When you make a commitment to yourself to get from under debt, it means you have written down and are very clear about WHY you want to get out from under your debts and when. Share that [...]
I get a LOT of messages asking how to write debt validation letters. Validation letters are sent to collection agencies to dispute and request proof of both the debt and the collection agency’s [...]
Repairing your credit takes time, be patient. I had a person in my workshop recently tell me that she mail off letters on the same items every 15 days thinking it would bring her quicker [...]
Creditors and insurers may use your credit information as a means of sending you unsolicited offers. These offers will include a toll-free number for you to call if you want to remove your [...]
Received a summons for a lawsuit and decided to make payment arrangements prior to? Okay, but still go to court!
So, you decided to make payment arrangements with a creditor to avoid going to court and possibly getting a judgment? That’s cool, but don’t think for a second that they [...]
Hey Hey! It’s Q & A Friday! Q: Hi Netiva, I opened up a credit card with Capital One as you suggested and I’ve had it for about 6 weeks or so now. The problem is, [...]