Debt settlement is not a complicated process, it is rather a mix of experience and perseverance between an individual looking to negotiate unsecured debt and his or her negotiators. Many believe simply because they have ...

Some people have expressed skepticism that you can actually negotiate with collectors using creative methods of reducing debts. If a debt is with a collection agency, the original creditor is not going to deal with ...

Consumers are protected under the FDCPA rules when a collection agency other than the original creditor is collecting on an unpaid debt. Most consumers fail to realize with a simple procedure most debt can disappear. ...

As a follow up to our Validating Debt article, if a collection agency has failed to remove a listing, the next step to be taken is to file a lawsuit against the collection agency in ...