Is the debt collector being fair?

Is the debt collector being fair?

In the United States, we have the Fair Debt Collection Practices Act (FDCPA) to provide some legal protection to debtors from debt collectors. In Texas, we also have the Texas Debt Collection laws specifically for our state’s residents. Those laws limit what is and is...
What if a debt collector is harassing me?

What if a debt collector is harassing me?

No one likes to be reminded of a debt they owe. We’d rather forget about it, or at least put it off until we have the money to pay it without ignoring our other monthly expenses. It can feel like we are being harassed and abused, even if we aren’t. But some creditors...
How will bankruptcy affect my credit?

How will bankruptcy affect my credit?

While there are several factors which impact your credit, filing for bankruptcy will likely have a negative impact on your credit for a long time. Of course, the severity of the impact will depend on your pre-bankruptcy credit, as well as your actions post-bankruptcy....