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Stop Creditor Harrassment
How you can stop creditor harassment.
People who feel hopelessly pressured by credit card debt should know that they have options to stop creditor harassment. Creditors are often persistent to the point of constant phone calls at all hours of the day. They often make threats which create unbearable frustration and stress for the debtor. Solutions include knowledge of debt collection regulations, filing bankruptcy, or using a debt settlement service. The Fair Debt Collection Practices Act places limits on debt collection. It covers personal, family, and household debts. Collectors are allowed to make contact with debtors in person or by telephone, mail, telegram, or fax. If a debtor writes a letter requesting that contact be stopped, collectors must cease contact except to notify of a specific action. They must contact through the debtor's attorney if they have retained one. Collectors may not tell other associates of the debtor about money owed. Debt settlement services are a valuable option. They relieve the stress of overwhelming debt by offering a manageable payment plan. As soon as a debtor enrolls, creditors and collectors receive immediate notice to stop contact. Usually, harassment ceases within a month, with two months being the maximum. Programs are in place to monitor the situation until all debts are paid. A customer representative is assigned to each account to handle all problems and concerns. They may ask debtors to keep a written record of any contacts with creditors in order to bring harassment to a halt. Bankruptcy is considered a last resort. It will stop creditor harassment but at the same time, create other problems. Negative effects, such as inability to obtain credit or secure fair interest rates, can last for at least seven years. Many debtors regret their decision to file for bankruptcy. Feelings of guilt and failure are common. Expert advice is extremely important before making this life changing decision.
The 'Nets First Community of Folks Bootstrapping Together On Debt Reduction.
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Did You See That Recent Reference to the Self-Healing Brain?
Brain Fitness and Neuroplasticity Exercises
Stretch Your Axons and Flex Your Dendrites?
There are something like 450 different models of counseling and/or psychotherapy. Of that number, perhaps 10-15 models enjoy any professional support or research credibility.
However, every one of those models involves your brain.
Want to make your brain more effective?
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For your New Years Day Resolutions! Warning-has a side effect of increased IQ.
How is Your Attention? Try Your Hand at the Stroop Test.
To test your attention using the stroop test, read the color the word is printed in rather than the text of the word. So the text could be the word red, but if the word red is printed in blue, then the correct response if blue.
Ultimate Brain Fitness Program
Neurogenesis and Neuroplasticity
Replacement Parts for Your Brain?
Neurogenesis is the term used to describe the recently discovered capacity of the human brain to grow new neurons.
That is right, our brain is not physically fixed, it is constantly changing, losing some neurons, growing some neurons, making or deleting connections, and we can encourage that growth by attending to the Pillars Of Brain Fitness.
Those pillars are;
Physical Exercise
Nutrition
Sleep
Stress Management
Novel Learning Experience
Ultimate Brain Fitness Program
Want the Book On Brainfitness?
Chocolate is a Wonderful Counseling Tool, Don't You Think?
Looking for Information On the Grieving Process?
Many of the visitors to this site are looking for information about grief and grieving, and many have utilized the information found in
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Thankyou for coming to visit me, please leave me a note about topics you might like me to cover.
Mike