Debt Collection and Settlement Resources
“CREDIT SCIENCE RUN UP YOUR SCORE!” “CREDIT SUPREME Reviews are my favorite thing on the Internet. It has helped me save money on credit card bills and credit repair has helped me out tremendously. If you have been suffering from credit problems then I highly recommend that you look into credit supreme reviews before you spend any money on trying to fix your credit problems.
“credit counseling made it easy to pay my credit card bills and pay my credit repair.” “I tried credit counseling for over a year and credit counseling made it very easy to pay my credit cards and pay my credit repair bills. It was very important to me that before I continued on in life I would not go into credit counseling again because it really made things a lot harder than they had to be.
“My scheduled meeting with the counselor was great. She was very patient with me, explaining that she was there to help me. She explained that she could only assist me if she had first seen the letters from my creditors stating that they owed me money. She told me that I was not late on any of my credit card statements and she could not get any information from me regarding any account that I did not have an active account for at least seven days prior to her scheduling the meeting with me. She asked if I had opened any new accounts and I told her no.
A Credit Counselor’s Debt Collection and Settlement Resources
“The counselor left the office with some very helpful and thorough notes on my financial situation. She also gave me a folder with some of my financial information in it. She told me that she would contact all of my creditors and have them send me a letter of authorization to visit each one and get a copy of my bank statements, current debts and any tax returns they might have. She informed me that I was not legally obligated to go to the meetings with the lerbakken unless I received an authorization letter from the lerbakken itself.”
“I was very thankful that the lerbakken lady was so understanding. She explained to me that I did not need to go to the scheduled meeting because once I signed an authorization letter indicating that I understood that she could not get any information from me regarding any account other than the ones that were listed in my certified credit file, she would not be able to contact me regarding any other accounts receivable lists. She went on to say that she would be glad to work with me if I ever ran into any account receivable lists that I did not recognize.”
The above mentioned experience is typical. Unfortunately, many people do not have the required experience prior to being assigned to evaluate a credit counselor for bankruptcy cases. In my thirty-eight years of practice, I only see credit counselors who lack the proper experience. The credit bureaus’ published guidelines are very detailed and should be adhered to at all times. Obtaining the most appropriate and relevant information is critical in making the best credit counseling judgment call.