WHY CHAT'S CREDIT CONFUSION


THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY-ANY COMMERCIAL USE OF THIS SITE OR ANY OF ITS CONTENTS IS PROHIBITED

THE INFORMATION LINKS AND SAMPLE LETTERS ON THIS SITE ARE NOT LEGAL ADVICE, WITH THE EXCEPTION OF GOVERNMENT SITES,THERE IS NO REPRESENTATION AS TO THE VALIDITY, EFFECTIVENESS OR VALUE OF ANY MATERIAL CONTAINED HEREIN.

SEE A LAWYER IN YOUR HOME STATE

NACA SITE - FIND A LAWYER
Consumer Lawyer Website

LAWYER REFERRAL LINKS
Links To Legal Help

LEGAL AID
Limited Emergency Help For Low Income Clients

Credit Forums And Websites

CREDITBOARDS
Accurate Helpful Information

LAWRENCE RUBIN
FDCPA Legal Assistance From A Consumer Lawyer

GENERAL INFORMATION

OPT OUT INSTRUCTIONS
Important FIRST step for credit repair

ABBREVIATIONS
A short guide

COLLECTION AGENCY DICTIONARY
Glossary Of Collection Agency Terms

CONSUMER SENTINEL
Fraud Information And Reporting

OPT OUT INFORMATION
Tel.#'s & Instructions

THE MEANING OF SOL
Complete explanation of reporting & lawsuit SOL

STATE'S STATUTE'S OF LIMITATION
State's SOLs for open accounts,judgments,+ collection agency licensing

STATE CREDIT LAWS
Consumer Credit Statutes

FORM LETTERS

VALIDATION INSTRUCTIONS AND SAMPLE CREDIT LETTERS
Includes Sample Vacating Of Judgment

WHY CHAT'S SPECIAL PURPOSE LETTERS

GUIDE TO USING SPECIAL LETTER PROGRAMS

LETTER TO COLLECTION AGENCY VALIDATION/DISPUTE/CEASE & DESIST
Basic All Purpose Letter

SPECIAL LETTER TO COLLECTION AGENCY NOTIFICATION OF SOL
This Letter Responds To Threat of Lawsuit Plus Follow-up Letter to CRAs

HIPAA LETTER PROGRAM-DISPUTES AND PAYMENTS
For Medical Account Collections

MEDFICO
Updated information on health insurance issues

LETTER TO DISPUTE REPOSSESSION DEFICIENCY
To Stop Collection Activity And Reporting

LETTER TO CREDIT BUREAUS-FRAUDULENT ENTRIES
For Unknown Entries

LETTER TO CREDIT BUREAUS-REINSERTION & REDISPUTE
Pre-Lawsuit Filing

LETTER TO REFUSE ARBITRATION

HOW TO ANSWER A LAWSUIT PAST SOL
Guide To Answering A Lawsuit For Credit Card Debt

DELETE INCORRECT JUDGMENTS FROM REPORTS
Guide To Deleting Judgments

MISC. LEGAL STUFF

FTC
Everything You Need To Know + Filing Complaint

FACTA INFORMATION & FREE CREDIT REPORTS
Roll Out Dates & FACTA Rules

FCRA
Compiled

CONSUMER FINANCIAL PROTECTION BUREAU

THE GRAMM-LEACH-BLILEY ACT
Privacy of Consumer Financial Information

COURT PROCEDURES
Links to all State's Courts Rules & Procedures

MORE STATE COURT PROCEDURES

FDCPA 2008 REPORT
Latest report with updated opinions

FDIC RULES
Chargeoff and re-aging rules for ORIGINAL CREDITORS

STATE CREDIT STATUTES
Statutes Relating To Contract Changes

1099C FORGIVEN DEBT
IRS Rules On 1099C

NOTARY TERMS
Check for "back dated" fraudulent notarizations

BAD CHECK LAWS
State Bad Check Statutes

GENERAL AUTO REPO RULES

STATE AUTO REPO LAWS
Requirements For Legal Repossession

ENFORCING FOREIGN JUDGMENTS
Rules For Domestication and Enforcement

STATE'S TAPING LAWS
State Laws On Tel.Wiretapping

STATE INTEREST RATES AND USURY LAWS
Legal Interest Limits

STUDENT LOANS
Information on defaulted student loans

MEDICAL INFORMATION BUREAU
Free Annual Report

MEDICAL BILLING ADVOCATES
Help with medical bills

BANKRUPTCY INFORMATION

FEDERAL & STATE EXEMPTIONS

What Is Exempt From Seizure

BANKRUPTCY TIME LINE
Schedules & Rules

 

Statutes of Limitation (SOL)

Look up the SOL for your State at this link FIRST: STATE SOL then check for matching statute for your State.

ALABAMA MONTANA
ALASKA NEBRASKA
ARIZONA ( % ) NEVADA
ARKANSAS NEW HAMPSHIRE
CALIFORNIA ( % ) NEW JERSEY
COLORADO NEW MEXICO ( % )
CONNECTICUT NEW YORK
DELAWARE NORTH CAROLINA
DISTRICT OF COLUMBIA NORTH DAKOTA
FLORIDA OHIO
GEORGIA OKLAHOMA
HAWAII OREGON
IDAHO ( % ) PENNSYLVANIA
ILLINOIS RHODE ISLAND
INDIANA SOUTH CAROLINA
IOWA SOUTH DAKOTA
KANSAS TENNESSEE
KENTUCKY TEXAS ( % )
LOUISIANA ( % ) UTAH
MAINE VERMONT
MARYLAND VIRGINIA
MASSACHUSETTS WASHINGTON (%)
MICHIGAN WEST VIRGINIA
MINNESOTA WISCONSIN
MISSISSIPPI WYOMING
MISSOURI  
( % ) = Community Property state

Although credit grantors are excluded from the provisions of the Fair Debt Collection Practices Act, the District of Columbia and the following states include original creditors in their debt collection laws:Arkansas, California, Colorado, Connecticut, Florida, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Vermont, West Virginia, and Wisconsin.

A Security Freeze Is Available In All States. You must request the security freeze at all three major credit bureaus.


IF YOUR FIRST DEFAULT WAS IN A "SHORTER" SOL STATE,AND YOU ARE NOW IN A "LONGER" SOL STATE, YOU MAY BE ABLE TO USE THE "SHORTER" SOL-SEE YOUR STATE'S "BORROWING" STATUTE

All Credit Card Accounts are Open Accounts

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