https://www.helpmanagemydebt.com/ Help Manage My Debt is dedicated to improving the lives of consumer debtors who are constantly being harassed, abused, intimidated, and ignored by debt collectors, or are considering bankruptcy. Every day collection agencies, debt collectors, and collection attorneys violate state and federal laws, including the Fair Debt Collection Practices Act (FDCPA), but their violations go unpunished. This site is intended to help stop debt collection abuse and provide a source for consumers who need debt management help or are being harassed by debt collectors a chance to locate attorneys in their states. If you would like to learn more about the debt collection industry or are being harassed by unscrupulous debt collectors and would like them to stop, please refer to our list of services below that we provide to both consumers and attorneys. Fri, 27 Oct 2006 21:00:00 GMT en-us https://www.helpmanagemydebt.com/contact.htm https://www.helpmanagemydebt.com/contact.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ If you have any questions or concerns, please e-mail us and we'll get back to you as soon as possible. We look forward to hearing from you. ]] https://www.helpmanagemydebt.com/Consumer-Debtor-Services.htm https://www.helpmanagemydebt.com/Consumer-Debtor-Services.htm Wed, 29 Nov 2006 21:00:00 GMT [CDATA[ For Consumers who are Being Abuse by Debt Collectors, who have Questions About Bankruptcy and Debt Collection Laws, and who Need Bankruptcy and FDCPA Attorney Representation; Fair Debt Collection Practices Act (FDCPA), The Truth in Lending Act, and The Fair Credit Reporting Act Attorney Directories; We help consumers find attorneys who practice consumer law and who are experienced with the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), and the Fair Credit Reporting Act (FCRA). The attorney are listed by state so you will be able to find attorneys to represent you in your state. Find an FDCPA, FCRA, or TILA attorney in your state. Bankruptcy Attorney Directories If you are considering filing bankruptcy or if you have questions and you need to locate bankruptcy attorneys in your state, please refer to our bankruptcy attorney directory. Legal Resources Links We provide external links to online websites that deal specifically with debt collection laws, including the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), and the Fair Credit Reporting Act (FCRA). Defenses to Credit Card Lawsuits ]] https://www.helpmanagemydebt.com/Attorney-Services.htm https://www.helpmanagemydebt.com/Attorney-Services.htm Wed, 29 Nov 2006 21:00:00 GMT [CDATA[ Attorney Website Pages Upon your request we will design up to three pages for your law firm from our domain name. Attorneys may choose the content they wish to display. Attorney Directories Our attorney directories are specifically optimized for attorneys who practice bankruptcy law and who represent consumers who are being harassed by debt collectors and who bring Fair debt Collection Practices Act (FDCPA) lawsuits. The number of directory pages and the amount of web copy space that is dedicated to each law firm depends on the number of attorneys who are listed for their particular state. Each directory page is specifically optimized for an attorney's specific state. Referral Networks Our Directory will help attorneys refer potential clients to one another. Bankruptcy attorneys may choose to refer their clients to Lawyers who bring Fair Debt Collection Practices Act (FDCPA) lawsuits and vice versa. In addition attorneys will be able to refer people to our website so they can contact a FDCPA or bankruptcy lawyer in their own state. Online Legal Resources Our legal resources our updated on a regular basis and include in-depth coverage of the Fair debt Collection Practices Act (FDCPA), The Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), and bankruptcy laws. Bankruptcy and FDCPA Case Law Upon the completion of our site, we will provide attorneys with up-to-date case law on the Fair Debt Collection Practices Act and bankruptcy law, specific to certain debt collection agencies and specific sections of the FDCPA. Google Adwords Campaigns Upon your request, we design Google Adwords campaigns that will appear for visitors searching within a specific geographic location that you determine. For example, you can choose to run ads on Google Search that will appear within a 100 mile radius of your law firm's address. ]] https://www.helpmanagemydebt.com/news.htm https://www.helpmanagemydebt.com/news.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ http://www.helpmanagemydebt.com was uploaded in August 2006 with the intension to help stop debt collection abuse, help consumers locate bankruptcy and FDCPA attorneys, and provide in-depth information on bankruptcy and debt collection laws. http://www.helpmanagemydebt.com is currently under construction. The site should be completed around April 1, 2007. Thank you for your patience as we create our site. If you would like to write with suggestions, please go to our Contact Us page or go to our Blog to post comments and suggestions. ]] https://www.helpmanagemydebt.com/About-Help-Manage-My-Debt.htm https://www.helpmanagemydebt.com/About-Help-Manage-My-Debt.