You start searching for credit card debt law when collectors start calling, collection notices arrive in the mail or when you are served with a summons most likely by a Sheriff’s deputy. So far it’s just a few nasty phone calls and some collection notices in the mail but now a man with a gun comes right to your door with legal papers. This is starting to get serious.
Economical. Using postcard as part of your promotional or marketing tool is more economical. Aside from that, you need not worry about using extra envelopes. You do not have to worry as well that your customers will not open it because there is nothing to open. If saving on cost is part of your concern, postcard printing is the way to go.
The body is where the query letter begins to be unique. Most business letters allow for certain flexibility and a certain personal flair. However, certain letters have fallen into a clipped, somewhat impersonal format. collection letter printing, legal letters and query letters. They’re meant to be skimmed and the important information pulled out.
It works best when executed within the first thirty days of your first contact from the CA. You may have seen their “mini-miranda”- you must dispute this debt within 30 days, etc… found on most Collection Notices. What you didn’t know, is that if you request validation (I have a system for doing so) and the collection agencies don’t respond at all or don’t respond properly, you get to hit them with penalties under the FDCPA. Each time they mess up, it’s $1,000 per violation. They could literally owe you more in penalties than you owed on the account. Take that, you sinister CAs!
The third step to creating a successful budget is knowing how much you need to live. A need is something you can not live with out, such as water and toilet paper. A want is things you can live without like a new piece of furniture or a candy bar. Take a look at past receipts to get a good idea of what you need to live and how much it costs.
Advertising with bulk e-Print and mail services (companies who will send an e-mail advertisement to persons listed on an e-mail address lead list for you). “Bounce back” e-mailing (sending an e-mail advertisement in reply to an e-mail advertisement that was sent to you).
You can start with your monthly planning by summing up how much of you salary you will end up with at the end of the month. Organize your bills, if possible, make partial payments so you don’t have them increasing and then pay the entire amount. Set a budget for your weekly groceries, and your kids’ shopping, such as school supplies and lunch money etc.
If you owe debt, deal with it. After food, shelter and your basic life needs, paying debt should be your next priority. Sitting on debt longer only costs more, closes doors and limits your options in life. Do it on your own, but if you find the balances keep going north and haven’t come down then seek help now. Bankruptcy and Debt Settlement are great options if you owe more then $10,000. Anything less then that is a good candidate for credit counseling. But the bottom line is don’t contemplate doing something about it, eliminate it.
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