http://www.debtmd.com/articles Free Get Out of Debt Advice Sat, 27 Jan 2007 17:41:43 +0000 http://backend.userland.com/rss092 en When you apply for a home mortgage, you may think that the lender will hold and service your loan until you pay it off or you sell your house. That's often not the case. In today's market, loans and the rights to service them often are bought and sold. A home ... http://www.debtmd.com/articles/2007/01/27/mortgage-servicing-making-sure-your-payments-count/ After reading this article you should be able to: 1. Identify your Personal Spending Habits. 2. Identify the Leaks in Your Budget that add up to trouble. 3. Develop a Spending Plan that works for you. Now that you have determined exactly how you want to spend your money and ... http://www.debtmd.com/articles/2007/01/27/money-making-it-tracking-it-saving-it-spending-it/ Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You’re not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused ... http://www.debtmd.com/articles/2007/01/27/knee-deep-in-debt/ Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your ... http://www.debtmd.com/articles/2007/01/27/how-to-dispute-credit-report-errors/ The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information ... http://www.debtmd.com/articles/2007/01/27/faqs-on-accessing-your-freed-credit-reports/ If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in ... http://www.debtmd.com/articles/2007/01/27/fair-debt-collection/ Fair Credit Billing Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little ... http://www.debtmd.com/articles/2007/01/27/fair-credit-billing/ You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims: “Credit problems? No problem!” “We can ... http://www.debtmd.com/articles/2007/01/27/diy-credit-repair-self-help-may-be-the-best-option/ Credit and Your Consumer Rights A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. ... http://www.debtmd.com/articles/2007/01/27/credit-and-your-consumer-rights/ Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial ... http://www.debtmd.com/articles/2007/01/27/choosing-a-credit-counselor/