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In Debt ??? Been There Done That




Credit Problems? At the beginning and end of each page I have some information of credit issues you should read. The first one, below, deals with the "reality" of a bad debt, and what in "reality" a creditor will do, despite what they threaten !!!

Excerpt from Give Yourself Credit
Creditor Direct Strategies

 
The following is a small excerpt of the creditor direct strategies chapter. Download the Full Kit and learn more about this proven method of restoring your credit.
 
If you are serious about restoring your credit, creditor-direct work should commence as soon as you see your first set of credit reports. Creditor-direct requires a lot of time and street smarts. You will be dealing with savvy negotiators in powerful corporations. You will often be discouraged, denied, and blamed, but you must not be intimidated. Remember, if you make the same request enough times within any corporation, you will eventually get what you want.

Settling Your Debts
Many times we have been asked, "Can I just delete the negative listing without paying the debt?" In most cases, the question comes from someone attempting to dishonestly escape a financial obligation. While it is true that negative debt listings can be deleted from the credit report - even while the debt remains unpaid - it is also true that these listings stand a good chance of reappearing on the credit file sooner or later. There is a better alternative than attempting to escape the debt.

You can create a true win-win situation by settling the debt with the creditor. It is our experience that the average consumer settles a debt for about 75 cents on the dollar. It is also our experience that a professional negotiator will settle an average debt for about 60 cents on the dollar, including their fee. There is rarely a good reason to attempt your own debt settlement. Creditors will not take you half as seriously as they will take your attorney. Handled properly, you will save time and money by seeking a good attorney or service to negotiate with your creditors.

 

Understanding the True Risks and Realities of Overdue Debts
Most consumers overestimate the risk involved with overdue debts. They worry about possible repercussions such as wage garnishment and property seizure by their creditors. When the debt relates to a secured property, such as an automobile or a home, the possibility of repossession is serious, but unsecured debts, such as credit cards and deficiencies are much less pressing.

In fact, very few creditors will push all the way to a garnishment on a relatively small unsecured debt. Garnishment and seizure are a creditor's most terrifying weapons used to collect past due debt, but they are expensive and time-consuming. Even if the creditor went all the way to recover the debt, they probably wouldn't be able to recover enough to offset their collection costs. There is little risk of a creditor taking an unsecured debt past simple collections.

It is important to remember, however, that the creditor would be in his rights to get a garnishment and seize property, even for a small debt. There is some risk of financial reprisals when a debt goes unpaid. Many consumers fold under the perceived strain of unpaid debts. Hundreds of bankruptcies take place in the United States each week for amounts under $5000.

These consumers are so intimidated by their creditors, that they flee to bankruptcy, even though bankruptcy can bring total financial devastation for at least the next ten years. If these same consumers had simply waited, and ignored the threatening letters and telephone calls, they would have realized that their creditors were all bark and no bite. Bankruptcy is the best option for a few consumers, but it is much over-used. And, when a consumer files for bankruptcy, everyone loses - especially the creditors.

The risks of judgments, garnishments, and property seizures must be properly balanced against the likelihood that such drastic collection measures will ever happen. The risks, and the decision to take that risk, are entirely yours if you're in such a position.

Which Debts Can Be Settled?
An unsecured debt is a debt where there is no collateral. Unsecured debts include medical bills, credit cards, department store cards, personal loans, collection accounts, student loans, amounts remaining after foreclosure or repossession, and bounced checks. Most unsecured debts can be settled. But, utility companies generally won't settle for less than the full balance. There are some few creditors, who will never compromise, but most will take a less-than-full payment as settlement in full to close a troublesome account.

Secured, collateralized debts, such as a home or automobile, are another story. If the creditor can simply repossess the property, why should he negotiate? You can often renegotiate a short payment relief with a secured debt, but don't attempt to settle the account while you still possess the property.

Also, the creditor must have a good reason to want to settle. If the account is paid current, and there is no recent history of late payment, it will be difficult to convince the creditor that it is in their best interest to settle. This should not be read as a recommendation that you stop paying your current bills. If you stop paying your current bills, you will almost certainly make your credit situation worse. Perhaps bad credit is not an issue for you at this point and you feel you must stop paying your bills in order to settle them and get back on top of your debt load. If this is the case, you make such a decision at your own risk.

Order the Full Kit and Learn

  • Proven methods of getting the upper hand when disputing with your Creditors.
  • Learn to use settlements to restore your credit.
  • How to phase your approach.
  • A proven template letter to send to your creditors that gets great results.

