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A collections notice shows up, a debtcollector starts calling or you find a negative report on your credit history, but you know you paid the account in question. Find out more about what the law says about your rights when it comes to protecting your credit history. It happens.
Credit Counselor. A credit counselor is certified and trained in consumercredit, money and debt management, and budgeting. The United States Trustee Program also keeps a list of credit counseling agencies approved to provide pre-bankruptcy counseling. DebtSettlement Services.
The only problem came when after not paying on an account for 6–7 months, I came to find out that Freedom Debt Relief couldn’t settle this particular account. I had to make my own payment arrangements with the debtcollector so that we could keep our furnace. I came to learn that FDR mainly only works with credit cards.
The Department has also begun licensing debtcollectors. Proposed registration includes debtsettlement services, student debt relief services, postsecondary education financing, and wage-based advances. Research and Market Monitoring. For more information about the DFPI, visit their website at [link].
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