2013년 11월 29일 금요일

오후 11:39

By Anabel Buske

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About 'collection agency'|Prince Is Suing A Debt Collection Agency For $116,000







About 'collection agency'|Prince Is Suing A Debt Collection Agency For $116,000








Ｉ               ｔｈｉｎｋ               ｍｏｓｔ               ｏｆ               ｕｓ,               ｓｏｍｅｗｈｅｒｅ               ａｌｏｎｇ               ｔｈｅ               ｌｉｎｅ,               ｈａｖｅ               ｈａｄ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ,               ａｎｄ               ｉｔ'ｓ               ｎｅｖｅｒ               ａ               ｐｌｅａｓａｎｔ               ｅｘｐｅｒｉｅｎｃｅ,               ｔｏ               ｓａｙ               ｔｈｅ               ｌｅａｓｔ.

Ｓｏｍｅ               ａｒｅ               ｈｏｎｅｓｔ               ａｎｄ               ｌｅｇｉｔｉｍａｔｅ               ｏｎｅｓ,               ｂｕｔ               ｎｏｎｅｔｈｅｌｅｓｓ               ａｌｍｏｓｔ               ａｌｌ               ｕｓｅ               ｓｏｍｅ               ｆｏｒｍ               ｏｆ               ｓｃａｒｅ               ｔａｃｔｉｃｓ               ｔｏ               ｍａｋｅ               ａ               ｐｅｒｓｏｎ               ｐａｙ               ａｎ               ｏｌｄ,               ｏｕｔｓｔａｎｄｉｎｇ               ｄｅｂｔ.

Ｔｈｅ               ｓｃａｒｅ               ｔａｃｔｉｃｓ               ｕｓｅｄ               ｃａｎ               ｂｅ               ｆｒｏｍ               ｒｅｃｅｉｖｉｎｇ               ｒｅｐｅａｔｅｄ               ａｎｄ               ｃｏｎｓｔａｎｔ               ｌｅｔｔｅｒｓ               ｏｒ               ａｌｍｏｓｔ               ｄａｉｌｙ               ｐｈｏｎｅ               ｃａｌｌｓ               ｒｅｍｉｎｄｉｎｇ               ａ               ｐｅｒｓｏｎ               ｏｆ               ａ               ｏｌｄ,               ｐａｓｔ-ｄｕｅ               ｄｅｂｔ,               ｗｈｅｔｈｅｒ               ｉｔ               ｂｅ               ｆｒｏｍ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｙ,               ａ               ｌｏａｎ,               ａｎｄ               ｓｏ               ｆｏｒｔｈ               ａｎｄ               ｃａｎ               ｂｅ               ｆｏｒ               ａ               ｓｅｅｍｉｎｇｌｙ               ｓｍａｌｌ               ａｍｏｕｎｔ               ｔｏ               ｌａｒｇｅｒ               ｄｅｂｔｓ               ｒａｎｇｉｎｇ               ｉｎ               ｔｈｅ               ｔｈｏｕｓａｎｄｓ.

Ｉｎ               ａ               ｆｅｗ               ｃａｓｅｓ,               ｉｆ               ａ               ｐｅｒｓｏｎ               ｉｇｎｏｒｅｓ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ,               ｓｏｏｎｅｒ               ｏｒ               ｌａｔｅｒ,               ａ               ｐｅｒｓｏｎ               ｍｉｇｈｔ               ｓｕｄｄｅｎｌｙ               ｆｉｎｄ               ｔｈｅｍｓｅｌｖｅｓ               ｇｅｔｔｉｎｇ               ａ               ｓｕｍｍｏｎｓ               ｔｏ               ａｐｐｅａｒ               ａｔ               ｃｏｕｒｔ               ｆｏｒ               ｓｏｍｅ               ｋｉｎｄ               ｏｆ               ｌｅｇａｌ               ｓｅｔｔｌｅｍｅｎｔ.

Ｂｏｔｈ               ｍｙ               ｎｏｗ               ｄｅｃｅａｓｅｄ               ｍｏｔｈｅｒ               ａｎｄ               Ｉ               ｈａｖｅ               ｈａｄ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｒｕｎ-ｉｎｓ               ｗｉｔｈ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ.

Ｐｒｉｏｒ               ｔｏ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ,               ｓｈｅ               ｈａｄ               ａｍａｓｓｅｄ               ａ               ｔｏｔａｌ               ｄｅｂｔ               ｏｖｅｒ               $25,000.

Ｂｅｉｎｇ               ｔｈａｔ               ｓｈｅ               ｗａｓ               ｏｎ               ａ               ｆｉｘｅｄ               ｉｎｃｏｍｅ               ｏｆ               ｏｎｌｙ               ｒｅｃｅｉｖｉｎｇ               ａ               ｓｍａｌｌ               ｍｏｎｔｈｌｙ               ｐｅｎｓｉｏｎ               ａｎｄ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｂｅｎｅｆｉｔ,               ｔｈｅｒｅ               ｗａｓ               ｎｏ               ｗａｙ               ｍｙ               ｍｏｔｈｅｒ               ｃｏｕｌｄ               ｈａｖｅ               ｐａｉｄ               ｏｆｆ               ｔｈｅｓｅ               ｄｅｂｔｓ,               ｎｅｉｔｈｅｒ               ｄｉｄ               ｓｈｅ               ｈａｖｅ               ｔｈｅ               ｆｕｎｄｓ               ｔｏ               ｄｅｃｌａｒｅ               ｂａｎｋｒｕｐｔｃｙ.

Ｓｈｅ               ｄｉｄ               ａｔ               ｏｎｅ               ｔｉｍｅ,               ｃｏｎｓｕｌｔ               ａ               ｆｉｎａｎｃｉａｌ               ａｄｖｉｓｅｒ               ｗｈｏ               ｔｏｏｋ               ｈｅｒ               ｃａｒｅ               ｏｆ               ｈｅｒ               ｃａｓｅ               ａｎｄ               ｓｅｎｔ               ｏｕｔ               ｌｅｔｔｅｒｓ               ｔｏ               ａｌｌ               ｔｈｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｔｒｙｉｎｇ               ｔｏ               ｒｅｔｒｉｅｖｅ               ｔｈｅ               ｏｌｄ               ｄｅｂｔｓ.

Ｔｈｉｓ               ｓｅｅｍｅｄ               ｔｏ               ｈｅｌｐ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ａ               ｂｉｔ,               ｂｕｔ               ｎｏｔ               ｅｎｔｉｒｅｌｙ,               ａｓ               ｍｙ               ｍｏｔｈｅｒ               ｗａｓ               ｓｏｏｎ               ｈｏｕｎｄｅｄ               ａｇａｉｎ               ｂｙ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒ'ｓ,               ａｎｄ               ｔｈｅｙ               ｗｅｒｅ               ｎｅｖｅｒ               ｔｈｅ               ｓａｍｅ               ａｇｅｎｃｉｅｓ.

Ｉｔ               ｓｅｅｍｓ               ａｎｏｔｈｅｒ               ｔａｃｔｉｃ               ｏｆ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｉｓ               ｔｏ               ｂｏｕｎｃｅ               ｔｈｅ               ｏｌｄ               ｄｅｂｔ               ａｒｏｕｎｄ,               ｆｉｒｓｔ               ｗｉｔｈ               ｏｎｅ               ａｇｅｎｃｙ,               ｔｈｅｎ               ｓｕｂｍｉｔ               ｉｔ               ｔｏ               ａｎｏｔｈｅｒ,               ｔｈｅｎ               ｙｅｔ               ａｎｏｔｈｅｒ               ａｇａｉｎ.

Ｔｈｉｓ               ｗｅｎｔ               ｏｎ               ｆｏｒ               ｙｅａｒｓ,               ａｎｄ               ｅａｃｈ               ｔｉｍｅ               ｍｙ               ｍｏｔｈｅｒ               ｋｅｐｔ               ｇｅｔｔｉｎｇ               ｌｅｔｔｅｒｓ               ａｎｄ/ｏｒ               ｐｈｏｎｅ               ｃａｌｌｓ               ｆｒｏｍ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ.

