Credit

Fair Debt Collection Practices Act (FDCPA) The FDCPA is the consumer protection act designed to prohibit abusive practices by debt collectors. The FDCPA specifically defines a collector as any person that collects debts owed to others, and may include attorneys that collect debts on a regular basis. Note that the …

Use Debt Validation To Protect Yourself. Why is this imperative? Because ironically, the majority of the time the collection agency CAN’T properly validate the debt, especially if its old. They have a hard time producing the proper legal documents to legitimize that you actually owe a debt. Many times these …

Absolutely. Bad credit items are deleted by the thousands each and every day. Any type of negative item can be removed from a credit report, including bankruptcies, foreclosures, repossessions, charge offs, judgments, tax liens, collections, late payments, personal information and more. The credit bureaus do not want you to know …