Credit Repair and Debt - Legal Assist - Legal Resources - SPARC Group LLC EAP

Avoiding Credit Card Debt

Learn how to use credit cards wisely so that you don't get buriedin credit card debt.

Choosing a Credit Counseling Agency

Find a good credit counseling agency to help resolve your credit troubles.

Credit Report Basics

Learn how to obtain your credit report, and what it reveals aboutyou.

Credit Scoring

Learn what your credit score is and how to improve it.

Dealing With Collection Agencies FAQ

What you need to know about dealing with debt collectors.

Debt and Marriage: When Do I Owe My Spouses Debts?

Whether you and your spouse are liable for each other's debts depends mostly on where you live.

Debt Management Plans

More and more companies are advertising debt management plans (DMPs) as the solution to everyone's money troubles, with the rise of consumer debt and the weakened economy.

Different Types of Credit & Debit Cards

Credit, charge, ATM, and debit cards are not all alike. Here's some information to help you choose wisely.

`Dont Lose Your Home to Foreclosure Rescue Scammers`

Foreclosure "rescue" scammers steal your home, equity, and money.Here's how to protect yourself.

Dont Use a Credit Repair Clinic

Steer clear of credit repair clinics you can repair your credit yourself.

Getting a Credit Card When You Have Bad Credit

Even if you have bad credit, you may be able to get a credit card.

How to Dispute a Billing Error on Your Debit or Credit Card Statement

Once in a while, you may find an error on your ATM, debit, credit, or charge card statement. Know your rights and obligations if you discover an error. If you don't act quickly, you may lose the right to challenge the error.

Making a Budget for College

Stay out of financial trouble in college by making a budget and sticking to it.

Money Management 101

Money management is key to improving or maintaining your financial situation. Each of us has our own particular relationship to money.

Rebuilding Credit FAQ

Improve a poor credit rating so your next credit check is better.

Reduce Your Mortgage Obligations to Avoid Foreclosure

You may be able to stop paying some of your home loans without risking foreclosure.

Repossession: What Creditors Can and Cant Take

Find out what property your creditors can repossess, and what's offlimits.

Should I File for Bankruptcy FAQ

It depends on the type of debt you have. Bankruptcy is a good vehicle for eliminating credit card, medical debt, deficiencies resulting from a repossession or foreclosure, and other unsecured debt.

Tax Consequences When a Creditor Writes Off or Settles a Debt

The IRS may count a debt written off or settled by your creditor astaxable income.

Time-Barred Debts: When Collectors Cannot Sue You for Unpaid Debts

If you have old, unpaid debts, you may be safe from a lawsuit to collect the debt. This is because a creditor or debt collector has a limited number of years to sue you for an unpaid debt. This time period is set by state law and is called the statute of limitations.

What to Do If a Bill Collector Crosses the Line

In order to deal with debt collectors, it pays to learn what they can and cannot do. Although most bill collectors are careful to follow the law when contacting you, some are not. If a bill collector goes too far, you can take action.

When You Cant Pay Your Debts FAQ

I feel completely overwhelmed by my debts and don't know where to begin.

Which Debts Must You Repay?

Some debts should be paid before others. Learn which debts should be your top priority.

Your Liability for Unauthorized Credit and Debit Card Charges

Learn how to limit your liability for unauthorized credit or debitcard charges.

Explore more about Credit Repair and Debt through these resources

Avoiding Credit Card Debt

Choosing a Credit Counseling Agency

Credit Report Basics

Credit Scoring

Dealing With Collection Agencies FAQ

Debt and Marriage: When Do I Owe My Spouses Debts?

Debt Management Plans

Different Types of Credit & Debit Cards

`Dont Lose Your Home to Foreclosure Rescue Scammers`

Dont Use a Credit Repair Clinic

Getting a Credit Card When You Have Bad Credit

How to Dispute a Billing Error on Your Debit or Credit Card Statement

Making a Budget for College

Money Management 101

Rebuilding Credit FAQ

Reduce Your Mortgage Obligations to Avoid Foreclosure

Repossession: What Creditors Can and Cant Take

Should I File for Bankruptcy FAQ

Tax Consequences When a Creditor Writes Off or Settles a Debt

Time-Barred Debts: When Collectors Cannot Sue You for Unpaid Debts

What to Do If a Bill Collector Crosses the Line

When You Cant Pay Your Debts FAQ

Which Debts Must You Repay?

Your Liability for Unauthorized Credit and Debit Card Charges