Ｅａｃｈ               ｔｉｍｅ               ｓｈｅ               ｒｅｃｅｉｖｅｄ               ａｎｏｔｈｅｒ               ｌｅｔｔｅｒ,               Ｉ               ｗｒｏｔｅ               ｌｅｔｔｅｒｓ               ｂａｃｋ               ｔｏ               ｔｈｅｍ,               ｅｘｐｌａｉｎｉｎｇ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｈｅｍ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｄｖｉｓｅｒ               ｓｈｅ               ｈａｄ               ｃｏｎｔａｃｔｅｄ               ｆｏｒ               ｆｕｒｔｈｅｒ               ｒｅｆｅｒｅｎｃｅ               ｉｎ               ｔｈｅ               ｍａｔｔｅｒ,               ｈｏｗｅｖｅｒ,               ｔｈｅｙ               ｓｔｉｌｌ               ｈｏｕｎｄｅｄ               ｈｅｒ.
               Ｔｈｅｎ               ｍｙ               ｍｏｔｈｅｒ               ｐａｓｓｅｄ               ａｗａｙ               ｌｅａｖｉｎｇ               ｔｈｏｓｅ               ｄｅｂｔｓ               ｕｎｒｅｓｏｌｖｅｄ               ａｎｄ               ｕｎｐａｉｄ               ｆｏｒ.

Ｆｏｒｔｕｎａｔｅｌｙ               ａｓ               Ｉ               ｈａｄ               ｎｏ               ｌｅｇａｌ               ｏｂｌｉｇａｔｉｏｎ               ｗｈａｔｓｏｅｖｅｒ               ｔｏ               ｐａｙ               ｔｈｏｓｅ               ｄｅｂｔｓ               ｂａｃｋ               ｍｙｓｅｌｆ,               ａｎｄ               ｔｒｕｔｈ               ｂｅ               ｔｏｌｄ,               Ｉ               ｃｏｕｌｄｎ'ｔ               ｈａｖｅ               ｄｏｎｅ               ｓｏ               ｍｙｓｅｌｆ               ａｎｙｗａｙ               ａｓ               Ｉ               ａｍ               ａ               ｒｅｃｉｐｉｅｎｔ               ｏｆ               ＳＳＩ               Ｄｉｓａｂｉｌｉｔｙ               ｂｅｎｅｆｉｔｓ,               Ｉ               ｄｅａｌｔ               ｗｉｔｈ               ｔｈｅ               ｍａｔｔｅｒ               ｂｙ               ｓｉｍｐｌｙ               ｓｅｎｄｉｎｇ               ｃｏｐｉｅｓ               ｏｆ               ｈｅｒ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ               ｔｏ               ａｌｌ               ｉｎｖｏｌｖｅｄ,               ａｎｄ               ｗｉｔｈ               ｉｔ,               ａ               ｌｅｔｔｅｒ               ｔｅｌｌｉｎｇ               ｅａｃｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｈａｔ               ｗｉｔｈ               ｔｈｅ               ｐａｓｓｉｎｇ               ｏｆ               ｍｙ               ｍｏｔｈｅｒ,               ｔｈｅｒｅ               ｗａｓ               ｎｏ               ｆｕｒｔｈｅｒ               ｏｂｌｉｇａｔｉｏｎ               ｉｎ               ｔｈｅ               ｐａｙｍｅｎｔ               ｏｆ               ｈｅｒ               ｄｅｂｔｓ.

Ｍｏｓｔ               ｗｅｒｅ               ａｃｃｏｍｍｏｄａｔｉｎｇ               ａｎｄ               ｌｅｆｔ               ｍｅ               ａｌｏｎｅ...ｂｕｔ               ａｓ               ｙｏｕ               ｃａｎ               ｇｕｅｓｓ               ｓｏｍｅ               ｗｅｒｅｎ'ｔ.

Ｉ               ｋｅｐｔ               ｇｅｔｔｉｎｇ               ｈｏｕｎｄｅｄ               ｂｙ               ｏｎｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｉｍｅ               ａｎｄ               ｔｉｍｅ               ａｇａｉｎ...ｔｈｅｙ               ｊｕｓｔ               ｗｏｕｌｄｎ'ｔ               ｌｅｔ               ｕｐ.

Ｗｈｅｎ               Ｉ               ｅｘｐｌａｉｎｅｄ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｔｈｅｍ               ｖｉａ               ａ               ｐｈｏｎｅ               ｃａｌｌ,               Ｉ               ｗａｓ               ｔｏｌｄ               ｔｏ               ｓｅｎｄ               ａ               ｃｏｐｙ               ｏｆ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ.

Ｗｅｌｌ               Ｉ               ｈａｄ               ａｌｒｅａｄｙ               ｄｏｎｅ               ｔｈａｔ,               ｂｕｔ               ｓｅｎｔ               ａｎｏｔｈｅｒ               ｏｎｅ               ｔｏ               ｔｈｅｍ               ａｎｙｗａｙ.

Ｔｈｅｎ               ａ               ｍｏｎｔｈ               ｐａｓｓｅｄ               ｂｙ,               ａｎｄ               Ｉ               ｇｅｔ               ａｎｏｔｈｅｒ               ｐｈｏｎｅ               ｃａｌｌ               ｉｎ               ｗｈｉｃｈ               Ｉ               ｈａｄ               ｔｏ               ｅｘｐｌａｉｎ               ｔｈｅ               ｗｈｏｌｅ               ｓｉｔｕａｔｉｏｎ               ａｌｌ               ｏｖｅｒ               ａｇａｉｎ,               ａｎｄ               ｍｉｎｄ               ｙｏｕ               ｔｏ               ｔｈｅ               ｖｅｒｙ               ｓａｍｅ               ｐｅｒｓｏｎ.

Ｉ               ｗａｓ               ｔｏｌｄ               ｔｈｅｙ               ｎｅｖｅｒ               ｒｅｃｅｉｖｅｄ               ｔｈｅ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ...ｃｏｕｌｄ               Ｉ               ｐｌｅａｓｅ               ｓｅｎｄ               ａｎｏｔｈｅｒ               ｏｎｅ.

Ｓｏ               ｙｅｓ,               Ｉ               ｓｅｎｔ               ａ               ｔｈｉｒｄ               ｏｎｅ               ｔｏ               ｔｈｅｍ.

Ａｎｏｔｈｅｒ               ｍｏｎｔｈ               ｐａｓｓｅｓ,               ａｎｄ               Ｉ               ｇｅｔ               ａｎｏｔｈｅｒ               ｐｈｏｎｅ               ｃａｌｌ,               ｔｈｉｓ               ｔｉｍｅ               ｆｒｏｍ               ａ               ｌａｗｙｅｒ               ｒｅｐｒｅｓｅｎｔｉｎｇ               ｔｈｅ               ａｇｅｎｃｙ.

Ｏｎｃｅ               ｍｏｒｅ               Ｉ               ｈａｄ               ｔｏ               ｅｘｐｌａｉｎ               ｔｈｅ               ｗｈｏｌｅ               ｃｉｒｃｕｍｓｔａｎｃｅ               ａｌｌ               ｏｖｅｒ               ａｇａｉｎ,               ａｎｄ               ｔｏｌｄ               ｔｈｅ               ｌａｗｙｅｒ               ｔｈａｔ               Ｉ'ｖｅ               ｓｅｎｔ               ａ               ｔｏｔａｌ               ｏｆ               ｔｈｒｅｅ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅｓ               ｔｏ               ｔｈｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ.

Ｔｈｅ               ｌａｗｙｅｒ               ａｓｋｅｄ               ｍｅ               ｔｏ               ｓｅｎｄ               ａ               ｃｏｐｙ               ｔｏ               ｈｅｒ,               ｗｈｉｃｈ,               ｙｅｓ               ａｓ               ｙｏｕ               ｃａｎ               ｇｕｅｓｓ,               ｏｎｃｅ               ａｇａｉｎ               Ｉ               ｓｅｎｔ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｃｅｒｔｉｆｉｃａｔｅ               ａｎｄ               Ｉ'ｍ               ｈｏｐｉｎｇ               ｔｈａｔ               ｆｉｎａｌｌｙ               ｓｅｔｔｌｅｓ               ｔｈｅ               ｍａｔｔｅｒ               ａｓ               ｓｏ               ｆａｒ               Ｉ               ｈａｖｅｎ'ｔ               ｈｅａｒｄ               ｆｒｏｍ               ｔｈｅ               ｌａｗｙｅｒ               ａｇａｉｎ.
               Ｎｏｗ               Ｉ               ｗｉｓｈ               ｔｏ               ｒｅｌａｔｅ               ｍｙ               ｏｗｎ               ｐｅｒｓｏｎａｌ               ｒｕｎ-ｉｎｓ               ａｎｄ               ｓｔｏｒｙ               ｏｆ               ｏｎｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｉｎ               ｐａｒｔｉｃｕｌａｒ,               ｔｈａｔ               ｉｓ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ａｎｄ               ａｎｄ               ａｇｅｎｃｙ               ｔｈａｔ               ｉｓ               ｒｅｌｅｎｔｌｅｓｓ               ａｎｄ               ｒｅａｌｌｙ               ｄｏｅｓｎ'ｔ               ｋｎｏｗ               ｗｈｅｎ               ｔｏ               ｇｉｖｅ               ｕｐ.

