Company consolidating debt

If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.

Yet since bankruptcy has far-reaching and long-lasting results, you should first consider other debt management options.

Debt counselors offer a variety of services in local offices, online or over the phone to help with a debt consolidation plan.

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The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

The Act covers personal, family, and household debts.

If you are unable to resolve the problem, you can submit a complaint to the Consumer Financial Protection Bureau (CFPB).

We operate an online referral service and we forward on all your requests and applications to qualified licensed third parties with whom we have pre-arranged agreements. We may also receive remuneration or commissions from these third parties for referring you to them.

There are two main types of personal bankruptcy: A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due.

This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them.

With a home equity loan, the lender advances you the total loan amount upfront, while a home equity credit line provides a source of funds that you can draw on as needed.

But keep in mind, these are secured loans that require you to put up your home as collateral.

If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.

A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).

This includes money owed on personal credit card accounts, auto loans, medical bills, and mortgages.

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