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Sometimes it’s the result of medical expenses or unemployment. In every case, the way to fix your money problems is not just to eliminate what you owe, but to also address the issues that put you in debt in the first place. The truth is, most people with serious money problems do not intend to be in debt, they just end up there.There are two main types of personal bankruptcy: A debt collector generally is a person or company that regularly collects debts owed to others, usually when those debts are past-due.This includes collection agencies, lawyers who collect debts as part of their business, and companies that buy delinquent debts and then try to collect them.Credit counseling services provide various resources to help solve your money problems.
If you believe there are errors in your credit report you must notify the credit bureau in writing.The average American family carries just over ,500 in credit card debt, and most carry their balances from month to month.If you're in this situation and you don't see it changing anytime soon, it's time to seriously consider taking action to get the debt relief you need to regain control of your finances.Remember when you got your first credit card, promising yourself that you'd pay it off IN FULL every month?You probably did that for the first month or two, or maybe even for the first year. Your washer or dryer broke, or your car's transmission died, or your child needed medical care – or it could have been any combination of a thousand legitimate emergencies, but it meant you started to carry a balance on the account. Before we know it, our credit card balances are just too high to even consider paying off in full at the end of the month, and we come to the sad realization that we are, in fact, buried in credit card debt - the very thing we promised ourselves would never happen.