Ｔｈｅ               ｒｅａｌ               ｉｎｔｅｒｅｓｔｉｎｇ               ｔｈｉｎｇ               ａｂｏｕｔ               ｔｈｉｓ               ｐａｒｔｉｃｕｌａｒ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ｉｓ               ｔｈａｔ               Ｉ               ｈａｖｅ               ｓｉｎｃｅ               ｆｏｕｎｄ               ｏｕｔ               ｉｓ               ｃｏｎｓｉｄｅｒｅｄ               ｏｎｅ               ｏｆ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｓｃａｍ               ａｇｅｎｃｉｅｓ               ｇｏｉｎｇ.

Ｐｒｉｏｒ               ｔｏ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ               ｉｎ               2006,               Ｉ               ｕｓｅｄ               ｔｏ               ｈａｖｅ               ＡＴ&Ｔ               ａｓ               ｍｙ               ｐｈｏｎｅ               ｃｏｍｐａｎｙ.

Ｗｉｔｈｉｎ               ａ               ｍｏｎｔｈ               ａｆｔｅｒ               ｓｈｅ               ｐａｓｓｅｄ               ａｗａｙ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｓｗｉｔｃｈ               ｐｈｏｎｅ               ｃｏｍｐａｎｉｅｓ,               ｂｕｔ               Ｉ               ｄｉｄ               ｓｔｉｌｌ               ｈａｖｅ               ａｎ               ｏｌｄ               ｏｕｔｓｔａｎｄｉｎｇ               ｂｉｌｌ               ｗｉｔｈ               ＡＴ&Ｔ               ｆｏｒ               ｏｎｌｙ               ａｂｏｕｔ               $100.00.

Ｕｐｏｎ               ｇｅｔｔｉｎｇ               ｎｏｔｉｃｅｓ               ｆｒｏｍ               ＡＴ&Ｔ               Ｉ               ｄｉｄ               ｔｒｙ               ｔｏ               ｒｅｓｏｌｖｅ               ｔｈｅ               ｉｓｓｕｅ,               ｄｉｒｅｃｔｌｙ               ｗｉｔｈ               ｔｈｅｍ               ａｎｄ               ｅｘｐｌａｉｎｅｄ               ｔｈａｔ               Ｉ               ｊｕｓｔ               ｐｌａｉｎ               ｗａｓｎ'ｔ               ａｂｌｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｄｅｂｔ,               ｎｏｔ               ｅｖｅｎ               ｏｎ               ｓｏｍｅ               ｋｉｎｄ               ｏｆ               ｉｎｓｔａｌｌｍｅｎｔ               ｐｌａｎ               ｄｕｅ               ｔｏ               ｍｙ               ｏｗｎ               ｌｏｗ               ｍｏｎｔｈｌｙ               ＳＳＩ               ｂｅｎｅｆｉｔｓ...ｉｎ               ｐｌａｉｎ               Ｅｎｇｌｉｓｈ,               Ｉ               ｊｕｓｔ               ｃｏｕｌｄｎ'ｔ.

Ａ               ｆｅｗ               ｍｏｎｔｈｓ               ｗｅｎｔ               ｂｙ               ａｎｄ               Ｉ               ｈｅａｒｄ               ｎｏｔｈｉｎｇ               ｆｕｒｔｈｅｒ               ｆｒｏｍ               ｔｈｅｍ,               ｂｕｔ               ｔｈｅｎ               Ｉ               ｓｔａｒｔｅｄ               ｇｅｔｔｉｎｇ               ｌｅｔｔｅｒｓ               ｆｒｏｍ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ.

Ｙｅｓ,               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ａｎｄ               ｆｏｒ               ｔｈｅ               ｏｌｄ               ＡＴ&Ｔ               ｂｉｌｌ.

Ｄｏｎ'ｔ               ａｓｋ               ｈｏｗ               ｍａｎｙ               ｔｉｍｅｓ               Ｉ               ｄｉｄ               ｃａｌｌ               ｔｈｅｍ               ａｎｄ               ｅｘｐｌａｉｎｅｄ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｔｈｅｍ...Ｉ               ｓａｉｄ               Ｉ               ｊｕｓｔ               ｃｏｕｌｄｎ'ｔ               ｐａｙ               ｔｈｅ               ｂｉｌｌ,               ａｎｄ               ｉｔ               ｗａｓｎ'ｔ               ａｓ               ｉｆ               Ｉ               ｏｗｅｄ               ｔｈｏｕｓａｎｄｓ               ｔｏ               ｂｅ               ｐｅｓｔｅｒｅｄ               ｓｏ               ｍｕｃｈ               ｂｙ               ｔｈｅｍ...ｔｈｅｙ               ｊｕｓｔ               ｗｏｕｌｄｎ'ｔ               ｇｉｖｅ               ｕｐ,               ｂｕｔ               ｆｉｎａｌｌｙ               ｔｈｅｙ               ｓｅｅｍｉｎｇｌｙ               ｄｉｄ.

Ｓｏ               ａｌｍｏｓｔ               ａ               ｆｕｌｌ               ｙｅａｒ               ｐａｓｓｅｄ               ｗｉｔｈｏｕｔ               ｈｅａｒｉｎｇ               ｆｒｏｍ               ｔｈｅｍ               ａｇａｉｎ,               ｔｈａｔ               ｉｓ               ｕｎｔｉｌ               ｊｕｓｔ               ａ               ｍｏｎｔｈ               ａｇｏ               ｗｈｅｎ               Ｉ               ｇｏｔ               ａ               ｌｅｔｔｅｒ               ｆｒｏｍ               ｔｈｅｍ.

Ｔｈｅｎ               Ｉ               ｓｔａｒｔｅｄ               ｔｏ               ｇｅｔ               ｔｈｅ               ｐｈｏｎｅ               ｃａｌｌｓ               ｏｆ               ｗｈｉｃｈ               ｑｕｉｔｅ               ｆｒａｎｋｌｙ               Ｉ'ｖｅ               ｉｇｎｏｒｅｄ,               ｔｈｏｕｇｈ               Ｉ'ｖｅ               ｓｉｎｃｅ               ｗｒｉｔｔｅｎ               ａ               ｌｅｔｔｅｒ               ｂａｃｋ.
               Ａ               ｆｅｗ               ｅｖｅｎｉｎｇｓ               ａｇｏ,               ｗｉｔｈ               ｔｈｅ               ｌｅｔｔｅｒ               ａｎｄ               ｐｈｏｎｅ               ｃａｌｌｓ               ｉｎ               ｍｉｎｄ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｇｏ               ｔｏ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ               ａｔ               ｗｗｗ.ｎｃｏｆｉｎａｎｃｉａｌ.ｃｏｍ               ａｎｄ               ｐｅｒｈａｐｓ               ａｌｓｏ               ｅｍａｉｌ               ｔｈｅｍ.

Ｈｏｗｅｖｅｒ,               ｕｐｏｎ               ｇｏｉｎｇ               ｏｎ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ,               ｉｔ               ａｓｋｅｄ               ｔｈａｔ               Ｉ               ｒｅｇｉｓｔｅｒ               ｂｙ               ｓｕｂｍｉｔｔｉｎｇ               ｔｈｅ               "ｃｏｄｅ"               Ｉ               ｗａｓ               ｇｉｖｅｎ               ｉｎ               ｔｈｅｉｒ               ｌｅｔｔｅｒ               ｔｏ               ｍｅ,               ｏｆ               ｗｈｉｃｈ               Ｉ               ｄｉｄ.

Ａｎｏｔｈｅｒ               ｐａｇｅ               ｔｈｅｎ               ｃａｍｅ               ｕｐ               ａｓｋｉｎｇ               ｍｅ               ｔｏ               ｓｕｂｍｉｔ               ｍｙ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ.

Ｌｉｔｔｌｅ               ｒｅｄ               ｆｌａｇｓ               ａｎｄ               ａｌａｒｍｓ               ｗｅｎｔ               ｏｆｆ,               ａｓ               Ｉ               ｔｈｏｕｇｈｔ               ｔｈｉｓ               ｗａｓ               ｕｎｕｓｕａｌ               ｔｏ               ｂｅ               ａｓｋｅｄ               ｏｎｅ'ｓ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ,               ｉｎ               ｏｔｈｅｒ               ｗｏｒｄｓ               ｉｔ               ｊｕｓｔ               ｄｉｄｎ'ｔ               ｓｅｅｍ               ｒｉｇｈｔ               ｓｏｍｅｈｏｗ.

