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Almost everybody knows the main advantages of owning a credit card. Credit cards are used all over the world and they are the most popular payment system these days. It is easier than ever to pay airline tickets or holidays using it, in almost every country. But the credit card rating is paying a significant role in the cardholder’s life. If the cardholder has a very good credit history, this will help him to gain more advantages in the future. If the credit rate is bad, it can be improved. The user can apply for a credit card, use it and pay off the entire balance on time. In a few years their rating with the issuers (credit agencies) will be very attractive. The cardholder will be considered a borrower who repays on time.

The APR (annual percentage rate) is very important too; it is a periodic rate, the result of the annual amount, used to calculate the finance charge on a balance. A credit bureau is maintaining the customer credit report. This report contains the cardholder’s name, address, credit payment history and the social security number. Banks will report any negative or positive credit payment information. Some reports will come also from the power or telephone companies. This information will be considered when the cardholder is asking for a loan, or a credit card. The credit bureau will decide whether the bank will lend or withhold the money.

Credit cards make it easier for the cardholder to obtain loans for a home or a car. The cardholder must deeply understand the way the credit card works. The credit card balance will also include added interest that has to be paid. It can be an important factor when the cardholder rents an apartment. The only condition in obtaining a good credit card rating is ensuring that all bills are paid on time.

A good credit rating will prepare for a happy future too. Choosing a credit card is sometimes a really difficult decision. The credit cards features such as the APR (annual percentage rate), annual fees, repayment requirements are important things to consider. To establish a reasonable credit rating, all the bills must be paid on time. It is also important to not have larger amounts of outstanding credit. The cardholder must ensure that he can afford to repay what he has borrowed. If a positive credit history is not established, credit card building is a must. Many customers are unable to use the credit cards benefits because they don’t know the issuers conditions and carry a balance from month to month.

The cost of creating and maintaining a credit card account depends on the issuer and on the customer’s behavior. Credit card firms are constantly looking for new modalities to make their rates more attractive.
Visit Credit-Wisdom.com Unraveling the best in Credit Cards. Click here for Business Credit Cards More information on:“American Express One Credit Card”

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Credit cards can be considered to be one of the many basic necessities of the modern world. Credit cards are available nowadays in abundance. One type of credit card specifically is the so-called 0% APR credit card. 0% APR credit cards were introduced in the late 1980’s and to this day has still proven to be one of the most sought-after credit card types available anywhere. As with all credit card types, there are a certain tips and tricks surrounding 0% APR credit cards that all potential card applicants should be made aware of.

With the help of a 0% APR credit card, it means that you need not only pay the outstanding balance; and what more you could even charge up to the limits without having to sustain any monthly interest charges. However, sometimes, one tends to think just how these credit card companies can afford to provide 0% APR credit cards, and make a profit out of it?

Although 0% APR credit cards may not comprise any monthly charges, it is sure to come with annual fees which you are obliged to pay for the privileges of a 0% APR credit card. These annual fees usually run from $15 to $20 or sometimes, even higher. Having a 0% APR credit card doesn’t mean that you can pay your dues whenever and whichever way you intend to. It IS necessary to make your payments on time, or else, you will have to pay for high overdue fees. For each late payment, the 0% APR credit card holder has to pay fees that may range from $20 to $40. With habitual late payments, these meager amounts may accumulate to a hefty total!

It should be remembered that 0% APR credit cards are usually offered for only a stipulated period of time. This credit card interest may hold good for only a fixed period of time, usually ranging from 3 up to 15 months. On the completion of this period, a higher rate of interest may come in vogue, usually 12% or higher. You could easily transfer any existing credit card balances to a new 0% APR credit card to get 0% interest on the transferred balance. In this way, the credit card holder has to pay less interest for a stipulated period of time, and thus get a chance to clear outstanding balances as quickly as possible.

When applying for a 0% APR credit card, it is always better to read the terms and agreements of the credit card. Not to overstate an obvious question, but why should one do so? Simply because many credit cards may come with a default rate wherein late payments not only incur a late payment fee, but it would also include a default rate that will be added to the annual percentage rate. This in turn doubles the figures on the existing balances and on the new purchases made on the card moving forward. Ouch!

