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How to Try to Get a Refund From a Debt Relief Company


Here is my definitive guide on how to get out of a scam and git it your best shot at getting your money back. Warning, it will take some work, but it can be effective. “The steps listed in How to Try to Get a Refund From a Debt Relief Company should represent a consumer dropping a “nuclear bomb” on ... Read More »

    Phantom Debts Come Back to Life. It’s Alive!

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    The problem of zombie debts, that’s debts that come back to life, is well known. What is becoming more of a problem is what happens when an old debt has been sold, sold, and sold again. The current debt buyer can’t really prove they own the debt at all. In fact just recently we published an article about this problem. ... Read More »

      How to Get Out of Debt. The Honest and Unvarnished Truth.


      As a student of the history of debt, having lived through debt problems myself, and having founded and run a credit counseling organization I have a very unique view from inside and outside the debt world. If there were mistakes and beliefs to be had, I’ve had them. If there perceptions about debt, they’ve floated through my mind, If there ... Read More »

        FTC Slams the Lid Down on International Identity Theft Ring Hitting Credit and Debit Cards

        At the request of the Federal Trade Commission, a federal court has halted an elaborate international scheme that used identity theft to place more than $10 million in bogus charges on consumers’ credit and debit cards, pending a trial. More than a million consumers were hit with one-time charges of $10 or less, and their payments were routed through dummy ... Read More »

          Fear of Debt Keeps Cancer Survivors From Getting Medical Care

          A published work “Forgoing Medical Care Because of Cost” examines the issues facing cancer survivors in being able to afford continued access to medical care. The study found Cancer treatment may result in financial hardship, and an inability to afford medical copayments, prescription medications, and medical services perceived as nonessential (eg, dental and mental healthcare). In addition, cancer-related employment changes, ... Read More »

            Loan Modification Program Still Limping Along

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            New data released Monday by the Treasury Department shows continued delays and disappointment faced by homeowners in the administration’s mortgage modification program. 190,000 homeowners remain stuck in trial mods that have lasted over six months, still waiting to hear whether they’ll receive a permanent modification. Most of those homeowners will likely be dropped from the program. Even homeowners who’ve successfully ... Read More »

              Most Debt Buyer Lawsuits Foiled By Inability To Prove Debt Owed

              Debt Buyer Palintiffs Failed to Substantiate That a Debt is Owed

              The Municipal Employees Legal Services of New York’s District Council 37 has seen an increasingly startling number of cases cross their desk over the past few years involving cases pertaining to debt buying lawsuits against consumers. Given that these sort of cases have doubled over the past 10 years, they took a special interest into the matter and conducted a ... Read More »

                Damon & Steve Talk About Debt Settlement Bullshit – Get Out of Debt Podcast

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                Here is the latest Get Out of Debt show podcast. Today Damon Day and I got together and picked a topic in the debt relief world and discussed it at length to give you insight into the inside information on this topic. We hope to do this on a regular basis to share with you what we know to help ... Read More »

         Investigative Report. Is it a Scam or Something You Need to Be Afraid Of?

         is a site that provides a service that lists consumers that have initiated a chargeback with one of their participating merchants. This leaves people listed on the database with who may have filed legitimate chargebacks for goods or services, blacklisted without their knowledge. As you will read, there may be a relationship between sites which are alleged to ... Read More »

                    Supreme Court to Hear Case About Chase Bank Raising Interest Rates on Cardholders

                    In October, 2010 the Supreme Court of the United States will hear the case of Chase Bank, NA v. James McCoy which was originally filed in 2006 and has been working its way through the court system having been appealed by Chase Bank, now JPMorgan Chase. This case presents the question of whether the notice requirements of the Truth in ... Read More »

                      Ignoring Debt Until Police Show Up. Is Jail in Your Future?


                      When I first started working in the financial world of helping people with their debts I was told that doing nothing with the debts was an option, not a viable one, but an option nonetheless. A recent article from the StarTribune in Minneapolis, Minnesota showcased what happens to people in Hennepin County, Minnesota who take that very route, ignoring debt. ... Read More »

                        Why Most Debt Settlement Sales People Are The Worst to Ask for Financial Advice

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                        My friend Damon Day did a wonderful video looking at debt settlement recruiting and the skills debt settlement companies target when hiring new representatives. If you get a moment, you can read Damon’s post that accompanies his video here. You can watch Damon’s video below. Get Out of Debt Guy – Twitter, G+, Facebook Need More Help? Read More »

                          Cease and Desist Order Against Vehicle Service Contract Marketers. SafeData Management Services, Consumer Direct Warranty Services, Warranty Administration Services, Warranty Administrative Solutions.

                          California Insurance Commissioner Steve Poizner today filed a cease and desist order against two California men and several corporations for allegedly operating unlicensed insurance companies and using deceptive and illegal telemarketing. Robert Lewis Chapman, James C. Sletner and several corporations they own and manage, including SafeData Management Services, Inc., d.b.a. Consumer Direct Warranty Services, Warranty Administration Services, Inc., and Warranty ... Read More »

                            I Sit Down With a Bankruptcy Attorney and Talk About Filing Bankruptcy – Get Out of Debt Podcast

                            Here is the latest Get Out of Debt podcast. I had the opportunity to sit down with Jeff Jackson, a bankruptcy attorney from Ohio and talked about many different aspects of bankruptcy including: The fear of approaching a bankruptcy attorney. Common questions and concerns when people are considering bankruptcy The benefits of bankruptcy to stop debt collections, lawsuits, and wage ... Read More »

                              Lost Your Home in Foreclosure? You May Be Getting a BIG Bill.

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                              Many people believe that simply because they have lost their home in foreclosure that their financial worries are now behind them. Not so fast bucko. If a lender has taken a loss on a property that was foreclosed on they can go after the consumer for the amount due after the foreclosure. This is why I often suggest that people ... Read More »

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