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Category: Budget & Debts

A Debt Verification Letter Sample

Debt verification is the right of every consumer.  Under various state and federal laws, consumers have right to challenge their creditor or collection agency to provide proof that a debt exists and proof that the person requesting payment of the debt has the authority to do so.  If a debt […]

Keep the Property Related to Secured Debt

Secured debt is debt that is secured by collateral.  Two types of secured debt that are most common are car loans and home loans.  In the event that a borrower defaults on their loan, the lender may repossess the collateral and sell it to cover the cost of the defaulted […]

The Truth in Lending Act

The Truth in Lending Act is a law designed to protect consumers in their attempts to build their credit.  The act, among other things, requires lenders to fully disclose all terms and costs involved with a loan to potential borrowers.  Prior to the Truth in Lending Act, it was common […]

Zombie Debt

Zombie debt describes a debt that was once settled but has been revived by collection agencies.  This can happen for a number of reasons, but in some cases, the reasons are nothing more than illegal and unethical practices by collection agencies.  Zombie debt can be created when a collection agency illegally attempts to […]