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But you should first consider other debt management options.
Bankruptcy information stays on a credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or sometimes get a job.
A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.
The resulting unified body assumes the responsibilities of both the city and the county.
Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.
This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
The rationale for consolidation is to address certain government challenges.
Consolidations have the potential to do the following: Produce cost savings.But you should first consult a qualified credit counselor.You may be able to lower your cost of credit by consolidating your debt through a home equity loan or home equity line of credit.Consolidation means that your various debts, such as credit card bills or loan payments, are rolled into one monthly payment.