How to deal with a collection Agency For most of us, when we get a call or a letter from a collection agency we run away scared. We think that if we tear the letters and throw them in the trash bin that the problem will go away. Worst yet, we think that if we talk to them and explain the dire circumstances that prevented you to pay the bill; the collection agency will understand and walk away. Unfortunately, life is not that simple and the problem will not go away. How do you deal with them you might ask? This short tutorial will teach you some basic but yet effective tools available in your [more]

ID Theft Information File Police Report: a. Very important to establish time of discovery & action on your part. b. Always submit relevant documents relating to the case. Copies only c. Itemize all creditors affected & properly identify them. name / account number / amount d. Obtain copy of the police report; if not then the file number. [more]