. Who Pays Joint Spouse Debt - Who pays joint spouse debt after divorce or during marriage separation? What are creditor and law rules? Before divorcing, settle debts either with a payoff loan, debt settlement chargeoff, or refinance debt in one spouse's name. Lower Credit Card Balances - A federal government report reveals lower credit card balances for consumers. If you can't payoff credit card balances, get free debt settlement, credit counseling and debt consolidation quotes. Previous articles: Balance transfer credit card - How to safely transfer balances to a 0 intro card. Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company. Getting out of Joint Credit Card Debt - Information about applying for and getting out of joint credit card debt. Submit a joint credit card account application or apply for joint spouse debt settlement. Credit Card Debt Relief Options - Learn the processes for credit card debt consolidation and credit card debt settlement and choose the debt relief option that is best for your financial situation. Get Out of Debt Free and Fast - Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company. Legitimate Debt Relief, Consolidation and Settlement - You can get out of debt. There are many legitimate debt relief options, including debt consolidation, debt negotiation, and do-it-yourself free debt settlement. Debt Settlement Advice - Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice. Credit Card Debt Settlement - Credit card debt settlement, also known as debt negotiation and sometimes as a balance chargeoff, may be a good option if you are burdened by credit card debt to the point of filing bankruptcy. What Is A Debt Management Plan - Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Counseling, Consolidation and Other Debt Relief Options - Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Debt Management Counseling Info and Advice - Debt management counseling information and free debt relief advice. Credit Card Charges can cause Long Term Loan Debt - Credit cards are a money management tool that can be used as a short or long term loan, so building credit card debt can happen quickly and easily with high outstanding balances. Debt Management Tips - Free debt management tips and advice on how to get bills under control. Secured and Unsecured, Paid and Free Debt Relief Programs - Just as there are many different types of secured and unsecured debt, there are almost as many debt relief options both free and paid, including filing bankruptcy, personal budget debt management, debt settlement negotiation and credit counseling. Credit Card Christmas Debt - Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan. How to get out of payday loan debt - Looking for a way to repay payday loans, or to negotiate a payoff settlement? Debt Management Plan Advice - Review our free debt management plan advice: Organizations that advertise credit counseling often arrange for consumers to pay debts through a debt management plan (DMP). In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they've worked out with you and your creditors. How to Tell Debt Collectors Not to Call - You have the Right to Tell Debt Collectors Not to Call You - Read our Free Tips If a debt collector is calling constantly about debts; whether you actually owe or not, you have the right to tell them not to call you. Many consumers have resorted to changing phone numbers or disconnecting their phone due to the constant harassment of debt collectors. College Debt Grant Question - Zachary asks: "What Grant programs if any can a veteran apply to for student loan debt. I owe over $90,000 in student loan debt. I have under $30,000 in past Credit Card debt. We've already consolidated everything as much as possible. I have 10% service related disability. Please help if you can. "Answer: Thank you for visiting our site and for submitting your advice request. Higher Loans with Lower Interest Debt - The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt. Interest rate cut could generate higher loans and credit card lines of credit while reducing new overall debt balances. The Federal Reserve prepares to lower interest in a continuing attempt to help our struggling economy. It's simple math. Sample Debt Settlement and Negotiation Letter - The sample letter below is intended to be used as a comprise letter to creditors. VIA CERTIFIED MAIL RRR # (PUT THE NUMBER OF THE CERTIFIED MAIL RECEIPT HERE) YOUR NAME YOUR ADDRESS CITY, STATE, ZIP CODE Today's Date Place collector's name here Collectors address Collectors city, state, zip RE: Acct.# 5555554441Dear (who ever you spoke with): As we discussed, I became unemployed and was no longer able to pay on my account. Zombie debt collectors - There are Zombie debt collection companies that buy bad debts for pennies on the dollar and then hassle you to pay, many operating in violation of federal law. Debt Consolidation Loan - Apply for a debt consolidation loan, or for nonhomeowner debt consolidation. Who qualifies? Read our debt article! Credit Card Debt - Tips to avoid and how to get out of credit card debt.  If you need professional help, use our preferred resource to eliminate credit card debt. Click below to read this article. Bill Collector Bad Debt Collection - A new scam against credit consumers involves debt collection agencies inventing past due bills and demanding repayment. Inventing fake debt and trying to get money from consumers who don't even owe. According to The Consumerist, One such collection agency (Moreno and Woods), made up a debt and lied about a court judgment to get a consumer to pay $20,000. Credit card debt cancellation letter - You cannot simply stop paying credit card debts you had accrued. Even if you send your credit card company a cancellation letter; and even if you tear up your card, you are still responsible for paying any and all unpaid charges, transfers and fees. Debt Glossary - Credit and Debt Definitions Dictionary - authorized user - A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance. annual fee - a yearly fee ranging from $15 to $300 charged by the credit card company for the convenience of the credit card application fee - the fee charged by a credit card company or bank for processing your application for credit APR - annual percentage rate average daily balance Get Out of Christmas Credit Card Debt - Free tips and advice on how to get out of Christmas credit card debt. Did your credit cards gain a few pounds over the holidays along with you? It is fun to make charges on credit cards during the holidays and see the joy that gifts bring. That is until the credit card statements glare at you from inside the mailbox. Just like we put on extra pounds - so will credit card balances during the holidays. Christmas Debt Personal Loans - A long term debt consolidation loan to payoff Christmas credit card bills. Homeowners can use the equity in their homes to obtain a low interest, long term debt consolidation loan, and use that money to payoff high interest debt. Depending upon their current mortgage interest rate and their refinance rate, they may also be able to reduce their mortgage payments. Review lender Terms & Conditions before signing a loan agreement. Chargeoff Christmas credit card debt - File bankruptcy or chargeoff Christmas credit card debt and other unsecured bills. If you've exhausted all solutions for meeting your financial obligations, it may be in your best interest to file bankruptcy. Although bankruptcy is much the same as simply not repaying debt, it's a legal chargeoff procedure. Ways to payoff Christmas credit card bills and debts - You could use gift cards, cash, credit counseling or debt settlement to get rid of Christmas bills. Sue a Debt Collection Agency and Reasons to Pay a Collector - Yes, you can sue a debt collection agency for violating regulations, yet there are good reasons why you should pay debt collectors instead of defaulting. Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? One way to get a relatively low interest, long term loan is to use the equity in your vehicle to secure a loan. If you still owe money on your auto and don't hold the title in your name due to a lien, apply for a refinancing loan.  Debt Collection Agency Contact Phone Number and Address - Below is an alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address.  A2z Judgment Recovery Services PO Box 23758Flagstaff, AZ 86002Phone (928) 814-6116AAA Credit Service Collection Agency520 N. Brookhurst St #204Anaheim, CA Phone (714) 533-6676AAA Judgment Recovery Services4579 Laclede Ave. S204St. Louis, MO 63108 Phone (314) 603-1825 Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - A reader asks: "I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? " Answer: You can win with either option. The option which can save you the most money is to payoff credit card debt. You would save the card's interest charges you would have had to pay, which is a far higher rate than what a typical bank savings account pays. Signs of Debt Relief Scams - Whatever the reason: Inflation; Insufficient Income; Inability to Maintain a Budget or just too Stubborn for Saving; some of us get so desperate that we look before we leap when selecting debt relief. Of course not all debt relief companies are scams, yet some do engage in illegal or deceptive practices. To avoid scammers all you need to do is watch for telltale signs and verify references from legitimate resources. Secret Tricks Debt Collectors Use - Divorce, bankruptcy and even dead debt beyond the statute of limitations can be resurrected as Zombie Debt through secret tricks debt collectors use. Before You Answer Debt Collector Calls - Before answering debt collector calls, first understand your rights and be wary of mistakes other people often make. Stop Payday Loan Debt Borrowing - Are you realizing you have become dependent on payday loans? If so, that's actually a good sign as it means you are recognizing a problem. One which you otherwise can't fix without first acknowledging. When asked why payday dependent people continually obtain these short term loans, a common response is that they are low on funds and have bills due. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Settle Deceased Person's Debt - When a relative or other loved-one dies, you certainly don't want to be hounded by debt collectors who are ghoulishly seeking debt payment. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Track Down Original Creditor for Debt Collection Agency - Don't payoff someone else's debt collection agency. Track down the original creditor to make sure you owe the money. Non-Dischargeable Debt Bankruptcy Lawsuit - You file bankruptcy to avoid repaying debts, but then a creditor files a non-dischargeable debt lawsuit to ask the judge (court) to determine the debt owed is non-dischargeable. This lawsuit is often based on the debtor obtaining the credit through fraud or a false financial statement. Christmas Debt Consolidation Loan - Get a Christmas Debt Consolidation Loan to payoff credit card bills in full. Review the benefits and compare lenders. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. This holiday snowball can end up causing extreme financial stress on you and your family. If you've accumulated a mass of credit card debt which you simply cannot afford to repay and if you have no other options, you may want to consider a Christmas credit card debt settlement.  Smartly Recover from Christmas Debt - What is the smartest way to recover from Christmas Debt? Review these tips. Christmas Credit Card Debt Statement - How your Christmas credit card debt statement knocked the holiday spirit out of you? Check this out. Debt Help with Payday Loans - You can get debt help with payday loans with debt consolidation or do it yourself negotiation. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself You don't need to hire a company and pay fees to charge off Christmas credit card debt. You can do it yourself, free. Debt Help Without Ruining Credit - Here are ways to get debt help without ruining credit scores and may even improve. What Debts are Discharged in Bankruptcy - An example listing of what debts are discharged in Bankruptcy, Chapter 7 and Chapter 13. Common Debt Terminology Definitions - What is the meaning of... Common Debt Terminology Definitions Account Payable: Any amount owed as the result of a purchase of goods or services on a credit basis. Although a firm making a purchase issues no written promise of payment, it enters the amount owed as a current liability in its accounts. Companies often incur this type of short-term debt in order to finance their inventories, especially in industries where inventory turnover is rapid.  Junk Debt Collectors of Old Bills - Junk debt collectors of old bills are relentless in their pursuit of profit. Debt Help for Unemployed People - Review these free tips and options which offer debt help for unemployed people. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills. Writing Off Debt Legally - Legally write off debt and have it forgiven What Happens to Debt After Seven Years Statute? - After seven years or other length of debt statute of limitations has been reached, what happens to the old debt?*Seven years is a common time span for most debt statute of limitations. After the limitation has passed, many negative items can be deleted from your credit report. That includes things like late payments, debt collections and charged-off accounts.  Government Debt Relief Company Rules - Federal government debt relief company rules to protect consumer rights. Government Debt Agency Regulations The government Federal Trade Commission has issued rules for any company or agency which sells debt relief services to consumers over the phone in order to make a profit. The rules affect debt settlement, debt negotiation and credit counseling companies who call consumers to get them to hire their services.   Debt Consolidation Loan for Bad Credit People - The immediate solution considered for getting bills under control is to consolidate. Yet debt consolidation for bad credit people may not be available without some form of collateral. what happens when you have high debt and bad credit, is that you become a very high risk to lenders. Lenders worry that if you are having trouble paying your current bills, how likely will you be able to repay an unsecured loan?  Is My Debt Too High - Most everyone's debt is too high, and not just individuals either... even the US government is in deep debt. Current US debt is over $17,500,000,000 (that's 17 trillion) President Obama: Added $5.081 trillion, a 44% increase to the $11.657 trillion debt level attributable to President Bush at the end of his last budget, As for individuals...U.S. household consumer debt:* Average credit card debt: $15,191* Average mortgage debt: $154,365*  Bad Debt Management Company Red Flags - Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little. You can consult The Association of Independent Credit Counseling Agencies; a national association of non-profit credit counseling agencies, for a list of member companies. Members of the AICCCA must be non-profit credit counseling agencies who are properly licensed to business in their state. Debt Help for People on Benefits - Debt Help for People on Benefits, SSI or Senior Citizens Question: Can my SSI disability benefits be seized to pay credit debt? SSI disability benefits can never be taken to pay any type of debt, since they are intended to pay for subsistence-level food and shelter for the recipient. Even a lump-sum SSI check for back payments or accumulated SSI benefits in a savings account may not legally be garnished or seized.  Payday Loan Debt Settlement - Payday Loan Debt Settlement is one option for people who no can no longer qualify for unsecured credit cards, thanks to Democrat Party regulations.  Click Here to Get Out of Payday Loan Debt Since payday loans are one remaining life-line of credit for millions of Americans due to Democrat card regulations, it's the financial source most often used. Unfortunately, overuse of most anything can lead to problems. Credit Card Company Debt Hardship Program - How a Credit Card Company Hardship Program Works for Balance Debt Relief Reduce Bills - You can reduce bills free on your own or you can get professional debt reduction assistance online. Good Bills VS Bad Debt - In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? $10000 Loan for Credit Card Bills - Need a $10000 loan to payoff credit card bills? Here's where to get it. Online credit card and loan applications. Long Term Plan to Pay Off Bills - Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. Money To Payoff Debt - Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Biggest Debt Mistakes - Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. How To Reduce Debt - It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Debts And Bills - Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses. Spouse Died with Credit Bills - What you should do if your spouse died and left behind unpaid credit balances and other bills in the spouse's name.1) Check to make sure the bills are legitimate, that some scam artist who pilfered through the obituary is not trying to fraud you out of money. If you're not sure of the legitimacy, write to the creditor and ask for an explanation.2) Pay the bills timely as was done before your spouse's death. Free Debt Advice - Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Go To Jail For Not Paying Bill - Can you go to jail for not paying bills? Learn your debt protection rights and avoid being a scam victim. Pay Credit Card Bills for Rewards - When you pay credit card bills on time, it's not uncommon to be offered better rewards credit cards and lower interest. If you cannot pay credit card bills, consider options. What Is A Debt Management Plan - Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Counseling, Consolidation and Other Debt Relief Options - Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Chargeoff Credit Card - Chargeoff credit card debt, unsecured bills. Read this debt article and do-it-yourself or click for professional help. Need Loan to Pay Bills - A visitor requests advice regarding personal finance situation. The visitor writes: "I hope I'm not wasting anyone's time, but we are in a desperate situation and I'm hoping your company may be able to help us. I was sick for over 3 years and being self employed and not able to have medical insurance, it completely destroyed our finances and credit.  Christmas Credit Card Bills - Christmas credit card debt? Get help to eliminate or pay off Christmas bills. Read this article! Ways to payoff Christmas credit card bills and debts - You could use gift cards, cash, credit counseling or debt settlement to get rid of Christmas bills. Medical Bills Bankruptcy Filing - You have options to file for medical bankruptcy: Chapter 13, 11 or Chapter 7. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Unpaid Medical Bills Affect Credit Score - Currently unpaid medical bills are identified on credit reports. The main reason why is that it provides lenders with a great gauge to measure how much you can afford to borrow and repay. Someone with $5,000 in unpaid medical bills; for example, isn't like capable of affording a $3,000 loan. Yet here's an amazing fact... you can still find lenders who ignore outstanding medical bills since more and more people have these expenses.  Junk Debt Collectors of Old Bills - Junk debt collectors of old bills are relentless in their pursuit of profit. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills.





