Credit card companies and other creditors profit immensely when people carry debt. While it may seem that creditors would prefer you to pay off your balance, the reality is that they earn significantly more when you carry debt and make interest payments. In this article, we’ll explore why creditors want people to stay in debt,…

Read more

If you’ve been dealing with debt, you might have heard the term charge-off from creditors or on your credit report. For many people, seeing this term can feel alarming, but it’s important to understand what a charge-off really means, why you still owe the debt, and how it can be part of a debt settlement…

Read more

Receiving frequent calls from creditors or collection agencies can be frustrating and stressful. One way to reduce or eliminate these unwanted calls is by using call screeners and call blockers. These tools can help you manage or stop the intrusion of constant creditor or collection calls, giving you peace of mind and more control over…

Read more

Understanding Debt Collection Violations: How to Protect Yourself from Illegal Creditor and Collection Agency Practices If you’re struggling with debt and facing harassment from creditors or collection agencies, it’s important to know that the law offers protections. Whether you’re dealing with an original creditor or a debt collection agency, there are specific rules they must…

Read more

Dealing with constant calls from a collection agency can be stressful, but there are steps you can take to stop these calls. Here’s what you can do to get relief and legally protect yourself from harassment: 1. Request They Stop Calling (Verbal Request) You can start by politely asking the debt collector to stop calling…

Read more