Your creditors are calling demanding payment but due to
your financial situation you just don't have the money! Many collection tactics used by debt collectors are
illegal. A Fair Debt Lawyer can make those annoying collection calls and letters stop.
If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:
The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!
We've all been there . . . not having enough money to pay
all our bills! When a loss of income, an emergency, or some other
personal situation causes you to miss payments, use these free creditor
letters, tools, techniques, and tips to protect yourself when creditors call.
The phone script is especially good at helping you remain in control of your
emotions while negotiating a temporary payment plan with your creditors.
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Guidelines for Contacting Creditors
Creditors want to
hear from you before you your bills are late and are more willing to work with
you if they know your situation. Guidelines for contacting creditors.
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Phone Script for Calling
Creditors
If you're nervous about calling creditors to ask for reduced
or delayed payments then use this script to control emotions so you can
negotiate better! |
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Phone Log - For recording calls
to creditors
Keeping accurate records of calls can protect you down the
road. Use this free sample phone log to keep accurate records of all calls to
creditors. |
Credit Practices Co-signer
Law
Learn how this federal law prohibits certain co-signer credit
contracts and how you must be warned about liability if the other person fails
to pay. |
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Letter to Confirm
Payment Agreements
After negotiating lower interest and payment
agreements with your creditors, use this free sample letter to confirm the
payment arrangement! |
Letter to Dispute Credit Card
Bill
Need to dispute an item on your credit card bill? Use this free
sample letter to dispute items in accordance with the Fair Credit Billing Act.
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Credit Warning
Signs!
If you recognize any of these danger signs, then you're already
in serious financial trouble and need help - nonprofit debt and credit
counseling is available! |
About Credit and Debit
Cards
Learn about the hidden fees and charges in unsecured credit cards
and why credit card insurance is useless! |
When you experience a loss of income and cannot meet your monthly
payments you need to know your rights so you can stop collection harassment.
There are many federal and state laws that offer
protection from creditors and collectors who use unfair, unethical and even
illegal tactics collection tactics.
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