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Debt Collection Companies and Negotiating Debts
Many of my clients get debt collection calls and and debt demand letters, and many of these calls and letters come from just a few debt collection agencies. All of the big banks contract out their default and delinquent accounts to a relatively small number of large debt collectors. If you are sued on a…
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Can a Creditor Garnish a Paycheck or Bank Account?
A creditor who has obtained a judgment against you can garnish a paycheck or bank account, or both. The creditor must file garnishment affidavit at your bank, at which point the bank will pay that creditor whatever amount is available in your account, up to the amount of the judgment. A creditor will drain your…
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Debt Settlement Companies are Rip-Offs
There exists no independent research on the success rates of so-called “debt settlement” companies. Both internal company reports and copious anecdotal evidence suggest that fewer than one in four of those who hire these companies actually complete their programs. Even more troubling, most debt settlement clients are sued by their creditors while in a debt settlement…
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What is Skip Tracing?
Skip tracing (or “skiptracing”) is the imprecise and frequently inartful process of locating a person’s whereabouts by whatever means available to the skip tracer. Skip tracing tactics are most often employed by debt collectors, although the methods are also used by law enforcement, private investigators, bounty hunters, and journalists. Skiptracing is also sometimes referred to…



