Blog Category: Debt

Most of us carrying too much credit card debt and a the sense of regret that comes along with it. If you are looking for a way out of your credit card debt, there are several options. The key is knowing which option is best for your financial situation. Snowball Financial guru Dave Ramsay endorses  … Read more

It is becoming more public that people all around the country have and still are experiencing harassing phone calls from debt collectors over debts they do not owe. Threats of lawsuits and even jail time have topped the list of abusive tactics some collectors are using to convince consumers to pay up on these alleged  … Read more

The debt collection industry has never been a pleasant one for anyone on the receiving end of the phone call. In recent years the aggressiveness of collectors and their methods are revealing some disturbing trends. While some consumers are fighting to repay debts they owe, many other are facing consequences of debt collections on debts  … Read more

If you have ever been behind on your debt payments you have probably experienced debt collections like letters of delinquency or calls to settle the debt. For some, debt collection annoyances go beyond the mail and telephone to the garnishment of their paycheck. Wage garnishment orders can be ordered without you even knowing, leaving you  … Read more

Each year criminals find new and tech savvy ways to scam innocent people out of money. While the Federal Trade Commission works tirelessly to catch and prosecute these criminals, they are also urging consumers to get educated about how to spot a scam and avoid becoming a victim. Spotting A Scam From social security disability  … Read more

This answer draws a stereotypical lawyer’s response…it depends. Unsecured debts such as medical bills are generally discharged with little or no payment; however, secured debts and certain “priority” debts must be paid in full. Priority debts, such as child support and certain types of IRS tax debt, typically will be paid in full (chapter 13)  … Read more

WE SUE DEBT COLLECTORS!!! YOU HAVE RIGHTS AND BAKER & ASSOCIATES WILL PURSUE THEM. HAVE YOU EXPERIENCED ONE OR MORE OF THE FOLLOWING: Did a debt collector contact a family member, friend, or neighbor and tell them about your debt? Did this happen more than once? Did a debt collector threaten to use violence or  … Read more