We have all seen the commercials, settle your for debt for 50% on the dollar of what you owe. Have you considered hiring a debt settlement company to help you lower your debt? This bad credit counseling because there’s a lot debt settlement companies don’t tell you or you wouldn’t sign up. Hence, bad credit [...]

The following restrictions apply to collection agencies under federal law and to all bill collectors under California law. Collectors CAN: · Contact you by phone between 8:00 a.m. and 9:00 p.m. · Contact you initially by phone but within five days must provide you with a letter that reflects the amount of the original debt, [...]