Recent Blog Posts
What to Look for in a Debt Validation Letter
Debt collectors call and text frequently in attempts to recover debts owed by Georgia residents, and it is important for anyone in the state to know that they have certain protections related to debt collection practices under the federal Fair Debt Collection Practices Act (FDCPA). One of the protections this law provides has to… Read More »
The Statute of Limitations for Collecting Debt in Georgia
How much time does a debt collector or a creditor in Georgia have to collect on the debt you owe? To answer this question, it is essential to understand what a statute of limitations is and how it works. As long as the clock on the statute of limitations is still “ticking,” then the… Read More »
What is Revived Debt?
Are you struggling to repay debt and considering options like debt settlement or bankruptcy? It is important to know that, after the statute of limitations runs out on a creditor’s ability to collect your debt, you may not have to make a payment. However, there are ways in which you can “revive” a debt… Read More »
Is Debt Settlement Right for Me?
Financial difficulties impact most Georgia residents from time to time. Yet for many Georgia residents, struggles with debt become ongoing and all-encompassing. If you are struggling with debt, you might have already investigated some of your potential options. For example, you might have considered a substantial personal loan to pay off several different credit… Read More »
Will Credit Card Companies Agree to Debt Settlement?
As of the end of 2024, Americans have a combined credit card debt of $1.166 trillion, according to Lending Tree. That amount is massive. Over the course of 2024, credit card debt has either risen each month or has remained steady. In other words, there have been no indications that Americans are able to… Read More »
Frequently Asked Questions About Debt Settlement
For anyone who is struggling with debt, the options to manage their debt or to get a fresh start can be vague or confusing. Many consumers do not know if they are eligible for certain processes like debt settlement, for example. If you are considering debt settlement, we know you have many questions. Finding… Read More »
Debt Settlement Versus Debt Consolidation
Georgia residents who are struggling with debt may be considering multiple options for debt relief. However, the distinctions among the different available forms of debt relief can be confusing. Debtors may not understand the specific process for debt settlement or debt consolidation, for example, or how those processes differ from one another. At the… Read More »
Impact of Debt Settlement on Credit Scores: From Debt Delinquency to Resolution
Are you months behind on debts that you know you will not be able to repay over time? Having debt delinquencies can have a significant impact on your credit score, and those delinquencies can impact your ability to be approved for certain forms of credit in the future. If you have debt delinquencies and… Read More »
Difference Between Debt Settlement and Bankruptcy
When you are struggling with debt in Georgia, you are likely considering the options. What are options that may be available to you to get a handle on your debt so that you can free yourself from the debt-related anxiety that you have been experiencing? As soon as you begin doing some initial research,… Read More »
When Can Garnishment Happen?
If you are struggling with debt and experiencing routine contact from debt collectors, you may be concerned that a creditor or debt collector could begin taking additional action against you with the aim of recovering some of the money you owe. There are various steps that creditors and debt collectors may be able to… Read More »