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Canceled debt also knows as charged off debt requires a creditor to report the unpaid amount to the IRS. If you've had a debt written off to profit and loss, you will have to add this amount as income on your tax returns. A 1099-C will be mailed to you for unpaid debts over $600.00

​What is the difference between an accord and satisfaction and a restrictive endorsement?  Use this method to deal with collection accounts and charged off debts.

Best practices for rebuilding and repairing your credit using legal methods that get results.

​What happens to your car when you file bankruptcy. Chapter 7 and 13 rules for car loans included in a BK.

Find out your repossession rights and how to protect yourself from illegal repossession and creditor harassment. 

credit repair letters pre-written to handle credit bureau, collection agency, and original creditor issues. These sample credit repair letters come with instructions on when to use and covers many bad credit problems.

step-by-step guide to remove a collection account from your credit reports, either paid or unpaid. Sample letter included.

​Debt management and debt negotiations (settlement) are two very different methods of handling your debts. Debts can be settled or paid over time but knowing the difference is critical to improving your credit.

Debunking credit repair myths and helping you legally fix your credit yourself and fight collection agencies and credit bureaus.

A dismissed bankruptcy and a discharged bankruptcy are not the same. One wipes away your debts legally through the bankruptcy courts while the other does not.

A dismissed bankruptcy and a discharged bankruptcy are not the same. One wipes away your debts legally through the bankruptcy courts while the other does not.

Find out how credit utilization ratios affect your credit and how to have a lower utilization score to increase your credit scores.

Filing for bankruptcy: understanding chapter 7 and 13 along with the bankruptcy process and how reaffirmation and redeeming affect your bankruptcy filing.

​A charge off is a negative account on your credit reports. There's a time limit as to how long a charge off can remain. You can use  the FCRA to dispute a charge off with the credit reporting agencies and the creditor.

Discover the types, causes, and prevention techniques for identity theft. Learn how to protect your personal information and avoid financial losses.

Dealing with a judgment? Learn how to remove it from your public record, dismiss or dispute it or vacate it with a judgment creditor. Money Judgments covered.

Financial advice that you cn put into real life action to save money, pay down debt and improve your credit.

​How long does bad credit last on your credit reports? The FCRA states that negative credit (charge offs, collection accounts) can remain for 7 years.

​A restrictive endorsement can be used effectively to settle collection accounts. A restrictive endorsement is a mix of understanding safe harbor and accord and satisfaction.

Find the statute of limitations for debts, judgments and taxes for all states.  The SOL is a civil code to determine expired debts.

​Student loans both federal and private along with resources and help for rehabilitation and default. Learn how to handle your student loans and repayment.

​The supremacy clause refers to whether a state law rules over a federal law or vice versa. State vs. Federal Rules can  help you determine collection laws and debts.

How the FCRA protects consumers and the information contained in their credit reports with Experian, Equifax and Trans Union.

​HIPAA may protect you when it comes to unpaid medical bills. The HIPAA law protects patient privacy and that includes third party debt collectors accessing your information.

​validation of debt is a method of disputing or negotiating a collection account. Using the FDCPA you can request a collection agency to validate a debt before you pay it.

What is a no-score ” loan, and what are the benefits and downsides of getting one? Understand how no-score loans work.

if you have poor credit or want a lower interest rate its a good idea to borrow from a 401K

Protecting Assets from Lawsuits & Judgments

How to remove a foreclosure on your credit reports: Step by step guide to getting the foreclosure removed.

Financial and credit blogs to help you get answers to the questions you have to improve your financial future.