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There are important facts you need to know before you contact; or are contacted by, debt collection agencies. Review collection agency rules.


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About Debt Collection Agencies & Government Rules


Before you talk to a debt collection agency, first review these facts:


* Debt collectors have heard every sob story, and they will likely believe you are a liar anyway. Although they may seem sympathetic, they note your excuses as 'HLS' (Hard Luck Story). You're simply wasting their time, and to them time is money, so they will keep pushing for payment no matter what you say. They'll make suggestions such as borrowing money from friends and family, withdrawing from your 401k, or even paying off the debt with a credit card (or a different credit card if the collector is calling to recover a credit card payment).


* Debt collectors do not share your opinion you have about them. They feel they are; and may very well be, a vital part of the economy. Collection agencies do in fact help companies collect accounts that may otherwise end up 100% defaulted, thus they help to level the economy.


* Debt collectors earn a bonus based upon how much money the collect. Successful debt collectors earn bonus revenue of $10,000 or more - a month! That's why your collector is so aggressive. If you are unable to reach a settlement agreement with the collector you're talking to, hang up and call back later and hope for a different collector who is more willing (or desperate to earn a bonus) to reach a settlement agreement beneficial to you.


* Debt collectors can agree to a settlement arrangement in virtually any percentage. Most debt collectors are authorized; before they even call you, to accept a settlement offer. Typically; without much negotiating hassle, you can get a preapproved reduction of 15 to 35 percent on credit card debt, and up to 50% on other debts. With additional negotiating, you may be able to get higher savings. Just make sure you and the collector are talking about a "payoff settlement" and not a "payment agreement" which would require the balance to be paid later. The reason why you can negotiate a lower payoff, is because a lot of agencies buy debt for pennies on the dollar. So start off by offering 25 cents on the dollar, such as "I have $300, will you accept that as payment in full?" If you reach a settlement agreement, some collectors may claim to be trained to take your application. But they already know your information, right? So why are they asking for your cell phone, your spouses cell phone number, your work number? It's a way to get the information they need to find you in case the settlement falls through. So before you give additional personal information or send your check, first get them to confirm; in writing, the settlement amount and that the settlement payment will payoff the debt in full.


* Most 'debt collection managers' are merely debt collectors themselves. Sometimes during the negotiation process, your debt collector may say he/she needs to get a manager involved (which is actually simply another debt collector). The other debt collector will pretend to be more harsher, so you'll end up feeling grateful for the offer the first collector quoted you. And subconsciously you'll feel like you are outnumbered and more ready to give in. And don't even bother to ask for a manager. You're better off just calling back and getting a different collector on the line to negotiate with.


* Debt collectors will try to recoup debts which are beyond the statute of limitations. So first make sure the debt is still 'live'. If the debt is beyond the statute of limitations, debt collectors cannot sue you nor put it in your credit report. However, if you make any kind of payment; or even acknowledge the debt, that usually reactivates the account.


* Debt collectors will call you at work in hopes of embarrassing you to pay up. To get them to stop calling you at work, specifically ask them not to and by law they have to stop.


* Many debt collectors use automated phone dialing/messaging which is just a recording of a fake person. When you call back and ask for that person, the agency may say he's out to lunch and offer to help you instead.


* Debt collectors are forbidden by law to threaten to have you arrested, to use profanity, or to call before 8 am or after 9 pm. If a debt collector violates these regulations, report the matter to your state attorney general's office and the Federal Trade Commission - Those are violations of the Fair Debt Collection Practices Act.



Debt Collection Agency Secret Strategies to Contact You and make You Pay:

  • Using data mining companies to find as much contact information about you as they can, like your email address, phone, physical address and place of employment.

  • Contacting your family and neighbors at your old address as well as your new address.

  • Searching social networking sites like Facebook, MySpace, LinkedIn and other networking communities. Your profile or blog may tell a debt collector where you work, who your friends and colleagues are, the names of your spouse and children and so forth.

  • Pretending that they're an old friend looking to reconnect with you. Using information they've found from any of the above sources, they’ll call an unsuspecting employer, friend, neighbor, or family member. The person on the other end of the phone feels like they’re helping two old friends get back together and gives them your cell phone number, work number or home number, new address, and/or email address.

  • Reviewing your credit report: Collectors often have enough information about you to know your current financial status. Be aware that if you're in a negotiation with a creditor, they're going to have a lot of information on you. Be aware that if you have a car payment and that's up to date or credit cards that are open and up to date, a collector is going to see that and say, 'Why aren't you paying the bill I'm trying to collect?"

Things not to say to a debt collector:

  • Do not readily admit to the debt. First, check to see if the debt has expired; or is about to exceed your state statute of limitations for debt. If; for example, your state's statute of limitation is 5 years and the debt is 6 years old, the collector cannot pursue you unless you 're-activate' the debt by admitting to it. Also, if the debt is soon to reach your state's statute of limitation, admitting to the debt will start the clock over. Thus is the limitation is 5 years for your state, and the debt is 4 years and 10 months old, by admitting to the debt you'll start the clock all over and the collection agency will have yet another five years to collect from you.
    Do not acknowledge the debt even if you know it is yours and even if you have the money to pay. First, make the collector prove you owe the debt. If the collector does not have copies of the agreement you had with the creditor and cannot prove you owe the debt, they cannot sue you for payment. If they cannot produce the documents, tell them to discontinue pressing you for payment of something you do not owe.

  • Don't let the collector know you are concerned about your credit score, or that you want to make sure you can get approved for a loan or credit card. A debt collector can prey upon your weaknesses. When negotiating a settlement agreement, you don't want the collector to have an advantage, nor an impression that he/she won't have a difficult time getting you to pay. You want collectors to think you really don't care and; basically, you'll give them a little money to completely settle the debt just to be done with it. Otherwise if they won't deal, you'll just ignore their calls.

  • Don't give a collector your credit card number nor send a post-dated check. Even if you desire to pay the debt, giving a collector open access to charge any amount to your credit card could turn out badly. As for a post-dated check, there's no requirement for a bank to not cash it until the posted date. You should send your check payment expecting the collector to cash it right away. In the memo line, place a note to the effect: "Debt Payoff In Full" along with the account number created by the creditor. As mentioned in our other article, don't send your payment until you receive the settlement agreement in writing and it meets all your expectations.



Debt collector offering settlement: Since the best time for you to conduct settlement negotiations with a collection agency is at the end of the month, if the collector is offering a fair settlement at that time it's likely because he/she is desperate to earn a collection bonus. Collectors prepare for you to reject their first offer, so they don't offer as high a discount. You're very likely to get a better deal if you haggle and turn the pressure on the collector instead of letting the collector pressure you. You can pressure the collector to accept your offer by letting them know you owe other debts which you may settle soon as they are offering you a good deal, so you'd rather settle with them first and maybe later re-negotiate.

