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WWW.SH.REALRESULT.US - CONSOLIDATION DEBT, DEBT, CONSOLIDATION DEBT LOAN, CONSOLIDATE DEBT, CARD CREDIT DEBT, BUSINESS DEBT. - Debt Management Operation Settles FTC Charges A credit counseling agency and several companies related to the agency have agreed to settle Federal Trade Commission charges that they deceptively marketed themselves as a notforprofit enterprise in order to convince consumers to enroll in debt management plans and then failed provide the promised personalized credit counseling and interest rate reductions.
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| 31.07.2010 | 561 | 03:59:07 |
| Debt In pAccording to the FTC Integrated Credit Solutions Inc. solicited consumers for Lighthouse Credit Foundation Incs debt management plans by leaving prerecorded messages on consumers answering machines stating that the consumer had been approved through a certified nonprofit nationwide program to consolidate credit card debt before the next billing cycle at lower than normal interest rates. |
| Advice Debt People who responded to the messages were told that the program included counseling on how to manage finances and that a monthly administrative fee was taxdeductible because Lighthouse was a nonprofit organization. Debt In. Consumers agreed to pay large fees to enroll in debt management plans based on these representations the complaint alleges. |
| Debt Reduction Tax The FTCs complaint alleges that Lighthous neither provided the promised interest rate reductions nor was it able to lower interest rates before the consumers next billing cycle; it typically takes up to three to four billing cycles before interest rates can be reduced under a debt management plan. Consumers were not provided with financial counseling and the monthly administrative fee was not taxdeductible. Advice Debt. Be Wary of Scams Claiming to Provide Better Gas Mileage Gas prices are up and so is the number of scams for gassaving products. |
| Consolidation Debt Loan Personal When gas prices rise consumers often look for ways to improve their gas milage; The Federal Trade Commission (FTC) warns you to be wary of any gassaving claims for automotive devices or gas additives. It if sounds too good to be true it probably is and if it worked dont you think your car would be equipped with it already? The following are some things you can do to improve your fuel efficiency without pulling out your credit card first: Stay within posted speed limits. Debt Reduction Tax. The faster you drive the more fuel you use. |
| Consolidation Debt Loan Unsecured Your cars engine speed decreases when you use overdrive. Debt In. This reduces both fuel consumption and engine wear. |
| Debt Elimination Remove excess weight from the trunk. Avoid carrying unneeded items especially heavy ones. Debt In. Follow the recommended maintenance schedule in your owners manual; youll save fuel and your car will run better and last longer. |
| Company Consolidation Debt Keep your tires properly inflated and aligned. Debt In. Are You Drowning in Debt? If so youre not alone; almost twothirds of Americans live from paychecktopaycheck. |
| Consolidation Debt Free The average household income decreased approximately 3% from 2000 to 2004 savings rates for Americans are at the lowest theyve been in nearly 75 years and credit card debt is at an all time high averaging $9312 per household. There are several ways to deal with your debt that can help you get a handle on it and help you start increasing your savings while reducing your debt. Debt In. With everything going up except wages the earlier you get your debt under control the more youll have at the end of every month to add to your savings account. |
| Consolidation Debt Online May and June are traditional months for weddings; if youre planning to get married or have recently gotten married and will be changing your last name (yes this includes hypenating your names) you should notify each of the three major credit reporting agencies in writing of your name change so they wont mistakenly leave accounts out of your credit report that were opened under your unmarried name. The length of your credit history makes up about 15% of your overall credit score so youll want to make sure all of your accounts are included under your married name. Oh and congratulations! Opting Out of Credit Card Offers Banks and credit card issuers in the United States send out approximately five and half billion credit card offers a year via the mail. Debt In. Some of these offers can fall into the hands of thieves who use these preapproved offers to steal your identity by having credit cards issued in your name. |
| Debt Negotiation, Debt Diet There are several ways to opt out of having your name incuded in marketing lists each of the consumer reporting agencies provide to credit card issuers. Debt In. You can write to each of the credit bureaus requesting that your name be removed from their marketing lists or you can call 18885OPTOUT which will remove you from the marketing lists provided by all three credit reporting agencies for 5 years; if you wish to have your name removed permanently you will be mailed a form that youll need to fill out and send back. Debt Reduction Tax. Be Wary of Free Credit Report Sites The Fair and Accurate Credit Transactions Act of 2004 (FACTA) gives each consumer the right to request a free copy of their credit report from each of the three major credit bureaus on an annual basis. Consolidation Debt Loan Personal. The official site for free credit reports is www. Debt In. you will never receive unsolicited emails or popup ads from the official site. |
