Latest Blog Posts

Credit Card Borrowing Decreases

Credit Card Borrowing DecreasesDecember 2012 marked the fifth straight month of increased consumer borrowing in the United States. Non-revolving credit (auto-financing, college tuition, and other large investments) rose the fastest it has in eleven years, topping $18.2 billion, says a recent Bloomberg report. Borrowing increased by $14.6 billion in December, according to the Federal Re......

college loan applications with Navient

A boy who attended my church 13 years ago- until his family moved away- put my name down on his college loan applications with Navient. For the past several years, they have been calling me- wanting payment on the loans. I have called numerous times to tell them I have not seen this boy since he was about 16 or 17 years old-......

I have had loans through SallieMae

I have had loans through SallieMae through out the years and they FREQUENTLY do not send a bill. I have called and complained several times through out the years because I am charged late fees even tho I never received the bill. They always claim that I am just purposely being delinquent but my payment record shows I make EVERY payment. ...

We have continuous calls from Navient

We have continuous calls from Navient , we are the parents of the student who has the loan, we are co-signers, we have told them what we could afford $100 a month to pay on loans and they keep telling us because we have $200-$300 left over a month we need to pay more. When we receive calls from them we can never talk to the ......

Asset Investigations & Recovery

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Stop Citibank Debt Harassment

Is Citibank harassing you over a debt? Is Citibank placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t have to pay us a dime f......

I have 2 student loan accounts with Navient

I have 2 student loan accounts with Navient. In February of 2010 I was contacted saying I still owed money on an account with them I thought was paid off. Once they clarified what the problem was I agreed to pay the remaining balance. Again, I thought I had paid the remaining balance because I never got another bill or statement saying otherwise. In December of 2010 ......

I had student loans with Navient

Refund for Over payment I had student loans with Navient. Loans were transferred to another company and payment was made to Sallie Mae in Full. Over payment was made in May 2012. I Spoke with company on several occasion to refund me the over payment or transfer it to the new c......

Bankruptcy And Your Credit Report

Bankruptcy And Your Credit ReportBankruptcy can be an intimidating, complicated legal process; the real purpose behind it is to give people a clean slate, financially. It's a way for people who have are underwater with their debts to gain some ground again. After you have declared bankruptcy and completed the legal process involved, it's wise check the accuracy of your credit report. If the inf......

Stop Dish Network Debt Harassment

Is Dish harassing you over a debt? Is Dish placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t have to pay......

Stop Direct TV Debt Harassment

Is Direct TV harassing you over a debt? Is Direct TV placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you won’t h......

contacted Navient

I had contacted Navient to try and adjust student loan payments because the amount of student loans is a large burden, I spoke with one of there reps on th week of nov 12th. We went through the steps to set up interest onlt payments for 24 months. I was informed that this will be for a period of 24 months. Their system even ......

Asset Loss Public Adjusters

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

incorrect and to the benefit of Navient

I believe the allocation of payments and the way the payments are posted are incorrect and to the benefit of Navient. I have been paying this account for years w/o any dent in the principal amount. I am seeking an investigation in the way the payments are allocated. I believe i am owed a credit to my principle balance f......

Stop First Financial Asset Management Debt Harassment

Debt collectors like First Financial Asset Management, Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If First Financial Asset Management violated the law, you will get money damages and FFAM will pay your attorneys’ fees and costs. You won’t owe us a dime ......

Asset One

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Stop Ford Finance Debt Harassment

Is Ford finance harassing you over a debt? Is Ford finance placing robocalls to you or sending you unsolicited text messages? You have rights under state and federal laws! We will aggressively enforce the law to stop this harassment. Not only will we stop the harassment, but you may be entitled to money damages, too. Finally, you w......

Asset Recovery & Collect Inc

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Chase Defends Robocalls Class Action

Chase Corporation has been named in a class action lawsuit for violating the Telephone Consumer Protection Act (“TCPA”). The news of this lawsuit broke on November 3, 2012. Chase staffs its many call centers with hundreds of employees (at both domestic and international locations). The main function of the call centers is to make repeated phone calls, known as robocalls, to people who are past-......

Asset Protection Georgia

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Asset Protection & Recoveries Corp

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Accurate Collection Service

Are you being harassed by Accurate Collection Service over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about wha......

Asset Recovery Firm

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Collection Bureau of Hudson Valley Inc

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices throug......

Asset Recovery Agency

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Accu-Skip

Are you being harassed by Accu-Skip over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors ......