Debt collector script - Per federal law, debt collectors are required to state their name, the name of the collection agency they are working for, and the creditor they are representing. Typically the phone call will start like this: "Hello, [Skip Debtorman]? Hi, my name is [Bill Collectorguy], and I'm calling from [Debt Collection Agency], on behalf of [Creditor you owe] regarding the [$##### debt owed]. First off, I need to let you know this call may be be recorded for quality assurance and this is an attempt to collect a debt. Any information obtained will be used strictly for that purpose."

Debt collector calling wrong number? To get in touch with you; in addition to any cosigners you may have had, debt collectors will call your friends. Debt collector calling relatives, too? A debt collector harassing family is one of their tactics, not only to contact you but to also pressure you to pay up. Collectors will contact family members and people whom they suspect may be family members, typically based upon last name. They know it's not likely that you'll be reachable at those phone numbers, but they will call in hopes the answering party will voluntarily give them your contact information, perhaps so they will contact you and stop calling and harassing them. In other words, they are hoping those people will turn on you just so they will no longer get disturbed by collectors seeking you. And perhaps you'll be so embarassed by the calls that you'll pay up.

Debt collector automated calls (robocalls): The federal; and state, Do Not Call Lists also applies to collection agency robocalls. Since many of these automated calls do not provide an opt-out option, you can nonetheless report unsolicited phone calls and the company may be fined. You can match debt collector phone numbers seen on your caller ID to our directory listing of collection agencies (below).



Debt collector associations - Below is a directory of debt collection agency phone numbers:

Absolute Resolutions Corp 800-713-0670
Applied Income Sciences, LLC 415-373-6981
Arches Financial, LLC 801-466-2130
Asset Acceptance Capital Corp. 586-446-7826
Capio Partners, LLC 678-682-3680
Collins Financial Services, Inc. 800-570-5007
Contact Solutions Group , LLC 732-214-2663
Crown Asset Management, LLC 770-817-6700
Debt Trade Partners, LLC 888-828-9957
Fourscore Resource Capital, LLC 952-253-6300
Genesis Financial Solutions 503-268-5815
Global Debt Network, Inc. 866-559-4339
Hudson & Keyse, LLC 800-654-1660
International Credit Services, LLC 707-255-9800
National Capital Management 888-707-4099
NCSCorp 800-426-8648
NorAm Capital Holdings, Inc. 888-886-6726
Nu Sun Financial Services, LLC 908-756-9988
Oliphant Financial, LLC 888-632-5111
PEC LLC 212-461-0856
Portfolio Recovery Associates, LLC 757-961-3533
PPC Distributors, LLC 714-227-0617
Professional Recovery Systems, LLC 800-308-5101
The Judgment Group 410-643-3310
West Asset Management 770-618-2206
13 One, LLC 901-758-5766
A P SOLUTIONS 716-725-0290
A. A. Action Collection Co. 973-740-0044
A.G.Lacy 443-686-6069
Accounts Recovery Corporation 888-254-1998
Accounts Retrievable System 516-783-6566
AccuSearch Information Systems, Inc. 519-686-0015
Acquisition Management, Inc. 478-471-6484
Action Capital Investments, Inc. 805-584-1000
Action Financial 602-493-8630
Affiliated Collection Services, LLC 573-234-2613
Afni, Inc. 800-767-2364
Aktiv Kapital Canada Ltd. 519.432.0075 ext 2355
Alec Burlington Credit Management 31-348436565
All Debt Traders, LLC 866-238-2160
All Seasons Professionals Inc 443-616-7587
Apex Capital Holdings, Ltd 702-979-4447
Archstate Financial 866-276-2724
Ariel Financial services 972-242-1767
Arrow Financial Services LLC 636-281-3338
ASA FINANCIAL LLC 609-858-2826
Asset Acquisition Group 303-694-0031
Asset Acquisition Group LLC 303-694-0031
Asset Maximization Group, Inc. 800-280-9770
Asset Recovery & Management Group, LLC 781-433-0222
Asset Recovery Solutions LLC 876-383-3745
Associated Receivables, Inc 706-868-5566
ASTA FUNDING INC. 516-431-5338
B & O Global Ltd (44) 7743813784
BAL Financial LLC 617-595-5794
BARRY R. GOLDMAN 866-648-6537
BAY Collection Services 740-417-4118
Bayview Financial Solutions 727-823-4500
Beltway Capital Management 615-883-1792
Big Sky Research Bureau, Inc. 208-936-4701
Big Ten Capital Management 612-331-6544
Boulder Credit Services 248-434-5114
Boulder Credit Services Inc. 877-972-9669
Bowsprit Financial Corp. 847-410-2726
Bradford Collins, LLC 678-468-8370
Burgeon Financial LLC 803-361-8821
Calloway Holdings 281-914-8636
Canyon West Financial, LLC 800-717-6009
Capital Adjustment Services, Inc. 952-930-0200
Capital Alliance Financial LLC 616-940-1190
Capital Assistance Group 617-965-2000
Capital Finance 760-776-5749
Capital Financial Group, Inc. 770-232-9016
Capsheaf Investments LLC 303-444-4002
Capstone Financial, LLC. 847-780-4742
Care Principium 91204031517
Carousel & Associates, LLC 716-909-4386
Cash Stream Recovery, LLC 407-478-4900
Cavalry Portfolio Services, LLC 602-667-0128
Cavalry Portfolio Services, LLC 914-347-3440
Cedarcrest Capital LLC 917-535-0331
Central Ohio Credit Corp 888-737-2622
Charge-Off Clearinghouse 512-502-0300
CIR, Law Offices 800-496-8909
Clost & Associates LLC. 716-835-2226
CNE & Associates LLC 716-471-1964
CNH Capital 262-636-5565
Collect America, Ltd. 303-713-2008
Collection House 2.54204E+11
Collections Group LLC 405-308-7402
Cosmos Financial, LLC 505-898-7223
Courtcases USA Inc. 404-795-1694
Covenant Management Group, LLC 770-287-1131
Creative Financial Solutions 269-353-9238
Credigy 678-684-5076
Credit Card Reseller, LLC 952-679-4387
Credit Corp Group 617-417-9489
Credit Corp Group Limited 612-934-7360
CreditMax LLC 561-352-2220
Creditor's Rights, Incorporated 216-832-4154
Creditors Service Company of Michigan Inc 248-486-4245
Crescent Recovery, LLC 866-807-2010
CR-ONE Solutions 716-823-0091
CSG Acquisitions, Inc. 201-592-0724
CSG Acquistions, Inc. 201-797-8200
CSI Financial Services 858-200-9201
Cummings, Mlcorey, Davis & Acho 734-261-2400
Cypress Financial Recoveries, L.L.C. 201-385-7900
Dahlink Financial Corporation 302-593-4340
DCL 409-892-4334
Debt & Collection Eliminators 407-760-0890
Debt Buyers Management 661-303-5081
Debt Management Partners 716-909-4773
Debt Management, Inc. 508-553-1904 561-317-7020
Deburygroup L.L.C. 207-999-9999
Dodge Enterprises, Inc. 904-509-1383
Dominion Credit Services 678-461-5550
DTC Global, Inc. 917-273-9222
Dumont Capital 214-965-5000
Dunstone Financial, LLC 602-275-1616
Eagle Group, LLC 724-657-1889
Ecklipse Technologies 347-661-4876
Elite Collateral Recovery, Inc 800-625-7376
Elite Recovery Services Inc. 716-270-2200
Empire Legal Recovery Services 877-376-0937
EnCircle Collections 305-592-7800
encircle inc 800-957-6600
Encore Capital Group 858-560-2600
Encore Capital Group, Inc 858-309-6019
Erin Capital Management 212-660-3146
ESM Enterprises 850-471-5081
Excelsior Funding Group, Inc. 770-963-4582
Fairfax Financial 770-912-3670
Fairway Financial Solutions LLC 972-869-7659
Faith Investment Group 404-641-2716
Falcon Collections Inc. 832-300-6007
Financial Debt Recovery Limited 800-763-3328
First American Portfolio Company, LLC 513-317-9328
First Amherst Financial of Colorado, LLC 303-331-8072
First Coast Receivables, LLC. 904-514-9494
First Commercial Credit Corp. 914-288-8668
First Financial Asset Management, Inc. (FFAM) 404-523-9901
Fly Financial Services, LLC 866-433-1518
Fourscore Resource Capital, LLC 952-253-6300
Fredrickson International Limited +44 1932 333000
Freedom Financial Services 281-829-1192
G L Recovery Group, LLC. 562-697-7237
Gault Financial, LLC 865-862-1120
Genas Management 404-604-4907
GFS, Incorporated 573-875-7966
Glass Mountain Capital LLC 800-583-0905
Glengarry Capital, LLC 314-994-1331
Global Acceptance Credit Corporation 817-288-0266
Gold Line Credit Services, Inc. 530-661-4350
Government Portfolio LLC 301-718-9742
Great Lakes Asset Management, Inc. 888-447-9610
Greens Financial LLC 402-291-8900
Grimley Financial Corp 856-672-1014
GT Services, Inc. 949-788-2990
Guaranty Financial, LLC 717-757-0067
H. Joshua Chaet 847-436-0008
H.A.P. Group Consulting L.L.C. 501-960-5395
Hall Burg & Associates 763-367-6200
Hamilton General Financial Corp. 317-773-3583
Harper & White Inc. 201-445-0570
Harris & Harris, Ltd. 312-423-7436