One very important point to take into account when applying for a 0% APR credit card is to read all paragraphs of the agreement, otherwise known as the fine print. This is because though it is illegal for a credit card company to hide their fees and charges, it is nonetheless legal for them to mention these points in small print! The 0% APR credit card companies thus usually announce in large and bold print about their 0% APR but hide the facts that this is only for a limited period of time and any extra fees which might be included are done so in very fine print.

Another trick that is up the sleeve of 0% APR credit card companies is to install sky-high APR’s right after the amount of 0% APR balance transfers are paid down. In other words, the money you first pay to the credit card company is applied to the transfer, and any other purchases you make will be charged a high APR. Sometimes, credit card companies may also go to the extent of sending you a different card than the 0% APR credit card you had initially applied for. In this way, you are not allowed the 0% APR but a different card offer with different terms and conditions. The card issuers typically rationalize this behavior based on the card issuer determining that you do not meet the qualifications for a 0% APR credit card. Qualifications for a 0% APR credit card is usually found in the small print of the agreement, and is usually overseen by applicants!

It can thus be seen that though 0% APR credit cards do seem to be rather inviting, there are some loopholes and tricks to their use. As always, it is highly recommended to read the terms and conditions on the card application agreement for the 0% APR credit card, or any type of credit card application, thoroughly in order to avoid any future problems, headaches or financial surprises.
For more information on 0% APR credit cards, Robert Alan recommends that you visit CreditCardAssist.com

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Renting a Durham, North Carolina house can be a quick and inexpensive way to comfortably stay in town for a short period of time. If you aren’t planning to stay for more than a few years, it isn’t a good idea to take out a mortgage and buy property. But if you are used to living in a house, then apartment dwelling might not be an easy transition for you.

Renting a house is a perfect compromise. You will have a large and comfortable place to stay, without being forced to make a long-term financial commitment. But if you have never rented before, you may find the process daunting. Therefore, exercise caution when looking for a Durham, NC home to rent. As long as you follow a few guidelines, you will have a satisfactory experience.

First, determine specifically what you want in a Durham home. Will you live by yourself? Do you want to bring a pet with you? How much space do you need? How much rent can you comfortably pay? Make a handy little list to use as your guide when considering the many Durham,

North Carolina rental home choices which will surely present themselves. This will speed up your decision making. Does it have a smaller number of rooms than you have on your ideal list? Are pets not allowed? Is it too expensive? You’ll know, by consulting your list, if it is immediately out of the question. You will have eliminated the necessity for long inner debates. And when you do find a house that you would like to rent, you’ll know it almost immediately.

Also before you start to search for a Durham, NC home to rent, you should gather all of your personal documents which will affect your ability to rent. Credit records, references, recommendations from your previous landlord, or letters from the school you are attending.

You never know what a prospective landlord will request to see when considering you for the rental. Therefore if you have everything together and immediately accessible, you will appear both professional and prepared. This will give you a great advantage when being considered for a Durham, North Carolina home rental. The more you can show the landlord that you are responsible and trustworthy - and not likely to be a big party animal - the better advantage you’ll have over other applicants.

When you have found the perfect Durham home to rent, ask to see a copy of the lease you will be required to sign. The house might be a dream, but if the contract is a nightmare then your stay will be very unpleasant. Look for details about utilities, visitor policies, pets, and insurance.

If anything is unclear to you, hire an attorney to look over the contract with you. It may cost a bit, but it will be money well spent to make sure the legal contract is acceptable to both you and the landlord before signing. If you find anything that you disagree with, you can either try to negotiate it with the landlord, compromise, or move on and find a different Durham, North Carolina home to rent.

Overall, the process of renting can be quick and easy. You only have to make sure that you are getting exactly what you set out to find, and not compromising in any way, and can come to terms with the landlord over the lease agreement. You will find an acceptable Durham, North Carolina home to rent in no time at all.
For the complete Durham NC Area Guide with information on the city of Durham NC, Hotels, Durham Restaurants, Durham NC Real Estate, and Durham Yellow Pages please visit http://durhamnc.areaguides.net/. Please direct any comments on this article to lmieditorial@searchinfluence.com.

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Instant approval credit card offers may appear in your mailbox, pop up on your computer screen or beckon you at retail outlets. If you’ve gone through the application process in the past, then you probably had to wait weeks to receive a decision. With the ease and accessibility of the Internet instant approval credit card applications are as easy as 1-2-3 and can take only a matter of seconds.