Order the Full Kit Today

 

The Credit Bureaus can't stand them , bill collectors despise them , but their clients LOVE them. They must be doing something right.

Lexington is a law firm specializing in credit repair. They have helped over 80,000 Americans repair their credit by removing inaccurate, misleading, or unverifiable items from their credit reports. From bankruptcies to charge-offs to tax liens, we have challenged virtually every credit problem under the sun.
They’re good at what they do because they believe in their work, because they enjoy what they do and they're committed to their clients. And that means they get you results you can count on, results that can literally turn your life around.
Their service is engineered from the ground up with credit repair in mind. As a client you will find that they leverage their entire arsenal of credit repair experience and powerful strategies on your behalf.
No-compromise credit repair is what they offer. The results are nothing short of amazing. But don’t just take our word for it — take a look at their statistics. They feel they speak for themselves.
Warranty

Lexington Law Firm puts their "money where their mouth is" .
Their service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. Put simply, they don’t believe you should have to pay for ineffective service.
Visit Lexington Law Firm NOW !
Credit Taking a beating?

Financial Help



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The Federal Trade Commission strongly urges consumers to monitor their information at all three national credit bureaus at least once a year.
Your Credit Report Package Will Include:
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  • Information on your rights
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    Do-it-Yourself Bankruptcy Kit
    Do-it-Yourself Bankruptcy Kit. Click Here.

    BANKRUPTCY

    Do-it-yourself bankruptcy kit. This kit is for people who have determined that they need a fresh start. It contains all of the forms needed to file, step-by-step instructions, as well as a list of each state's exemption policy. If you are considering bankruptcy, this kit will save you money! Lawyers typically charge over $1,000 to help you file. Their kit will show you how to easily file on your own for under $200, and how you can pay it in installments. Do-it-Yourself Bankruptcy Kit. Click Here.
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    Erase Bad Credit from your Credit Report. Click Here!

    CREDIT REPAIR

    Not only do they help with loans for credit-challenged individuals, but they also help with repairing your credit. And, this does NOT involve the current scam floating around the internet where you are told to apply for a new Social Security Number or EIN. That method is completely illegal. Members of their website are given online access to a very unique and exclusive credit repair kit. It is nothing like any credit repair kit you've ever seen. It contains completely legal methods that WILL show you how to remove negative marks from your credit report, even if they are true. Their credit repair kit will show you how to remove charge-offs, bankruptcies, judgements, etc. You will learn the latest, closely-guarded methods that attorneys are using every day. These methods will also help to increase your FICO score, which is the score lenders use to evaluate your creditworthiness. Erase Bad Credit from your Credit Report. Click Here!
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    CREDIT REPAIR

    The Credit Bureaus can't stand them , bill collectors despise them , but their clients LOVE them. They must be doing something right.

    Lexington is a law firm specializing in credit repair. They have helped over 80,000 Americans repair their credit by removing inaccurate, misleading, or unverifiable items from their credit reports. From bankruptcies to charge-offs to tax liens, we have challenged virtually every credit problem under the sun.
    They’re good at what they do because they believe in their work, because they enjoy what they do and they're committed to their clients. And that means they get you results you can count on, results that can literally turn your life around.
    Their service is engineered from the ground up with credit repair in mind. As a client you will find that they leverage their entire arsenal of credit repair experience and powerful strategies on your behalf.
    No-compromise credit repair is what they offer. The results are nothing short of amazing. But don’t just take our word for it — take a look at their statistics. They feel they speak for themselves.
    Warranty

    Lexington Law Firm puts their "money where their mouth is" .
    Their service is backed by a warranty which entitles you to some or all of your money back if enough disputed items are not deleted. Put simply, they don’t believe you should have to pay for ineffective service.
    Visit Lexington Law Firm NOW !
    Put the Brakes on Bad Credit - Credit Repair Kit
    Credit Repair Kit

