Credit Repair 10th Edition
Buku Ini adalah buku edisi sepuluh yang diterbitkan tahun 2011 oleh NOLO Law for All.
Judul: Credit Repair 10th Edition
Oleh: Robin Leonard & Attorney Margaret Reiter
Penerbit: NOLO Law for All
Tahun: 2011
Jumlah Halaman: 458 hal.
Penulis:
Robin Leonard lulus dari Cornell Law School pada tahun 1985. Dia adalah penulis atau co-penulis banyak buku Nolo, termasuk Solve Your Money Troubles: Debt, Credit & Bankruptcy, How to File for Chapter 7
Bankruptcy, and Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.
Margaret Reiter adalah penyidik konsumen dengan Los Angeles County Consumer Affairs Department selama empat tahun dan bekerja selama 20 tahun sebagai jaksa konsumen dengan California Attorney General’s Consumer Law Section. Dia telah melibatkan diri dalam urusan bisnis terlibat penipuan konsumen, termasuk penyitaan "konsultan," pemberi pinjaman hipotek, penyelesaian utang perusahaan, sekolah kejuruan, kepercayaan hidup mill / anuitas penjual, prabayar perusahaan kartu telepon, dan penyedia pinjaman antisipasi pengembalian pajak. Dia telah menyusun undang-undang konsumen undang-undang perlindungan, menganjurkan untuk perlindungan konsumen yang lebih kuat sebelum ke badan hukum, jaksa dan dilatih peneliti lainnya, dan menyiapkan peringatan konsumen dan berbicara kepada publik Kebenaran-in-Pinjaman, membanting telepon dan menjejalkan, kebenaran dalam tagihan telepon, kebangkrutan, dan sekolah kejuruan, antara topik konsumen lainnya.
Lingkup Pembahasan:
Buku ini terdiri atas 13 Bab meliputi: 1) Unsur Perbaikan Kredit, 2) Laporan Kredit dan Skor Kredit: The Intisari, 3) Langkah Pertama-Membersihkan Up Kredit Laporan, 4) Menilai Situasi Keuangan,
5) Mengurangi Beban Lancar dan Hutang, 6) Mengurangi Mortgage Hutang Anda, 7) Mengurangi Hutang Melalui Kepailitan, 8) Menemukan Uang untuk Bayar Utang Anda, 9) Negosiasi Dengan Kreditor dan Agen Koleksi, 10) Mendapatkan Bantuan Negosiasi dan Mengelola Hutang, 11) Bangunan Positif Kredit Sejarah, 12) Memilih dan Menggunakan Kartu Kredit dan Debit, dan 13) Menghindari dan Mengatasi Pencurian Identitas.
Daftar Isi:
Your Credit Repair Companion 1
1 The Elements of Repairing Credit 3
2 Credit Reports and Credit Scores: The Nuts and Bolts 5
How Creditors Evaluate Your Credit Worthiness 7
Credit Reports and Credit Scores: What’s the Difference? 8
Your Credit Report 9
Getting Your Credit Report 11
What Is in a Credit Report? 17
Investigative Reports 22
Who Can Look at Your Credit Report 23
Your Credit Score: What It Is and Why It Matters 27
How Credit Scores Are Calculated 28
What Credit Score Do You Need to Get Credit? 33
Getting Your Credit Score 34
3 The First Step—Cleaning Up Your Credit Report 39
Common Errors in Credit Reports 41
Your Right to an Accurate Credit Report 42
Review Your Report for Errors and Incomplete or Prohibited Information 45
Dispute Incomplete and Inaccurate Information .47
Add an Explanatory Statement to Your Credit File 57
Add Positive Information to Your Credit Report 59
Check Your Credit Reports Often 62
Avoid Credit Repair Clinics 64
4 Assess Your Financial Situation 69
How to Assess Your Financial Situation 71
Determining Your Credit Repair Options Based on Your Financial Situation 81
5 Reducing Current Expenses and Debts 87
Cutting Expenses 88
Reducing Current Debt Obligations 98