Step 1: Check Your Creditworthiness

The best instant approval credit card credit offers are reserved for those with good to excellent credit. If you know your credit is spotless, then there really is no need to worry. But as a side note, it is good practice to check your credit report regularly to make sure there are no errors or that you’ve unknowingly become a victim of identity theft.

If you’ve got borderline credit, poor credit or you’re really not sure where you stand, then it is very important that you obtain your report. Review it for accuracy, fix anything that might be a red flag to lenders and watch out for suspicious-looking accounts. Even if you have tainted credit, you may still qualify for instant approval credit cards. But be forewarned that submitting applications and getting rejected can bring your FICO score down, affecting your application for other offers. So consider your choices carefully.

Step 2: “Submit Now”

Okay, so now you’ve given yourself a thumbs-up. Your credit checks out and you are prepared to put in an instant approval credit cards application for credit. Instant approval credit cards online forms require you to include basic information: your name, address, previous address, phone number, social security number, date of birth and place of employment. Before submitting the application, read the Instant approval credit card terms carefully, ensuring that this card is what you want and that there are no hidden fees or limitations.

Your social security number is required so the bank or credit card company can pull your online credit report, including FICO score. Your credit report and scores are used to determine your creditworthiness and whether or not you will be approved for credit. Since you will be transferring personal information through the Internet, it is imperative that you submit instant approval credit card applications through secure web sites that use SSL 128-bit encryption. This protects your information and makes it impossible for hackers to intercept it.

Step 3: Shop ‘Til You Drop

Once you push the “submit” button, it can take as little as 30 seconds to get an instant response. Notice of your approval (or denial) will show up on your computer screen or will be sent to your email box. Follow the online instructions.

If you’ve been approved, then you can expect to receive your new instant approval credit card in the mail in only a matter of a week or two. In some cases, you may be able to start using your credit immediately. Many credit card issuers will provide you with your credit card number and expiration date for online purchases. However, rarely are you provided with the 3-digit security code that will be located on the back of your card. So for some instant approval credit card purchases you may have to wait.

If you were denied credit, you will be given a reason why you were turned down. Most likely this will relate to something negative in your credit report. Try speaking to a representative of the credit card company or bank to see if there is anything that you can do to get approved. If worse comes to worse, then get your credit cleaned up and reapply for an instant approval credit card.
For more on instant approval credit cards online, Robert Alan recommends that you visit CreditCardAssist.com

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Before you take your hard earned money and invest it, it is a good idea to have a plan before you get started. First you will need to define your goal.

A goal can be owning a new home, buying a new car, having enough money for your child’s education as well as a host of other things that need to be thought through. Write a list of yours and your families goals and choose the one thing you desire the most. Next to each item write by when you want to achieve that goal.

You will then need to decide how many years you have to meet each of your targeted goals. This is important because you will need to find the best investment plan for the timeframe you have set up for yourself. You can find many tools to help you figure these things out when you do a little research on the internet.

The next step is to make a financial plan. This will entail figuring out your finances. You will have to be honest about the situation you find yourself in right now When you plan a trip, you never leave without knowing where it is you are starting from and the same can be said about the journey to a secure financial future. Make a list of your assets as well as your liabilities and see how they stack up against each other. With any luck and a lot of hard work, you should have more money coming in than going out and it is with this money you must decide whether to invest online or not.

If you are interested in investing larger amounts of money, but are wondering where it will come from, making small changes in your daily routine can end up saving you a lot of money. Take the cost of a large cup of coffee every morning. If that coffee is more than $1.75 per day, you are wasting as much as fifty dollars a month. If you took that fifty dollars and invested it wisely, it could wind up being five hundred dollars. So make an effort to get a travel cup and make your coffee at home. Put the money you would have spent in a jar, and take the money and invest it.

If you put your money into a savings account that earns 5% interest in a year, you could be talking a nice piece of change you will have to invest. You can do the same thing with going out to eat or going to see a movie. Whenever you deprive yourself of a treat, pay the container anyway and watch your savings account grow.

