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Debt consolidation is combining outstanding loans (debt) into a single package (consolidation). The debts therefore become one “new” loan, and instead of making several small payments on the loans you used to have, you make one larger payment on the new loan. Occasionally people ask whether debt consolidation is a good, economically constructive solution to credit […]
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The Fair Debt Collection Practices Act (FDCPA) is a source of many protections against “unfair” debt collection practices. It enumerates many of these practices but leaves room for more general use of the law, too. This article discusses three specific violations as examples of what the law can do. The Fair Debt Collection Practices Act […]
Hey there! This content is available to MEMBERS only! Consider registering for an account.
Hey there! This content is available to MEMBERS only! Consider registering for an account.
The Fair Debt Collection Practices Act (FDCPA) is the centerpiece of legal protections for debtors against debt collectors. The law was passed in its essential form in 1977, and its goal was to protect debtors against the abuses of debt collectors. This article discusses what makes this law great, and some of its limitations. The […]
As I have pointed out in my video about garnishing Social Security, Social Security benefits are exempt from most forms of garnishment – the notable exception to that rule is that they may be garnished by certain government entities. Although Social Security benefits are exempt from most forms of garnishment, I warned that they could […]
