Finding a Bankruptcy Lawyer

Many lawyers specialize in certain areas, and some have a better reputation than others.

Consolidating your credit cards requires good credit

Finding the right type of interest rate is just as crucial as the rate's actual percentage.

Unsecured Versus Secured Credit Cards

Despite the collateral, secured cards carry high fees. Still, they are easier to obtain than unsecured cards.

One Monthly Payment or Bills, Bills, Bills

Bill consolidation programs are essentially loans that are provided to help pay off existing bills.

Lowering Your Monthly Mortgage Payment

How to do so temporarily.

Mortgages rates at an all time low

Now may be a good time to get a new mortgage or refinance an existing one.

Low fee payday loans still have sky high rates

They still have a much higher rate than typical loans.

What Your Credit Score Really Means

Although your credit score is not what defines you as a person, it can most likely be what defines you as a borrower. Lenders use credit scores to predict repayment rates based on past performance.

Applying for New Credit

Applying for an account can hurt you in the short term and help in the long term.

Federal Help with Credit Card Debt

If you are in debt or struggling financially, the federal government does have some programs that may assist you, though not in the form you might think.

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Sample Letters

One of the easiest ways to handle your own debt problems is to use a template. We at Debtors Unite believe that it is essential that you have access to useful tools that can help you work through your own struggles.

These templates are easily editable so that you may use them to fit your needs and situation. While these letters may serve as useful guides to resolving simple situations, they are not a substitute for legal counsel. An attorney should be consulted for any serious legal action against you.

Feel free to select from the applicable sample letters that are available as a guide. Alternatively, you may download the Word document so that you may make your own revisions so that it fits your situation.

Expiration of Statute of Limitations: This letter can be a useful guide when informing a debt collector that your debt is no longer collectible.
Request for a Lower Interest Rate: This letter can guide you through the process to encourage your lender to reduce your interest and retain your business.
Request for a Lower Minimum Payment: This is a guide for making a request for a lower payment.
Request for Validation of Debt: This letter may be sent within 30 days of receiving notice from a collection agency. It ensures you receive proof of any debt that you owe to the collector.

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