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| Consumer Debt Manager | [Date] | |||
| Type of Consumer Debt | Balance | % of Total | Monthly | % of Total |
| Debt | Payment | Payments | ||
| Auto Loans | ||||
| Education Loans | ||||
| Personal Installment Loans | ||||
| Home Improvement Loans | ||||
| Other Installment Loans | ||||
| Credit Cards | ||||
| Home Equity Line of Credit | ||||
| Loans on Life Insurance | ||||
| Margin Loans from Broker | ||||
| Other Loans | ||||
| Totals | ||||
| Monthly Income | ||||
| Safe Ratio and Safe Monthly Payment | ||||
| Actual Debt Ratio and Monthly Payment | ||||
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WHAT TYPE OF DEBT COLLECTION PRACTICES ARE PROHIBITED? Harassment Debt collectors may not harass, oppress, or abuse any person. They may not: * use threats of violence or harm to the person, his/her property, or reputation; * publish a list of consumers who refuse to pay their debts (except to a credit […]
Entity Address Telephone Bonded Collection Corporation 49 Winter Street, Weymouth, MA, 02188 (312) 279-8300 GC Services Limited Partnership GC Services 5230 Washington Street, West Roxbury, MA, 02132 (405) 621-6414 Western Mass Credit Corp. 70 Post Office Park, Suite 7011, Wilbraham, MA, 01095 (413) 596-9977 United Collection Bureau, Inc. 15 Union Street, Lawrence, MA, 01843 (419) […]
FAIR DEBT COLLECTION PRACTICES ACT The federal law, the Fair Debt Collection Practices Act (“FDCPA”), protects consumers from abusive or harassing, false or misleading, and/or unfair practices of third party debt collectors or attorneys attempting to collect debts incurred for personal, family, or household purposes. Business or agricultural debts are not covered by the […]
Debt Collection FAQs: A Guide for Consumers If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from […]
Debt Collection If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too. What You Need to Know You […]