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For more information or to speak with a Debt Negotiation Representative call: 1-888-577-5623. http://www.lower-my-payments.us/debt_relief.php Many people today are overextended with debt due to extensive credit card debt they have built up. It seems like the credit card companies know as soon as you're eligible to get a credit card, all of a sudden you're flooded with "special offers" that promise you a better life if only you sign up with them. When credit cards are misused they can lead to overwhelming credit card debt that will take years to get rid of, not to mention the years of stress and mental anguish associated with debt. At some point your bills may feel scattered and overwhelming, its our commitment and mission to pick up those scattered pieces and form one affordable, solid plan. Our debt relief service can lower your bills and payments up to 40-60%. 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We feel it's our responsibility to explain the motivation behind collection agencies and caution clients, potential clients and online visitors. http://www.lower-my-payments.us/fdcpa.php As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692-1692p. Please note that the format of the text Lower-My-Payments.us provides differ in minor ways from the U.S. Code and West's U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. http://www.lower-my-payments.us/fdcpa_1.php If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. http://www.lower-my-payments.us/bankruptcy.php The disadvantage of filing for personal bankruptcy is that a record of this stays on the individual's credit report for 10 years. During the pendency of a Chapter 13 case the debtor is not permitted to obtain additional credit without the permission of the bankruptcy court. Moreover, creditors may not be willing to risk lending money to such an individual. For more information or to speak with a Bankruptcy Attorney or Debt Negotiation Attorney contact Lower-My-Payments.us to receive a free debt evaluation and saving estimation: 1-888-577-5623. http://www.lower-my-payments.us/privacy.php We use the information we collect about you in order to learn more about your interest in the services we provide, to effectuate our service and to provide you with information regarding various services. http://www.lower-my-payments.us/testimonials.php I can still remeber my first conversation with Katie, she walked me through the various programs that Lower My Payments offered. When I found out how much lower my monthly payment were going to be, I just wanted to know how to sign up. My debt counselor kept in contact with me for 14 months until all my debts were settled. When Lower My Payments consolidated my bills into one payment it made a drastic change. For one I wasn't spending my money on interest and late charges. There was a plan in motion to get out of debt! I knew it was going to take some time but the wait was well worth it. My credit score was 4.3 before the program because of all my past due payments. during the 13 months in the program my credit stayed 4.3. I spoke with a representative at the credit bureau and now that all my credit card debt has been settled and resolved my credit score will start working its way back up! http://www.lower-my-payments.us/learning.php Bad Debts - The term used to describe items purchased on high-interest credit cards that quickly depreciate in value. The buyer continues to make partial payments on the credit card with interest each month, while the item loses value. The amount paid for the item continues to increase with each payment. http://www.lower-my-payments.us/learning_2.php Balance Transfer - The process of moving a high-interest credit card balance onto another card with a lower interest rate. Consumers often use a balance transfer to consolidate multiple high-interest debts onto one card, but the low interest rate usually lasts for a brief three month period. http://www.lower-my-payments.us/learning_3.php Consumer Credit Counseling Service - An agency that offers debt management services to help people repay debts while working on behalf of creditors. The service aims at getting the debtor to repay all debts in full. The service also provides educational tools to assist people with debt. http://www.lower-my-payments.us/learning_4.php Credit Card Debt Consolidation - A debt-relief method that combines multiple credit card debts into one debt with a lower interest rate. The new debt often carries small monthly payments for an extended term, and the consumer benefits by dealing with one debt instead of multiple debts. http://www.lower-my-payments.us/learning_5.php Debt Management - A plan created to help a consumer pay off debts and sustain financial responsibility. Debt management programs may, but do not always, include debt negotiation, budgeting and financial counseling. http://www.lower-my-payments.us/learning_6.php Debt-Relief Company - A firm that specializes in resolving debt problems on behalf of its customers. These companies may be called debt consolidation firms, debt settlement firms or debt management firms. http://www.lower-my-payments.us/learning_7.php For-profit Debt Relief Company - A debt-relief agency that does not receive subsidies or compensation from credit card companies to help customers relieve debt problems. http://www.lower-my-payments.us/learning_8.php Interest - The cost of borrowing money, usually expressed as a percentage rate. http://www.lower-my-payments.us/learning_9.php Loan Consolidation - The process of combining multiple loans into one large loan to reduce interest and payments. http://www.lower-my-payments.us/learning_10.php Low-Interest Credit Card - A revolving line of credit that carries a lower interest rate than most credit cards either for an introductory period or throughout the life of the credit. http://www.lower-my-payments.us/learning_11.php Payday Loan - An advancement of money in exchange for a personal check the lender holds until payday, when the borrower can redeem the check, allow the lender to deposit it or write another post-dated check to cover the original amount plus a new fee. http://www.lower-my-payments.us/learning_12.php Repayment Plan - An arrangement set up for consumers to pay off debts over a specified period with fixed monthly payments. http://www.lower-my-payments.us/learning_13.php Secured Debt Consolidation Loan - A loan backed by collateral that a borrower uses to pay off creditors by converting multiple debts into one secured debt. http://www.lower-my-payments.us/learning_14.php Unsecured Debt Consolidation Loan - An advance of money not backed by an asset for the purpose of replacing multiple debts with one loan at a lower interest rate. http://www.lower-my-payments.us/learning_15.php Zero Balance - The appearance on a consumer's credit card bill when all debts have been paid off. Consumers begin their credit cards with zero balances. http://www.lower-my-payments.us/sitemap.php Lower-My-Payments.us - Lower your bills and payoff your credit card debt through debt consolidation, settlement and negotiation services. For information regarding our service call 1-888-577-5623, or visit us online.