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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.


View our sample letters such as a Debt Verification Letter to challenge a debt and a collection agency's right to collect.


What Is A Debt Management Plan

Legitimate Debt Relief, Consolidation and Settlement

Pay Credit Card Bills for Rewards

Get Out of Debt Free and Fast

Credit Card Debt Relief Options

Getting out of Joint Credit Card Debt

Go To Jail For Not Paying Bill

Lower Credit Card Balances

Who Pays Joint Spouse Debt

Credit Counseling VS Debt Settlement VS Bankruptcy Filing

Free Debt Advice

Free Tips to Avoid Credit Card Charges

Free Money Saving Tips

Student Credit Card Debt

Instant Emergency Loan Application and Preparation

Stop Bill Collector Calls and Threats

Get Out of Payday Loan Debt

Cant Make Credit Card Payments

Credit Card Debt Relief

High Rate Credit Card Debt

Credit Card Debt Default

Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy

Credit Card Debt Advice

Credit Card Christmas Debt

Payoff Credit Card Debt

Debt Loan Advice

College Student Credit Card Debt

Stop Credit Card Debt

Stop Debt Save Money

Debt Free Money

How To Reduce Debt

Biggest Debt Mistakes

Short and Long Term Debt Relief

Debt Relief Tips

Credit Card Max Lowers Score

Free Debt Relief Advice

Money To Payoff Debt

Calculate Debt And Payoff

Stop Credit Card Debt Abuse

Debt Solutions

Credit Card Balance Transfer Debt

Manage Debt Yourself

Long Term Plan to Pay Off Bills

Payoff Debts Without Loans

$10000 Loan for Credit Card Bills

High Credit Card Charges

Unpaid Credit Card Debt

Credit Card Charge Off

Fraud and Credit Scams Target Debt People

Bankruptcy Debt

Payoff Credit Card Debt

$10000 Cash Personal Expenses

Good Bills VS Bad Debt

10 Personal Budget Reasons

Bankruptcy Filing

Unknown Debt Collection Agency

Pay Off Debt Options

Divorce and Debts

Pre-Bankruptcy Credit Counseling Bad News

Debt Consolidation and Debt Settlement

Ending the Debt Cycle

Debt Settlement Facts

Zombie debt collectors

Payoff Balance

Reduce Bills

Debt Consolidation Loan

Credit Counselor

Credit Card Debt

Christmas Credit Card Bills

Chargeoff Credit Card

Balance Transfer Debt

Credit Counseling

Student Credit Card Debts

Credit Counseling FAQs

Collection Agencies

Free Debt Collection Agency Tips

Debt Collectors Violating Do Not Call List

Stop Debt Collection Agency Calls

Fake Phantom Debt Collectors

Debt Collector Verification

Statute of Limitations Debt Collection Act

Debt Collection Statute Of Limitation

Debt Collectors

Letter to Stop Credit Collector Calls

Collection Agency Harassment

Debt Settlement

Credit Card Debt Settlement

Debt Settlement Advice

Credit Card Debt Relief Options

Chargeoff Credit Card Debt and Rebuild Credit Score

Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company

Debt Collection Agency Negotiation

Debt Settlement Company FAQ

Debt Settlement

Sample Debt Settlement and Negotiation Letter

Debt Consolidation

Credit Card Debt Relief Options

Debts And Bills

What Is Unsecured Debt Consolidation

Are Authorized Users Liable for Credit Card Debt

Being Sued by a Debt Collection Agency

Biggest Waste of Money

Can't Pay Back Payday Loan

Combine All Credit Cards into One Payment

Consolidating Credit Card Debt into a Personal Loan

Consolidating Student Loans After Marriage

Credit Counseling VS Debt Consolidation

Debt Consolidation VS Bankruptcy

Debt Settlement FAQs

Debt Settlement VS Bankruptcy

Debt Settlement VS Credit Counseling

Do It Yourself Credit Card Debt Settlement

Eliminate Credit Card Interest Charges

Erase Credit Card Debt Legally

Free Money Management Tips

Harassing Robo Debt Collection Calls

How and When to Settle Credit Card Debt

How does Debt Management Affect Credit Score

How Does Debt Management Work

How to Budget Credit Card Payments

How to Control Credit Card Spending

How to Dispute a Debt

How to Dispute Collections

How to Handle Collection Calls for a Deceased Person's Debt

How to Organize Bills

Non-Homeowner Debt Consolidation

Should You Still Pay Credit Card Charge Offs

Tips for Paying Off Credit Cards Fast

What are the Main Causes of Debt

What Debt should I Payoff First

What Happens if I Default / Stop making Credit Card Payments

What Happens when You Ignore Debt Collectors / Collections

What is the Difference between Credit Freeze and Fraud Alert

What to look for when Choosing a Credit Counseling Company

Who Pays Credit Card Debt in Divorce

Who Pays Deceased Relative Credit Card Debt

Who Qualifies for a Debt Consolidation Loan



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Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

If you're bad at budgeting and uncomfortable with confrontations, you may be a good candidate for using a debt relief company to help with your bills.