Asset Recovery Corp

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Carter Young (Collectron of Atlanta) Harassment

Are you being harassed by Collectron of Atlanta over a debt? We can help you stop the harassment and get money. You don't have to pay a penny for our services. You are protected by the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt in question. The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collectio......

Asset Recovery Group of Washington

Are you being harassed by Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may a......

income-based repayment through Navient Loans

I am eligible for income-based repayment through Navient Loans. I was approved to pay $16.56 per month for 12 months. This began on September 16. 2012. On November 2, 2012, I authorized AmeriCorps to pay the interest on my Sallie Mae loan, a benefit of being an AmeriCorps......

After several phone calls from Navient

I am the cosigner of student loans for my son Nicholas. He recently graduated in 12/2011. He started to work in 2012, but was unable to keep up payments. After several phone calls from Navient, Nick was able to work out a new adjusted payment plan, with lower interest, in which Sallie Mae automatically deducts each payment every month.......

Asset Recovery Management

Are you being harassed by Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may a......

Bankruptcy Trustees and Creditors' Claims

If you are filing for Chapter 7 bankruptcy, you may encounter a variety of professionals at work throughout the process, and one of these is a “trustee.”A bankruptcy trustee is tasked with administering the bankruptcy “estate” (the estate temporarily owns the debtor’s property) and maximizing the amount of money that goes to th......

Know Your Rights Under The FDCPA

Know Your Rights Under The FDCPAThe U.S. court system runs on a basic rule: in a lawsuit, the losing party pays the winning party's legal fees. Only consumer collection lawsuits are exempt from this standard; in a consumer collection lawsuit, the debt collector absorbs the court costs, no matter who wins. The Fair Debt Collection Practices Act (FDCPA......

Stop Cardworks Servicing Debt Harassment

CardWorks Servicing, previously known as Cardholder Management Services, was founded in 1987. CardWorks Servicing has locations in Pennsylvania and New York, and now has clients throughout the United States and Canada. CardWorks Servicing employs approximately 800 people and is a subsidiary of CardWorks, Inc. CardWorks Servicing works with bankcard issuers and their services include collecti......

United Collection Service, Inc

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Collections Unlimited (CUI) Harassment

Debt collectors like Collections Unlimited, Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If Collections Unlimited violated the law, you will get money damages and they will pay your at......

Pre-Bankruptcy Counseling Basic

If you are struggling financially due to medical debt, mortgage debt, credit card debt, or other reasons and considering filing for bankruptcy, Chapter 7 may be the best option to implement an automatic stay, stop the harassment, and regain control of your finances.In Illinois, one mandatory step for those who file for bankrupt......

Universal Fidelity, LP

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Credit Rebuilding

When resolving credit report problems, rebuilding your credit can seem like a lengthy and difficult process, but it certainly can be done in less time than you think. Aside from the common strategies, it is essential that you focus on paying your existing debt on-time and keeping your balances low, as on-time payments are arguably the single greatest factor in improving your score. It’s also he......

Teletrack

Teletrack, also known as “CoreLogic Teletrack,” is a consumer credit reporting agency based in San Diego, California. Teletrack’s contact information is:P.O. Box 509124 S......

Collecto Harassment

Are you being harassed by Collecto over a debt? We can help you stop the harassment and even get money. You don't need to pay for our services. Whether you owe the debt or you're being mistakenly targeted, the Fair Debt Collection Practices Act (FDCPA) protects you. The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection pract......

Williams & Fudge

Are you being harassed by Williams & Fudge over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt ......

USIS

Credit reporting agencies, like , cannot report inaccurate information in your credit report. You have rights under the law, and we will help you enforce those rights.THE BEST PART IS…If has violated the law, you will get money damages, a fixed credit report, and will pay your at......

Verifications, Inc.

Credit reporting agencies, like , cannot report inaccurate information in your credit report. You have rights under the law, and we will help you enforce those rights.THE BEST PART IS…If has violated the law, you will get money damages, a fixed credit report, and will pay your at......

Wackenhut

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AmerUSA

AmerUSA is a background check and tenant screening company based in Largo, Florida.AmerUSA’s contact information is:3665 E. Bay Dr. # 204-183Largo, FL 33771Phone: (727) 725-4500Website: http://www.amerusa.netAmerUSA has been in business for sixteen years and is not accredited with the Better Business Bureau. For both employee and tenant screenings, the compa......

TrueScreen

Credit reporting agencies, like , cannot report inaccurate information in your credit report. You have rights under the law, and we will help you enforce those rights.THE BEST PART IS…If has violated the law, you will get money damages, a fixed credit report, and will pay your at......