    CREDIT REPAIR

    Included in Credit Repair Kit
  • Understanding the Law and Knowing your Rights. Fully understand your rights under the Fair Credit Reporting act. Discover the Laws the Credit Agencies don't want you to know about. How to use these laws to the fullest extent.
  • Your FICO Score What it means. How it works. Why it is different from your credit score. What type of score looks good to what type of creditors. How to increase your score.
  • How to Read your Credit Reports Make sense of the codes the credit agencies use. How these codes determine your level of credit. The truth about the 100 word statement.
  • How to Negotiate Directly with your Creditors Not getting anywhere with the Credit Agencies? Try the creditor directly. Getting the upper hand with your creditors. Proven negotiation tactics (don't be intimidated) How to phase your approach. (working from the top - down) Letter template you can use to contact your creditors directly and get fast results. Settling your debts with creditors What debts can be settled easily. Using settlements to restore your credit.
  • The Best Disputing Methods Proven tips that get fast results. What to do and what not to do. What inaccuracies to look for. Getting past the credit agency checker. Dispute letter templates. How to handle rejections. Follow up methods. (forth quarter strategies) Very Important!!!
  • How to Reestablish your Credit. Little known methods to build back great credit fast. Keeping your credit in prime condition. How to remove inquiries.
  • Keeping Track of your Progress Tracking tools and information Credit Restoration Organization Form This form allow you to easily keep track of your progress. Use it to track your request, disputes, follow ups, etc...
  • Important Website Links Federal Trade Commission Reports and Studies Court cases and conclusions
  • Valuable Information Important contact information for Credit Agencies FTC Local offices by state Credit Companies More
  • Companion Website Updates Link to website containing updates and changes so your always up to date with the newest information.
  • Free updates for 1 year When you purchase our Credit Repair Kit, you don't just get a download and that's it. We are constantly monitoring the laws and practices related to consumer credit. We edit our kit to reflect these changes. By purchasing the Give yourself Credit Kit you become a member of Creditrepair.com. As a member, you will receive a free updated guide any time major changes are made to the kit for one full year after you download the kit. * On average they make a major update to the kit every 6 months.
  • Performance Guarantee 90 days Our guarantee is very simple. If you apply the techniques and follow the instructions detailed in this kit and do not see satisfactory results within 90 days of sending off your first round of disputes, we will refund 100% of your money. It sometime takes 2 full dispute cycles to see adequate results. Each dispute cycle takes about 30 to 45 days to complete. Thus our guarantee covers the your first two dispute cycles from which you should see the majority of results.
    The Difference In Our Credit Repair Kit
    Our kit was written by professionals who have been using the exact strategies and techniques detailed in the kit to remove negative items from their clients reports for the last 10 years.

    Many kits are nothing but a collection of form letters. Using form letters can delay or even damage your credit. Agencies can spot them right away and will often dismiss your dispute or even suspend your case. Our kit details exactly how to write your own dispute letter and convey the necessary information.

    Creditor Direct Strategies. This method of credit repair is unique to our kit. Negotiating with your creditors directly can result in quick removal of negative information. No other kit we know of covers this method.

    Up to date, relevant content. Many kits sold on the internet are so out dated that they still refer to TRW as one of the agencies. You can be assured that our kit contains up to date information.
    Credit Repair Kit

  • Common Credit Repair Questions
    What does the law say about repairing your credit?

    As the credit bureaus computerized their processes and greatly expanded their reach and influence in the late 1960s and early 1970s, consumer complaints began to pile up at the FTC and state attorney generals' offices. The credit reporting agencies quickly became huge bureaucracies second only in size to the federal government. Yet, the credit bureaus expressly served only the needs of their clients, the credit grantors.

    Many consumers were negatively effected by the credit bureaus, but they had no way to correct or change their credit information. The American consumer lay completely at the mercy of the credit bureaus. The United States Congress enacted the Fair Credit Reporting Act (FCRA) in 1971 to insure that the credit bureaus investigate the credit items disputed by consumers. This federal law set procedural guidelines which gave the consumer the right to challenge the accuracy, validity, and verifiability of the credit listings appearing in their consumer credit report. It also required that the credit bureau repair any credit listing if it was inaccurate or could not be verified.

    In theory, the FCRA charges the credit bureaus with responsibility to the consumer as well as the credit grantor. In reality, the credit bureaus resist, resent, and reject consumer disputes. The credit bureaus would rather be left alone to make a profit. And, each time a consumer challenges his credit, profit is lost.

    The credit bureaus first defend their profits by erecting walls of stall tactics, including requests for more information, further clarification, and additional identification. The vast majority of consumers give up before they even receive copies of their credit reports. If a consumer manages to get a credit report, decipher the codified information, write a coherent dispute, and mail it, the bureaus may still find some reason to disregard the challenge. The entire dispute system is designed to frustrate and discourage the consumer.

    Many consumers have the idea that the credit bureaus must complete their investigation within thirty days or be forced to remove all disputed information. They threaten to sue the credit bureaus if they don't conclude their investigation in time and repair their credit. In practice, such thinking is delusional. Nobody forces the credit bureaus to do anything.