Harvest Credit Management, LLC 303-531-0631
Heartland Credit Management 913-451-5898
Henderson Goldberg & Clarke Inc 619-572-2997
High Mountain Funding Inc 973-423-1842
Hilco Receivables, LLC 817-885-8011
Hirshberg Acceptance Corp 734-261-2616
HMCC Inc 773-592-8167
HSW Financial Recovery, LLC 713-590-4172
Hudson & Keyse, L.L.C. 800-654-5391
Imextrade +48 326780017
Imperial Recovery Services 562-944-4522
Insource Financial Services LLC 631-424-1122
Instat Investments Inc. 800-466-2854
Integrated Account Systems 706-356-4299
Intergraded Financial Resources, LLC (IFR) 586-431-0100
international recovery associates 404-559-1220
Investment Capital Recovery LLC 480-282-8422
Island Trading International, Inc. 917-440-6934
J and K Investments 619-517-3611
J. P. Trust Company 914-712-3557
Jack Wolf PA 863-644-3747
Jacobs, Marsh LLC 716-568-8468
Jormandy, L.L.C. 757-747-6200
Judgment Enforcers 404-934-5146
Kramer Credit Services, LLC 401-438-9000
LA Debt, Inc. 678-595-9215
Law Offices of Andrew Becker PLC 757-340-7600
Leader Asset Management, LLC 404-417-5174
Legal Enforcement Service 410-585-0091
Lindquist & Trudeau, Inc. 800-996-9556
Lion Capital Group 866-300-2566
Litigation Enforcement Group 443-485-9527
Llewellyn Capital 46704163977
Luna Stelle Collections, II, LLC 518-489-0530
Mader Acceptance Group, LLC. 973-948-4575
Mako Financial Services, Inc. 954-922-3999
Marshall, Greene & Associates Inc. 866-702-7807
Mattia & associates 619-312-0539
Maximun Result 862-368-3625
Merchant Management, Inc. 615-309-4992
merchant solution recovery 678-665-9727
Merchants Credit Recourse 248-565-2093
Messerli & Kramer P.A. 763-548-7926
Michael Todd & Associates, Inc. 502-329-0219
Mid America Credit Management 866-560-2221
Midwest Asset Control 402-933-0015
MJ Recovery 800-774-9198
Moonbeam Investment Corporation 312-263-2022
Morgan Macklin L.L.C. 888-212-0114
Mortgage First, LLC 801-660-4635
MRCA 800-441-9652
National Account Adjusters 913-636-4461
National Credit Acceptance, Inc 916-830-0501
National Credit Solutions 800-384-0585
National Judgement Recovery 603-357-2922
National Note Buyers, Inc. 607-754-1521
Nationwide Capital Group, Inc 949-481-8240
Nationwide Discover & Recover, LLC 718-874-8171
New Century Financial Services, Inc. 973-753-9415
NEW GEM AGENCY 973-941-1105
nobel recovery services llc 714-225-8096
OCO FINANCIAL 419-366-4202
Odyssey management Group 248-865-8181
Old Canal Financial 714-921-2727
Ousley Financial Group, LLC 888-743-6340
Outsource Recovery Management, Inc. 800-241-8424
Outsourcing Solutions Inc. (OSI) 678-474-4022
Oxford Funding, LLC 508-987-6232
Ozark Capital Corporation 501-370-9900
P & B Acquisitions LLC 716-891-5826
Park Finance 469-484-5802
Partners Financial Services 636-207-9100
PCA Acquisitions 973-827-7121
Peak Credit Services, LLC 877-586-1477
Performance Capital Management LLC 714-736-3790
Pierce Enterprises 501-815-4155
Pierce, Andrews, & Young Inc. 603-244-2463
Pinnacle Asset Group, L.L.C. 716-675-1441
Plaza Associates 212-330-9622
Portfolio Funding Services 800-533-5783
Portfolio Group Investors, LLC 847-304-9401
Portfolio Management 614-522-0489
Portfolio Management Canada Inc. 519-432-0075
Praxis Financial Solutions, Inc. 847-676-1111
Premier Partners 713-706-6327
Prestige Alliance, LLC 817-885-8011
Pride Financial 609-954-0724
Prime Asset Management 716-909-2426
Primer Line Services LLC 703-348-3426
PrimeTex Services 832-338-0198
Professional Placement Services, LLC(PPS) 414-220-4100
Profits 4 Investors, LLC 623-565-0885
PUN Collections, LLC 410-602-8480
QUALITY CREDIT INC. 845-352-1700
Questus Enterprises, LLC 317-698-8023
R & R Financial Services, Inc. 904-207-8433
Rausch, Sturm, Israel & Hornik, S.C. 414-328-1400
ReCLAIM, Inc. 910-793-8391
Recoveries Management Pte. Ltd. +65 96188383
Reliance Debt Relief 386-585-3226
Resurgence Financial, LLC 847-581-2700
Resurgence Financial, LLC 847-656-2194
Resurgent Capital Services 864-248-8700
Revco Capital 877-226-6701
Risk Management Alternatives, Inc. 770-925-5000
River Capital Partners, LLC 203-661-3077
RLK & Associates 503-731-8021
ROMADOR Enterprises, LLC 716-903-2420
Rosenthal, Morgan And Thomas, Inc. 314-786-0070
Ross Klein Capital Management 248-851-5009
Routhmeir Sterling, Inc. 319-362-1188
Runci Group 401-619-1360
Samson Financial, LLC 205-969-1606
Security Credit Services, LLC 662-513-5429
Select Portfolio Servicing 801-293-2686
Sempelton OÜ 37253400222
Seplovich Consulting 650-244-9999
SM Financial Services Corporation 908-996-3716
SMS Financial, LLC 602-944-0624
Soloman Group Inc 650-235-5337
Solstice Recovery Group 770-924-5792
Sonatrac Financial LLC 800-994-3239
South Lake Financial Services 732-363-1226
Southern Recovery Systems LLC 305-667-9043
Sparksportfolioconnections 580-532-4253
Starcast Group 817-284-8165
Sterling Finance & Credit Services, Inc. 713-783-1675
Sterling Recoveries 212-563-9884
stm Asset Management 678-368-9856
SunLAN Corporation 714-289-9413
SunLAN Corporation 714-289-9413
Sunrise Credit Services, Inc. 800-208-8565
Sussex Group, Inc. 888-708-7108
Sycamore Financial Services LLC 732-263-9700
T.Goolsby & Associates 602-299-6116
TDC 256-749-7225
Tekbuzz Marketing Limited 919-428-6012
The Bureaus, Inc 847-328-4300
The Collection Bureau 303-451-7282
The Landberg Group, Inc. 952-891-5751
The Lineage Group, Inc. 716-821-5550
The Maiden Company, LLC 509-529-8700
The Outsource Group 573-874-1182
The Rock Financial, Inc. 866-712-6990
The Sagres Company 858-334-4454
Thornton Financial Services, Inc. 443-512-0832
TNT Debt Recovery Services 714-447-4680
Total A$ets Recovery, Connection 817-842-9067
Travelers Acceptance Corporation 1-800-667-6640
Trifi L.L.C 877-268-9286
TSF Financial Services, Inc. 303-320-8359
Turnkey Asset Recovery Solutions 419-973-5205
U.S. Equities 203-966-8555
Unifund 513-489-8877
United Bureau 508-669-3133
United Recovery, Inc. 818-676-1407
United Resource Systems, Inc. 303-205-0152
Vanderbilt Group, LLC 860-402-9959
VITAL Serivces Inc 402-465-5664
VMC Investments, LLC 215-783-3254
WCS Collection Services, Inc. 866-470-9700
Web Capital, L.P. 267-514-9642
Workout Solutions 857-233-2487
WorldNet Recovery Systems 866-977-5250
Worldwide Asset Management 770-618-3736
Worldwide Collection Services 949-338-2688
Wright, Scott & Associates, LLC 410-581-0202
ZBS&ASSOCIATES 404-454-5620
Zenith Acquisition Corp 716-799-0511



