My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors - particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: "You're going to go to jail if you don't pay this" is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.) Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the "Help With Credit" link at the top.) To the scum ...
http://leafgardenpress.com/ Dave Ramsey - Credit Card/Debt Collectors are SCUM
... with an average of nearly $ 40000 of debt. Most of this debt has been accrued through student loans ($ 27029); however, recent graduates also leaned heavily on other debt â€' like credit cards â€' to get them through college, amassing an average of ... Student Loans + Credit Card Debt = Stress
It can be difficult to interpret figures when it comes to credit card debt in America. One news source reports that debt increased by 424% in 2011 compared with the previous year, while another says that credit card debt is stable. Obviously it's hard to know which numbers to trust. But there are a few trends that remain consistent among different data sources, and these can lend us some insight into the state of credit card in America. What can you take away from all the seemingly conflicted data about loans and outstanding debt in the U.S. today? A few things:
1.  A lot of bad credit card debt was written off in the last two years. Following what is now known as the "Great Recession," card issuers were aggressive in purging the debts that no one expected them to recoup from their books. Credit card companies are healthier than they have been in years, and are actively seeking new business as a result.
2.  Credit scores tend to be higher in states with higher amounts of credit card debt. That's because these states also tend to have higher costs of living, and the average mortgage also tends to be higher. That flies in the face of conventional wisdom, which says that having and maintaining a great credit rating is key to success in life. If you live in a state like Mississippi, Arkansas, or Louisiana, chances are you'll need less money to buy a home than in more expensive states like California and Massachusetts. Â
3.  If your spending habits were formed during the good ol' days of the housing bubble, you may have to accept a lower standard of living. Charging the previous standard of living to your card will end you up in a lot of debt just like it always did. Some things really do never change.
Question by clrell: What percentage of Americans have credit card debt, I need statistics on credit debt.? please give me the links for the websites....thanks in advance Best answer for What percentage of Americans have credit card debt, I need statistics on credit debt.?:
Answer by Zarg222
google it
Answer by Toni
47% of Americans pay their credit cards in full each month. Google: Statistics on credit card debt...
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