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Helpmanagemydebt.com was uploaded in August 2006 with the intension to help level a playing field that is heavily tilted in favor of debt collection agencies, debt collectors, and collection attorneys. These unscrupulous debt collectors violates state and federal laws every day and probably every minute, but their abuses often go unnoticed, mostly by consumers who just do not know laws are being broken or that there are such laws that govern the debt collection industry. Nonetheless, consumers who have become victims of debt collectors have tools that can help them fight back and level that playing field, not necessarily a field that is even but one on which it is worth playing. One such tool for debtors is the Fair Debt Collection Practices Act (FDCPA). This federal act among other state laws helps prohibit debt collectors from collecting debt illegally. Help Manage My Debt provides in-depth information on the FDCPA, the Truth in Lending Act, the Fair Credit Reporting Act, bankruptcy laws, and various other laws as they relate to debt collection, creditor harassment, and debt collection lawsuits. More importantly, Help Manage My Debt provides debtors an accessible source to find consumer law and bankruptcy lawyers in their states. It is also Help Manage My Debtb ]] https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Services-Functions.htm https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Services-Functions.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Help Manage My Debt provides information on debt collection laws and helps consumers find bankruptcy and FDCPA Lawyers. ]] https://www.helpmanagemydebt.com/testimonials.htm https://www.helpmanagemydebt.com/testimonials.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page comming Shortly. ]] https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Questions-And-Answers.htm https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Questions-And-Answers.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ If you have questions about Help Manage My Debt or its services please click on the questions below, or send an e-mail to WCMJR@helpmanagemydebt.com. ]] https://www.helpmanagemydebt.com/links.htm https://www.helpmanagemydebt.com/links.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Please use these resources to help further your research on bankruptcy and debt collection laws. ]] https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Search-Results.htm https://www.helpmanagemydebt.com/Help-Manage-My-Debt-Search-Results.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Use the search box below to find information on the debt collection industry, debt collection laws, collection news, and attorneys who can help you with bankruptcy, defend against consumer debt lawsuits, and bring FDCPA lawsuits. The results you see are from attorneys who are listed on Help Manage My Debt and other pertinent websites that relate to debt collection, bankruptcy, and debt collection laws. ]] https://www.helpmanagemydebt.com/Online-Community.htm https://www.helpmanagemydebt.com/Online-Community.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Please visit our Rss Feeds, Blogs, or Google Group to learn more about Help Manage My Debt and FDCPA and Bankruptcy laws. ]] https://www.helpmanagemydebt.com/privacy.htm https://www.helpmanagemydebt.com/privacy.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Comming Shortly. ]] https://www.helpmanagemydebt.com/Legal%20Disclaimer.htm https://www.helpmanagemydebt.com/Legal%20Disclaimer.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Debt-Collection-Industry-FDCPA.htm https://www.helpmanagemydebt.com/Debt-Collection-Industry-FDCPA.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page Comming Shortly. ]] https://www.helpmanagemydebt.com/Consumer-Defenses-Under-The-FDCPA-Fair-Debt-Collection-Practices-Act.htm https://www.helpmanagemydebt.com/Consumer-Defenses-Under-The-FDCPA-Fair-Debt-Collection-Practices-Act.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page Comming Shortly. ]] https://www.helpmanagemydebt.com/Collecting-Old-Debt-Past-The-Statute-Of-Limitations.htm https://www.helpmanagemydebt.com/Collecting-Old-Debt-Past-The-Statute-Of-Limitations.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Debt collectors often attempt to collect old and delinquent debt from consumers past the Statute of Limitations (SOL). These defaulted debts are sold to secondary creditors to create what has become a multimillion dollar industry. Because these debts are based on contracts between the consumer and the original creditor, debt collectors may only succeed in lawsuits if the suits are brought within each state’s Statute of Limitations. Please see your state’s SOL below. It is extremely important that you do not pay toward a debt that is past the SOL. If you pay any amount toward a debt, even if it is past the Statute of Limitations, you may reaffirm the debt and the SOL may start over. When presented to courts as a defense, the Statute of Limitations prevents creditors from obtaining judgments for old debts. After Seven years, one hundred and eighty days, old debts should not appear on a consumer’s credit report because they are considered to be obsolete. Secondary debt collectors are governed by the Fair debt Collection Practices Act (FDCPA). A debt collector who is governed by the FDCPA may violate the act if a debt collector sues or threatens to sue on a debt which is not collectable because of the Statute of Limitations. Once a consumer retains a lawyer for representation against a debt lawsuit and a debt collector who is governed by the FDCPA knows it, that debt collector may contact only the lawyer and not the consumer. The client-lawyer relationship ends the unwanted intrusions on a consumer’s life by the debt collector. The information discussed above is not well known or understood by consumers. Typically, consumers do not talk to other people about their financial problems. To learn more about secondary creditors and what you can do to stop abusive debt collectors from collecting old and delinquent debt that is past the SOL, please refer to the FDCPA attorney directory page to locate an attorney in your state. ]] https://www.helpmanagemydebt.com/Defending-High-Credit-Card-Debt-Lawsuits-Collection-Harassment-Abuse.htm https://www.helpmanagemydebt.com/Defending-High-Credit-Card-Debt-Lawsuits-Collection-Harassment-Abuse.