Credit Card Balance Transfers: The Secret To Transferring a Balance Without Pain

11/30/2009

Do you have a pile of Credit Card Debt that you’re trying to get rid of? If so, you may have considered a Balance Transfer to another Card.

Have you considered a Balance Transfer, but are concerned about getting the Balance Transfer wrong?  If so, keep reading today’s post, as Debt Warriors share a valuable secret to prevent the pain that can come with a Balance Transfer gone wrong.

PROMO VS STANDARD APR

Promotional vs. Standard APR

Know The Standard A.P.R.

Many people get into Credit Card Debt trouble by not knowing what the ‘Standard APR’ is after the Promotional Rate ends.

You may have heard of ‘Teaser Rates’ for Mortgages.  Well, the same applies for Credit Cards.

Many Credit Cards offer ‘Promotional Interest Rates’.

Often these Promotional Rates range from 0% up to 9.99%.  In addition, often the Promotional Rates (just like any other Promotion) only lasts for a certain amount of time (generally six months to one year).

After the Promotional Rate ends, the Standard Rate kicks in.  As you can see from the chart, the Standard APR can be anywhere from 10% all the way up to 16% (sometimes higher).

Many Credit Card Holders are shocked when they realize that the Promotional (“Teaser”) APR is now much higher than they’d imagined.  That is because most people don’t know what the Standard A.P.R. will be once the Promotional Rate ends.

To avoid this happening to you when you do a Balance Transfer to another Credit Card, make sure that you at least understand the “range” of what the Standard A.P.R. will be before you accept the Credit Card that you intend to transfer the balance to.

Debt Warriors cover exactly how to properly do a Balance Transfer in our Credit Card Medic Video Course. In one easy to understand video tutorial, you’ll be able avoid the pain that so many face when looking to do a Balance Transfer from one Credit Card to another.

Now there is no need to worry about transferring a balance to another Credit Card.  The Credit Card Medic Video Course takes all of the worry out of reducing your Credit Card Debt for yourself :)

To learn more about the Credit Card Medic Debt Reduction Video Tutorial click here.

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Posted by J. Carlton Ford

Legal Robbery By Lawsuit: How Debt Collection Law Firm’s Can Cheat You

11/28/2009

Have you ever heard of  the Debt Collection Law Firm, “Pressler and Pressler”? If not, beware and  on guard if they contact you.

About two years ago one of Debt Warriors YOUTUBE Subscribers sent us a message asking us to “do some videos on Pressler and Pressler”.  Below is a video of a MY9 NEWS  investigation of Pressler and Pressler.

New York Times Exposes Law Firm’s Irresponsible Court Tactics

This week, The New York Times reported the story of  Mr. Mark Hoyte of New York, NY.  Pressler and Pressler claimed that Mr. Hoyte owed $919 for a Credit Card Debt.  The problem was that Mr. Hoyte was the wrong Mark Hoyte.

Pressler and Pressler had contacted the wrong person, yet were intent on collecting money this Mark Hoyte did not owe.  Pressler and Pressler had the wrong:

  • Social Security Number
  • Birthdate
  • Person

This situation would be hillarious if  it were not so serious.  Pressler and Pressler filed a Law Suit against Mark Hoyte, even after Mr. Hoyte told them that the Law Firm had the wrong man.

The New York Times Investigation of  Mark Hoyte’s claim uncovered what Debt Warriors have been saying for years.  Debt Warriors have been warning people,

Debt Collection Terrorist are usually Junk Debt Buyers who often retain Law Firms to harass, threaten and intimidate Consumers into paying debts that the Consumer’s often don’t owe.

Once the Debt Collection Terrorist gets their hands on an account the Debt Collector is relentless at collecting the Debt. Often the Consumer (or alleged Debtor) does not owe on the account or does not owe the amount claimed.

Judge Noach Dear

The Honorable Judge Noach Dear (New York)

Mr. Hoyte was lucky in that he had an Ally.  Judge Noach Dear (pictured right), was wise enough to realize that Mr. Hoyte was not the person who owed the Debt.