Ｓｏ               ｔｈｅｎ               ｓｔａｒｔｅｄ               ｄｏｉｎｇ               ｓｅａｒｃｈｅｓ               ｏｎ               ｔｈｅ               ｗｅｂ               ｆｏｒ               ａｎｙ               ｎｅｗｓ               ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ａｎｄ               Ｉ               ｗａｓ               ａｍａｚｅｄ               ａｔ               ｗｈａｔ               Ｉ               ｆｏｕｎｄ,               ｐａｒｔｉｃｕｌａｒｌｙ               ｗｉｔｈ               ｔｈｅ               ｗｅｂｓｉｔｅ               ｋｎｏｗｎ               ａｓ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔ               (ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ).

Ｏｎ               ｔｈｉｓ               ｗｅｂｓｉｔｅ,               ａｒｅ               ａ               ｓｅｒｉｅｓ               ｏｆ               ｃｏｍｐｌａｉｎｔｓ               ａｇａｉｎｓｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ.

Ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｔｈｉｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｎｏｔ               ｏｎｌｙ               ｇｏｅｓ               ａｆｔｅｒ               ｐｅｏｐｌｅ               ｗｈｏ               ｍｉｇｈｔ               ｈａｖｅ               ｌｅｇｉｔｉｍａｔｅ               ｏｖｅｒ/ｐａｓｔ-ｄｕｅ               ｂｉｌｌｓ,               ｂｕｔ               ｈｏｕｎｄ               ｐｅｏｐｌｅ               ｗｉｔｈ               "ｍａｄｅ-ｕｐ"               ｏｖｅｒ-ｄｕｅ               ｂｉｌｌｓ,               ｍｏｓｔ               ｃｏｍｍｏｎｌｙ               ｗｉｔｈ               Ａｍｅｒｉｃａ               Ｏｎ-ｌｉｎｅ,               Ｉｎｃ.(1),               ｂｕｔ               ａｃｔｕａｌｌｙ               ｗｉｔｈ               ｍａｎｙ               ｏｔｈｅｒ               ｃｏｍｐａｎｉｅｓ               ｏｒ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ａｓ               ｗｅｌｌ               ｅｓｐｅｃｉａｌｌｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ,               ｂｕｔ               ｃａｎ               ａｌｓｏ               ｂｅ               ｆｏｒ               ｆｏｒ               ｂｉｌｌｓ               ｔｈａｔ               ｏｎｅ               ｍａｙ               ｈａｖｅ               ａｌｒｅａｄｙ               ｐａｉｄ               ｌｏｎｇ               ｔｉｍｅ               ａｇｏ.

Ｉｎ               ｏｎｅ               ｒｅｐｏｒｔ               ａｇａｉｎｓｔ               ｔｈｅｍ               ａｔ               ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔ               ｗｅｂｓｉｔｅ,               ａ               ｐｅｒｓｏｎ               ｃｏｍｐｌａｉｎｅｄ               ｔｈａｔ               ｔｈｅｙ               ｗｅｒｅ               ｂｅｉｎｇ               ｈｏｕｎｄｅｄ               ｆｏｒ               ａ               ｂｉｌｌ               ｔｈｅｙ               ｈａｄ               ａｌｒｅａｄｙ               ｐａｉｄ               ｆｏｒ               ｉｎ               ｆｕｌｌ,               ａｎｄ               ｔｈｅ               ｏｌｄ               ｂｉｌｌ               ｗｅｎｔ               ｂａｃｋ               ｔｏ               1988!

(2)
               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｒｅｐｏｒｔｓ               ｉｎ               ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ,               ｔｈｅｙ               ｓｕｇｇｅｓｔ               ｎｏｔ               ｇｅｔｔｉｎｇ               ｉｎ               ｃｏｎｔａｃｔ               ｗｉｔｈ               ＮＣＯ               ａｎｄ               ｐａｒｔｉｃｕｌａｒｌｙ               ｎｏｔ               ｔｏ               ｄｉｓｃｌｏｓｅ               ａｎｙ               ｉｎｆｏｒｍａｔｉｏｎ               ａｔ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ,               ａｓ               ａ               ｐｅｒｓｏｎ               ｗｉｌｌ               ｂｅ               ｓｕｂｊｅｃｔ               ｔｏ               ｓｐｙｗａｒｅ,               ｗｈｉｃｈ               ｗｉｌｌ               ｎｏｔ               ｏｎｌｙ               ｉｎｆｅｃｔ               ｏｎｅ'ｓ               ｃｏｍｐｕｔｅｒ               ｂｕｔ               ｗｉｌｌ               ｖａｌｉｄａｔｅ               ｏｎｅ'ｓ               ｄｅｂｔ               ｔｏ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ｗｈｅｔｈｅｒ               ｌｅｇｉｔｉｍａｔｅ               ｏｒ               ｎｏｔ...ａｎｄ               ａｌｌ               Ｉ               ｃａｎ               ｓａｙ               ｔｏ               ｔｈａｔ,               ｉｓ               ｔｈａｔ               Ｉ'ｍ               ｇｌａｄ               ｔｈａｔ               ｒｅｄ               ｆｌａｇ               ａｎｄ               ａｌａｒｍｓ               ｗｅｎｔ               ｏｆｆ               ｉｎｓｉｄｅ               ｍｅ               ａｎｄ               Ｉ               ｄｉｄｎ'ｔ               ｇｉｖｅ               ｏｕｔ               ｍｙ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ.

Ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ               ｗｅｂｓｉｔｅ               ａｌｓｏ               ｓｕｇｇｅｓｔｅｄ               ｔｈａｔ               ｉｆ               ａｎｙｏｎｅ               ｇｅｔｓ               ｌｅｔｔｅｒｓ               ａｎｄ/ｏｒ               ｐｈｏｎｅ               ｃａｌｌｓ               ｆｒｏｍ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ｔｏ               ｆｉｌｅ               ａ               ｃｏｍｐｌａｉｎｔ               ｗｉｔｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               (ＦＴＣ),               ｏｆ               ｗｈｉｃｈ               Ｉ               ａｌｒｅａｄｙ               ｈａｖｅ               ｄｏｎｅ               ｓｏ.

Ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｗｒｉｔｉｎｇ               ｌｅｔｔｅｒｓ               ｏｒ               ｍａｋｉｎｇ               ｐｈｏｎｅ               ｃａｌｌｓ               ｂａｃｋ               ｔｏ               ｔｈｉｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｄｏｅｓｎ'ｔ               ｓｏｌｖｅ               ｔｈｅ               ｐｒｏｂｌｅｍ...ａｓ               ｔｈｅｙ               ｗｉｌｌ               ｋｅｅｐ               ａｆｔｅｒ               ａ               ｐｅｒｓｏｎ               ｔｉｍｅ               ａｎｄ               ｔｉｍｅ               ａｇａｉｎ,               ｓｏ               ｔｈｅ               ｂｅｓｔ               ｃｏｕｒｓｅ               ｏｆ               ａｃｔｉｏｎ               ｉｓ               ｔｏ               ｃｏｍｐｌａｉｎ               ｔｏ               ｔｈｅ               ＦＴＣ.

Ａｌｓｏ,               ａｔ               ａｎｏｔｈｅｒ               ｗｅｂｓｉｔｅ               ｔｈａｔ               ｇａｖｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ｉｔ               ｃｌｅａｒｌｙ               ｓｔａｔｅｓ               ＮＯＴ               ｔｏ               ｓｅｎｄ               ＮＣＯ               ｏｎｅ               ｐｅｎｎｙ               ｔｏ               ｔｈｅｍ               ａｓ               ｉｔ               ｓｕｇｇｅｓｔｓ               ｔｈａｔ               ｔｈｅ               ｍｏｎｅｙ               ｏｎｌｙ               ｇｏｅｓ               ｔｏ               ｔｈｅｍ,               ａｎｄ               ｎｏｔ               ｔｏ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｐｌａｃｅ               ｏｒ               ｏｒｉｇｉｎ               ｏｆ               ｔｈｅ               ｄｅｂｔ               ｉｔｓｅｌｆ.(3)
               Ｓｏ               ｆａｒ               Ｉ               ｈａｖｅｎ'ｔ               ｂｅ               ｐｅｓｔｅｒｅｄ               ｔｏｏ               ｍｕｃｈ               ｙｅｔ               ｂｙ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ａｌｔｈｏｕｇｈ               Ｉ               ｓｕｓｐｅｃｔ               ｔｈａｔ               ｏｆｔｅｎ               ｗｈｅｎ               ｍｙ               ｐｈｏｎｅ               ｒｉｎｇｓ               ａｎｄ               ｍｙ               ａｎｓｗｅｒｉｎｇ               ｍａｃｈｉｎｅ               ｇｏｅｓ               ｏｆｆ,               ｔｈｅｎ               ｇｅｔ               "ｈａｎｇ-ｕｐｓ"               ｉｔ'ｓ               ｔｈｅｍ               ｃａｌｌｉｎｇ               ｂｕｔ               ｎｏｔ               ｂｏｔｈｅｒｉｎｇ               ｔｏ               ｌｅａｖｅ               ａｎｙ               ｍｅｓｓａｇｅｓ               ｆｒｏｍ               ｔｈｅｍ,               ａｓ               Ｉ               ｏｎｌｙ               ｓｔａｒｔｅｄ               ｇｅｔｔｉｎｇ               ｔｈｉｓ               ｏｎ               ａ               ｄａｉｌｙ               ｂａｓｉｓ               ｓｏｏｎ               ａｆｔｅｒ               ｔｈａｔ               ｆｉｒｓｔ               ｐｈｏｎｅ               ｃａｌｌ               ｗｈｅｒｅ               ｔｈｅｙ               ｄｉｄ               ｌｅａｖｅ               ａ               ｍｅｓｓａｇｅ.

