List of resources

No problem, that is why I am here.
Here are some additional resources I wanted to add-

The three major credit reporting bureaus:
Equifax
Experian
Transunion

Here is where you get your free annual credit report entitled by the Fair Credit Reporting Act

Hey! Can I jump on the bandwagon of useful links? I just found these three links and I think they can be super helpful. They are the links to the 3 credit reporting agencies for when you get an adverse action (a decline), or you are about to look for work, or are on welfare???????any of these???????but they give you free credit reports for these things.

I tried one just to see???????used the name of some company that declined me years ago..and surprise surprise..it worked..got a free credit report.

so..here they are:

Transunion: http://annualcreditreport.transunion.com/t...ntSituation.jsp

Experian:
http://www.experian.com/reportaccess/index.html

Equifax:
https://aa.econsumer.equifax.com/aad/landing.ehtml

Hi Jcemt, thanks for all your great work. I have made your topic a sticky. It will be helpful to many people around.

Guide to recording telephone conversations

Special thanks to unclewulf for this link regarding garnishment laws fro all 50 states:

http://fair-debt-collection.com/state-wage-garnishments.html#46

Thanks Unclewulf!

New Link to Fair Credit Reporting Act

very nice resources. i also found some useful article here debt consolidation articles

Here is another one:
Payday Loan legal status by state

Here are some new judicial links.

General information on vacating judgments

WEX legal dictionary

Federal government resources, guide to civil procedure by state/district

Sample letter to vacate judgment

Special thanks to Goldenbast for this contribution!

Texas consumers may use this section as an enclosure with their validation letters as well, it outlines Texas Financial Code that requires them to delete credit report entries within 45 days if they cannot validate.

Title 5 SECTION 392.201

i have had a payday loan in the past now it is in collection, i was called today and told i have until 1100 to pay half of the payment, and two weeks to pay remainder, or i would be arrested at home or at job, is the arrest portion true? could i have set up payments?

Dear Samuelxm,

Please post your query in the "Payday Loan" section so that you get proper response.

Regards,
Jason

WOW :!: :!:

I am so amazed, blessed, and impowered by this website and its wonderful people. There is so much knowledge and infomation here. I am just so impressed and thankful to everyone. :hug: :!:

Emmapo...gave your question its own thread here:

http://www.debtconsolidationcare.com/collection-agencies/about54396.html

Jack11...yours is here:

http://www.debtconsolidationcare.com/collection-agencies/about54396.html