?Help! I?ve Fallen Into Deep Debt ? And I Can?t Get Out!? If that describes you then you need to read this article to learn steps you can take today to help change and improve your financial situation. This article is for those who are in debt crisis mode and need help right now.
If you?ve fallen deep into debt here are some of the most important and valuable resources you can find.
General Consumer Protection Programs
The United States? FTC (Federal Trade Commission) is a value source of information about credit laws and debt laws to protect American consumers. They track consumer complaints across the nation and provide information via online or through the mail. Simply Google for ?FTC.gov/credit? to find their website or call 1-877-FTC-HELP.
State Attorney General offices handle many of the same consumer protection issues as the FTC. Instead of the national level, these focus on state-wide consumer protection issues. Check your local state government?s website to find out more about your state?s Attorney General.
Local Better Business Bureau (BBB) is an excellent source about complaints against specific companies in your local area. Your local BBB may be able to help you investigate local consumer credit counseling organizations before you decide to use them. Google for ?Better Business Bureau? or look it up in your local Yellow Pages.
Consumer?s Union publishes the famous Consumer Reports magazine. Their website (Google for ?Consumer?s Union?) is an excellent source of information about credit and bankruptcy law latest news.
Help With Bill Collectors ? The Troublesome Ones
The FTC enforces Fair Debt Collection rules and regulations. Credit collectors sometimes use unscrupulous methods to collect their money. The FTC keep these people on the ?straight and narrow? ? or shuts them down. Google ?Fair Debt Collection Practices Act? to learn more.
Get A Good Credit Counselor
The National Foundation for Credit Counseling is a great starting place in your search for a credit counselor. You can find for-profit and not-for-profit counseling agencies and counselors. Google for ?Nfcc.org? to find their website.
The FTC has a great publication about choosing a credit counselor here: ?FTC Facts for Consumers, Choosing a Credit Counselor?.
Here are some good questions to ask a potential credit counselor: ?What services do you offer? Please show my your educational materials. Are they free and can I access them online? Do you help in developing a budget plan for the future? What are your fees? Will I have a contract with you? How do you make your money? What are your qualifications? How does your debt payment plan work? What do you do about my protected private information?
Three Major Credit Bureaus
These companies maintain a huge database of all loan and credit transactions. For a small fee they will send you a copy of your current file. The big three are Experian, EquiFax and TransUnion. Simply Google for those names you will quickly find information about them.
Summary
Getting out debt is a top priority for most of us these days. Take action today using the resources listed in this article. You can begin your journey to financial success right now. Good luck to you!
About the Author
Jonathan is a former math, social studies and economics school teacher who has been writing articles and teaching people for many years. You can visit his latest website at http://pooltablesforsalenow.org which helps people find pool tables for sale for their needs.
Source: http://www.mosley2010.com/archives/558
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