Additional Debt Services Available
If you are in need of additional debt help during your process click on the link below to receive a free consultation.
http://www.curadebt.com


Consumer Protection

The facts consumers need to know about Debt Collectors.  Understand your protection rights.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.pdf

New Bankruptcy Law

A website explaining the new bankruptcy law and what effects it has on the consumer.

http://bankruptcy.findlaw.com/new-bankruptcy-law/

Why is America in so much Debt?
An important article concerning credit card debt.
http://www.msnbc.msn.com/id/12306509/site/newsweek/
 

CAMCO To Pay $1 Million to Settle Unfair, Deceptive Collection Practices
The settlement bans the companies from engaging in any future debt collection activities
http://www.ftc.gov/opa/2006/12/camco.htm

Debt XS fined by State Attorney General against Chase Bank
DebtXS of Dallas used tactics to conceal fees for debt reduction and payoffs with creditors
http://www.oag.state.tx.us/oagnews/release.php?id=1729
 

FTC Stops Nationwide Debt Negotiation Scheme
Federal judge has issued a temporary restraining order against a nationwide operation that claimed it could reduce consumers’ debt by up to 60 percent, leading many people into financial ruin and bankruptcy.
http://www.ftc.gov/opa/2006/09/nationwide.htm
 

AmeriDebt Sued For Fraud

Agency Alleges that “Credit Counseling” Firm Misrepresents Costs and Nature of Its Services.

http://www.ftc.gov/opa/2003/11/ameridebt.htm

The Federal Trade Commission today put a successful end to the largest case against deceptive credit counseling and debt management brought by the agency.

http://www.ftc.gov/opa/2006/01/andrispukke.htm

Cambridge Credit Counseling Corp. refunds $250,000 in overcharges
Refunds of $250,000 to hundreds of West Virginia consumers who were overcharged for the company's services.
http://www.consumeraffairs.com/news04/2006/06/wv_cambridge.html
 

General Debt Information
Understanding the basics of debt settlement, debt negotiation, and debt consolidation will help you to determine the best course of action for your situation.  A useful overview concerning your legal rights with specific links to federal code and state statutes.

http://www.law.cornell.edu/wex/index.php/Debtor_and_creditor

Credit Cards Without Late Fees? What You Don't Know Can Hurt You
Americans know all too well how much it costs to use credit cards. The average household in the U.S. now has nearly $10,000 in credit card debt.
http://www.articlecity.com/articles/business_and_finance/article_4275.shtml
 

Credit card companies are doubling their minimum payments
Due to the overwhelming amount of credit card debt, credit card companies are doing whatever they can to collect payment.
http://www.bankrate.com/brm/news/debt/20050503a1.asp

Good Debt Vs. Bad Debt
The amount of personal debt in this country is ever-increasing and a large part of the reason is that credit has never been easier to get.
http://www.bankrate.com/brm/news/cc/20040806e1.asp?rss=1

Credit and Your Consumer Rights 
You have rights as a consumer to take specific actions towards your credit standing. Remember, if you don't know your rights, then you have none.
http://www.ftc.gov/bcp/conline/pubs/credit/crdright.htm 

Getting Credit: What You Need to Know About Credit 
Having problems establishing your credit record? Do you really know what it means to have a credit record? Find out here.
http://www.ftc.gov/bcp/conline/pubs/credit/gettingcredit.htm

Eight Things A Credit Card User Should Know

Most Americans have at least one credit card, but how many really know when their interest rate can be raised, how much interest they can legally be charged, and why credit card companies raise rates?

http://credit.about.com/od/credit101/tp/8thingsrecards.htm

Man Has Largest Credit Card Debt with 1,497 Credit Cards 
Please don't let this happen to you. There are better ways to get into the Guinness Book Of World Records.
http://www.abcnews.go.com/GMA/WaterCooler/story?id=411883&page=1

Debt Settlement Process Available in the following states 
The states below are attorney driven states that only allow attorneys to settle debt on your credit card.  With the ADS Debt Settlement Solution you can learn how to get out of debt on your own and not have to hire an attorney.  Below is a list of these states:
 

CO – Colorado
OR – Oregon
WI – Wisconsin
WV – West Virginia

DC – Washington DC
GA - Georgia
HI - Hawaii
IA - Iowa
ID - Idaho
KS - Kansas
KY - Kentucky
ME - Maine
MN - Minnesota
MS - Mississippi
NC – North Carolina
NJ – New Jersey
NV - Nevada
OH - Ohio
PA – Pennsylvania
SC – South Carolina
TN - Tennessee
UT - Utah
VT - Vermont
VA - Virginia
WA - Washington
WY – Wyoming

Click on the Debt Calculator Below

to see what debt category you fall under.