If you are being contacted by debt collectors for original creditors or debt buyers, there are things you can do to protect yourself. You may want to negotiate with them effectively so that you can pay them and minimize damage to your credit report or reduce the chance of their suing you, or you may just want to make them leave you alone.
Whatever you want, though, there are legal protections and tools you can use to move things forward and avoid hurting yourself in the future.
It starts with knowing who is contacting you and what they want - and what they can or might do to you if they do not get it. Likewise, it is good to know what you can do to them, depending on how things develop. There's an old saying that almost all lawsuits settle after negotiations, but that negotiations always occur "in the shadow of the law." That is, what you will have to do after settlement has a lot to do with what they could make you do after trial. Thus there is a lot of information here designed for people suing and being sued - that's how you know where the shadow of the law falls.
Credit card companies are different than other large companies or small businesses, and both are different than debt buyers. Talking to a bill collector inside an original creditor is different than talking to one outside the company, and it is yet another thing if you are contacted by someone on behalf of a debt buyer. It sometimes even makes a difference whether they call you first, or vice-versa. These are all important things to keep in mind. And there are many others. We have materials on the site that will help you understand how these things can affect your negotiations, and we have products that will make it easier for you to do what you need.
Many debt settlement companies attempt to force creditors to the negotiating tables by withholding payments. This is not always a good idea. There are also other alternatives, and we discuss some of those and ways you can act to minimize the damage to your credit report by negotiating with creditors, where possible, before that damage has occurred.
If you are negotiating, you will want to act in your strategic best interest, and our materials are designed to help you do that.
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When bills begin to add up and start to go unpaid, you will face the hostility of creditors and the threat of litigation. The Debt Negotiation Manual is designed to help with that. It provides you with tools, techniques and tricks to get the attention of the other side in order to get them to negotiate with you. Then you need to use all the power in your situation to get the best possible deal, and then you need to nail it down with agreements that make sure you have accomplished your goals. The Debt Negotiation Manual does all this. Click here for more details on the Debt Negotiation Manual. We have also made a special arrangement with a major provider of prepaid legal services directed towards people with debt issues. Click here to find out more about that.
If you are sued, you will need something with a more specifically legal focus. Our flagship product, the Debt Defense System is designed to give you everything you need to defend yourself from the creditors or debt collectors in a lawsuit. This includes forms and samples of documents you might need, a thorough explanation of every step of the litigation process, and materials that will allow you to tend to every part of the litigation process with as little anxiety and as much effectiveness and power as possible. Click here for more details on the Debt Defense System. We also have several products designed for specific parts of litigation, and our members are encouraged to call in with their questions on regular teleconferences or even purchase "time" where we prepare special guides developed more on your specific situation.
And finally, you will want to repair the damage done to your credit. That is what the Credit Repair Manual is for. With this book you get a full explanation of the way the credit reporting business works and what you can do to use the tools at your disposal to accomplish your goals of eliminating or neutralizing bad information on your report and building up good information that will make it possible to restore your credit score and reputation. You will be able to use them on both the credit reporting agencies and the information "furnishers" - the creditors and debt collectors who are reporting you. Click here for more information on this part of the product,