Ｉ               ｄｏ,               ｈｏｗｅｖｅｒ               ｈａｐｐｅｎ               ｔｏ               ｋｎｏｗ               ａ               ｐｅｒｓｏｎ               ｗｈｏ               ｈａｓ               ｂｅｅｎ               ｒｅｐｅａｔｅｄｌｙ               ａｎｄ               ｓｅｒｉｏｕｓｌｙ               ｈａｒａｓｓｅｄ               ｂｙ               ｔｈｅｍ,               ｇｅｔｔｉｎｇ               ａｂｏｕｔ               ｔｈｒｅｅ               ｌｅｔｔｅｒｓ               ａ               ｗｅｅｋ               ａｎｄ               ｕｐ               ｔｏ               ｆｉｖｅ               ｓｅｐａｒａｔｅ               ｐｈｏｎｅ               ｃａｌｌｓ               ａ               ｄａｙ,               ｙｅｓ,               ａ               ｄａｙ.

Ｉｎ               ｓｕｃｈ               ａ               ｃａｓｅ,               ｉｆ               ｏｎｅ               ｉｓ               ｈａｒａｓｓｅｄ               ｉｎ               ｓｕｃｈ               ａ               ｍａｎｎｅｒ,               ｉｔ               ｉｓ               ｓｕｇｇｅｓｔｅｄ               ｔｈａｔ               ｏｎｅ               ｂｅ               ｍａｄｅ               ａｗａｒｅ               ｏｆ               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎｓ               Ａｃｔ,               ｏｆ               ｗｈｉｃｈ               ｔｈｅｒｅ               ａｒｅ               ｎｕｍｅｒｏｕｓ               ｗｅｂｓｉｔｅｓ               ｏｎｅ               ｃａｎ               ｌｏｇ               ｏｎｔｏ               ｔｏ               ｋｎｏｗ               ｏｎｅ'ｓ               ｒｉｇｈｔｓ,               ａｎｄ               ａｇａｉｎ,               ｉｔ               ｉｓ               ｕｒｇｅｎｔ               ｔｏ               ｇｅｔ               ｉｎ               ｔｏｕｃｈ               ｗｉｔｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               ａｂｏｕｔ               ｔｈｅ               ｕｎｓａｖｏｒｙ               ｐｒａｃｔｉｃｅｓ               ｏｆ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ.

Ｈｏｐｅｆｕｌｌｙ,               ｏｎｃｅ               ｄｏｎｅ,               ｔｈａｔ               ｓｈｏｕｌｄ               ｂｅ               ｔｈｅ               ｅｎｄ               ｏｆ               ａｎｙ               ｆｕｒｔｈｅｒ               ｈａｒａｓｓｍｅｎｔ               ｂｙ               ｎｏｔ               ｏｎｌｙ               ｔｈｉｓ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ,               ｂｕｔ               ａｎｙ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｃｏｎｔｉｎｕａｌｌｙ               ｈａｒａｓｓｅｓ               ａ               ｐｅｒｓｏｎ               ｒｅｌｅｎｔｌｅｓｓｌｙ.
               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ               ａｎｄ               Ｏｔｈｅｒ               Ｗｅｂｓｉｔｅｓ               Ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ
               (1)               
               ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ/ｒｅｐｏｒｔｓ/0/279/ＲｉｐＯｆｆ0279287.ｈｔｍ
               (2)               
               ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ/ｓｅａｒｃｈｒｅｓｕｌｔｓ.ａｓｐ?ｑ5=ＮＣＯ%20Ｆｉｎａｎｃｉａｌ&ｑ1               
               =ＡＬＬ&ｑ4=&ｑ6=&ｑ3=&ｑ2=&ｑ7=&ｓｅａｒｃｈｔｙｐｅ=0&ｓｕｂｍｉｔ2=Ｓｅａｒｃｈ%21&Ｓｅａｒｃｈ=Ｓｅａｒｃｈ
               (3)
               ｈｔｔｐ://ｗｗｗ.ｅｔｈａｎｎｏｎｓｅｑｕｉｔｕｒ.ｃｏｍ/ｎｃｏ-ｆｉｎａｎｃｉａｌ-ｓｙｓｔｅｍｓ.ｈｔｍｌ
               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｃｔ
               ｈｔｔｐ://ｗｗｗ.ｆａｉｒ-ｄｅｂｔ-ｃｏｌｌｅｃｔｉｏｎ.ｃｏｍ/ｆａｉｒ-ｄｅｂｔ-ａｃｔ.ｈｔｍｌ
               ｈｔｔｐ://ｗｗｗ.ｆｄｉｃ.ｇｏｖ/ｒｅｇｕｌａｔｉｏｎｓ/ｌａｗｓ/ｒｕｌｅｓ/6500-1300.ｈｔｍｌ






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    Ｔｈｅｓｅ               ｄａｙｓ,               ｈａｖｉｎｇ               ａ               ｇｏｏｄ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｍｅａｎｓ               ａ               ｌｏｔ.

    Ｉｆ               ｙｏｕ               ｈａｖｅ               ｂａｄ               ｃｒｅｄｉｔ,               ｙｏｕｒ               ｃｈａｎｃｅｓ               ｏｆ               ｇｅｔｔｉｎｇ               ａ               ｎｉｃｅ               ｈｏｕｓｅ               ｏｒ               ｃａｒ               ａｒｅ               ｖｅｒｙ               ｓｌｉｍ               ｔｏ               ｎｏｎｅ               ｕｎｌｅｓｓ               ｙｏｕ               ａｒｅ               ｐａｙｉｎｇ               ｃａｓｈ,               ｂｕｔ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｈａｔ               ｍｕｃｈ               ｃａｓｈ               ｙｏｕｒ               ｂｉｌｌｓ               ｗｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｐａｉｄ               ｏｎ               ｔｉｍｅ,               ｒｉｇｈｔ?

    Ｉｆ               ｙｏｕ               ａｒｅ               ａｍｏｎｇ               ｔｈｅ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｐｅｏｐｌｅ               ｗｉｔｈ               ｂａｄ               ｃｒｅｄｉｔ,               ｔｈｅｎ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               Ｉ               ａｍ               ａｂｏｕｔ               ｔｏ               ｇｉｖｅ               ｙｏｕ               ｓｈｏｕｌｄ               ｂｅ               ｏｆ               ｓｏｍｅ               ｖａｌｕｅ               ｔｏ               ｙｏｕ,               ａｎｄ               ｙｏｕ               ａｒｅ               ｐｒｏｂａｂｌｙ               ｗｅｌｌ               ａｗａｒｅ               ｏｆ               ｈｏｗ               ｉｍｐｏｒｔａｎｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｓ.

    Ｍｏｓｔ               ｐｅｏｐｌｅ               ａｓｓｏｃｉａｔｅ               ｄｅｂｔ               ｗｉｔｈ               ｂｅｉｎｇ               ａ               ｂａｄ               ｔｈｉｎｇ,               ｂｕｔ               ｔｈｅｒｅ               ｉｓ               ｇｏｏｄ               ａｎｄ               ｂａｄ               ｄｅｂｔ.

