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There are two main types of personal bankruptcy: A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due.This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them.
But keep in mind, these are secured loans that require you to put up your home as collateral.If you are unable to make payments on time, you could lose your home.To decide if debt consolidation is right for you, contact a credit counseling service accredited with either of these organizations: If you have a problem with a lender concerning debt consolidation, you should first contact the lender.This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.The FDCPA does not cover debts incurred in running a business.Consolidation means that your various debts, such as credit card bills or loan payments, are rolled into one monthly payment.
If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
The Act covers personal, family, and household debts.
Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.
Your state Attorney General’s office can help you find out your rights under your state’s law.
Bankruptcy information stays on a credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or sometimes get a job.