Tag Archive | "debt"

Your relationship with Credit Bureaus

Sunday, August 26, 2012

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Almost all of us have a relationship with the credit bureau. About the only people who do not are those that live entirely on cash and do not have any loans or credit cards. The credit bureaus begin collecting information on you from the time you start your credit history. This might be when you […]

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Judgments in Florida have an interest rate

Wednesday, June 6, 2012

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Judgments occur when someone owed money files papers with the court asking for a court ordered lien against a debtor. Creditors file these as a way to recoup money for debts owed them. They also tack on interest on top of that money. Creditors usually wait a while to file judgments and pursue collection efforts […]

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The Fair Debt Collection Practices Act or FDCPA

Monday, February 13, 2012

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The Fair Debt Collection Practices Act or FDCPA was created to help protect consumers from unfair debt collecting practices. It is a federal law and applies in every state, often in conjunction with state laws. Florida’s state law is called the Florida Consumer Collection Practices Act or FCCPA. SmithLaw’s blog post detailing that can be […]

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Being harassed by debt collectors?

Thursday, February 2, 2012

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The Florida Consumer Collection Practices Act or FCCPA can help. This act is only for the state of Florida and was meant to create good debt collecting behavior and protect Florida’s citizens from debt harrassment. It defines who is a debtor, who is a creditor, who is a debt collector, and more. It provides rules […]

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Debt Mitigation

Friday, September 30, 2011

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Drowning in debt? Worried you might lose your home or other property? You might be a candidate for debt mitigation. Debt mitigation changes the terms of a loan permanently to help you keep various types of property. It might include a reduction in interest, reduction in principal, or a change to the length of the […]

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