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One of the most common misconceptions about credit reports is that a creditor cannot report you if they do not have your social security number. Not only is this false, but it is also more likely than you think that they actually do have your social security number. To help clear the air a [...]
In a perfect world, debt collection situations would always be as simple and straightforward as we believe they will be when we initially agree to terms and extend credit. However, we do not live in a perfect world, and almost every situation that requires a commercial debt collection agency ends up being more complicated [...]
Running a startup can be an overwhelming experience for even the most seasoned business professionals. In almost every case, the founders of a company will eventually have to take on issues that they never imagined they would have to deal with. It is very rare that someone builds a contingency plan for hiring a [...]
When you put someone else in charge of collecting an outstanding debt on your behalf, you need to be sure that you can trust that person. And trust is a very delicate thing, especially in today's high-speed digital environment. There are many levels of establishing trust, but one of the most important for a [...]
The state of Pennsylvania is right in the middle of the road when it comes to the topic of debt collection. Residents here typically fall somewhere around the national averages in terms of outstanding debts, school loans, and mortgages. At the same time, most of the state legislation concerning debt collection serves to reinforce [...]
Debt collection rules and regulations can vary dramatically on a state-by-state basis, and operating in the state of Michigan is certainly no different. Because it is a state that has been ravaged by unemployment, Michigan lawmakers have made a significant effort to protect their residents from predatory collection tactics. However, licensed and reputable collection [...]
One of the most common worries among delinquent debtors is whether or not it is possible for them to end up in jail as a result of their outstanding liabilities. Here in California, the short answer is that this is one possible outcome, but upon further review, you will discover that it only happens [...]
Despite the fact that residents of Ohio have seen significant economic recovery take place since the financial collapse of 2008, the state still lags slightly behind the national average in a number of key areas with respect to outstanding debts. For this reason, there are some additional regulations that anyone attempting to collect an [...]
In recent years, commercial debt collection companies across the country have developed an understanding of what they can and cannot do in their collection practices on account of the Fair Debt Collection Practices Act (FDCPA). However, the FDCPA only applies to debt collection agencies, so creditors who are attempting to collect outstanding debts for [...]
There comes a time in every consumer's life where they realize that they need to improve their credit score in order to qualify for a purchase they want to make. And it is at precisely that point that they realize they need to get that score up in a hurry. If you are one [...]