When you decide to invest online, you want to be sure you have enough money to take the risk. You don’t want to take away from your family needs on a chance that you can double or triple your money. You may lose it instead, and money earmarked for your family expenses shouldn’t be used for online investing.
James Brown writes about ShareBuilder 401(k) promotion code, TradingSolutions.com online coupons and ShareBuilder coupon

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Money can certainly be tight for many of us, and most of us could use a few tips on how to cut down our monthly bills. While not all tips will ever work for anyone, a number of these can be used by most - that means that there should be something here you can use. Here are a few ideas on how to cut down on your monthly expenses.

1. Combine Your Credit Cards

Most credit cards have a rather high interest rate on them - at least anything is high if it is greater than 0% APR interest. Many credit card offers will now give you 0% APR interest rates for balance transfers and give you great savings each month. All credit card offers are not equal, though, so you should do a little comparison shopping in order to get a good one. If you cannot get a credit card with this level of interest, then try to get one for as low a level as you can get. Also, watch out for balance transfer fees.

2. Comparison Shop

Rather than doing impulse buying, you will usually save a considerable amount of money by looking around for those better deals. This may mean it takes a little more time to shop, but it will help your bottom dollar line. By saving money on good deals, however, should mean that you may have a little more money at the end of each month to either put into savings, or, pay a little extra on those bills to reduce your debt. Much comparison shopping, as you know, can be done on the Internet - and save you some gas money, too.

3. Reduce Your Bills

While this may sound like it is so easy, it may not be for some. Some ways, however, that many can begin to save even more money is by cutting back their thermostat one or two degrees. That little bit can really add up over a year. Another way may be to take that new car and trade it in for a good used one - one that might get a little better gas mileage, too. Other bills that could be reduced may be your Internet service providers (which can be obtained for as little as $6.95), cable TV, and maybe even your car insurance could give you more savings if you increase your deductible.

4. Eat At Home More

Another great expense in many homes is the frequency of eating out. It obviously costs more to eat at a fast food restaurant than it does at home. Besides, it is healthier to eat a balanced home cooked meal than you will ever get at any fast food chain. Another thing that will help is if you plan your menus, and don’t go food shopping when you are hungry. By eating at home more often, it could be possible to save as much as $20 to $30 each week - something that you could put into savings, or use to help reduce your debt in other areas. And another thing, eating at home more could give everyone a little more family time, too.

5. Know Where Your Money Is Going

Most homes have no real idea of where every penny goes. If you keep track of every penny for about two or three weeks, you will know. But as you look over the things you spend money on each week, you may conclude that a lot of money was spent on things that you could have done without. Knowledge, someone said, is power, and knowing where your money is actually going will help you make some wise corrections.

As you become more conscious about where your money is going, and start to make more informed choices about your expenditures, you will soon find other ways to save even more. It all starts with making yourself conscious of where it is going, and knowing what do you want and need to do with it.
Joe Kenny writes for the Credit Card Guide, offering views on credit cards in the UK, visit them today for some great 0% balance transfer offers and start clearing credit card debt today.

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Do you find yourself living paycheck to paycheck dreading the time in between pay periods and praying that the bills’ due dates will coincide with your pay period? There may be an answer for those pre payday blues: payday loan companies. There are several companies whose services can be provided to ease the financial burden of living for your paycheck. This is not free money, however, and a payday loan must be seriously considered before making a commitment.

Specific terms such as interest rates and fees must be reviewed and agreed upon before loans can be processed. Above all, one must be educated on the procedure of payday loan acquisition in order to choose an appropriate company and to avoid paying large fees.

Since there are so many payday loan companies, one may be selective in which one they choose to borrow from. Reputation is a good indicator of the company’s abilities. Better still is a referral from a friend or family member who can give you objective advice on the company. An important part of selecting a company is their fee schedule and payback process. Caution is advised during this process because there may be hidden fees and fine print that is easy to overlook.

It is wise to have a legal professional or advisor look over the particulars before getting involved in any agreements. A key feature of payday loan companies is the interest rates and payback plans.

This is where companies will differ the most, and it is wise to shop around before committing to a rate. One must consider the fact that they will be paying back more than they borrowed, a concept often overlooked when interest is involved. For those already on a limited budget, interest and other fees may pose a serious problem within their budget calculations. More importantly, acquiring a payday loan is often a last resort and may be decided upon frivolously. For this reason, it is wise to step back and thoroughly evaluate the need for the loan as well as the consequences that may follow if the loan cannot be paid back.

