Getting to Know Credit Counseling

Are you aware that there are certain business' and not to mention an entire industry that is dedicated to helping you out of deep financial trouble and can put your family back on track in as little as one year? That is what credit counseling can do and does for millions of Americans each and every year. We thought it would be a good time to introduce you to the world of credit card debt assistance especially for the novices that have been left with very little options and alternatives to eliminating credit card as well as other credit related debt.
Getting it all Together
For years you may have been languishing with too many credit card payments and not enough paychecks to cover even the most basic lines of credit that are the main factors in any credit card debt situation. It would be wise for you to research and learn as much as possible as you can about an industry that is out to benefit both the consumers and the business itself. It would be remiss of us to act as if the credit counseling industry served only to benefit one side, the client, and we will not lead you astray in that manner, ever.
Making Sense at Last
In order to best learn about the credit counseling service it is important that you pay close attention to what it is that you're looking for in the form of debt consolidation and credit card alleviation. Notice that we said "alleviation" and this is exactly what we mean as it does little good to only take a percentage of a monumental debt load and deal with it when you can take care of most if not all of your credit card debt as well as other consumer related driven debt with a program from a great credit counseling service.
Credit Counseling
One of the best ways to learn all about credit counseling services and the industry in general is to log on to one of the credit counseling sites online today. Research all you can about an industry that is seen as a shot in the arm to all those suffering through devastating credit card debt. In the end you will see that times have definitely changed and although not for the better on many fronts and environments one area that has improved is the ability for individuals who are suffering through loads of massive credit card debt and other forms of monetary considerations to receive relief and release, credit counseling.

If you have over $10k in unsecured debt it could be a wise financial decision to consider using a credit counseling service. Due to the recession and overwhelming amount of people in debt, creditors are more than willing to work with credit counseling services to negotiate your debt balance. There are also other debt relief options.

Personal Credit Expert - Always at Your Side

Personal credit is provided to those who cannot produce collateral. You may get a sum equivalent to two months' salary or some specified amount, the lower between the two is the amount disbursed. You will be provided an immediate access to the cash, mostly in form of an ATM card in your name. Interest is charged only when you spend. A personal credit expert sees to it. A steady job can get you a personal credit. Even if your credit records are none too good, you stand a good chance to get the credit. In fact, other kinds of loans are normally not accessible to those with bad credit records. While it is possible to keep the loan amount pending for a prolonged period, it is most desirable to pay the loan back as fast as you can. Or, you may come to grief paying a sum that is more than you had borrowed.
An assigned credit expert gives credit advice and reviews without bias the case in hand. Dispute letters, and some times, additional services to improve the credit scores are all taken into consideration by him. A good personal credit expert will not take money for the service beforehand. It is also illegal to do that. The Credit Repair Organizations Act forbids it. He will not discourage your contacting the credit reporting companies yourself. Most importantly, he will never do the mistake of creating a new identity and a credit report. This bypassing of Social Security number by getting an Employer Identification Number amounts to a crime.
A credit worthy account that you hold can be used to improve a rating with the help of a third party by a method known as seasoned trade lines. This practice involves the borrower holding the line of credit open for a considerable amount of time. The third party is permitted by the borrower to use his lines of credit, but since he or she is not authorized, your account cannot be used to make charges by the third party. This helps you to increase your account's credit score. This may reflect in your favor because, a very low interest amount is charged to you when the loan is decided. The borrower is paid a certain amount of money for the service thus given besides which, the broker too takes an amount.
A credit report repair is carried out as a way forward to build your score. Each hole that your creditworthiness falls into is looked into and the impediments are removed. The expert contacts the original lenders, their agents for collection and even law authorities to collect your records to peruse and decide how your credit score is stagnant or going down. The FCRA and such agencies give guidelines for the past creditors to help with the case. An assigned credit expert takes over the files and studies them. He advises you on all and every questions you may have on credit. If need be, he even refers to experts in other related fields.
Credit agencies expect you have a 700 credit score. You may not have it but there are ways and means to achieve that figure. Keeping the personal finance separate from business is one way. Paying through credit card and bringing it into the account is another. A personal credit expert will be able to advice you on this.

Can Credit Card Debt Be Written Off in Full?

Writing off your credit card debt in full is an easy task if you make use of the Consumer Credit Act 1974 (which was amended in 2006) and the Consumer Credit Protection Act in a correct manner. According to these two acts, it is possible for a debtor to write off his or her overextended accounts in full if the debts fulfill certain requirements set under the law.
Let me share with you how to write off your credit card debt in full without paying a single cent. First thing first, you are reminded to obtain your latest credit report from any of the three major credit bureaus. Once you have got your credit file, you must go through all the details carefully to find out whether there is any inaccuracy or unauthorized account.
Next, as a credit card holder, you should have got your credit card agreement or contract with you. If you have lost all the documents, you are advised to write in to your card provider to request for a copy of agreement with your signature on it. The purpose of doing so is to make sure that the creditors do not take advantage from their debtors through unlawful contracts. If there is no proper agreement or statement given to you, you have the right not to pay back the debt.
A debtor can definitely write off his or her debt easily if the debt is "old" enough. Under the amended Consumer Credit Act, if you have signed any credit card agreement before April 2007, you stand a high chance to "delete" your debt completely by making use of the statue of limitations.
On the other hand, according to the Consumer Credit Act, the card holders must be informed by the card providers regarding the changes on interest rates, credit limit, late fee charges, over-the-limit fees, etc. If the card providers do not inform the card holders, the consumers have the right not to pay back the outstanding balances.
Last but not the least; you might not be good at law and you might not know your exact rights as a credit cardholder. In order to write off your debts successfully, you are recommended to look for a professional lawyer or a legal advisor to assist you. The lawyer can assist to find out whether the credit agreement contains any point which is not in compliance with law.

Dealing With Card Debt

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