Judge Dear was about to dismiss the case until he realized that Mr. Hoyte had taken a day off from work to defend himself against Pressler and Pressler’s false allegations.

Judge Dear ordered Pressler and Pressler to pay Mr. Hoyte $115 in lost wages for having to take the day off to go to Court. The Lawyer representing Pressler and Pressler grilled Mr. Hoyte as to why Mr. Hoyte did not prove that he didn’t owe the Debt.

Mr. Hoyte responded that he told the woman who contacted him that “they had the wrong man”.

OPERATION ONE: Stop Debt Collector Harassment

Stop Debt Collection Law Firm Harassment: Order Your Debt Warriors Arsenal

This is why Debt Warriors have produced Operation One, “Stop Debt Collector Harassment”.

Telling a Debt Collection Terrorist that you don’t owe the Debt will not stop them from harassing Consumers.

It’s up to the Consumer to Validate the Debt.  In Operation One, Debt Warriors take you through the tried, tested, and true step of Debt Validation.

You don’t have to wait in fear to be sued for a Debt that you may not owe.

Operation One, Stop Debt Collector Harassment will take you step-by-step through Debt Validation in one easy to watch and follow video course.

Learn how to stop a Debt Collection Law Firm from robbing you over a questionable Debt. Order Operation One: Stop Debt Collector Harassment.

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Posted by J. Carlton Ford

Beware Of Credit Card Binding Mandatory Arbitration Clauses

11/24/2009

What is Binding Mandatory Arbitration “BMA?

Civil Justice Group, People Over Profits, www.PeopleOverProfits.com defines BMA as “Tricking People Out of the Right to a Trial by Jury”.

What does this have to do with Credit Card Debt?

BMA Clauses are in many Credit Card Contracts, as well as Auto Loans, Cell Phones, employment contracts, Mortgages, contractor agreements.

A BMA Clause requires that any disputes that arise will be resolved via 3rd Party Arbitration.  On the surface BMA seems like a win/win. It’s really a lose / win – YOU LOSE and the Creditors win. o 86% of the time the Arbiter, takes the side of the business over the consumer.

How does a  BMA Clause Work?

Businesses hire these Arbitration Companies. Next the business will place a BMA into their contracts. If you sign that contract, you just gave up all right to have your day in court. In many cases, you also give up your rights to joining a class action Lawsuit.

For example; let’s say you were cheated by Credit Card Company.  Let’s say they, overcharged you, and double-billed you.  If your contract with the Creditor has a Mandatory Arbitration Clause, you have given up your right to a fair trial by Jury. You have to accept whatever the Arbiter decides.

Word to the wise, please beware of BMA Clauses?


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Posted by J. Carlton Ford

4 Reasons Why Do It Yourself Credit And Debt Management Can’t Hurt Consumers

11/19/2009

Fear grips people who are in debt and it’s understandable.

There are so many unknowns with Credit and Debt. The biggest questions involve Legal Aspects of Debt like, “CAN a person be sued by the Debt Terrorist in COURT?“

The Short Answer: Absolutely! The long answer is you CAN be taken to Court by a Creditor or Debt Collection Lawyer. But win, loose or settle is largely up to you – the Debtor. The out-come is largely up to the Debtor.

For this reason DEBT WARRIORS™ suggest that Consumers settle their debt for themselves.

