Tag: Michael Ramos

Get the errant debt collector off your back

Get the errant debt collector off your back! A lot of consumers are receiving collection letters for debts they never heard of. Many times this comes from “skip tracing,” when a collector cannot find the consumers who owes them money.…

Credit is not a barrier to home ownership

Many consumers do not believe they can own a home due to their credit. I have seen consumers who thought their credit – because of past collections, tax liens or judgments – would keep them buying a house for seven…

There is life after bankruptcy

Bankruptcy is a word that scares many people, and those who have already filed bankruptcy often think their life is over for the next 10 years. This couldn’t be further from the truth. Let’s start off with the most commonly…

The ins and outs of credit closure

The ins and outs of credit closure.  A credit card is a helpful tool to aid in the ascension of any consumer’s credit score. A revolving account, such as a credit card, is the only way to establish length in…

Simple tips prevent ID theft

Identity theft is an issue reaching epidemic proportions. It is an invasion of legal privacy and can fell like a personal violation as well. Yet there are things to prevent it.  There are simple tips to prevent ID theft. Be…

To Whom It Will Concern

Date: Re; Acct# Your name Address The company name Address To whom it may concern: This will serve as your legal notice under Federal Fair Debt Collection Practices Act (FDCPA) to cease all communication with me in regard to the…