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When Does Exeter Finance Repo Cars?
Exeter Finance typically begins repossession after 30-60 days of missed payments. Contact them immediately to arrange a hardship plan and avoid losing the car.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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How to Cancel JCPenney Credit Card
Cancel a JCPenney credit card by calling Synchrony Bank or mailing a letter to the billing statement address. Closing the account won't erase the balance owed.
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Liquidated Debt vs. Unliquidated Debt
Liquidated debt has a fixed, agreed-upon amount (like a credit card balance); unliquidated debt has a disputed or variable amount needing court determination.
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What to Do If a Collector Tries to Collect a Discharged Debt
If a collector tries to collect a discharged debt, send written notice of your bankruptcy discharge order and report violations to the CFPB and FTC.
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How to Apply For Unemployment Benefits in Florida
Apply for UI in Florida via CONNECT online within a week of unemployment. To apply, create an account or call 800-681-8102 for assistance.
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How to Discharge a Debt with UCC
Pay off UCC-secured debt to discharge it. Bankruptcy won't eliminate it since lenders use UCC liens as collateral. You can also negotiate a new payment plan.
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How to Settle Debt with a Reduced Lump Sum Payment
Settle debt with a reduced lump-sum payment by negotiating with the creditor, offering 40-60% of the balance, and getting the agreement in writing.
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How to Dispute a Debt and Win
To dispute a debt, check the debt collection notice for mistakes and send a Debt Validation Letter to force collectors to verify the debt.
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How to Respond to Plaintiff's Counsel
Respond to plaintiff's counsel professionally and in writing; if sued, all communication should reference the case number and go through proper channels.
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Tax Debt Compromise Program Scam
Beware of tax debt compromise program scams and know that the IRS never calls you demanding immediate payment with a specific payment method.
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How to Perform Voluntary Repossession
To surrender your car, inform the lender of inability to pay, arrange voluntary repo, record details of surrender, and pay off the sale-loan difference/fees.
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How to Negotiate a Lien on a House
When you negotiate a payment plan with a lienholder, always start off with a small percentage of the debt you owe.