Setting up a budget with an affordable payment arrangement; whether yourself or through a debt management company, is the path to getting back on your feet financially.

If you have multiple debts you are struggling to pay, this may be even more reason for you to get a debt relief company's assistance.

Just make sure the debt settlement company does not charge any upfront fees, and if you choose a credit counseling agency make certain it is non-profit.

But before you commit to a payment plan, it's important to have a complete understanding of what your household budget actually is and what you can truly afford. Be absolutely certain you can; and will, stick to an agreed amount.


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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* Licensed, certified debt providers

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* Explore debt relief options and savings



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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.


If you have too much debt for credit counseling to avoid impending bankruptcy filing, consider debt settlement negotiations with your creditors. Credit counseling takes time, so you must be patient and have the time to dedicate. If you're on the verge of filing bankruptcy because you simply cannot afford any modified, lower repayment plan, do it yourself debt settlement can be the answer. You don't have to settle with every creditor, you could come to a settlement agreement with just one or two. Another benefit of DIY is that you won't have to pay fees to a debt settlement company.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Copyright © 2006-2011 Debtmerica, LLC. All rights reserved.

Debt Consolidation Alternative: Become Debt Free in 24 - 48 Months. Low Monthly Payment & No Upfront Fees*

* Reduce your debt balances
* One low monthly program payment
* No fees until you succeed*

Debt Relief Programs and Options: There are many options when it comes to addressing your debt problems. Debtmerica believes it provides better Alternatives to Consumer Credit Counseling, Bankruptcy or Debt Consolidation Loans.

Below are summaries of the various alternatives available to you so that you can make an informed and well-educated decision based on your own individual situation.

Our Debt Resolution Programs can help you get out of enrolled debt in as little as 24-48 months, and debts can be settled to as low as 50% of what you owe at the time of enrollment. If you are experiencing a financial or personal hardship that is preventing you from paying your bills, the five most generally accepted debt relief options you have are:

1. Bankruptcy.
While bankruptcy is a legitimate route to get out of debt, it can negatively affect your credit for as long as 10 years and can be a very unpleasant experience emotionally. You shouldn’t consider bankruptcy as a simple “quick fix” to all of your financial problems, but rather as one of the many available solutions you may have given your individual situation. As of October 2005, congressional legislation made filing for bankruptcy more difficult and burdensome. A Chapter 13 bankruptcy could result in higher monthly payments and may last longer than an alternative debt resolution program. If you have questions about bankruptcy or are considering it as an option, we advise you to speak directly to an experienced bankruptcy attorney licensed in your state.

2. Consumer Credit Counseling (CCC).
A Consumer credit counseling program is a method of debt relief for those who are unable to make minimum payments and undergoing financial difficulties. However, CCC programs could take up to 6 years or longer to complete and your debt is not reduced when compared to a debt resolution program. You may still have to pay back 100% of the debt you owe plus interest. In addition, if you miss just one monthly payment, you could be dropped from the program altogether. Consumer Credit Counseling Services, on average, have very high rates of client cancellation, which does not bode well for their delivery of a successful debt management program. (see below for more information on CCCs). With that being said, a CCC program may be a viable option for those with under $10,000 in unsecured debt, are able to afford higher monthly payment obligations, and are well disciplined to remain in the program.

3. Debt Consolidation Loan.
This option may work financially if you have at least an above average or good credit rating and considerable equity in your home. If you have a very large debt balance and have been late on just one monthly payment, it is likely that your credit may be impaired. Also, with this option, you do not reduce or settle your debt to a lower amount than the original balance; you are only transforming it from unsecured debt to secured debt. While a debt consolidation loan coupled with a debt resolution program provides a very powerful solution, remember that debt consolidation alone does not reduce or settle your debt; it only shifts your debt from one place to another.

4. Continue minimum monthly payments to credit card companies.
Many people struggle to make their minimum monthly payments and this option could take over 30 years to pay back the debt you owe, costs thousands of dollars in interest alone, and could require you to potentially pay back over three-times what you now owe on these balances. This may be the least timely, most costly, and most economically disadvantageous way to get out of your unsecured debt (see below for more information). Keeping high balances on your credit cards may affect your credit in a negative way and could make it more difficult to obtain any other type of loan.