It can’t (as in WON’T) hurt you to learn Credit and Debt management – for yourself.  But for all you “Details” people out there, below  are 4 reasons WHY “Do it yourself  Credit and Debt Management  CAN’T hurt you:

[Done right] Do it YOURSELF Debt Settlement and Credit Repair is; Safe, Effective, Legal and Responsible. Below are some follow up facts:

  1. Do it Yourself Debt Settlement is SAFE. In fact, it’s the ONLY method recommended by the Federal Trade Commission [FTC] for Debt Settlement. This fact alone should tell you how safe debt settlement is.
  2. Settling YOUR Debt and repairing your Credit is the most EFFECTIVE Method Hands down. Settling your Debt and Repairing your own Credit keeps you in control, arms you with life-long education, substantially saves you MORE time, money and stress.
  3. Do it yourself Debt Settlement is LEGAL. The Credit Repair Organizations Act is a Law specifically enacted to protect Consumers from fraudulent and illegal practices of “Credit Repair Organizations. Millions of “suckers” have been licked down to the stick by slick talkers, intent on taking as much from the Consumer as they can.

    Case in point: The FTC Reports  “Debt Meltdown Program’ Marketers Settle with FTC; Charged with Failing to Deliver Promised Debt Reduction Services“. There are many types of these companies around. They often have sales people who, will tell you anything for a dollar. It’s more responsible to educate yourself and take action for yourself.

  4. The most RESPONSIBLE thing you can do is educate YOURSELF on the process of Do it yourself Debt Settlement and Credit Repair. Why? Because ignorance and incompetence is no defense in any U.S. Court of Law. On the other hand you can be your own Financial Hero, and Credit Repair Guru. You’ll rest easier by learning about what to expect, what your rights are and what protections you have (or don’t have).

    In addition, Do It Yourself Credit and Debt Management can save you thousands.  On average, consumers save 50% of their Debt by using Debt Settlement and Debt Consolidation Companies. But everyone who isn’t thinking erratically, can see that paying 15% of (your TOTAL DEBT) trying to get out of Debt doesn’t make ANY sense.DIY Credit and Debt Management can save you 40% – 60% of your TOTAL Debt – which can equal thousands. Your results may vary, but the most common denominator  is you CAN save time, money, stress while by educating yourself.  Debt Warriors will be honored to teach you how to do Credit and Debt Management – for yourself :)

DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice.
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Leave a Comment » | 4 reasons to settle YOUR debt yourself, Debt Warriors, Do it yourself Credit Repair, Do it yourself debt settlement | Tagged: , , , , , | Permalink
Posted by J. Carlton Ford

DIY Credit Repair: Top 4 Myths About Credit Bureaus

11/18/2009

Myth #1. The BIG 3 CREDIT BUREAUS [Big 3 CB's] are Government Agencies.  Not true!
The BIG 3 CB’s are Equifax, Experian and Transunion.  And they are privately owned businesses.
I repeat, the Big 3 Credit Bureaus are  NOT U.S. Government Agencies.
Many people fear the Credit Bureaus as much as they do the I.R.S. But understanding that the BIG 3 CB’s earn their money by selling your information to other businesses,  should help you gain the confidence to contact them like you would any other Business.
Myth #2: The BIG 3 CB’s are unregulated, so they can do what they want. This is False!. Credit Bureaus have to adhere to many U.S. Federal Laws. In addition there are many Laws that protect you, the consumer from unfair practices or inaccurate  information being listed on your Credit Report.

Myth #3 You have the right to “REMOVE” negative and ‘accurate’ information from your Credit Report.

No, you don’t. Don’t confuse negative ‘inaccurate’ information with negative ‘accurate’ information.  If the information on your Credit Report is deemed ‘accurate’, that info can stay on your Credit Report for up to 7 years.

Although you have the right to file a dispute, the question becomes when should you file a Credit Dispute.

Myth #4, FICO Scores range as high as they can go. Not true. FAIR ISSAC COMPANY (FICO) Scores range from around 350 to 850. Anything around 500 is considered a HIGH RISK while 650 or higher is  a LOW to MODERATE Risk.

The BIG 3 CB’s use your information as reported to FICO (another business – not a Governmental Agency. The BIG 3 CB’s determine your Credit Worthiness based, primarily,  on your personal information stored in the FICO Data Base.

Trust me, these are just 4 of hundreds of myths surrounding Do it yourself Credit Repair.

