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Credit Alliance Group reports an increase in complaints to the FTC about creditor harrassment calls
According to the AP report, almost 39 percent of Federal Trade Commission complaints cited demands to pay debts that weren’t owed or payments that were more than legally allowed. Credit Alliance Group instructs their clients on how to file complaints against creditors who are in violations of the Fair Debt Collection Practices Act. Credit Alliance Group is striving to set itself apart from the debt settlement industry in customer service.

Other creditor harrassment Related Articles

Credit Scoring
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Here's how credit scoring works in helping decide who gets credit -- and why.
Uniform Commercial Code - UCC
The Uniform Commercial Code, or UCC, is an excellent tool for business owners to protect themselves with small business laws as both creditors and as debtors. Using UCC filings to your advantage can stretch your credit with both lenders and vendors. Likewise, as a creditor, if you keep active UCC filings on your biggest customers, you can protect your business against a client's nonpayment. For example, if you have a nonpaying customer and bring a lawsuit against them, you may wait months for a judgment; and you might not be adequately compensated even if the lawsuit rules in your favor. As a small business owner, you could have a UCC filing from the beginning and prove the debt.
Credit Alliance Group compares Debt Consolidation vs. Debt Management vs. Debt Settlement
The average American household has 20-30K of unsecured debt. Our economy as a whole is drowning in credit card debt, medical bills, personal loans, and just unsecured debt in general. In order to get out from underneath this huge burden of bills and those harassing creditor calls we have resorted to finding debt relief options such as Debt Consolidation Loans, Debt Management Programs, and your array of Debt Settlement Companies. I’m in shock to see the countless amounts of people that look for these different options and not put the time and energy into researching the cause and effects that it has on your credit score, credit report, and your financial future. By the time you have read through this article I hope you have a better understanding of the pros and cons of each of the different debt relief choices available.
Auto Dealers Failing to Maintain Proper Documents Regarding Loans
In the era of auto dealership consolidations, short sales and creditor issues, many of our auto dealer clients and the sellers and buyers we are dealing with, have failed to adequately protect loans they have made to their dealership. Or worse, they have failed to protect investors or family members who have invested in their business, never contemplating that things might not work out. The following is what is essential to protect yours and your friends and family's investments in your company, or your investment in someone eleses company.

Beware of Charged off Debts!
As debtors you will want to look for an easy solution to the sticky situation you have gotten into – not being able to pay the debt. You and the creditor may come into an agreement over the debt and he will agree to charge off the debt because it has become worthless. It is known as “Specific Charge Off” method.
An outlook on the future of Debt Consolidation Companies
Every program is unique and results will vary depending on your ability to pay and the creditor profiled enrolled.

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