Try This 11 Word Phrase to Stop Debt Collectors (Proven to Work)

You may have heard of the 11-word phrase (“Please cease and desist all calls and contact with me, immediately”) used to stop debt collectors if you are dealing with debt and have received calls from debt collectors. However, what exactly is the 11-word credit loophole and how effective is it? What can you say to … Read more

Get off My Back! How to Deal with Debt Collectors

Are you receiving harassing daily calls from collection agencies asking for payments? Maybe your account isn’t yet in collections but the credit card company is beginning to call on a regular basis. Whatever the case is, you are beginning to wonder about how to deal with debt collectors. These companies can be ruthless, some going … Read more

Is Debt Consolidation a Good Idea? What You Need to Know

Americans currently have $12.58 trillion dollars worth of debt. Out of that amount, $412 billion is seriously delinquent. There are a few ways we can work down that debt. We can find part-time work, sell off items we no longer need or declare bankruptcy. We can also consider debt consolidation. There are pros and cons to … Read more

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