NewYork-DebtRelief.com

debt collector advice..cease and desist?

New York Debt Relief — Sat, 04 Sep 2010 18:55:58 +0000

i have a debt from TXU energy..they then forwarded my debt on to a company called NRS. ive paid about 300 dollars off and still owe around 750..i’ve made my payments on time until today when i called and asked for an extension as things are tight for me right now..they started yelling at me and told me to call friends and family and ask for money and told me to go take out a pay day loan and said i better figure it out..so obviously i said no and told them i’d talk to them later….anyhow, they made me so mad i want to just send them a cease and desist letter and they can just send me something in the mail or offer me a settlement..i called txu and it looks like this company is giving txu the money (at least so far) that i pay them..it is, however, NOT txu now, its a debt collector..so my question is whether a cease and desist letter would work and make it to where they have to leave me alone? any advice related to this cease and desist idea is greatly appreciated..

New York Living Will Question?

New York Debt Relief — Sat, 04 Sep 2010 11:19:58 +0000

Hello. My aunt lives in New York. Her husband died leaving 1 daughter. They have been married 7 years. The house & all assets are under HIS name. He was married in the past & the 1st wife died leaving 4 childrern. The will was read & someone, other than family members, is the executor of the will.

If all assets are sold and nothing is left to pay off the remaining debt, my questions are:
1. The surviving wife, is she responsible for the husband debt ? (mortgage, credit cards…)

2. What will happen to the surviving wife? She only has 0.00 in the bank. Will they take that away from her?

3. What happens if she is responsible for the husband debt but has no money, will they put her in jail?

4. Will the creditors take her welfare check or food stamp money to pay off the debt?

Thank you all in advance to help answer this question.

What Is The Best Credit Card Debt Consolidation Company?

Max — Sat, 04 Sep 2010 10:59:59 +0000

Life can be Hell, especially if you are in debt up to your ears, but you just can’t let the stress get to you, and you can’t hide out either and expect the problem to go away. Debt severely affects your life. You cannot get a house, buy a car or get any kind of loan when you are in debt, and living without credit isn’t the solution either. What you need to do is find a good debt consolidation company, one that is caring enough to get you into the right debt consolidation plan.

The right consolidating company is not only going to get you into the plan that ultimately benefits you the most, but also one that is going to give you tips and strategies for budgeting yourself, so that you never find yourself in such a terrible situation. For example, the right consolidating company will show you how to save money, where to look for inexpensive family entertainment, how to start a college fund, and best of all how to stay out of credit card debt.

But a good consolidating company will spend the necessary time going over your particular situation and help you find a solution. They will either give you a repayment plan, help you consolidate, or if necessary help you start the bankruptcy process. They will negotiate your debt with your creditors and help eliminate late charges, penalties and additional interest charges, often lowering your payment by as much as 50%. They will show you where you went wrong and have financial counseling available for those who want to learn better money management. You want to keep in mind that the right consolidating company is interested in more than just making their fee, they actually want to teach society about finances and get people out of debt.

In Conclusion, by researching and then comparing several debt consolidation companies, consumers are able to qualify and determine the company that meet your financial situation properly, moreover, besides the cheapest interest rate the debit consolidation market is offering. For example, see our last debt relief company review: PriorityDebtSettlement Review.

Nevertheless, it is recommendable to work with a trusted and reliable debit counselor before even make any decision, this way you will save time through specialized advise & cash by obtaining the best results in a shorter span of time.

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What Is The Best Debt Settlement Company That Has Proven To Work?

Max — Sat, 04 Sep 2010 10:59:52 +0000

Over the years people have entrusted themselves on the debt consolidation services to clear their arrears. Many people believe that the settlement companies are just sheer scams to rip off people and benefit themselves financially. When banking on the services of these companies it is important to realize that it is a two way process involving you and the service provider. One you need to show the company that indeed you are qualified for their services. They too need to help you choose a package that works for you.

A good and reliable company can actually save you a lot in terms of repaying loans and bills. The companies are aimed at getting an individual back on their feet by eliminating their debts and improving on the credit score. There are various types of debt consolidation companies and both of them work very well. One of them is the one that involves a lawyer, the other one is the debt consolidation with their own legal representation.

Since the companies stand to gain in some way it is important to check the legality of a company. With regard to a client’s situation some companies may take advantage and lure you into enrolling into programs that don’t work for you. On the other hand you can get companies that have your best interest at heart. A company that’s genuine and works for you is a company that has lower rates and a much longer repayment period. It is, however, up to the individual to choose whichever plan they prefer since if one wants to save money in the process of a long term payback plan the interest will keep growing and saving will be difficult. So choose a realistic plan.

A debt consolidation plan in a company that is highly reputable will definitely work for you. To check the credibility of a company do a background check on how long the company has been providing its services. The attorneys that represent the consolidation firms should be qualified and licensed. It is, however, advisable to do a thorough background check on a company before agreeing to their services.

Summing up, by a thoroughly researching and then comparing as much debt consolidation companies, consumers will be able to determine the service that meet your very specific financial situation, moreover, besides the cheaper interest rate the debit consolidation market is offering. For Instance, see our last debt relief service review: PriorityDebtSettlement Review.

Nevertheless, it’s recommendable working with a seasoned and reliable debit counselor before a conclusion is made, this way you will save time through seasoned advise & cash by obtaining better results in a shorter period of time.

Hector Milla runs the Federal Credit Card Relief website – visit and see his best rated debt consolidator service recommendation.

Find online debt consolidation tips and poor credit debit management advise. Visit for further information.

Proudly sponsored by Hector Milla.