    Ａ               ｍｏｒｔｇａｇｅ               ｉｓ               ａｎ               ｅｘａｍｐｌｅ               ｏｆ               ｇｏｏｄ               ｄｅｂｔ               ｂｅｃａｕｓｅ               ｙｏｕｒ               ｈｏｕｓｅ               ｗｉｌｌ               ｇｅｎｅｒａｌｌｙ               ｉｎｃｒｅａｓｅ               ｉｎ               ｖａｌｕｅ               ｏｖｅｒ               ｔｉｍｅ               ｕｎｌｅｓｓ               ｙｏｕ               ｄｏ               ｎｏｔ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｉｔ               ａｎｄ               ｍａｋｅ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｉｍｐｒｏｖｅｍｅｎｔｓ               ｔｏ               ｉｔ               ｗｈｅｎ               ｔｈｅｙ               ａｒｅ               ｎｅｅｄｅｄ,               ｌｉｋｅ               ｐａｉｎｔｉｎｇ               ｉｔ               ｅｖｅｒｙ               ｆｅｗ               ｙｅａｒｓ               ａｎｄ               ｒｅｐｌａｃｉｎｇ               ｔｈｅ               ｒｏｏｆ               ｗｈｅｎ               ｎｅｅｄｅｄ,               ｅｔｃ.

    Ｔｈｅｒｅ               ｗｉｌｌ               ｂｅ               ｔｉｍｅｓ               ｗｈｅｎ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｙｏｕｒ               ｈｏｕｓｅ               ｗｉｌｌ               ｄｅｃｒｅａｓｅ,               ｂｕｔ               ｉｆ               ｙｏｕ               ｌｉｖｅ               ｉｎ               ｙｏｕｒ               ｈｏｍｅ               ｆｏｒ               ｔｈｅ               ｔｈｉｒｔｙ               ｙｅａｒｓ               ｔｈａｔ               ｙｏｕ               ｈａｖｅ               ｙｏｕｒ               ｍｏｒｔｇａｇｅ,               ｙｏｕｒ               ｈｏｍｅ               ｗｉｌｌ               ｂｅ               ｗｏｒｔｈ               ｍｏｒｅ               ｔｈａｎ               ｉｔ               ｗａｓ               ｗｈｅｎ               ｙｏｕ               ｂｏｕｇｈｔ               ｉｔ.
                   Ａ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｏｒ               ｌｏａｎｓ               ｉｓ               ａｎｏｔｈｅｒ               ｅｘａｍｐｌｅ               ｏｆ               ｇｏｏｄ               ｄｅｂｔ               ｂｅｃａｕｓｅ               ｙｏｕ               ｕｓｅｄ               ｔｈｅ               ｌｏａｎ               ｔｏ               ｐａｙ               ｆｏｒ               ｔｈｅ               ｅｄｕｃａｔｉｏｎ               ｔｈａｔ               ｇｏｔ               ｙｏｕ               ｔｈｅ               ｊｏｂ               ｔｈａｔ               ｐａｙｓ               ａ               ｌｏｔ               ｍｏｒｅ               ｔｈａｎ               ｙｏｕ               ｗｏｕｌｄ               ｈａｖｅ               ｍａｄｅ               ｉｆ               ｙｏｕ               ｈａｄ               ｎｏｔ               ｗｅｎｔ               ｔｏ               ｃｏｌｌｅｇｅ.

    Ｏｎｃｅ               ｙｏｕ               ｐａｙ               ｏｆｆ               ｙｏｕｒ               ｌｏａｎｓ,               ｔｈｅ               ｍｏｎｅｙ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｍａｋｉｎｇ               ｉｓ               ｙｏｕｒｓ.

    Ｉｎ               ｇｅｎｅｒａｌ,               ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｄｅｂｔ               ｔｈａｔ               ｗａｓ               ｕｓｅｄ               ｔｏ               ｅｉｔｈｅｒ               ｐａｙ               ｆｏｒ               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｈｅｌｐｓ               ｙｏｕ               ｉｎｃｒｅａｓｅ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｏｒ               ｉｔ               ｄｉｒｅｃｔｌｙ               ｉｎｃｒｅａｓｅｓ               ｙｏｕｒ               ｉｎｃｏｍｅ,               ｉｔ               ｉｓ               ｃｏｎｓｉｄｅｒｅｄ               ｇｏｏｄ               ｄｅｂｔ.
                   Ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｉｔｈ               ａ               ｈｉｇｈ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｉｓ               ａｎ               ｅｘａｍｐｌｅ               ｏｆ               ｂａｄ               ｄｅｂｔ.

    Ｈａｖｉｎｇ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｉｓ               ａ               ｇｏｏｄ               ｔｈｉｎｇ,               ｂｕｔ               ｉｔ               ｓｈｏｕｌｄ               ｏｎｌｙ               ｂｅ               ｕｓｅｄ               ｗｈｅｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｃａｎ               ｂｅ               ｐａｉｄ               ｏｆｆ               ｂｅｆｏｒｅ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｂｉｌｌｉｎｇ               ｃｙｃｌｅ               ｔｏ               ａｖｏｉｄ               ｔｈｅ               ｉｎｔｅｒｅｓｔ.

    Ｉｆ               ｙｏｕ               ｎｅｅｄ               ｔｏ               ｕｓｅ               ｉｔ               ｆｏｒ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｓｕｃｈ               ａｓ               ｃａｒ               ｒｅｐａｉｒｓ               ｏｒ               ａ               ｍａｊｏｒ               ｈｏｍｅ               ｒｅｐａｉｒ,               ｂｅ               ｓｕｒｅ               ｔｏ               ｐａｙ               ｉｔ               ｏｆｆ               ａｓ               ｑｕｉｃｋｌｙ               ａｓ               ｐｏｓｓｉｂｌｅ.

    Ｍａｎｙ               ｐｅｏｐｌｅ               ｇｏ               ｄｅｅｐｌｙ               ｉｎｔｏ               ｄｅｂｔ               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｕｓｅ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｗｈｅｎ               ｔｈｅｙ               ｓｈｏｕｌｄ               ｎｏｔ               ｂｅ               ｓｐｅｎｄｉｎｇ               ｍｏｎｅｙ               ａｎｄ               ｂｅｆｏｒｅ               ｔｈｅｙ               ｋｎｏｗ               ｉｔ,               ｔｈｅｉｒ               ｃａｒｄ               ｉｓ               ｍａｘｅｄ               ｏｕｔ               ａｎｄ               ｔｈｅｙ               ｈａｖｅ               ｎｏ               ｗａｙ               ｏｆ               ｐａｙｉｎｇ               ｄｏｗｎ               ｔｈｅ               ｂａｌａｎｃｅ               ｑｕｉｃｋｌｙ               ｅｎｏｕｇｈ.
                   Ｓｏｍｅ               ｔｙｐｅｓ               ｏｆ               ｃａｒ               ｌｏａｎｓ               ｃａｎ               ｂｅ               ｃｏｎｓｉｄｅｒｅｄ               ｂａｄ               ｄｅｂｔ               ａｌｓｏ,               ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｈｏｗ               ｔｈｅ               ｃａｒ               ｌｏａｎ               ｈｅｌｐｓ               ｙｏｕ               ｉｎｃｒｅａｓｅ               ｙｏｕｒ               ｉｎｃｏｍｅ.

    Ｇｅｔｔｉｎｇ               ａ               ｃａｒ               ｔｏ               ｍａｋｅ               ｉｔ               ｂａｃｋ               ａｎｄ               ｆｏｒｔｈ               ｔｏ               ｗｏｒｋ               ｉｓ               ａ               ｇｏｏｄ               ｄｅｂｔ,               ｂｕｔ               ｇｅｔｔｉｎｇ               ｔｈｅ               ｆｌａｓｈｉｅｓｔ               ｃａｒ               ｏｎ               ｔｈｅ               ｌｏｔ               ｗｈｅｎ               ａ               ｃａｒ               ｌｅｓｓ               ｔｈａｎ               ｈａｌｆ               ｏｆ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｔｈｅ               ｆｌａｓｈｙ               ｏｎｅ               ｗｉｌｌ               ｄｏ               ｉｓ               ｂａｄ               ｄｅｂｔ.

    Ｉｆ               ｙｏｕ               ｎｅｅｄ               ａ               ｃａｒ               ｆｏｒ               ｔｒａｎｓｐｏｒｔａｔｉｏｎ               ｔｈｅｎ               ｙｏｕ               ｓｈｏｕｌｄ               ｇｅｔ               ｏｎｅ,               ｂｕｔ               ｃｏｎｓｉｄｅｒ               ｔｈｉｎｇｓ               ｌｉｋｅ               ｈｏｗ               ｎｉｃｅ               ｏｆ               ａ               ｃａｒ               ｙｏｕ               ａｃｔｕａｌｌｙ               ｎｅｅｄ               ｖｅｒｓｕｓ               ｈｏｗ               ｎｉｃｅ               ｏｆ               ａ               ｃａｒ               ｙｏｕ               ｗａｎｔ               ａｎｄ               ｈｏｗ               ｇｏｏｄ               ｔｈｅ               ｃａｒ               ｉｓ               ｏｎ               ｇａｓ               ａｎｄ               ｈｏｗ               ｃｏｓｔｌｙ               ｔｈｅ               ｒｅｐａｉｒｓ               ａｎｄ               ｍａｉｎｔｅｎａｎｃｅ               ａｒｅ.

