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Sometimes this means showing you how to communicate effectively with your creditors to gain their cooperation during a difficult time, providing advice about consolidation loans, or explaining what to look for as you consider other options.Speaking with one of our Counsellors doesn’t obligate you to anything. A debt settlement means that you pay back part of what you owe.The FDCPA does not cover debts incurred in running a business.Within five days after a debt collector first contacts you, the collector must send you a written notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you do not owe the money.A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act.From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.

If you prefer to resolve your situation on your own, we’re happy to provide you with guidance and information so that you know what to do.As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.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. You might only be a few months behind on your bills, or you might be so far behind that you don’t even open your bills anymore.Whatever your situation, we have experienced, caring Counsellors ready to give you guidance and solutions that will work for you.