Credit Smart by Gudrun Nickel

By Gudrun Nickel

MAKE credits paintings FOR YOU!Written via an legal professional, in basic, easy-to-understand language, credits shrewdpermanent takes you from studying approximately credits background and the credits program technique to utilizing credits responsibly.- From facing enterprise debt and baby aid to dealing with assortment businesses- From realizing personal loan specifications to becoming credits very easily and essentially into your lifeGet your credits lower than keep watch over with credits Smart-the very important software for facing credits and credits concerns. CreditSmart contains info about:--Credit bureaus --Student loans--Loan disclosures--Effects marriage has on credits and debt--Secured accounts --Effects divorce has on credits and debt--Credit reviews --Fair Debt Collections Act--Credit cards--Consumer credits safety ActUnderstand your rights-protect your monetary destiny

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If operating as a sole proprietorship, you will be held personally responsible for any contract or agreement you enter into. Likewise, signing as a partner does not protect you from personal liability; all partners are usually responsible for partnership debt. 26 • C R E D I T S M A R T Corporation You may have set up your business as a corporation, which is considered a separate, legal entity. Although a corporation usually shields its stockholders/owners from liability, you may still have personal liability as an officer or director.

The best credit fix is a disciplined budget and an effort to negotiate with and payoff your outstanding debts. The credit repair service (which will undoubtedly charge you a fee) may become another creditor. Q Several months ago I was having difficulty paying some of my bills because my hours at work were cut back, and I received letters from a collection agency threatening me with a lawsuit if I did not pay. Can you explain what a collection agency is? A A collection agency is a business that earns money by collecting debts for other people.

The combination of information allows the bank or lender to plan its collection efforts on an individual basis. The information also helps the bank or lender decide whether to assign a case to a collection agency, and even suggests how the collection agency should handle the case. New computer software helps lenders predict which cases are likely to end in repossession of the property, and puts the lender on notice to act immediately when a payment is late. Unsecured Debt An unsecured loan is one for which the lender has taken no collateral.

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