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Debt Consolidation

Services offering advice regarding the management of personal debts and the combination of several individual loans into one large loan

1,173 Questions

Where can you find information about a collection department or agency called IC System INC?

You didn't specify what area so.. IC System Inc.#1...444 E.Highway 96, St.Paul,MN. 55127, 1-800-443-4123. IC System Inc#2...Suite 225, 5201 Congress Avenue,Bocca Raton, FL. 33487, 1-800-683-5633. IC Sytem Inc. #2 (branch)..Suite 231, 5501 N.Swan Rd., Tucson, AZ. 85718, 1-520-577-0173.

Compare us tolpographic maps and with other countries?

Topographic maps in the US are typically produced by the United States Geological Survey (USGS) and provide detailed information on terrain, elevations, and land features. Other countries may have similar topographic maps produced by their respective government agencies, such as Ordnance Survey in the UK or Geoscience Australia. These maps are vital for activities like hiking, emergency response, and infrastructure planning. Differences may exist in scale, level of detail, and accuracy based on the specific needs and resources of each country.

What are some ways prejudice can be eliminated or reduced?

Prejudice in an individual can only be eliminated if the individual thinks that their prejudice is wrong. To solve the problem of prejudice, people need to be convinced that their views are mistaken. That's the bottom line.

What is the most effective strategy to reduce prejudice and us-them thinking?

One effective strategy to reduce prejudice and us-them thinking is through education and exposure to diverse perspectives. Encouraging open dialogue, fostering empathy, and promoting multicultural experiences can help challenge stereotypes and promote understanding among individuals from different backgrounds. Additionally, creating policies that promote equality and inclusivity can help combat prejudice at a systemic level.

Your neighbors constantly say bad things about you i have over heard them on numerous occations its causing you to be under stress can you file a civil suit?

It may be possible to file a civil suit for defamation if your neighbors are making false statements about you that harm your reputation. However, it can be a complex and time-consuming process, so you may want to consider trying to resolve the issue through communication or mediation first. Keep any evidence of the harmful statements for potential legal action.

How long do you have to pay a court ordered debt?

The time frame to pay a court-ordered debt varies depending on the specifics of the judgment and the laws in your jurisdiction. Generally, it is best to consult with the court or a legal professional to understand the specific timeline and requirements for paying off the debt.

What is the law on unpaid credit charges?

In the United States, consumers are protected by the Fair Credit Billing Act, which sets rules for the resolution of billing errors on credit card accounts. If a consumer believes they were charged incorrectly on their credit card, they have the right to dispute the charge with the credit card company. It is important to report any billing errors promptly to avoid being responsible for unpaid charges.

Can you be arrested in Canadian customs for not paying credit card debts?

No, you cannot be arrested in Canadian customs for not paying credit card debts. Debt is a civil matter, not a criminal one. However, customs officials may request payment or additional information if they have concerns about your financial situation.

Can a creditor take money you win in a law suit for a injury case?

Yes, a creditor may be able to garnish the funds you win in a lawsuit for an injury case if you owe them money. It is important to consult with a legal professional to understand your rights and options in such a situation.

What is Summons personal service on a natural person?

Summons personal service on a natural person involves delivering legal documents in person to the individual being sued. This ensures that the person is aware of the legal action being taken against them and has the opportunity to respond appropriately in court. It is a crucial step in the legal process to ensure due process is followed.

What is the maximum sentence for stealing?

It depends on the country, previous offences, the seriousness of the crime etc

In some places you could get life imprisonment.

What can I do if I am being sued for a past SOL debt?

Collectors may sue you if they are contending that the Statue of Limitations has not passed, although it is technically against the law for them to do so. If you are able to prove that the Statue of Limitations has expired, the case will most likely be dismissed.

You work for a collection agency you know the laws a collector called your grandparents house a released personal information about your debt to your grandparents without your permission While calling?