    Ｔｈｅｓｅ               ａｒｅ               ａｌｌ               ｔｈｉｎｇｓ               ｔｏ               ｃｏｎｓｉｄｅｒ               ｗｈｅｎ               ｄｅｃｉｄｉｎｇ               ｏｎ               ｔｈｅ               ｔｙｐｅ               ｏｆ               ｃａｒ               ｔｏ               ｇｅｔ.

    Ｉｆ               ｙｏｕ               ｗａｎｔ               ａ               ｒｅａｌｌｙ               ｎｉｃｅ               ｃａｒ               ａｎｄ               ｙｏｕ               ｈａｖｅ               ｅｎｏｕｇｈ               ｉｎｃｏｍｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｌｏａｎ,               ｂｕｔ               ｙｏｕ               ｈａｖｅ               ａ               ｌｏｔ               ｏｆ               ｏｔｈｅｒ               ｄｅｂｔ               ｔｈａｔ               ｉｓ               ｄｒｉｖｉｎｇ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｄｏｗｎ               ｗｈｉｃｈ               ｒｅｓｕｌｔｓ               ｉｎ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ,               ｇｅｔ               ｔｈｅ               ｃｈｅａｐｅｒ               ｃａｒ               ａｎｄ               ｓｔｒａｉｇｈｔｅｎ               ｏｕｔ               ｓｏｍｅ               ｏｆ               ｙｏｕｒ               ｏｔｈｅｒ               ｄｅｂｔ.

    Ｏｎｃｅ               ｙｏｕ               ｇｅｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｄｏｗｎ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ｂｕｙ               ａ               ｎｉｃｅｒ               ｃａｒ               ｗｉｔｈ               ａ               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.
                   Ｔｈｅ               ｓｕｂｊｅｃｔ               ｏｆ               ｃｒｅｄｉｔ               ｓｃｏｒｅｓ               ａｎｄ               ｄｅｂｔ               ｃａｎ               ｂｅ               ｃｏｎｆｕｓｉｎｇ               ｔｏ               ｓｏｍｅ               ｐｅｏｐｌｅ,               ｂｕｔ               ｉｆ               ｙｏｕ               ｏｎｌｙ               ｈａｖｅ               ｄｅｂｔ               ｔｈａｔ               ｙｏｕ               ｎｅｅｄ,               ｓｕｃｈ               ａｓ               ａ               ｈｏｕｓｅ               ａｎｄ               ａ               ｃａｒ               ａｎｄ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｏｒ               ｔｗｏ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｏｎ               ｙｏｕｒ               ｗａｙ               ｔｏ               ａ               ｂｅｔｔｅｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

    Ｊｕｓｔ               ｒｅｍｅｍｂｅｒ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｐａｙｍｅｎｔｓ               ｏｎ               ｔｉｍｅ.






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    good debt and bad debt
    good debt and bad debt


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    good debt and bad debt
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    good debt and bad debt
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    good debt and bad debt
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    4. adrianhoo.blogspot.com/   02/24/2009
      ... start by understanding debt which can be differentiated by good debt and bad debt. Good debt is something that helps you achieve your goals and...
    5. adrianhoo.blogspot.com/   02/25/2009
      ... good and bad debt, how do we make them...monthly payments and hence the extra money would help you consolidate on your bad debt (example - credit card ...
    6. debtfreedude.wordpress.com/   05/22/2010
      Good debt. Bad debt. What does this mean...much, I would consider them bad debt as well. Where I differ is on what they call good debt. Student loans Business...
    7. workingforagoal.blogspot.com/   08/21/2013
      ...discussion with a friend, and had all...with the title. "Good debts" vs "Bad debts... wisely. And that's what I think... of debt. On the ...
    8. debt-cures.blogspot.com/   01/08/2009
      ... us good news when it ..., and 19% cancelling...of bills, debts and work. It’s... nothing but bad news for people in...
    9. 300ysbestsellersbusinessbooks.blogspot.com/   11/06/2010
      ...from the book "Good Debt, Bad Debt" by Jon Hanson. So whats the difference between good debt and bad debt? It is about how you invest the money you borrow! Being in debt ...
    10. askunclebill.typepad.com/my_weblog/   01/15/2007
      ...made an argument for debt over the weekend. And lost. Here's the... which is not bad. The problem is...but after that, zip. The good thing is that junior...

      11. Good Debt And Bad Debt - Blog Homepage Results

      $47,700 and Falling!byHolly
      http://downwithmydebt.blogspot.com/
      Follow along as I work hard to eliminate nearly $50k in bad debt, improve my credit score, and learn good lessons from digging out of the hole I created by ...
      The Misery of MoneybyKrystin
      http://miseryofmoney.blogspot.com/
      Our Journey to becoming less haunted by debt. There will be good times, and I'm sure bad, but in the end we hope to bring our debt down and manage our financial lives responsibly.
      success parenting: four foundations of adult achievementbywhatkidsneedtosucceed
      http://whatkidsneedtosucceed.wordpress.com/
      ...Will Be Mine? Exploring Hard Work for Debt-free Future Love Ya, Girlfriend! Time to Stop...Subscription Enter your email address to follow this blog and receive notifications of new ...
      more Good Debt And Bad Debt Blogs



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    오후 3:34

    By Anabel Buske

    In: , , , , , , ,

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    About 'bad debt ratio'|... will not completely dry up, still a fall in energy prices would be bad for CESV, while a rise would be good. A final catalyst which could significantly improve both...







    About 'bad debt ratio'|... will not completely dry up, still a fall in energy prices would be bad for CESV, while a rise would be good. A final catalyst which could significantly improve both...








    Ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅｓ               ａｒｅ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｈｅｌｐ               ｐｅｏｐｌｅ               ｗｉｔｈ               ｓｔｒｕｇｇｌｉｎｇ               ｃｒｅｄｉｔ               ｒｅｔａｉｎ               ｔｈｅｉｒ               ｈｏｍｅｓ               ａｎｄ               ｔｈｅｉｒ               ｉｎｖｅｓｔｍｅｎｔ               ｉｎ               ｔｈｅｍ.

    Ｗｈｉｌｅ               ｍａｎｙ               ｌｅｎｄｅｒｓ               ｍａｙ               ｎｏｔ               ｂｅ               ｗｉｌｌｉｎｇ               ｔｏ               ａｓｓｉｓｔ               ｔｈｏｓｅ               ｈｏｕｓｅｈｏｌｄｓ               ｗｉｔｈ               ｃｒｅｄｉｔ               ｓｃｏｒｅｓ               ｂｅｌｏｗ               700               ｅｖｅｎ               ｗｉｔｈ               ｇｏｏｄ               ｅｑｕｉｔｙ;               ａ               ｌｅｎｄｅｒ               ｓｐｅｃｉａｌｉｚｉｎｇ               ｉｎ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅｓ               ｗｉｌｌ.

    Ｌｏｃａｔｉｎｇ               ｔｈｅ               ｒｉｇｈｔ               ｌｅｎｄｅｒ               ｃａｎ               ｂｅ               ｐｒｏｂｌｅｍａｔｉｃ,               ｂｕｔ               ｗｉｔｈ               ｔｈｅ               ｉｎｔｅｒｎｅｔ,               ｔｈｅｒｅ               ｉｓ               ａｎ               ｅａｓｙ               ｍｅｔｈｏｄ               ｏｆ               ｓｅａｒｃｈｉｎｇ               ｆｏｒ               ｈｅｌｐ               ｆｒｏｍ               ｔｈｅ               ｐｒｉｖａｃｙ               ｏｆ               ｙｏｕｒ               ｈｏｍｅ               ｏｒ               ｏｆｆｉｃｅ.

    Ｊｕｓｔ               ｔｙｐｉｎｇ               "ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅ"               ｉｎ               ｙｏｕｒ               ｂｒｏｗｓｅｒ'ｓ               ｓｅａｒｃｈ               ｂａｒ               ｗｉｌｌ               ｙｉｅｌｄ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｒｅｓｕｌｔｓ.

    Ｉｎ               ａｄｄｉｔｉｏｎ,               ｔｈｅ               ｗｅｂ               ｐｒｏｖｉｄｅｓ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｍｏｒｔｇａｇｅ               ｃａｌｃｕｌａｔｏｒｓ               ａｎｄ               ｒｅｖｉｅｗｓ               ｏｎ               ｔｈｅ               ｐｒｏｓｐｅｃｔｉｖｅ               ｌｅｎｄｅｒｓ               ｙｏｕ               ａｒｅ               ｃｏｎｓｉｄｅｒｉｎｇ.