Debt Collector Negotiation Secret for You: You may stand a better chance of negotiating with a collector near the end of the month, because it is getting close to the end of their ability to earn bonus revenue.



Stop Debt Collector Calls to Employer - One of the bits of personal info you don't care to have your boss know about, is your financial situation. Difficulties with personal finance could jeopardize promotion opportunities and being selected for sensitive duties such as accounting.

Although it's in the debt collector's best interest for you maintain employment, at the same time what good is it for them if you have a job but you're not paying the bill? If they cannot reach you by other means, you force them into the position of having to call you at work.

Fortunately the Fair Debt Collection Practices Act specifically defines the situations that a collector can contact your employer and they're generally not allowed to let it slip that you owe a debt.

Federal Law on Collector Contact With Debtor Employers - The Fair Debt Collection Practices Act allows debt collectors to contact certain third-parties but only to get contact and location information about you and this DOES include your employer. Debt collectors can contact your employer to confirm your employment, which they might get from your credit report, the original creditor, or from another third-party. They can only contact your employer once, unless the employer gives permission to make contact again. The collector is also allowed to contact your employer again if the collector believes the employer gave them false information.

Even though the collector has the legal right to find out information about you, they have a legal obligation not to give out information regarding why they're calling. Whenever a debt collector contacts any third-party to get your contact information, including your employer, they're not allowed to reveal that they're a debt collector or that they're collecting a debt.

In their efforts to get you to pay, debt collectors can contact you at work unless they know or should know your employer doesn't allow you to accept those types of calls at work. You only have to inform the collector that you can't receive personal calls at work and they'll no longer contact you. However, if the collector doesn't have any other contact information for you, they may call your friends, neighbors, or employer to figure out how to get in touch with you. Protecting your job and your reputation is yet another huge reason why you should not avoid debt collectors, but instead try desperately to work with them.

In many cases, debt collectors will only contact your employer if they can't contact you. So if you've been dodging their calls and letters, there's a greater chance collectors will start looking for you elsewhere. Paying or settling the debt collection will cease all current and future debt collector communications.

If you've given your employer permission to check your credit report, for example if you're up for a promotion or salary increase, they'll learn about your collection. Whether the collection will be used against you will depend on your employer and the position or raise that you're being considered for.

Impact of a Debt Wage Garnishment - The debt collector can also contact your employer after they've gotten a court order to garnish your wages. A wage garnishment can only happen after the debt collector has won a lawsuit judgment against you and has gained permission from the court to garnish your wages. Thanks to the Consumer Credit Protection Act, your employer can't fire you for just one wage garnishment. But, if you have multiple garnishments, the law doesn't protect your job.

How to Stop Debt Collector Contact - Use a debt validation letter to delay collectors by forcing them to send proof that the debt is yours and that they're authorized to collect it from you. It's also a good idea to request validation on debts that you don't believe you owe.

You can use a cease and desist letter to stop debt collector calls for a particular collection agency. Note that debt collector calls may resume if another collection agency purchases or is assigned to that debt.



Wage Garnishment VS Wage Assignment - What's the difference?

Wage Garnishment: A court enters a judgment against a debtor and allows the creditor to have a portion of the judgment amount automatically taken out of the debtor's paycheck. This process is called a wage garnishment. Many states have regulations that limit how much a creditor can "garnish" from an individual's wages.

Wage Assignment: A debtor agrees to repay through voluntary installments automatically deducted from paychecks. A collection agency may convince a debtor to agree to have the employer send a portion of his wages directly to the creditor. The assignment, in effect, works similar to a wage garnishment, but the consumer does a wage assignment voluntarily. The court has no role in this action. In some states, a wage assignment may violate state laws.

Why creditors use debt collectors:

  • Demand for payment letters from the creditor were ineffective. When a creditor has already sent several reminder letters about a debtor's outstanding account, chances are the debtor was not motivated by any of those letters.

  • When an account becomes 60 days past due, the creditor's chances of recovering the money drastically drops.

  • Many people have a greater reaction when they receive a 3rd party debt collection notice. They worry about their credit score and that a collector may sue in court for payment.

  • Some creditors do not have the resources to track down debtors who have relocated or changed phone numbers. Collection agencies use multiple sources to locate debtors, such as facebook, myspace, contacting friends, family and employers.

What would a collection agency say if I threaten to file bankruptcy? An aggressive collection agency doesn't want you to think you have any power over them. If you threaten bankruptcy filing, such collectors may pretend to be glad you do that, just to throw you off. They may state they will then recover the debt through "Bankruptcy Insurance", which simply does not exist.