This could be one of the fastest, most effective ways to settle your debt for less than the original balances owed. Debtmerica’s “Debt Resolution Programs” could not only settle your debt by up to 50% of your original balances, but it also may enable you to become debt-free from your enrolled accounts in as little as 24-48 months. Our programs are custom-tailored to provide you with just one low monthly program payment. We feel this option could be one of the fastest ways for you to become debt free while we work hard to minimize your stress burden. Typically, we negotiate your balances down to about 50% LESS than what you owe. For example, through our debt resolution programs, if you owe $30,000 to your creditors, you may be able to reduce your debts by $15,000 or more.

Debtmerica’s programs are performance based, which means we do not receive any fees until a settlement has been reach. Debtmerica offers programs that charge fees as a percentage of savings or as a total percentage of enrolled debt balances. Regardless of which program you enter, you can expect the total fees of the program to range from 20% to 24% of the enrolled debt amount by the time you complete the program.

If you are considering all of your debt relief options, and want to get out of debt, complete our easy and hassle-free 30 Second Savings Quote to see if a debt settlement program is the best option for you.

Debt Consolidation Loan
To be approved, you must have the ability to repay a larger home loan and also have an acceptable credit rating. Even if you do qualify, without debt settlement combined, your situation could likely get worse. Rather than helping you to reduce your debt through debt settlement, a consolidation loan may increase your debt burden. Here are some more facts that you may want to know about debt consolidation loans:

* You must qualify, which may be difficult given the recent mortgage reforms.
* It requires ownership of a home with considerable equity
* Closing costs are usually required upon closing or built into the interest rate
* Missing payments could cause you to lose your home
* You would pay back the entire balance of your credit cards, plus interest
* Payback could be 10-30 years or more depending on debt balance, type of loan, and your ability to pay
* You are paying off unsecured debts in favor of a new secured debt
* The debt consolidation loan reduces the equity available in your property for future use

Continue to Make the Minimum Payments or Don't Pay Anything at All

* You could pay almost 50% of your original balance to your creditor in interest costs alone over the first 36 months. Your principal balance may barely be touched
* If your credit card interest rate is 25% or higher, it may be almost impossible to pay off your debt by making the minimum payments
* With a high credit card interest rate, it would most likely take you over 20 years to become debt free - and that's if your balances don’t increase
* Until you pay off high balance debts, your ability to be extended credit becomes substantially more difficult.

If you have already stopped making payments to your credit cards or other creditors, you are negatively affecting your credit rating without reducing, settling or managing your debt successfully.

To see if you qualify for debt settlement, please fill out our 30 second savings quote form for a free, no cost or obligation consultation.

Debtmerica, LLC
Attn: Customer Care
3100 S. Harbor Blvd., Suite 250
Santa Ana, CA 92704


Junk debt collectors of old bills are relentless in their pursuit of profit.
Don't payoff someone else's debt collection agency. Track down the orignial creditor to make sure you owe the money.
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.
Alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address.
A new scam against credit consumers involves debt collection companies inventing past due bills and demanding repayment. Watch what you payoff.
Bill collector problems? Negotiating credit card chargeoffs? How to deal with Debt Collection Agency Harassment.
Junk debt collectors of old bills are relentless in their pursuit of profit.
Don't payoff someone else's debt collection agency. Track down the orignial creditor to make sure you owe the money.
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.
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.
Before answering debt collector calls, first understand your rights and be wary of mistakes other people often make.
Alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address.
A new scam against credit consumers involves debt collection companies inventing past due bills and demanding repayment. Watch what you payoff.
Bill collector problems? Negotiating credit card chargeoffs? How to deal with Debt Collection Agency Harassment.
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. Read our free tips and download our sample letters to send to creditor and debt collection agencies.
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.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

Sample Debt Forgiveness Letter - Copyright © 2011

Sample Letter To Your Creditors Requesting Forgiveness Of Debt / Compassionate Write-Off

Free tips on how to negotiate debt settlement with a creditor


[Today’s Date]

[Creditor Name]
[Street Address]
[City, State, Zip]

RE: ACCOUNT #[123456789]

Dear [Creditor],

My current income is not enough for me to be able to make any payments towards my debt at this time and I do not foresee any changes to my financial situation or employment status that would put me in a position to make payments any time in the future.

Please find attached [income statement, budget, medical report or any document to prove your financial problems].

I respectfully request that you forgive my debt and accept a final settlement offer of $[Dollars] to close this account and to forgive the remaining unpaid debt.

Please respond to my request in writing to the address below at your earliest convenience. Thank you in advance for your understanding of my situation.


[your name]
[complete mailing address]
[phone number]
[account number]


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