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By: Rickert | July 20, 2017

When a debt exists there are two parties involved – the creditor, who is the source of the loan, and the debtor, who is the receiver of the loan. If you are a debtor whose loan or  credit card account goes into default, be prepared to face serious repercussions. But it’s never too late to get your payments back on track, and it’s much easier to accomplish when you’re dealing with the original  creditor.

negotiate debt

In fact, you should try to avoid having your debts sold to a collection agency at all costs. This one event can cause a ripple effect in many areas of your life, both financially and personally. Find out why it’s better to settle your debt before it goes to collections, and how exactly to negotiate with that original creditor.

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By: Rickert | July 20, 2017

Removing a chapter 7 bankruptcy from your credit report can be a very difficult process (as you can imagine), but it is possible to do if you follow the steps I’ve outlined in this article.

Please keep in mind that this may or may not work. Your individual situation will ultimately determine if it’s possible to get a bankruptcy removed from your  credit report. Also, the older the bankruptcy, the better chances you have of getting it removed.

Another thing I want to suggest before we get started is that you sign up for a credit monitoring service if you don’t have one already. You’ll need to monitor your  credit reports closely while you’re going through these steps, so it’s pretty much a must have. TransUni...

By: Rickert | April 02, 2017


Before you make any big decisions like hiring a debt settlement company to attempt to settle your debts, it’s important that you understand how it works, what you’re getting into, and the other options you may have. Debt settlement can have a big impact on your personal finances let’s talk about when debt settlement is a smart decision and when perhaps it’s not.

How Debt Settlement Works

The first thing to understand is that debt settlement will generally only work on unsecured debt such as credit cards and other bills that have gone into collections. If you’re behind on your mortgage or car loan, you’re not going to be able to settle because a car can be repossessed and a house can be foreclosed on. Debt settlement also will not work wi...

Category: creditors 

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By: Rickert | March 12, 2017


Bill collectors hounding you? Considering repaying or negotiating an old debt? The statute of limitations on bills, often referred to as tolling of time is a powerful tool for consumers. The SOL can thwart off lawsuits and collectors when attempting to collect or sue on dusty old debts.

If a debt is legally expired, you can escape being sued or having to pay it back. Likewise, it can be detrimental because many debtors unwillingly renew the SOL by making a partial payment or a written promise to pay which extends the statute.

The statute of limitations is a civil code. Each state has its own statute, For instance, the code section in Cal. Code of Civil Procedure § 337.

The legal meaning for statute of limitations is: THE TIME OF COMMENCING ...

By: Rickert | March 12, 2017

“In order to pay less for basic services and be eligible for any type of financing or line of credit you need, it is important to maintain excellent credit ratings. As the economy is still shaky, lenders are tightening their standards and more industries are relying on credit scores before making any kind of financial decisions. Consumers continue to struggle with their credit profiles because it hard to keep getting the ends to meet. This means more bills are paid late or missed entirely, causing credit scores to decrease.

Every consumer has it in their power to repair their own credit. There is not necessarily a need to involve a third-party agency in order to improve one’s credit score. But because personal finance issues are often percei...

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