If you’ve missed credit card payments, or other loan payments consistently, your account may have been sent to a collection agency.  Collection agencies contact debtors all the time and try to get payment, or to pay off on the loan.

Some of them are fair in their practices and others are not.  Many of them try to get you emotional and scare you into paying.  However, fair debt collection practices establish that a debtor cannot be harassed by a debt collector.  If you’re being harassed take action by reporting them to the Fair Debt Collection Agency before doing anything else!  Read more... (949 words, 11 images, estimated 3:48 mins reading time)

• Be a Blog Award Voter - Please! It's not American Idol but almost. OK, not even almost. Here's the situation: Tough Money Love has been named a finalist for a Plutus Award in two separate categories:  "Most Controversial Personal Finance Blog" and "Best Personal Finance Blog for Retirement." My Go To Retirement blog has also been named......
• Balancing Good Vs. Bad Debt In This Economy. Every headline you read about personal finance right now says to get out of debt. With the economy crashing, the last thing you want to carry with you is debt, right? Well, yes and no - you do want to get rid of any credit card debt, for sure. But......

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This article was written by Peter Anderson. Peter Anderson is a Christian, husband to his beautiful wife Maria, and loves reading and writing about personal finance. You can find out more about him on the about page or check out his other sites at http://www.quicktofit.com and http://www.logosforwebsites.com. You can also follow him on Twitter at @moneymatters.

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