Why should I use a credit counseling or debt settlement company vs doing it myself? With all the various tricks debt collectors use, it may be easy for them to lure you into a trap or to get you to settle for higher payment than a professional could get for you.


Christmas Holidays Financial Mistakes to Avoid: Tis the season when normal credit card rules and safe spending habits are forgotten. Instead, the holiday season is often an excuse to splurge, charging up credit card balances that take an entire year to repay, if not more. That's not the only mistake people make with their credit cards during the holidays. Here is a list of 10 common holiday credit card mistakes.

1. Maxing out your credit card on gifts. If you max out your credit card during holiday shopping, you risk going over your credit limit once finance charges kick it. Plus there's a negative impact to your credit score whenever your balance exceeds around 10% to 30% of your credit limit. You face an over-the-limit fee and you could trigger the default interest rate if you go over your credit limit while you're holiday shopping.

2. Buying more gifts than you can afford. Racking up more debt than you can repay will lead to trouble in the New Year as you struggle to figure out how to pay for those charges. Save yourself some future stress by only purchasing what you can repay in full when your bill comes.

3. Gift shopping without a budget. Without a predetermined spending limit, you can easily max out your credit card or charge more than you can afford. Before you hit the mall, figure out how much you can reasonably spend and keep that amount in mind as you shop.

4. Spending without tracking your balance. A budget does no good if you don't make sure you're keeping up with it. Keep track of your receipts and periodically check to make sure you're not spending too much. You may even be able to call your card's automated line to double check your balance.

5. Opening or applying for new accounts just for the discount. Retail stores will encourage you to sign up for their store credit cards and even offer a discount on your purchase. Resist the temptation to apply for new accounts just to purchase more gifts. The inquiries affect your credit score and you risk charging more than you can afford.

6. Letting someone holiday shop with your credit card. If you loan your credit card to someone else, you have no control over how much they're spending on gifts. Be prepared to repay the balance of those gifts if your card borrower doesn't pay up.

7. Leaving your card unattended while you shop, eat, etc. There is a lot going on during the holiday season. Your credit card is targeted more during this time of year than any other time. Keep your credit card close to you and never let it out of your sight. Granted, you have limited (sometimes $0) liability for charges on a stolen credit card, but dealing with a stolen credit card can dampen your holiday spirit. Put credit card safety first.

8. Using your credit card to buy gifts because you don't have cash. If you don't have cash to buy gifts this holiday season, chances are you can't really afford the gifts anyway. If you don't have money for gifts, don't resort to credit. Instead, consider regifting items you've receive, find deals at a thrift store or yard sale, or give homemade gifts. (Not giving a gift at all is also an option.)

9. Charging gifts for yourself because you "deserve" them. It can be hard perusing the stores for weeks without getting anything for yourself. While you're going to see things you want to buy, but practice self-discipline. Remember that while you're out getting gifts for others, there are people buying gifts for you.

10. Ignoring your post-holiday billing statement. If you kept track of how much you spent, you can already guess that your first credit card billing statement will be higher than normal. Facing it sooner rather than later will help you get rid of that high balance sooner rather than later. Another reason to check your billing statement: to catch any fraudulent holiday charges made by rogue elves.

Retail Store Christmas Layaway Plans - One way to avoid high interest credit card debt is to place purchases on layaway. Below is a listing of retailer programs:


Bed Bath & Beyond Layaway - Currently Bed Bath & Beyond does not offer a layaway program.


Hallmark Layaway - Currently Hallmark does not offer a layaway program.


J C Penney Layaway - Currently J C Penney does not offer a layaway program.


Kmart Layaway, offer valid only on new Kmart Layaway contracts initiated from 10/19 through 11/01.

$10 down due at contract initiation. All fees nonrefundable. Cancellation fees apply. No cancellation fees in Ohio. Requires biweekly payments. Total layaway contract amount spread over 4 biweekly payments for an 8 week contract and 6 biweekly payments for a 12 week contract. Maryland, Washington D.C. and online offer 8 week contracts only. 12-week Layaway option available on purchases of $300 or more. Not available at all stores. Exclusions apply. See store for further details.

Online and In-Store ONLY (with a total purchase of $300 or more).

Payment Option: 8 weeks
Service fee* $5.00
Cancellation fee*$10.00
Down Payment* $15 or 10% (whichever is greater)
Biweekly Payments: 4 easy payments (of balance due after down payment)

Payment Option: 12 weeks:
Service fee* $10.00
Cancellation fee* $20.00
Down Payment* $30 or $10% (whichever is greater)
Biweekly Payments: 6 easy payments (of balance due after down payment)

In-Store layaway: Offer valid only on Layaway purchases made from 10/19 through 11/01. Not combinable with any other offer. Discount given on clothing, shoes and jewelry at time of new in-store layaway purchase. Purchase requirement calculated before taxes and after other discounts have been applied and must be made in a single transaction. Excludes clearance merchandise, Everyday Great Price items, Deal Flash, red-tag special buys, incredible buys, introductory offers, gold-filled jewelry, family jewelry and class rings. Savings applied and pro-rated across all qualifying items purchased in addition to the minimum requirements and will be deducted from any refund. Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at

In-Store Layaways: 4 Easy steps to get what you want.
1.Shop what you want. Add your items to cart and go to checkout
2.Make a down payment.† This includes the Service Fee and is due when you initiate your contract.
3.Make payments every two weeks. Online or at any in-store register with cash, check or debit/credit card.
4.Pick up your items. Once your last payment is made, or schedule your pickup online.

In-Store Layaway FAQs:
How long is a Kmart layaway contract?
Layaway contracts are 8 weeks. For purchases of $300 or more, a 12-week option is available in-store.

Are there any fees? Except where prohibited by law, an 8 week contract requires a $5 Service Fee and a 12-week layaway contract requires a $10 Service Fee.*

Can I cancel a layaway contract? Yes, you can cancel any layaway contract. You will receive a refund of your payments made to date minus the Service and Cancellation Fees.*

Are all items online available for layaway? Items that are available for online layaway will be identified as "Available for Layaway" on the individual product page.

What are my payments? 4 easy payments of balance due are required after down payment for an 8 week contract and 6 easy payments of balance due are required for a 12-week contract.

What if I miss a layaway payment? You have a 7-day grace* period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable Cancellation Fee will apply.*

Where can I make my payments? You can make a payment at any register in the store that holds your contract or online at


Macys Layaway - Currently Macys does not offer a layaway program.


Old Navy Layaway - Currently Old Navy does not offer a layaway program.


RadioShack Layaway - Currently RadioShack does not offer a layaway program.


Sears No Money Down Layaway* Offer valid on new layaway purchases made in-store and online. Service fees and exclusions apply. See associate for details.*

Pay nothing today! 4 or 6 equal payments, Lock in today's prices. Sears layaway overview, 4 Easy steps to get what you want.

1.Shop for virtually anything. Bring your items to any register in the store or add to your shopping cart online.
2.Make your down payment. View sample payment table
3.Make payments every two weeks online or at any Sears register. Use cash, check or debit/credit card.
4.Pick up your items if they are held at the store. For items held at the warehouse, schedule a pick-up or delivery time.

8-week option layaway facts:
Service Fee is $5 for all new layaway contracts.*
Cancellation Fee is $15 for all new layaway contracts.*
Down Payment is $20 or 20% (whichever is greater) and is collected when merchandise is put on layaway.*
4 Easy Payments of balance due are required after down payment for an 8-week layaway contract.