Learn How To Safely Dispute and Repair Your Credit For Yourself

Discover how to safely dispute and repair your Credit for yourself!

If you want to repair your Credit for YOURSELF in a safe, legal, reliable and responsible way, we invite you to purchase Operation 3 (self-help) Credit Repair included in the DEBT WARRIORS ARSENAL.

In Operation Credit Repair Debt Warriors show you:

  • How to locate all false information on your Credit Report!
  • How to properly file a Credit Dispute without it being ignored as ‘frivolous’ by the Big 3 Credit Bureaus!
  • How to successfully get a written response within 10 days!
  • How to have negative and inaccurate information deleted within 30 business days!

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DEBT WARRIORS™ are not Attorneys. The information on this blog, should not be considered legal advice.

1 Comment | 4 Myths about the big 3 Credit Bureaus, Do it yourself Credit Repair, Equifax, Experian, TransUnion | Tagged: , , , , , , , , | Permalink
Posted by J. Carlton Ford

DIY Credit Repair: How To Eliminate The Intimidation and Confusion

11/17/2009

Do you have trouble reading your Credit Report?

 

Learn How To Safely Dispute and Repair Your Credit For Yourself

Discover how to safely dispute and repair your Credit for yourself!

Do your eyes cross in confusion while trying to understand the information listed on your Credit Report?

Reading a Credit Report can be intimidating and confusing, especially if you don’t know what you’re looking for.

 

What if you could cut through all the Credit Report confusion?

What if you could look at your Credit Report and immediately see what needs to be fixed?

In “Operation Three Credit Repair” (Video Tutorial), Debt Warriors make repairing your Credit (for yourself) as easy as 1-2-3. Debt Warriors provide the information about “do it yourself Credit Repair” that removes the intimidation factor.

There are greedy “do for you” Credit Repair Companies who will charge you anywhere from $50 to $200 per “Trade-line”.  And what do they offer for their hefty fee’s?  They offer more intimidation.  Do it for you Credit Repair Companies will take your fear all the way to the Bank.

On the other hand, Debt Warriors offer you a life-time of Credit Repair knowledge for only a one-time fee.  Operation Credit Repair will help you eliminate the confusion and repair your Credit with confidence.

It’s a little known fact that the Federal Trade Commission (FTC) suggests that “self-help” may be best for those seeking to repair their Credit.  But what the FTC doesn’t tell you about is some of the tricks and traps that Consumers often encounter while trying to repair their Credit Reports.

For example, the FTC doesn’t tell Consumers that filing a dispute in the wrong way can lead the big three Credit Bureaus to ‘red-flag’ a complaint as “Frivolous”.  So how do you avoid having your complaint flagged as frivolous?

Order Operation (Self-help) Credit Repair (located in the Debt Warriors Arsenal)

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Posted by J. Carlton Ford

Debt Management: Top 3 Debt Collection Scams And How To Avoid Them

11/16/2009

Federal Trade Commission Claims Debt Collection Complaints are on the Rise

FTC Top 3 Debt Collection Complaints.

1. Falsely stating the Character, Status and Amount of Debt

2. Multiple Calls (often from different numbers)

3. Refusing to send written notice

ABC NEWS 15 REPORTS (DEBT COLLECTORS DIRTY TRICKS)

ABC NEWS Reports Shocking Rise In Collection Complaints

 

According to ABC NEWS 15, NCO Financial is one of the leading Debt Collectors  in the United States.  Debt Warriors have battled NCO Financial (Collections) for our Clients. – with major victories.

When a Debt Collector calls it may be a Scam.

Most times, when a Debt Collector calls, they are hoping to scam the Consumer.  Debt Collectors will lie, cheat and steal from anyone to meet their Collection Quota for that month.

It does not matter if the “Debt Collection Terrorist” has their facts correct.  The facts are often an inconvenient truth for a Debt Terrorist.

How to Avoid a Debt Collection Scam.