You have two options: You can find out if your state allows you to record a conversation with the other person giving you verbal permission. If you can tell your grandparents to record this information, make sure you catch them telling your grandparents your personal informaiton. Then you either contact a "Consumer Law Attorney", or you file a small claims court order towards the collection agency. They have violated your rights! Take them to court! You can also go to creditinfocenter.com and purchase a book that is called, "Turning the Tables on Your Creditors". Read the Credit Reporting Laws, Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Good Luck with this process. One more thing if you purchase this book, The FCRA, and CRA laws will be included. Wanda Improve Credit, LLC

Is it legal for debt collectors to use intimidation tactics when contacting the debtor?

NO!NO. They are now allowed to harass you. You should call back and speak with their supervisor. If they don't do anything, report them to consumer affairs. The Department of Consumer affairs works at the state level- so contact your local Consumer Affairs department to file a complaint. In Addition No.. and if they do, tell them your contacting the FTC- Federal Trade Commission- to report them.

Debt collectors, in the US, who cross the line are actually breaking the law (5 laws in particular):

  1. Fair Debt Collection Practices Act
  2. the Fair Credit Reporting Act
  3. Truth in Lending Act
  4. Fair Credit Billing Act
  5. and the Gramm-Leach-Bliley Act

If you have a judgment against you and don't pay can you go to prison?

AnswerNo. People are not sent to jail for not paying their debts. A writ of judgment is granted when the plaintiff wins the lawsuit. The judgment can be enforced in several ways, pursuant tot he laws of the debtor's state of residency. The preferred form is wage garnishment or bank account levy. It can also be in the form of a lien against property or liquidation of nonexempt assets belonging to the debtor(s). In very rare cases a creditor will attempt to bring criminal fraud charges against a debtor. This can only be done if it can be proven beyond doubt, that the person had "sufficiently evil intent" to defraud the creditor. An example would be, maxing out credit cards then moving to another state and living under an assumed name.

Always keep in mind: The only "Debtor's Prison" is the one of your extremely poor credit rating and your inability to move forward when it comes to just about anything that has to do with credit these days...which is everything. Owning a house, a new vehicle, utilities, insurance...your credit rating affects the rate you will pay for everything. Pay your bills on time. That is the best advice.

What is normal consolidation in terzaghis theory?

Normal consolidation in Terzaghi's theory refers to the process of soil particles settling under applied loads, with the excess pore water being expelled from the voids within the soil mass. This consolidation occurs gradually over time due to the dissipation of excess pore water pressures, leading to a decrease in soil volume and an increase in effective stress. The rate of consolidation is influenced by factors such as soil properties, loading conditions, and permeability.

What is paraphrasing in counseling?

Paraphrasing in counseling involves rephrasing the client's words in a way that demonstrates active listening and understanding. It helps counselors reflect back the client's thoughts or feelings to encourage deeper exploration and clarify the client's perspectives. This technique can foster rapport, empathy, and better communication between the counselor and client.

What happens to debts if a person goes into a care home for the elderly with alzheimers and the local authority claim the pension to pay for the care home leaving no money to pay the debts?

If a person's pension is claimed by the local authority to pay for care home costs, any remaining debts may go unpaid. In this situation, it is important to communicate with the creditors about the individual's circumstances and seek advice on how to manage the debts effectively. Any joint debts could potentially fall on the other party, depending on the specific arrangements.

Can you work as a correctional counselor in atlanta with a felony?

It is possible to work as a correctional counselor in Atlanta with a felony, but it may present challenges given the nature of the job and restrictions related to working with individuals who have criminal backgrounds. It ultimately depends on the specific hiring policies of the correctional facility and the nature of the felony conviction.

In what countries is spanish spoken other than Spain and all those countries south of the US?

Spanish across the worldOther than in Spain and Latin America, Spanish (or Castillian) is spoken in Equatorial Guinea (West Africa), the Philippines (by part of the population), and in Morocco, in the cities of Ceuta and Melilla, which are Spanish territory. It is interesting to note, too, that Spanish is also used in a few South Pacific islands, such Easter Island (which belongs to Chile) and Galapagos (which belongs to Ecuador). Similarly, there are a few areas in the U.S. in which Spanish has been spoken since before they were US territories. Among these, parts of Texas and Louisiana should be mentioned. A special reference has to be made to the San Bernardo (St. Bernard) community east of New Orleans, established in late 18th Century by settlers from the Canary Islands (Spain). Finally, Spanish is heard in several other parts of the world, such as in Israel, and Istanbul (Turkey), among Sephardi people, Jews of Spanish ancestry.

