Things were going great when you borrowed the money you spent on the credit card. You had to buy clothes for the kids, take a short trip, fund all or part of a funeral, or you had to put a down payment on your car and then work slowed down or you lost your job. Then work picked up again or you got your job back or you got a new job. But now, no one will listen to you.
You got your job back, and if you could just get your credit score back to the way it was, you could refinance everything and all your creditors would be paid, or consolidated and everyone would be happy. But no one will listen to you.
And when that happens you feel like your financial life has been poisoned. It’s temporary, like being out of work turned out to be, it was only temporary. You were only out of work for six or eight months, but then you find that your Target card has already been sent to a collection agency. You call and they’re short with you, rude, or even worse sometimes. Sometimes they’re great people who just have a cruddy job and their job is to make your life miserable, like it or not.
It’s too little money to file a bankruptcy on, and too much to just hand them the full balance. What do you do?
Download the Attorney’s Guide to Credit Repair and you’ll have your leverage in hand.
And yes, I do get paid a small commission when you buy it, and yes of course, you should buy it.
Your knowledge that you need of the law and how it can help you will be at your fingertips. You do have options. Options that the collection agencies won’t tell you about. Options that an attorney would charge you much more than you need to pay in order to understand.