Free Credit Counseling

Tips On Defending Yourself From A Creditor Lawsuit

            First, a disclaimer. I am a credit counselor and not an attorney. So please do not use this article as legal advice. That having been said, in keeping with the theme of our newsletter, that being, to empower individuals to live free from the oppression of debt, I found an excellent source of information on this topic, and would like to pass it on. Before I give you the link, I would like to say a few words on this topic. Most debtors sued by credit card companies and car repossessions do not have the funds to hire an attorney. It is quite common for people to defend themselves from a lawsuit started by a creditor (credit card company, collector). The purpose of this article is to empower you to gain the necessary knowledge to defend yourself successfully. As an example, did you know that if you are sued for a deficiency judgment because of a car repossession ( deficiency means the car was sold for less than you owed), that if it was sold for to low a price this may be grounds for a successful defense of the lawsuit?

           The website I came across applies to New York City only, however, it contains a wealth of general information that applies to anywhere in the US.
The link is: http://www.nedap.org/hotline/clbasics.html .
  
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Written By:
Steven Ciantro
American Debt Enders
Help@Americandebtenders.com
Member National Association of Certified Credit Counselors

This article may be reproduced in whole provided the entire signature line including this permission line is included.

Have A Cell Phone Contract You Need To Get Out Of? Here's How.

        Short and sweet, here is some very practical advice.

        Cutting Costs often involves terminating unnecessary services such as cable T.V.,
lawn care, etc. If cell phone use is not part of your job, your cellular phone service would
also fall into the non-essential category. However, it's not always easy to hang up on a twoyear service contract that comes with heft penalties and fees for early termination.

        Consumers can now utilize a new service to avoid the $175. to $200. early termination penalty.
For a $19.95 fee, Celltradeusa.com finds people to take on your existing contract thereby satisfying the
cell companies bottom line. Reports indicate that it is fast and easy and can be accomplished completely
online.

        If you feel you still need a cell phone for emergencies you can always use pre-paid minutes,
purchased from your cell phone provider. There is no contract involved in pre-paid minutes.
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Written By:
Steven Ciantro
American Debt Enders
Member National Association of Certified Credit Counselors
Help@americandebtenders.com

This article may be reproduced in its entirety provided the entire signature line including this
permission line is included.