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No one wants the phone to ring if it is a debt collector calling. A call of this nature can only mean one thing: A bill is overdue, long overdue. While the knee-jerk reaction may be to run away from the problem, knowing your rights and the proper way to […]

Falling behind on your payments or having a delinquent account can be a very stressful situation for most people. The majority of people want to pay their bills on time, pay their credit cards off, and maintain a good credit score. However, sometimes things that are out of our control […]