Debt Elimination Success Seminar
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I Hate Debt Homepage Section 1 A Look at Debt History of Debt Credit Card History Current State of Debt How You Got Into Debt Good Debt Bad Debt Business vs. Personal Debt Section 2 Dealing With Your Money The Two Step Plan Doing The Two-Step Step One Step Two The Paths Out of Debt 1- Create a Debt Payment Plan 2- Neogtiate Better Rates & Terms a.Consolidation Loans b.Consumer Credit Counseling Services 3- Negotiate Lump-Sum Settlements 4- Bankruptcy 5- The Easy Way 6- Win $1,000,000 Living Debt-Free Manage Your Money Make More Money Save Money SameMoney-MoreFun Stay Debt-Free You as a Business Section 3 Dealing With Your Creditors Alerts/Scams The Credit Industry Credit Industry The Fine Print The Secondary Debt Market The Debt Collection Process Original Creditor The Charge-Off Collection Agency Legal Problems Dirty Creditor Tricks Dealing with Debt Collectors Dealing with Debt Collectors Statute of Limitations Cease and Desist Letter Section 4 The Credit Report The Credit Report Credit Score Credit Repair Section 5 Dealing With Yourself The Critical Factor The Art of Prosperity The End of Failure Prosperity Coaching Section 6 Kids and Money Kids and Money How to Pay for College Section 7 Debt Information Bookstore Debt Facts Radio Show Resources About Us Privacy Policy Site Map If you find this information helpful I ask you to contribute to help me help more people. You can contribute through PayPal by clicking on this button Or you can mail in your contribution.	Fight Back Against Date of Last Activity Fraud ***Below is a Sample Letter that you can use as a guideline to contact the company that purchased the debt. You may choose to fax it, mail it, send it Certified Mail or do all three. I suggest your change the letter up a bit to suit your specific claim and writing style. This letter does not constitute representation and should not be used in place of legal counsel.***** Your info Date Third party Debt Purchasers Attention: Compliance Department Re: Credit reporting on alleged account under Social Security # ____________________ Dear Sir/Madam: I recently reviewed my credit report to discover that you are reporting on my credit report. I have no knowledge of ever receiving a notice of collection from you nor have I had any direct dealings with you. I also noticed you took it upon your self to report a false recent date of last activity which is against the Fair Credit Reporting Act and a clear violation of my consumer rights. I have already filed complaint with the Federal Trade Commission and my states Attorney Generals Office against you. Since you are alleging that I owe you monies, have a personal debt with you and are reporting on my credit report please forward the following information. I am disputing this debt is mine: Copy of the original application showing terms of agreement. Summary of my account activities – including all purchases, payments, late charges, date of payments received and date payments posted. All documents signed by me proving the amount of obligation. Documented proof that this is my obligation. Copy of the purchase agreement between ______ and your corporation. Copies of any and all collection notices sent me by your corporation. If you cannot supply me with this pertinent information within 30 days, then I demand that you cease reporting this information and instruct the credit bureaus to remove the incorrect record from my credit reports. Per the Federal Fair Debt Collection Practices Act you are also given notice to only communicate with me in writing. Any phone calls will be recorded and used against you. You may contact me in writing to inform me if you intend to evoke a specific remedy. Your prompt attention to this matter is requested. Sincerely, Informed Consumer CC: Credit Bureaus	More Credit Report Links The Credit Report Credit Score Credit Repair Your Free Credit Report The History of the Credit Report Credit Report Tips Credit Repair Scams Credit and Your Career Consumer Alerts for D.C. Credit Services and Camco Some collection agencies has started reporting old debt as new. Find out more here and here's a letter that you can use to file a complaint if this has happened to you. Books on Credit Repair Read the transcript of Andrea Villarreal from Better Scores Better Rates’ "I Hate Debt" radio show interview. Improving Your Credit Score 1 Improving Your Credit Score 2 Listen to Andrea R. Villarreal from Better Scores Better Rates’ “I Hate Debt” radio show interview. Segment 1 Segment 2 If you're looking for help try the Credit Secrets Bible™ Don't let bad credit cost you money. Fix it!

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