(see related questions)

What is consolidated pay?

Consolidated pay, also known as consolidated salary or remuneration, refers to an employee's total compensation package rolled into a single amount. This means it combines several elements of your regular earnings into one figure, unlike a traditional breakdown of salary, allowances, and benefits.

Here's a closer look at consolidated pay:

What's Included:

Base Salary: The fixed amount you receive for your work, typically paid monthly or bi-weekly.

Allowances: These can vary depending on your position and company, but may include things like housing allowance, transportation allowance, meal allowance, or uniform allowance.

Other Benefits: In some cases, commissions, bonuses, or other perks might also be included in consolidated pay.

Key Points:

No Breakdown: You won't see a separate line item for each component that makes up your consolidated pay. The total amount will be a single figure.

Tax Implications: Consolidated pay is still subject to taxes and deductions, just like a traditional pay structure.

Contractual Details: The specific details of what's included in your consolidated pay should be outlined in your employment contract or offer letter.

Here are some benefits and drawbacks of consolidated pay to consider:

Benefits:

Simplicity: Easier for employees to understand their total compensation.

Transparency: May eliminate confusion about deductions from various allowances.

Negotiation: Can simplify negotiation of total compensation package.

Drawbacks:

Limited Transparency: May not be clear exactly how much each component contributes to the total pay.

Budgeting: Can make it trickier to plan your budget if you don't see a breakdown of allowances.

Benefits Comparison: Can make it harder to compare benefit packages with other employers who offer a traditional pay structure.

Who pays off all of Pip's debts?

Magwitch, the convict who Pip helped in the past, is revealed to be the one who pays off all of Pip's debts in the novel "Great Expectations" by Charles Dickens. This act of kindness showcases Magwitch's gratitude towards Pip and his desire to make amends for past wrongdoings.

Where can you find sample business letters for winning awards?

A Proposal letter deals with the suggestion that is a move to persuade and inform the recipient in order to do something. Proposal letter contains important elements which should be mentioned to order to have some good chance of persuading the readers. The elements must include what the sender proposes to do, how he intends to do it and how much is the cost.

From:

Joseph D. Gove

1568 Southside Lane

Los Angeles, CA 90071

January 26, 2010

To:

Michelle T. Nishida

Chief Executive Officer

Johnson Companies Inc

4535 Broadcast Drive

Chantilly, VA 22021

Dear Mr. Nishida,

We are sending this proposal letter to personally invite you about the sponsorship of the event, with regards to the fundraising for the poor children. The NGO would like to invite you as sponsor to help us in completing the tasks of collecting enough amount of funds for the needy children to offer them education, shelter, and food. You can look for a list of sponsors attached in the letter.

NGO is organizing events each year to raise funds. If you are interested you can sponsor us with the arrangement, we can provide certain benefits for the company advertisement in the event by putting some hoardings and banners. Your company will as well advertise for 6 months in the monthly magazines. We are looking forward for the positive response that you have.

In case for your query you can call us any time you want in our official number. Thank you.

Sincerely yours,

Joseph D. Gove

Where can you find a sample of a thank you letter?

http://www.i-resign.com/uk/letters/letters.asp is one of many. Try googling (sp) resignation letter + template. ==It sounds== like you might be considering tendering a letter of resignation. If so, I believe that it can, and probably should, be short and sweet. If you have many, and/or major reasons for leaving the company, you might want to NOT itemize all of your reasons. There's no need to alienate your present employer, particularly if you hope to get a letter of recommendation. Also, if you haven't been able to solve or address those problems while on the job, it's unlikely that writing a long drawn out letter will solve them. If you find that there is no growth potential in terms of responsibility or salary, it's time to move on. You could say something like, "I've enjoyed my time here at the ABC company, but I feel that I would like to explore other opportunities." Shake hands, smile, and say goodbye. Try not to burn any bridges...I know from bitter experience!

What does a collector do?

According to the Consumer Financial Protection Bureau and under the Fair Debt Collection Practice Act, a collector is a person, an agency or a company that regularly collects debt that is owed to others. Collection is usually made on delinquent or past-due accounts.

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