US Search.com

Credit reporting agencies, like , cannot report inaccurate information in your credit report. You have rights under the law, and we will help you enforce those rights.THE BEST PART IS…If has violated the law, you will get money damages, a fixed credit report, and will pay your at......

The Debtor Education Course

Another requirement for successful discharge in Chapter 7 bankruptcy is the “Debtor Education Course,” which you must complete after filing your petition and before your discharge can be granted.These courses are available in-person, online, and even over the phone, and must be approved by the U.S. Trustee. Classes include information on managing finances, wise use of credit, and creating and m......

Summit Account Resolution

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Important Chapter 7 Reminders, Part 2

Chapter 7 bankruptcy can be a complex process, but you can never do too much research to ensure that you’re prepared, and your attorney will be there to help guide you every step of the way. Here are some additional considerations for Chapter 7 bankruptcy: Adding creditors – If you realize after filing ......

The Statement of Intention in Chapter 7

When you file for Chapter 7 bankruptcy, you will need to file a written “Statement of Intention,” which outlines your secured property (such as your home or car), what you will keep, and what you’ll be giving up to creditors. This statement will be drafted by your attorney and must be filed either within 30 days of your bankrup......

Reliamax

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collec......

Accounts Services

Are you being harassed by Accounts Services over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt col......

Accredited Collect

Are you being harassed by Accredited Collect over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt co......

Cenlar

Do you have problems with over a debt?  You are protected under various state and federal laws.  For example, you have rights under the Telephone Consumer Protection Act (TCPA), the Electronic Fund Transfer Act (EFTA), and the Fair Credit Reporting Act (FCRA). The TCPA has been around since 1991 and protects people from unwanted solicitation calls, robocalls, faxes, and text messages. ......

Account Recovery Solutions

Are you being harassed by Account Recovery Solutions over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what......

Accounting Solutions

Are you being harassed by Accounting Solutions over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt ......

D & D Asset Recovery

Are you being harassed by D & D Asset Recovery over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what d......

my Sallie Mae/Navient account

Upon attempting to log into my Sallie Mae/Navient account to pay my monthly bill I received an error message informing me that my request to log in could not be processed online, and that I would need to contact customer service. After waiting on hold with customer service for over 20 minutes, and having the call disconnected twice for no apparent reason, I finally s......

dealing with Sallie Mae for far too long

I actually do not know where to start as I have been dealing with Sallie Mae/Navient for far too long and if you look at their Facebook page as well as other pages, you will see I am not alone in my complaints against this company. The main problem started when I joined a volunteer program and was looking to defer or forbear my private loans through their company bac......

a ONE time online payment to Sallie Mae

In July i decided to make a ONE time online payment to Sallie Mae via there webiste so that they would receive my Husbands student loan payment on time and to avoid a late charge on my account, i always pay my account on time in fact i have on record only one late payment in the last two years (since 2010). On the website it prompted if i wanted to go paperless and ge......

Accounts Receivable Services

Are you being harassed by Accounts Receivable Services over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about wh......

Accounts Retrievable Co Inc

Are you being harassed by Accounts Retrievable Co Inc over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about wha......

Your Home and Car in Chapter 7

One of the most common myths about bankruptcy involves the fear of losing your home or vehicle. It’s a natural fear considering how essential our homes and vehicles are in our lives, and whether they will be included in bankruptcy is a common question during an initial consultation.All of your income, assets, debts, and liabilities must be listed when filing for Chapter 7 bankruptcy. Fortunatel......

Co-Signed Debt in Chapter 7

Chapter 7 bankruptcy is generally a faster process than Chapter 13 and can potentially eliminate most or all of your consumer debt. However, it’s important to understand how co-signers for certain debts may be affected by filing, as discharging a debt in Chapter 7 will not necessarily remove liability for a co-signer or non-filing spouse who is also responsible for the debt.You must not omit an......

Accredited Collection Agency

Are you being harassed by Accredited Collection Agency over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about wh......

Acctcorp International

Are you being harassed by Acctcorp International over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what deb......

Allied Business Services

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......

Access ADHC

Are you being harassed by over a debt? Stop the harassment and get money, all without paying for our services. You are protected under the Fair Debt Collection Practices Act (FDCPA), whether or not you owe the debt.The FDCPA has protected consumers since 1977. This federal law protects you from unfair or abusive debt collection practices through clear rules about what debt collectors may and m......