Once you have decided to embark on a payday loan, there is some documentation needed to begin. You will need your driver’s license, social security card, and bank account information. All of this is necessary in order to apply for a loan, and companies may reject you without all of the essential documents. As mentioned, it is vital to verify the validity of such loan companies before presenting them with any personal information. It is also crucial to review their privacy policies to ensure that sensitive documents will be protected from public view.
Gregg Hall is an author living in Navarre Beach, Florida. Find more about this as well as a payday loan online at http://www.express-payday-loans.com

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Having a trading plan is similar to having a map when traveling to a new location. Modern day vehicles often come with a navigation system making it easier to travel with the fastest route. A trading plan acts as a road map for the trading day.

Most new traders trade without a plan. This often causes reckless trading, emotional trading, and no predefined entry and exit points. They are simply lost during the trading session. Designing a plan prior to the open is necessary. Most new traders are still inexperienced to devise an effective trading plan that can guide them throughout the day. They are unable to locate key support and resistance levels, do not hold strict money management rules, and lack the discipline needed in trading. In order to devise a plan, one must be able to understand how to make one. This requires market knowledge and a methodology a trader feels comfortable with.

So What Is A Trading Plan?

Everyday after the close I will spend 1-2 hours studying the market action. I will then go through my daily charts, 233 TICK charts, and Market Profile charts. First thing I do is to look for market acceptance vs rejection. Then I switch to the daily chart to view the bigger trend. I will then plot the pivot points and any significant price level that I will be looking at accordingly. This gives me a road map for the markets.

The second step is to plot the route I plan to take on the road map. I will visualize a number of possible situations for the following trading day. Couple examples include:

1. If the markets open up above the value high pivot, I will look for long setups.
2. If the markets gap down to the daily pivot, I will fade it for a gap fill.
3. I will not trade between certain price levels as it offers no opportunity.

Every trader has their own methods and analysis techniques to develop a trading plan. There is no right or wrong way to devise one. The biggest mistake alot of traders make is that even with a plan, they are unable to follow it. Why draw a map and not use it?

Develop a trading plan and stick with it. Have the discipline to follow your plans. By having a plan and applying money management, you have a significant edge over a good percentage of traders. Best of trading.
James Lee is a full-time day trader specializing in the mini-sized Dow futures. His core trading strategy is based on pivot point clusters and Market Profile. Find out how to identify high probability trading opportunities at http://www.traderslaboratory.com.

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Anyone that has gone through college or has kids in college knows that it is pricey, which leads to many seeking out student loans. Just as with any type of loan, it is vital that you do your research to find the best student loans for your situation. Different loans will get you different amounts of money with various circumstances behind the loan. However, there are a few things you can do with any student loan to save money.

With student loans, the interest rate is adjusted every July 1st making it difficult to know how much you really are going to have to owe when getting out of college. There is, however, a way to lock your interest rates to avoid having them raised after a certain period of time. By consolidating your interest rates you can have them permanently locked for the remainder of your studies.

The next thing to look at to help you save money on your student loans is automatic payment. A lot of lenders will offer you incentives and reduced interest rates when you have your student loan payments automatically deducted from your account. The reason being is that you are guaranteeing the lender that you will be paying the loan on time and in full amount by giving them access to your account. This also makes it more convenient for you allowing you to avoid missing a payment.

As noted above, it is vital that you research to find the loan that best fits your circumstances. There are several different types of loans with many different companies as well. Some may offer an option that is more intriguing than others, so you must do your research. By getting many bids and finding out what different companies offer, you will be able to find a student loan that best fits your current financial status.

The most obvious way to save money with your loan is to be on time. The minute you are late with your payment the interest rates will go up and your credit will go down. If you do feel the pressure of making the payments on time, make sure to talk to the lender before getting too far behind to see if you can work out an arrangement of some sort.

When going through the process of finding a student loan you may feel pressure and find that it is difficult to make a decision. The important thing is that you research and talk to many different companies to find the best fit. By doing so you should be able to find a student loan that best fits your financial situation at the time being.
Craig Thornburrow is an Author and Business Owner. You can get more free advice on student loans at http://www.supplyloans.com

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Debt collectors are liars, cheaters, etc… They take advantage of every loophole possible and even break the law. They have been featured on almost every news program from CNN to 60 Minutes. There are laws in place to contain their harassment and collection efforts and to make this process more civil, but most figure the risk of getting caught is minimal and that the rewards of endlessly harassing and fleecing victims is far greater. We now have the power to take back our lives, stop them in their tracks and sue them for more than they are trying to collect.

