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04/11/2012

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Reorganization is a useful busisens tool, if used with a solid reorganization plan to satisfy creditors, stockholders and the courts. I've helped two small busisenses do the same. One went under the other is alive and strong today after 20 years!

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Third party debt collection agnecies purchase your debt at a low cost with the goal of making a profit on their purchase. You are 100% not required by law to pay a third party whom you did not sign a contract with over the original debt. The debt collection agency has no legal right to demand money from you because you never signed a contract with them.They're just a bunch of idiots paid commission to scare you into paying a debt that your bank/credit card organization has already closed.

Esther

Each CELLPHONE call has potential to be a vlioation potentially costing $1500 for EACH instance they call or leave message depending where you reside (violations can rack up between various federal law + your state laws. This does not count the possible FDCPA laws as well. So if you want to make some money off collectors, write to let them know not to call but in the meatime let them do so they violate. Keep a log of all cellphone calls, recordings, cellphone bill, and proceed with lawsuit.

Alpesh

I agree with AEinsteinSr. Just dont use credit cards. And hlesntoy, using credit cards after you have already lost your job or took a cut in pay is pretty much about the 23rd thing on the list of things you should do in a situation like that. 99.99% of the time it just seems to make everything worse. I do think the fact that credit is becoming more exclusive and elite per the new laws and regulations in Feb will sort a lot of this out in years to come.

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