1. Hang up the Phone.

It’s not against the law to hang up on a Debt Collector.  If the Collection Agency respects your Rights they will send you a notice of their intent to collect in writing.

Before talking to a Debt Collector, you should know if the Debt Collector even has the Right to call you to collect on the Debt.  Just say, “put in writing” then hang up the phone.

2. Fight Back! Validate.

Debt Terrorist are desperate Vultures.  Debt Terrorist are willing to make a quick buck off of your financial misfortune.   Don’t allow these scum-bags to defeat you.  Instead, fight back.  “Validate” the Debt.

In Operation One, “Stop Debt Collector Harassment”, Debt Warriors take you step-by-step to Validating the Debt that’s in the hands of a Debt Collection Terrorist.

Please be warned? Many people in the Media are suggesting that a Consumer “Verify” the account.  Verifying and Validating are two different things.  Don’t settle for a Verification, it’s usually just a print-out of the record that the Debt Collector sent to the Credit Bureau’s. Instead Validate the Debt.

The Debt Warriors Arsenal, Video Tutorial shows you how to Validate the Debt like an expert :)

Leave a Comment » | Debt Collector Harassment, Debt Collector threats, Debt Management, Debt collection phone calls | Tagged: , , , , , | Permalink
Posted by J. Carlton Ford

Top 5 Common, Correctable Middle-Class Financial Mistakes

11/15/2009

What are the Top 5 Common Middle-Class Financial Mistakes?

1. Lack of Basic Financial Education.
2. Miss-Calculation of Fees, Charges and Conditions.
3. Failing to Correct Mistakes in a Timely Manner.
4. Failure to Obtain Proper Disclosure from Creditors.
5. Trusting but not Verifying.

Why are they important to know? Because everyday, scores of intelligent and responsible Middle-Class Americans are seduced by the sweet kiss of Credit and subsequently, smacked by Credit’s ugly twin Debt.

If you’re in Debt, beware of The Top 5 Common Middle-Class Financial Mistakes that lead to Financial Failure. These mistakes lurk in Blind-spots of Credit Accounts. Financial Mistakes are (often) purposely hidden or overlooked by Creditors and Debtors. But they are sure to make financial failure a reality – if not corrected. Please let me be clear and not cute, these 5 common Financial Mistakes can easily lead Middle-Class Americans into financial failure.

What Can Middle-Class Americans do to Correct these 5 Common Financial Mistakes Once Made?

First, get financially educated.

To win the initial stages of War every Middle-Class American must arm themselves with Credit and Debt Intelligence. I’m happy to announce that DEBT WARRIORS have most of the bases covered on this one.

Debt Warriors  explain the often treacherous:

  • “Battlefield of Debt”,
  • “The 30 Day “Rule of Debt Collections”.
  • How to get your Government Sponsored Credit Report free every 12 months.

Watch DEBT WARRIORS!™ Credit Boot-Camp Video’s here.

Second, re-calculate miscellaneous fees, charges, and taxes into your budget.

Miss-Calculation of fees, and charges are second in the most common mistakes that Middle-Class Americans make with their finances all the time. For example, Bank Account fee’s can float around until the end of the month when they silently sneak up and sting. Taxes and surcharges are often overlooked as well. Like the cell phone plan’s with service fees, taxes and charges.

To re-calculate miscellaneous expenses for Service Bills (cell phones, Internet service, utility bills etc.) , take your last 3 billing statements from each, and calculate the average payment per month (with taxes and fees).

To re-calculate monthly Bank Fee’s, find out what, how much, and when you can expect to be charged. For example, some Banks require you to have at least $250 dollars in your checking and or saving accounts each month or be subject to fee’s. Cal your bank and ask a human what fee’s are charged, and when you can expect to be billed.

Third, Correct Mistakes in a Timely Manner.

Abraham Lincoln was found of sleeping on the stunning choices he had to make. But Honest Abe didn’t live in a Global Economy like today’s.