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Have credit card companies, debt collection agencies, debt collectors, or collection attorneys served you with a Summons and Complaint or an Arbitration Notice for a credit card, medical, cell phone, or other consumer debt? If they have, please do not panic. You do have options. There may actually be defenses to these types of lawsuits and thus you may not have to pay your debt or at least the full amount. Creditors have the burden of proof. That means that their records must justify the award or debt they are attempting to collect. Proper records that creditors should keep on file and have in order to bring suit against consumers include signed credit card disclosure statements, monthly billing statements, and documents bearing the debtors signature. If their records fail to include these items and they cannot prove their allegations, you may successfully defend against their lawsuits. In most cases, creditor lawsuits are seldom challenged and consumers are saddled with default judgments, which can last for many years depending upon the state in which there brought. Default Judgments mean that you have to pay the full amount of the award the creditor seeks, in addition to possible attorney’s fees and court costs. If you have a judgment that has been brought against you, your credit rating may be affected greatly. A poor credit rating will cause you to pay higher interest rates on your loans and higher insurance premiums on your homes and vehicles. In addition to higher interest rates, consumers with lower credit scores may have difficulty being hired or switching jobs because employers often read credit reports before hiring new employees. Therefore, it is imperative that you act quickly and respond to avoid default judgments before it is too late. In some instances, an attorney may be able to represent you regarding a credit card debt that has gone or will soon go to a collection agency. Said attorney may be able to negotiate your debt or lower it for you to an amount you may be able to afford. Some consumers have incomes and assets that are exempt from creditors such as Social Security, pensions, homesteads, and motor vehicles up to certain limits. In addition many debt collectors are governed by the Fair Debt Collection Practices Act (FDCPA). The attorneys located on the FDCPA Directory page may be able to help you. ]] https://www.helpmanagemydebt.com/Identity-Theft-and-Debt-Collection-Abuse-FDCPA-Fair-Debt-Collection-Practices-Act.htm https://www.helpmanagemydebt.com/Identity-Theft-and-Debt-Collection-Abuse-FDCPA-Fair-Debt-Collection-Practices-Act.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Are debt collectors calling you out of the blue harassing you and demanding payment on credit card bills or other debts of which you have no recollection? Have you applied for a credit card, lease, mortgage, or car loan only to find that you were denied credit due to a low credit score or a history of unpaid bills, even though you have paid your bills on time? If this is happening to you, you may be a victim of identity theft. Identity theft occurs in many ways, but it has become a major issue with the widespread use of the Internet and the ease with which many people give out their personal information online. Identity theft may also occur when you use your check card or credit card, write personal checks, apply for credit cards, etc. The list goes on and on and will continue to grow as technologies improve and new schemes to steal your identity are devised. ]] https://www.helpmanagemydebt.com/Writing-To-Debt-Collectors-Avoiding-Credit-Card-Debt-Abuse.htm https://www.helpmanagemydebt.com/Writing-To-Debt-Collectors-Avoiding-Credit-Card-Debt-Abuse.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page Comming Shortly. ]] https://www.helpmanagemydebt.com/Check-Diversion-Companies-FDCPA.htm https://www.helpmanagemydebt.com/Check-Diversion-Companies-FDCPA.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page Comming Shortly. ]] https://www.helpmanagemydebt.com/Fair-Debt-Collection-Practices-Act-FDCPA.htm https://www.helpmanagemydebt.com/Fair-Debt-Collection-Practices-Act-FDCPA.