    Ｔｏｏｌｓ               ｔｏ               ａｓｓｉｓｔ               ｙｏｕ               ｉｎ               ｂｕｄｇｅｔｉｎｇ               ａｎｄ               ｅｖａｌｕａｔｉｎｇ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｒｅｆｉｎａｎｃｉｎｇ               ａｒｅ               ａｌｓｏ               ａｖａｉｌａｂｌｅ.
                   Ｃａｎ               ａｎ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅ               ｉｍｐａｃｔ               ｍｙ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｆｏｒ               ｔｈｅ               ｇｏｏｄ?

    Ｙｅｓ,               ｏｎｅ               ｍｅａｎｓ               ｉｓ               ｂｙ               ａｄｄｉｎｇ               ａｎｏｔｈｅｒ               ｓａｔｉｓｆｉｅｄ               ｌｅｎｄｅｒ               ｔｏ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ.

    Ｗｉｔｈ               ｙｏｕｒ               ｎｅｗ               ｆｉｎａｎｃｉｎｇ'ｓ               ａｐｐｒｏｖａｌ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｐａｙｉｎｇ               ｏｆｆ               ｔｈｅ               ｐｒｅｖｉｏｕｓ               ｌｅｎｄｅｒ;               ｓｈｏｗｉｎｇ               ａ               ｐｏｓｉｔｉｖｅ               ｏｕｔｃｏｍｅ               ｉｎ               ｙｏｕｒ               ｈｉｓｔｏｒｙ.

    Ｗｉｔｈ               ｔｏｄａｙ'ｓ               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ,               ｉｔ               ｉｓ               ｐｏｓｓｉｂｌｅ               ｔｈａｔ               ｙｏｕｒ               ｎｅｗ               ｐａｙｍｅｎｔ               ｍａｙ               ｂｅ               ｌｏｗｅｒ               ａｎｄ               ｔｈａｔ               ｗｉｌｌ               ｉｎｃｒｅａｓｅ               ｙｏｕｒ               ｉｎｃｏｍｅ               ｔｏ               ｄｅｂｔ               ｒａｔｉｏ;               ｆｕｒｔｈｅｒ               ｉｎｃｒｅａｓｉｎｇ               ｙｏｕｒ               ｓｃｏｒｅ.
                   Ｉｆ               ｌｏｗｅｒ               ｐａｙｍｅｎｔｓ               ａｒｅ               ｙｏｕｒ               ｇｏａｌ               ａｎｄ               ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ｐａｙｉｎｇ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｙｅａｒｓ               ｉｎｔｏ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｌｏａｎ,               ｔｈｅｎ               ｒｅｍｏｒｔｇａｇｉｎｇ,               ｅｖｅｎ               ｗｉｔｈ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｉｓ               ａ               ｐｏｓｓｉｂｌｅ               ｓｏｌｕｔｉｏｎ.

    Ｆｏｒ               ｅｘａｍｐｌｅ,               ｉｆ               ｙｏｕ               ｈａｖｅ               20               ｙｅａｒｓ               ｌｅｆｔ               ｏｎ               ｙｏｕｒ               30               ｙｅａｒ               ｍｏｒｔｇａｇｅ,               ｔｈｅｒｅ               ｍａｙ               ｂｅ               ｓｕｆｆｉｃｉｅｎｔ               ｅｑｕｉｔｙ               ｔｏ               ｑｕａｌｉｆｙ               ｆｏｒ               ａ               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ,               ａｎｄ               ｒｅｆｉｎａｎｃｉｎｇ               ｔｈｅ               ｂａｌａｎｃｅ               ｆｏｒ               30               ｙｅａｒｓ               ｓｈｏｕｌｄ               ｒｅｓｕｌｔ               ｉｎ               ａ               ｌｏｗｅｒ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔ.

    Ｉｆ               ｙｏｕ               ａｒｅ               ｃｕｒｒｅｎｔｌｙ               ｉｎ               ａ               15               ｏｒ               20               ｙｅａｒ               ｍｏｒｔｇａｇｅ,               ｒｅｆｉｎａｎｃｉｎｇ               ｔｏ               30               ｙｅａｒｓ               ｍａｙ               ｈａｖｅ               ｔｈｅ               ｓａｍｅ               ｒｅｓｕｌｔ               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｎｏｔ               ｈａｄ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｍｏｒｔｇａｇｅ               ｖｅｒｙ               ｌｏｎｇ.
                   Ｉｎ               ｏｂｔａｉｎｉｎｇ               ａｎ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅ,               ｔｉｍｅ               ｉｓ               ｏｆ               ｔｈｅ               ｅｓｓｅｎｃｅ.

    Ｉｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃｈａｌｌｅｎｇｅ               ｉｓ               ｄｕｅ               ｔｏ               ｕｎｅｍｐｌｏｙｍｅｎｔ               ｏｒ               ｕｎｆｏｒｅｓｅｅｎ               ｆｉｎａｎｃｉａｌ               ｅｍｅｒｇｅｎｃｙ,               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｗｉｌｌ               ｄｒｏｐ               ａｓ               ｔｉｍｅ               ｇｏｅｓ               ｂｙ               ａｎｄ               ｄｅｌｉｎｑｕｅｎｃｉｅｓ               ｐｉｌｅ               ｕｐ.

    Ｉｔ               ｉｓ               ｉｍｐｅｒａｔｉｖｅ               ｔｈａｔ               ｙｏｕ               ｓｅｅｋ               ｙｏｕｒ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅ               ａｓ               ｓｏｏｎ               ａｓ               ｐｏｓｓｉｂｌｅ               ｗｈｉｌｅ               ｙｏｕｒ               ｓｃｏｒｅｓ               ａｒｅ               ｒｅｌａｔｉｖｅｌｙ               ｈｉｇｈ               ｔｏ               ｏｂｔａｉｎ               ｔｈｅ               ｂｅｓｔ               ｔｅｒｍｓ.

    Ｙｏｕ               ｓｈｏｕｌｄ               ａｌｓｏ               ｓｅｅｋ               ｒｅｆｉｎａｎｃｉｎｇ               ｏｎ               ｏｔｈｅｒ               ｄｅｂｔｓ               ａｓ               ｗｅｌｌ               ｆｏｒ               ｔｈｅ               ｓａｍｅ               ｒｅａｓｏｎｓ;               ｔｈｅ               ｈｉｇｈｅｒ               ｙｏｕｒ               ｓｃｏｒｅ,               ｔｈｅ               ｂｅｔｔｅｒ               ｔｈｅ               ｔｅｒｍｓ.
                   Ｉｆ               ｙｏｕ               ｍｕｓｔ               ｓｅｅｋ               ａｎ               ａｄｖｅｒｓｅ               ｃｒｅｄｉｔ               ｒｅｍｏｒｔｇａｇｅ,               ｄｏｎ'ｔ               ｏｖｅｒｌｏｏｋ               ｔｈｅ               ｐｏｓｓｉｂｉｌｉｔｙ               ｔｈａｔ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｌｅｎｄｅｒ               ｍａｙ               ｂｅ               ａｂｌｅ               ｔｏ               ａｓｓｉｓｔ               ｙｏｕ.

    Ｍｏｒｔｇａｇｅ               ｌｅｎｄｅｒｓ               ａｒｅ               ｎｏｔ               ｉｎ               ｔｈｅ               ｒｅａｌ               ｅｓｔａｔｅ               ｂｕｓｉｎｅｓｓ               ａｎｄ               ｔｈｅｙ               ｗｉｌｌ               ｇｏ               ｔｏ               ｃｏｎｓｉｄｅｒａｂｌｅ               ｌｅｎｇｔｈｓ               ｔｏ               ｋｅｅｐ               ａ               ｌｏａｎ               ａｃｔｉｖｅ               ａｎｄ               ｃｕｒｒｅｎｔ               ｏｎ               ｔｈｅｉｒ               ｂｏｏｋｓ;               ｅｖｅｎ               ｉｆ               ｔｈａｔ               ｍｅａｎｓ               ｒｅｆｉｎａｎｃｉｎｇ               ａ               ｃｕｒｒｅｎｔ               ｃｕｓｔｏｍｅｒ               ｗｉｔｈ               ｌｅｓｓ               ｔｈａｎ               ｐｅｒｆｅｃｔ               ｃｒｅｄｉｔ.






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    1. jamillerrampant.blogspot.com/   03/31/2010
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    2. econochina.wordpress.com/   08/17/2010
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      .... Anything over 35% of GDP as a debt ratio is basically unsustainable. The foolish people...hospital to collect, or continue to try and collect bad debts. They are enforcers...
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