For example, did you know that the “Fair Credit Billing Act“makes it vital for a Consumer to seek to correct a Credit Card or billing error within 30 days of the error?

Are you wondering what to expect if you miss a payment? We explain the “30 Day Rule of Collections” in one of our Credit Boot-Camp Videos. This information can be a timely and valuable debt related stress reliever.

Fourth, be diligent in obtaining disclosures.


Failing to obtain honest and understandable disclosures of Terms and Conditions for Credit are what triggers Debt. This is undoubtedly one of the biggest mistakes that Middle-Class American Consumers make regularly.

The Economic Meltdown has shown how lack of total Disclosure can lead to financial failure. For example “Teaser Rates” on Lines of Credit for Mortgages and Credit Cards). Teaser (Promotional) Rates have been sold to millions of American Consumers over at least the last 4 years.

Many Americans made the mistake of not fully calculating and estimating the results of hidden terms and fees for Mortgages. To avoid or correct this mistake, review the Terms and Conditions of every contract that requires you to pay any money.

If reading Legal Disclosures makes your brain swirl like the Beast dancing with Belle at the Ball, consider getting an experienced Attorney with Services. I personally have any contracts or agreements (regarding money) that I intend to sign, reviewed by my PPL Provider Law-Firm.
Fifth, don’t trust – Verify!

President Ronald Reagan was fond of saying “trust but verify”. What a crock! The Financial Markets are unregulated so buyer beware.

 

Banks (which are barely regulated) are suspected of floating and bouncing Account Holder’s checks all the time. Don’t take just anybodies word for anything co-finance related. Instead Verify all loan promises in writing.

The good news is that these 5 Common Middle Class Financial mistakes are avoidable and correctable.
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DEBT WARRIORS™ are not Attorneys. WE ARE experienced Debt Management Coaches. The information on this blog, should not be considered legal advice, but helpful information.
Don’t let debt defeat you! Win Your War ON DEBT!

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Leave a Comment » | 30 Day Rule of Collections, Battlefield of Debt, Credit Boot-camp, Credit Card Debt Help, Credit Intelligence, Debt Management, Financial Education, debt intelligence | Tagged: , , , , | Permalink
Posted by J. Carlton Ford

Credit Card Statue Of Limitations:3 Sure-Fire Tactics To Halt A Debt Scam

11/13/2009

The Tulsa Word News Warns: “Schemer’s Revive Dead Debts”

“A collection agency has been contacting people in the Tulsa area demanding payment on credit card accounts that sometimes have been delinquent for decades, even though Oklahoma’s statute of limitations on consumer debt is five years.”  ~ Tulsa World, November 11, 2009

Debt Warriors know that a ” Junk-Debt Buyer (JDB)” wades in the financial sewer scavenging for old Debts that have passed the Statue of Limitations for Debt Collection.  A JDB can easily  obtain your personal information from the Big 3 Credit Bureaus.

If you have any old unpaid accounts (or questionable) accounts on your Credit Report,  it’s very likely you’ll get a letter from a JDB trying to collect or offer you a settlement on it.

You may have heard Debt Warriors tell you about Tammy.  Tammy was a hard-working but still poor Woman.  She lived on one of  the meanest streets of  East Philadelphia.

One day, on the way to work Tammy called me at the Bankruptcy Law Firm.  I could hear she was outraged.  She was running late because she was arguing with a JDB about a Debt, that had long passed the Statue of Limitations for collection.

Tammy was outraged because she was still being harassed even though she had retained a Law Firm.  Tammy knew the JDB was violating her rights. The nasty truth is, sometimes even when a Consumer has retained an Attorney, a JDB “Debt Terrorist” will try to get the Consumer to agree to making a payment.

3 Sure-Fire Secrets To Halt A Statue Of  Limitations Debt Scam

Many people ask me if it is illegal to collect a Debt that has passed the Statue of Limitations?  Although Debt Warriors are not Attorneys, it doesn’t take an Attorney to know that a JDB can still hound a Consumer (Debtor) forever, in an attempt to collect the Debt.  For that reason, it’s up to the Consumer to enforce their rights.