    However, if you manage to submit a valid dispute letter, and the credit bureau investigates your dispute, the chances of success are good - whether or not the negative listings are accurate! Accuracy actually has little to do with the deletion of negative items.

    If a credit bureau cannot verify an item before completing its investigation, that item will be removed. Many creditor grantors are simply reluctant to take the time to verify the data. While the credit bureaus may be in the business of reporting credit histories, creditor grantors are not.
     

    What is the truth about credit repair companies? Can they really do what they say they can do?

    Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money back guarantees; "Bankruptcy, tax liens, judgments, . . . no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees?

    While some credit repair companies are outright frauds, others are not frauds and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day - regardless of whether or not the listings are technically accurate. In truth, credit repair fraud is less common today then five years ago. Vigorous regulatory sweeps by state and federal regulators have cleared away most of the illegitimate (and some of the legitimate) credit repair companies.

    Unfortunately, it's risky to trust anyone to help you repair your credit. It is estimated that credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.

    Working within the credit bureau maze requires substantial background knowledge; knowledge it takes credit repair companies years to learn. In fact, U.S. District Court Judge J. Wexler entered the following legal opinion in the Federal Supplement. "Since allowing third parties to assist consumers will likely lead to the expedited correction of credit reports, it will further the purposes of the [Fair Credit Reporting] Acts."

    So, can credit repair companies really guarantee results?

    Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim.

    Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report.

    Some time ago, a couple in the Northwestern United States, who were using the services of a legitimate credit repair company, received a scathing letter of reproach from their local credit bureau. The letter chastened them for relying on the "unethical" methods of credit repair, and pointed out how all their efforts had come to nothing. "As you can see," the letter chastened , "your credit reports remain unchanged." The couple was bewildered because almost all of their many negative credit listings, including a bankruptcy, had long since been deleted.

    The simple truth is that you don't have to endure bad credit for seven to ten years. It is possible to repair your credit within a much shorter time.

    However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and repaired their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, you can repair your credit.

    How long can the credit bureaus keep a negative item on my credit report and what actions will restart that date?

    On this issue, there is much confusion. Almost every so-called credit repair expert has a different opinion regarding the actual credit reporting period allowed by law.

    Most negative listings may be kept on your credit report for a period of 7 years beginning on the date that you were last reported late before they repair themselves. This means that if you were late every month from March to August of 1995, that your date of last activity would be on August of 1995. In this case, the item would be due to repair itself on August of 2002. You don't have to live with 7 years of Bad Credit. Download "Give Yourself Credit" Today

    There are several exceptions to the seven year rule. Bankruptcies may be reported for 10 years from the date that the bankruptcy was discharged. Liens and judgments may be reported for seven years or until the statute of limitations in that state (usually between seven and ten years) runs out, whichever is longer. However, credit bureaus usually keep these listings on the report for the seven year period regardless of the local statute of limitations, unless you repair them first.

    The other interesting exception is in the case of a negative listing that has been sent to collections or has been charged off. The seven year limit begins 180 days after the last late payment before the account was charged off or sent to collections. In other words, if you didn't pay a certain bill from January to March, and the creditor sent the account to collections in June, then the negative listing could remain on your report for 7 and 1/2 years from that last payment in March unless you repair your credit first.

    How long do the credit bureaus have to respond to a dispute letter when credit repair is attempted?

    Under the most recent version of the Fair Credit Reporting Act, the credit bureaus must complete a reinvestigation within 30 days of receiving a dispute letter from the consumer.

    However, the credit bureau still has the right to consider a dispute letter "frivolous and irrelevant" at their own discretion, if they feel that someone is attempting credit repair. While the credit bureaus are careful not to overuse this privilege, they may deem virtually any dispute frivolous or irrelevant without having to justify their decision or point to credit repair methods. Learn how to get the credit repair companies to take positive action on your dispute. Download "Give Yourself Credit"

    While the credit bureau is required to complete their reinvestigation in 30 days or less, the consumer has little recourse against them if they don't. Many consumers assume that the credit bureau must repair all disputed credit if the investigation isn't completed within the required time. This is not the case. The credit bureau may take as long as it likes to repair the credit. The only real recourse a consumer might have would be to gather a class-action lawsuit to penalize the bureau for taking too long. At Trans Union, for example, it is common practice to receive the credit repair dispute letter, take a week or two to process it, then send the consumer a letter saying that the reinvestigation will begin on the date that the credit repair dispute was finally processed. This often gives them a total of six weeks from the date of receipt of the dispute to complete the reinvestigation.

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