12-week option layaway, In-Store Only (with a total purchase of $400 or more )
Service Fee * $10
Cancellation Fee * $25
Down Payment* $35 or 20% whichever is greater
Bi-Weekly Payments 6 easy payments (16.7% of balance due after down payment)

* Except where prohibited by law, in which case the payment would be less than that amount.
See stores for state specific fee limitations. Down payment includes $5 Service Fee for an 8-week contract
and a $10 Service Fee for a 12-week contract. No partial cancellations are permitted. Cancellations
can be made only in the store where you opened your contract.

Offer valid only on new Sears Layaway contracts initiated. No down payment required in store at contract initiation. One penny required down online. Service fees apply. All fees nonrefundable. Cancellation fees apply. No cancellation fee in Ohio. Requires biweekly payments. Total Layaway contract amount spread over 4 biweekly payments for an 8 week contract and 6 biweekly payments for a 12 week contract. 12 week Layaway option available in-store only for purchases of $400 or more.

Buy it your way with Sears Layaway. Get what you want and pay over time. Shop your favorite items, such as clothing, toys and games, electronics, and much more. Then pay on an affordable schedule that fits your budget. Before you know it, you'll be taking your items home, free and clear. But it your way with Sears Layaway provides you with more shopping options. Need more information? Go to

How long is a Sears layaway contract? Layaway contracts are 8 weeks. For purchases of $400 or more, a 12-week option is available in-store.

Are there any fees? Except where prohibited by law, an 8-week contract requires a $5 Service Fee and a 12-week layaway contract requires a $10 Service Fee.*

Can I cancel a layaway contract? Yes, you can cancel any layaway contract. You will receive a refund of your payments made to date minus the Service and Cancellation Fees.*

Are all items online available for layaway? Items that are eligible for online layaway will be identified as "Available for Layaway" on the individual product page.

What are my payments? 4 easy payments of balance due are required after down payment for an 8-week contract and 6 easy payments of balance due are required for a 12-week contract.

What if I miss a layaway payment? You have a 7 day grace period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable Cancellation Fee will apply.*

Where can I make my payments? You can make a payment at the store that holds your contract or online at


Target Layaway - Currently Target does not offer a layaway program.


Toys R Us FREE Layaway In Store with No upfront fees!

1 Simply deposit 10% of the total cost. There is no service fee!
2 All payments can be made at any register or online, 24 hours a day.
3 Make your final payment in store, and take your item home right away. Or, if you make your final payment online, you will be notified of the earliest time you can pick up your item.

Need to cancel your Layaway order? Item(s) will be returned to the shelves and payments will be refunded, minus a $10 cancellation fee.

*Available at all stores except Toys "R"Us Times Square. Excludes Special Orders, food, formula and clothing.

Toys R Us Free Online Layaway - Get it shipped to your home or pick up in store!

Layaway is available on gym sets, video game systems, bikes, ride-ons & so much more!

Enjoy the convenience of making additional payments over time online or in store!

Pick it up or ship it. After your final payment, we'll let you know when to pick up your item, or you can choose to have it shipped!


T J Maxx Layaway - Currently T J Maxx does not offer a layaway program.


Walmart Layaway: Start today. Take More Time To Pay. Christmas Layaway runs from Sept 12 to Dec 15. Place electronics, auto electronics, large furniture, infant furniture, toys, select sporting goods, small applicances and jewelry.

No Opening Fee.
Down payment $10 or 10% whichever is greater.
Program is for in stores only.

Layaway is available in stores this holiday season from September 12 through December 15. Certain store locations offer layaway year round for jewelry purchases only. Layaway is not offered for online purchases.

* Minimums – Individual items must be $15 or greater. Total purchases must be $50 or greater
* Terms – Final payment and pickup must be made on or before December 15 at the same store layaway was initiated (or order will be canceled).
* Cancellation – If account is canceled, items will be returned to inventory. Down payment and payments made will be refunded, less a $10 cancellation fee.
* Returns – Walmart Returns Policy applies to all layaway transactions.

Pickup & pay:
* Location – Layaway is initiated and picked up at the Service Desk. Payments can be made at any register.
* Timing – Some layaway items may be stored at a location other than where the layaway account was opened. All items stored remotely will be available for pickup within 10 days of paying the balance due, but no later than December 15.

* In stores only (not available for online purchases)
* Available for electronics, toys, select sporting goods, small appliances and jewelry
* Excludes wireless phones that require contracts.
* Layaway not available on Friday, November 28th.

See your local Walmart store’s service desk for more details.


Zales Layaway Policy - EXCLUSIVE TEN FOR TEN LAYAWAY PLAN: Put 10% down and pay the rest in ten equal monthly payments. Jewelry buying made easy. See store for details.

Christmas Holiday Credit Card Charging: After you're done making your Christmas list and checking it twice, you have to decide how to fund for holiday spending. Here are some tips for using your credit card this holiday season.

Do not open up new credit cards to make purchases. If you must use credit, use the credit cards you have. Inquiries that are made when you apply for new credit cards hurt your credit. Plus, the extra debt won't be worth it next June when you're still paying it off.

Don't max out credit cards. Keep your credit card balances below 30% of your credit limit. Your credit utilization - how high your credit card balances are compared to your credit limit - is 30% of your credit score. The higher your credit card balances, the lower your credit score.

Don't take a stack of credit cards when you shop. Take the one or two credit cards you're going to use. First, you might have too many credit cards. You shouldn't take them all with you because the risk of credit card theft is higher during the holidays. The more credit cards you have with you, the more that can be stolen.

Be careful that you don't end-up spending more by using a card. Set a predetermined spending limit and stick to it. Rather than swiping your credit card to your heart's content, decide how much you can afford to charge and use that number as your guide. You'll have less debt to worry about paying in the new year.

Don't charge gifts if it's becuase you don't have enough cash. Buy inexpensive gifts. Despite what advertisers want you to think, you don't have to shop until your wallet drops to have a good time during the holidays. Look for inexpensive gifts that your family and friends would love. Check out these lists for great gift ideas that you can afford.

Payoff charges quickly. If possible, pay your balances in full in January. Paying your balance over several months - or worse, years - means the gifts end up costing more than what they would have if you'd just paid cash. You'll save money in interest charges if you pay your balance in full when you get your first statement after the holidays. That's the great part about setting a budget and charging only what you can afford.

Can a debt collector call me about an ex spouse debt?

Even if a debt collectors contacts you about an ex-spouse's debt, it doesn't necessarily mean you are obligated to pay it.

Each state has separate laws regarding "marital assets", including debts which had occurred prior to marriage, during marriage, and after divorce. In many cases, debt obtained during the marriage does become a joint responsibility. What this means, is even if a divorce court judge orders your ex to repay a debt, the creditor or debt collector may still legally pursue you. If you don't they can place this debt on your credit report as well as your spouse's. To protect your credit score, your only recourse in such event is to payoff the debt yourself then sue your ex for not complying with the court order.

If your ex has accrued debt after your divorce, you are not responsible. So why do collectors call you anyway? Because they are casting out nets of all the last known living addresses and spouses in an attempt to find the debtor, or to get someone else to payoff the debt.

Another factor to understand, is just because a debt collector contacts you about money owed by your ex; whether the debt was before, during or after marriage, your ex still may not be the actual person owing the debt. It's not uncommon for people with like-names to be called by debtors seeking some other person with the same name.

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