Articles Index

Sample Pay for Delete Letter
Use this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report. Customize the letter to fit your situation.

What's the Statute of Limitations On Debt
The statute of limitations on a debt keeps debt collectors from collecting on it forever. The limit varies by state and depends on the account's last date of activity.

Time-Barred Debts
Time-barred debts are those that are no longer collectible through the court because the statute of limitations on these debts has passed. Creditors and debt collectors can still try to collect time-barred debts.

Sample Cease and Desist Letter For Debt Collectors
To stop debt collection calls, you must tell the debt collector in writing. Federal law requires that debt collectors stop attempting to contact you as requested by a cease and desist letter.

How Wage Garnishment is Used to Collect Your Debts
Wage garnishment is when your employer withholds part of your paycheck to satisfy a court order requiring you to repay a debt. The Consumer Credit Protection Act regulates wage garnishment and limits the amount you can be garnished.

How to Fight Phantom Debt
Debt collectors, hungry for money, sometimes make up debts and try to get you to pay them. You don't have to pay these phantom debts. Find out how to recognize a phantom debt scam and what to do about it.

Fair Debt Collection Practices Act Overview
Debt collectors aren't free to take whatever means necessary to collect a debt. In fact, they are governed by federal laws. Being aware of these laws helps protect you from the unscrupulous practices of certain debt collectors.

A Background on Collection Accounts
At some point, you may have pulled your credit report and noticed an account labeled collection. If you're like many others who've never heard this term, you undoubtedly wondered what is a collection, how did it get on your credit report, and what does it mean.

Stop Debt Collector Calls
Debt collection calls are usually unwanted and can border harrassment. The FDCPA, a federal law, give you rights that help you stop debt collector calls.

Summary of Debt Collection Complaints to FTC in 2007
The FTC report on debt collection complaints received in 2007.