Debt Consolidation Made Easy

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You pay less and in a shorter time with Debt Consolidation Programs. These companys provide the free service to help put you back on track and gain the upper hand in what can seem like an endless drowning in debt from various sources in your life. Free with No Obligation.

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Debt Consolidation Made Easy

This site provides general guidance and information. It is not intended as, nor should it be taken  to be, legal, financial or other professional advice. Please consult with your attorney or financial advisor to discuss any legal or financial issues involved with credit decisions. This site as an affiliate represents the following sites above and is not responsible for their content.

Debt Consolidation Definition How it works Benefits Consolidation vs Loans For More Info

Student Loans Eligibility for Student Loans Student Loans Benefits Subsidized Unsubsidized Stafford Federal Perkins Plus Private Lenders Repaying Your Loan Loan Consolidation Loan Deferment Loan Forbearance Credit Cards How Credit Cards Work Credit Card Statistics Credit Card Tips Rates Variable Fixed Introductory Risk Pricing Home Mortgages Home Equity Loans Fixed Rate Mortgages Adjusted Rate Mortgages FHA Mortgages Reasons to Refinance How Much you can Afford Other Debt Management Options Debt Reduction Settlement Credit Counseling Consolidated Loan Title Loan Bankruptcy - Last Resort Management vs. Bankruptcy The Downside of Bankruptcy Process of Filing Chapter 7 Chapter 11 Chapter 13 Consumer Protection Laws Fair Credit Billing Act Fair Credit Reporting Act Fair Debt Collections Practices Act Other More Info From Our Sister Site Resources

Fair Credit Billing Act      Fair Credit Billing Act (FCBA) became effective in 1975. It only applies to open-end credit transactions, such as credit card. Among other things, the act specifies a step-by step procedure for correcting errors. The procedure is as follows: • The consumer must give written notice of a billing error, in a letter, within 60 days of receiving the bill in question. • The creditor must respond within 30 days and resolve the dispute within two billing cycles, but not longer than 90 days. Within 90 days, the creditor must either explain why the bill is correct or correct the error. • During the resolution period no collection activity is permitted on the disputed amount and no finance charges may be collected as well. The account may not be reported as delinquent, nor can it be closed (nor restricted) because of the consumer's failure to pay the disputed amount, and/or related charges. • If the consumer still believes the billing to be in dispute after the resolution period, the consumer must again notify the creditor in writing. During this period, the creditor may not report the account delinquent without also reporting that the amount is in dispute. The creditor must also report to the consumer the name and address of each person to whom the creditor is reporting information about the delinquency. • The creditor must also report how the matter was resolved, to anyone who received a report on the delinquency. • Creditors must include an address on periodic statements to which consumer billing inquiries can be addressed.