Help consolidating credit card bills


29-May-2017 03:04

If you can't do this, the creditor may sell the car.

If you see default approaching, you may be better off selling the car yourself and paying off the debt: You'll avoid the added costs of repossession and a negative entry on your credit report.

Federal law dictates how and when a debt collector may contact you: not before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls.

Collectors may not harass you, lie, or use unfair practices when they try to collect a debt.

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Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who’s having trouble making mortgage payments.They can tell you if any consumer complaints are on file about the firm you're considering doing business with.Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.And they must honor a written request from you to stop further contact. Secured debts usually are tied to an asset, like your car for a car loan, or your house for a mortgage.

If you stop making payments, lenders can repossess your car or foreclose on your house.You can find information about budgeting and money management techniques online, at your public library, and in bookstores.Computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest.