Debt Elimination Success Seminar

Get Out of Debt

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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


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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:

  1. Copy of the original application showing terms of agreement.
  2. Summary of my account activities – including all purchases, payments, late charges, date of payments received and date payments posted.
  3. All documents signed by me proving the amount of obligation.
  4. Documented proof that this is my obligation.
  5. Copy of the purchase agreement between ______ and your corporation.
  6. 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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