First, lets start with what is actually owed and how most collection agencies work. Usually a unpaid debt is either sold or turned over to a collection agency. 95% or more of these debts are credit cards, store cards, gas cards, etc… These debts are then tiered according to age of debt, amount, credit, job history, etc… Generally most debts are bought for pennies on the dollar. Recent debt may go for $.15 to $.25 on the dollar whereas old debt that has had numerous collection attempts goes for $.05 or less and debt that is beyond the statues of limitations for the state the debtor resides in goes for less than $.01. So, for instance if you owed $10000.00 on a credit card, the debt collection agency paid at most $2500.00, but probably paid less than $1500 for it. Now, what’s interesting is that they will call and write you stating that you now owe $14000.00 or so stating that it has accrued interest and various questionable fees. This is all profit if you were dumb enough to pay that. A fair settlement would be $1700.00 or less. So, the point here is that you don’t ever owe what they are trying to collect from you - it is always far, far less.

Secondly, lets give you some more ammunition - The 1977 FDCPA (Fair Debt Collection Practices Act) gives you rights the debt collectors won’t tell you about. If you don’t want to hear from them again, its easy. Just write them a letter stating that you wish they cease all contact with you (make sure you put in the letter that - P.S. This letter is in no way an acknowledgement of the above listed debt(s) - that way they cannot even attempt to try and re-age your debt (add another 7years of collection and reporting to further harass). Send the letter registered return receipt requested mail and keep your proof of receipt. If they contact you after this for any reason other than to tell you they are either dropping the issue or taking it to court (99.99% won’t go to court as it costs them more money and their odds of getting anything are almost zero - even with a judgement) then you can sue them for each occurrence for $1,000. People win these suits every day - most settle out of court for a lot more than the original debt (just look this up on the internet under small claims court). You also have the right to question the debt and have the debt collector provide proof. Many debt collection agencies are being sued by many debtors for their failure to provide proof. Just look up Asset Acceptance on the internet - they are one of the biggest abusers of this federal law with thousands of outstanding lawsuits for harassing debt collection practices.

So, now you know how to stop debt collection agencies in their tracks. You know how to get relief - sue them! If enough people sue them things will change. Also use your state and local resources. State Attorney generals go after debt collection agencies that routinely break the law, Consumer protection agencies (the Better Business Bureau, etc…), the Federal Trade Commission goes after the worst abusers, and, of course, your state department of insurance and finance (whom actually licenses these agencies rto operate in your state). You state department of finance and insurance, or similar, has the power to fine, punish and even banish the debt collection agency from your state. Every state requires a debt collection agency to be licensed and put up a large financial bond (around $50,000) to operate in your state. Call these folks if you are having problems with a debt collection agency - they will get immediate results in your favor. Don’t threaten the collection agency that you have these rights - use them. Bring the collection agency to its knees if they are violating your rights.

The other problem is are these bills, debts even correct? Many hospitals, doctors, etc… have no ethics and will purposely double or even triple bill patients without insurance because they know they can get away with it. If you have a question about your bill demand a itemized bill and have this professionally examined. This will reveal things like overcharging ($100 tissue boxes, 1000 percent markup on medicines, etc…) We entrust these hospitals and doctors with our lives and then they screw us by double billing or worse. Right now there is no government policing on hospitals. Many times a debt collector will actually make up a debt or illegally pass one on to you from someone else (Asset Acceptance has been sued for this many times). Do not assume that you owe any debt and take them to task. If you do owe it, pay it, but pay the least amount possible, and pay it on your terms. If they break the law - make them pay!

If you have a problem with a bill make it known to your state politicians. If enough people do this things will change. Write to your local newspaper, tell a friend, do a press release. Tell others of their rights. Cigarette boxes come with warnings - shouldn’t debt collectors and debt collection agencies with their high propensity to skirt the law also come with mandatory warnings? The more the word gets out, the better the odds something will be done about it.
David Maillie holds numerous patents including his recently awarded patent for headlight repair, cleaner and restorer. He can be reached at M.D. Wholesale: MDwholesale.com Bestskinpeel.com

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