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ The Fair Debt Collection Practices Act (FDCPA) is a Federal act designed to help protect consumers who are being harassed, abused, threatened, or intimidated by collection agencies, debt collectors, and collection attorneys. The FDCPA applies to collection agencies, creditors using false names, creditors collecting for other creditors, collection attorneys, purchasers of old and delinquent debt, repossession companies, and suppliers or designers of deceptive collection letters (forms). The Fair Debt Collection Practices Act typically excludes creditors collecting their own debts, which includes banks and credit card companies like Visa, MasterCard, American Express, MBNA, Chase, Citibank, etc. Currently there are 49 states that are governed by the FDCPA. The Fair debt Collection Practices Act allows consumers a chance to help regulate the debt collection industry, which has been historically abusive. Despite its abusive nature, a few debt collectors do not violate state and federal laws, but because of the sheer volume of high consumer debt, many debt collectors go unpunished and even unnoticed for violating the FDCPA. Their violations often lead to consumers paying debt that they may not have had to pay. The Fair Debt Collection Practices Act enables consumers to receive $1,000.00 in statutory damages, together with actual damages, plus attorneys fees and costs. By contacting a lawyer in your state located on our attorney directory page, he or she should listen to the particular facts of your case and determine whether or not a debt collector has violated the FDCPA and take your case. Creditors collecting various kinds of debt including credit card debt, hospital bills, phone bills, mortgages, and leases violate the FDCPA every day, and continue to do so because many people do not know what constitutes a violation of the Fair Debt Collection Practices Act. ]] https://www.helpmanagemydebt.com/Arbitration-Debt-Collection-Awards-Default-Judgments.htm https://www.helpmanagemydebt.com/Arbitration-Debt-Collection-Awards-Default-Judgments.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ The Fair Debt Collection Practices Act (FDCPA) is a lengthy Federal law that was passed by Congress in order to help protect consumers from debt collectors who harass, abuse, and mislead consumers. If you have questions regarding this act and other debt collection laws, please refer to the commonly asked questions ]] https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Help-Questions-Answers.htm https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Help-Questions-Answers.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ The Fair Debt Collection Practices Act (FDCPA) is a lengthy Federal law that was passed by Congress in order to help protect consumers from debt collectors who harass, abuse, and mislead consumers. If you have questions regarding this act and other debt collection laws, please refer to the commonly asked questions page. ]] https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-News-Updates.htm https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-News-Updates.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page coming shortly. ]] https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Statutes-Laws-Regulations.htm https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Statutes-Laws-Regulations.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web page coming shortly. ]] https://www.helpmanagemydebt.com/Common-Debt-Collection-Violations-Abuse-Debt-Help.htm https://www.helpmanagemydebt.com/Common-Debt-Collection-Violations-Abuse-Debt-Help.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming shortly. ]] https://www.helpmanagemydebt.com/Fair-Debt-Collection-Practices-Act-FDCPA-Case-Law.htm https://www.helpmanagemydebt.com/Fair-Debt-Collection-Practices-Act-FDCPA-Case-Law.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly ]] https://www.helpmanagemydebt.com/Debt-Collection-Laws-Regulations-Acts.htm https://www.helpmanagemydebt.com/Debt-Collection-Laws-Regulations-Acts.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/The-Truth-in-Lending-Act.htm https://www.helpmanagemydebt.com/The-Truth-in-Lending-Act.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page coming Shortly. ]] https://www.helpmanagemydebt.com/Truth-and-Lending-Act-Questions-and-Answers.htm https://www.helpmanagemydebt.com/Truth-and-Lending-Act-Questions-and-Answers.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Truth-in-Lending-Act-laws.htm https://www.helpmanagemydebt.com/Truth-in-Lending-Act-laws.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/The-Fair-Credit-Reporting-Act.htm https://www.helpmanagemydebt.com/The-Fair-Credit-Reporting-Act.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/PDFgallery.htm https://www.helpmanagemydebt.com/PDFgallery.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Bankruptcy-Overview-Lawyers-Attorneys-Help-Advice.htm https://www.helpmanagemydebt.com/Bankruptcy-Overview-Lawyers-Attorneys-Help-Advice.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Bankruptcy-News-Updates-Help-Lawyers-Attorneys.htm https://www.helpmanagemydebt.com/Bankruptcy-News-Updates-Help-Lawyers-Attorneys.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Bankruptcy-Help-Advice-Questions-Answers.htm https://www.helpmanagemydebt.com/Bankruptcy-Help-Advice-Questions-Answers.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Bankruptcy-Help-Advice-Lawyers-Attorneys-Laws-Statutes-Regulations.htm https://www.helpmanagemydebt.com/Bankruptcy-Help-Advice-Lawyers-Attorneys-Laws-Statutes-Regulations.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/Bankruptcy-Lawyers-Attorneys-Directory-Listings.htm https://www.helpmanagemydebt.com/Bankruptcy-Lawyers-Attorneys-Directory-Listings.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/United-States-FDCPA-Bankruptcy-Lawyer-Attorney-Directory-Listings.htm https://www.helpmanagemydebt.com/United-States-FDCPA-Bankruptcy-Lawyer-Attorney-Directory-Listings.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]] https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Lawyers-Attorneys.htm https://www.helpmanagemydebt.com/FDCPA-Fair-Debt-Collection-Practices-Act-Lawyers-Attorneys.htm Fri, 27 Oct 2006 21:00:00 GMT [CDATA[ Web Page Coming Shortly. ]]