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New Articles:

The Fair Credit Reporting Act

What is fair debt collection?

Debt Analysis and Your Options to Eliminate Your Debt.

What is Bankruptcy?

How is my credit determined?

Getting a Debt Consolidation Loan

How to find a bankruptcy lawyer

What is a good credit score?

How to fix common credit report problems.

How to raise your credit score.

Where to get your credit report online.

The Statute of Limitations and Debt Collection

What is Credit Counseling

How To Find A Reputable Credit Counseling Service

Credit Counseling FAQ

Is Credit Couseling Right For You




Living Debt Free Is Possible !

     We all dream of living a debt free life, but how many people ever really get there?  The columnists at Debtzine all have specific industry experience and are here to help you realize your dreams. 



      Are the new bankuptcy laws driving you crazy? 

      Not sure if you can file bankruptcy anymore?  Get advice from our staff lawyer who has over 10 years experience in debt collections and bankruptcy law.  He has some interesting articles on the way, that will help you sort through the new bankruptcy laws and help you determine if bankruptcy is the best option for you.

Get debt collectors off of your back !

     We will give you the information you need to settle your debts for pennies on the dollar.  With the new bankruptcy laws in effect, it's harder to wipe out your debts and start over, so you need to settle with your creditors.  Debt counseling and debt consolidation programs are the two ways available to get your debt paid down.  On this site, you will find articles about the advantages and disadvantages of both types of program.

     Are you shopping for a new car or house?

     If you are making a large purchase and have to finance the purchase, make sure you check out our financing tips section to make sure you are getting the best deal possible.  While most people can not buy a car or new house with cash, making sure you get the best rate and terms will help you in the long run.



Short Article of the Day:

The Mini Miranda Warning

Each time a debt collector contacts you, he/she must inform you that they are a debt collector and must read you a Mini Miranda. This warning is reminiscent of the warning that the police give you when you are about to be arrested but has nothing to do with criminal law. The Mini Miranda must contain the following words or represent their meaning.

Hello, my name is (name of collector). I am/or this office is a debt collector representing (creditor) Information obtained during this communication will be used for the purpose of debt collection.

The Mini Miranda warning must also be include in all correspondence received through the mail.


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