Below are 3 sure-fire tactics to halt a SOL Debt Scam :) .

1. Validate The Account

To Learn more about Operation One: Stop Debt Collector Harassment (Video Course) Click Here

Halt Debt Collector Harassment - click here

Under the Fair Debt Collections Practices Act, every Consumer has the Right to have the Debt Validated before paying a red cent to any 3rd Party JDB!

When it comes to old Credit Card Debt there are many JDB’s who will not only claim you owe them money but also add “administrative fees” to the account.  For this reason it’s best to validate the Debt as the first step.

In Operation One, “Stop Debt Collector Harassment“, Debt Warriors take you step-by-step through validating the Debt.

You’ll learn how to halt the intimidating phone calls from the Debt Collection, Junk Debt Buying Terrorist.

Click here to learn more about Operation One, “Stop Debt Collector Harassment.

2. Check the Statute Of Limitations In Your State.

To Become An Expert On The Statue Of Limitations Order Operation Two

Get Bonus Statue of Limitations Guide When You Order

Did you know that the Statue of Limitations for collection is dependent on a few (largely unknown) factors?  Because of this there are a number of myths surronding the Statue Of Limitations for Collection accounts.

One myth is that after the Statue Of Limitations has expired, the Debtor is free of harassment.

This myth and others are busted in Operation Two “Time-Check”!

You’ll learn how the Statue Of Limitations for Debt Collection works and how to engage the JDB armed with knowledge and confidence.

Please don’t be make Tammys’ mistake and Legally Re-age the account for years?

Discover how to safely communicate with the JDB and get them off your back, in Operation Two (located in the Debt Warriors Arsenal).

To Learn more and order Operation Two, “Time-Check”, click here.

Learn How To Safely Dispute and Repair Your Credit For Yourself

Discover how to safely dispute and repair your Credit for yourself!

3. Dispute The Account With the Big Three Credit Bureaus.

As the Tulsa News reported, JDB’s often borrow dead accounts from the Credit Bureaus.  Once the JDB has your information most often their first step is to then “list” the Debt (in question) as owed to them.

Even when the JDB has no Right to collect the Debt, they can make you appear to be a dead-beat by listing negative trash  on your Credit Report.

Sadly the Credit Bureaus won’t care until you make them care.  That is why the third step is usually to file a formal dispute with the Big Three Credit Bureaus.

 

Did you know that many Credit Disputes get flagged as “Frivolous”? That is why it is so important to watch Operation Three before you even consider a Dispute.

In Operation Three “(Self-Help) Credit Repair“, Debt Warriors teach you the proven processes to Disputing an account.

Operation (Self-Help) Credit Repair will show you how to get negative inaccurate information off  your Credit Report. After watching Operation Three, you be informed and avoid getting your dispute flagged as frivolous.  And you’ll save  months of trial and error Credit Dispute headaches.

Discover the right way to file your dispute the first time around :)

To learn how to repair your credit – for yourself, consider Operation Three “(Self-Help) Credit Repair – click here.

Leave a Comment » | Debt Validation | Tagged: , , , , , , , , , | Permalink
Posted by J. Carlton Ford

The Soldiers And Sailors ACT: An Active Duty Service Members Weapon Against Debt Distress

11/11/2009
Debt Warriors Honor Veterans

Debt Warriors Honor Veterans

Did you know “The Soldiers and Sailors Civil Relief ACT of 1940 (SCRA)”  is a Financial Weapon for Active Duty Service Members?

To his Credit, President George W. Bush signed the SCRA in 2004.

About.com does a honorable job explaining the protections provided by the SCRA.

Leave a Comment » | Debt Management, Evictions, Soldiers’ and Sailors’ Civil Relief Act, foreclosure prevention | Tagged: | Permalink
Posted by J. Carlton Ford

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