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Filing for Chapter 7 bankruptcy can be one of the most difficult financial decisions you’ll ever face, but for many, it offers a real chance at a fresh financial start. If you’re overwhelmed by debt and struggling to keep up with payments, Chapter 7 may allow you to eliminate most unsecured debts and start rebuilding your life.
Struggling with bad credit can be frustrating and overwhelming. So when a company promises to quickly "fix" or "erase" your credit history for a fee, it may sound too good to pass up. Unfortunately, many of these offers are credit repair scams designed to take your money without actually helping your credit.
If you're receiving constant calls or threatening letters from a debt collector, you're likely feeling overwhelmed and frustrated. The good news is that under the Fair Debt Collection Practices Act (FDCPA), you have the right to put a stop to debt collection harassment. One powerful tool at your disposal is a Cease and Desist Letter.