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The activities of debt collectors in Texas are regulated by the Texas Debt Collection Act.The Act prohibits the use of fraudulent and abusive collection tactics by individuals or corporations to obtain payment on outstanding debts against a debtor.Generally speaking, collectors can not call you at all hours of the day and night.They can not keep calling your place of employment to confirm your employment status.Often in life, debt can seem overwhelming; credit cards, late payments, medical bills and overdue accounts can add up.If you find yourself swimming in debt and unsure how to escape, debt management services offer solutions.It is unlawful for a debt collector to attempt to collect more than the amount originally agreed upon – whether the agreement was in writing or not.However, the debt may be increased by the addition of attorney fees, investigation fees, service fees, collection fees, or other charges if a written contract authorizes the additional charges.
Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 systems.
The agency should be organized, send payments and statements on time and offer strong consumer education and support. The payment is usually around 2.5 percent of the total debt, though in hardship situations, there is some wiggle room. Why consolidate bills if you can't pay for basic expenses or if there are better alternatives?
You can stop the plan at any time, and you can also pay more -- and get out of debt faster -- when you have extra funds. You wouldn't, which is the reason consolidation begins with a counseling appointment where your entire financial situation is assessed.
Many of us have been where you are today, and understand the emotional burden that debt can place on a person.
Please contact us so that together, we can find a better way out of debt. We're so confident that we can help you achieve your goal of becoming debt-free in a reasonable time, that we back it up with a 6-month 100% money back guarantee on the services, support, and benefits you receive.
Then the debt collector will try to collect the debt, up to the full amount, from you.