6 Reducing Your Mortgage Debt 113
How a Foreclosure Works 115
How Foreclosure Affects Your Credit 118
Federal Programs for Homeowners Having Difficulty Paying Their Home Mortgage 120
Short-Term Solutions 121
Refinance 122
Modify Your Loan Terms 124
Leaving Your Home 127
How a Modification, Short-Sale, or Deed-in-Lieu
Affects Your Credit 131
7 Reducing Debt Through Bankruptcy 135
Chapter 7 Bankruptcy 136
Chapter 13 Bankruptcy 139
Bankruptcy and Credit Repair: Does It Help or Hurt? 140
8 Finding Money to Pay Your Debts 143
Ways to Raise Money 144
Options to Avoid 154
9 Negotiating With Creditors and Collection Agencies 161
Prepare a Negotiating Plan 162
Negotiating With Creditors and Debt Collectors 169
Dealing With Collection Agencies 179
Tax Consequences of Forgiven Loans 194
10 Getting Help to Negotiate and Manage Debts 197
Avoid Most Debt Relief Services 198
How Does a Debt Repayment Plan Work? 201
Debt Repayment Plans vs. Chapter 13 Bankruptcy 203
Choosing a Good Credit Counseling Organization 204
After You’ve Chosen an Agency, Monitor Your Plan 210
11 Building Positive Credit History 211
First Steps to Rebuilding Credit 212
Ways to Improve Your Credit History Without Getting New Credit. 216
Next Steps to Rebuilding Credit—Getting New Credit 223
Putting It All Together: Preventing Future Financial Problems 232
Be on Guard for Credit Discrimination 235
12 Choosing and Using Credit and Debit Cards 247
The New Credit CARD Act: What’s in It for You 248
Choosing Credit Cards 252
Using Credit Cards: How to Protect Yourself 262
Why You Should Avoid Debit Cards 269
Avoid Prepaid Debit Cards 273
13 Avoiding and Dealing with Identity Theft 275
The Crime of Identity Theft: The Scope of the Problem. .276
What’s in a Stolen Name? 277
How Can an Identity Be Stolen? 278
How to Protect Yourself 279
Protecting Your Social Security Number 284
If Your Identity Is Stolen. 286
Identity Theft Protection Products and Insurance 294
Appendixes
A Resources 297
Debtors Anonymous 298
Nolo Publications 298
Other Publications 299
Online Resources 300
Where to Complain: Federal Agencies 301
State Consumer Protection Agencies 304
B Forms and Letters 311
Form F-1 Request Credit Report
Form F-2 Request Reinvestigation
Form F-3 Request to Furnishing Creditor to Reinvestigate
Form F-4 Request Follow-Up After Reinvestigation
Form F-5 Request Removal of Incorrect Information by Creditor
Form F-6 Creditor Verification
Form F-7 Request Addition of Information Showing Stability
Form F-8 Request Addition of Account Histories
Form F-9 Monthly Income
Form F-10 Your Debts
Form F-11 Daily Expenses
Form F-12 Payments to Savings and Debt Reduction
Form F-13 Monthly Budget
Form F-14 Inform Creditor of Judgment Proof Status
Form F-15 Request Short Term Lower Payments
Form F-16 Request Long Term Lower Payments
Form F-17 Request to Pay Nothing Short-Term
Form F-18 Request to Pay Nothing Long-Term
Form F-19 Request Rewrite of Loan Terms
Form F-20 Offer (Delayed) Payment of Past Due Amounts
Form F-21 Offer (Reduced) Lump Sum Payment
Form F-22 Offer Payment Schedule to Pay Off (Reduced) Debt Form F-23 Cashing Check
Constitutes Payment in Full (Outside of California)
Form F-24 Cashing Check Constitutes Payment in Full—First Letter (California)
Form F-25 Cashing Check Constitutes Payment in Full—Second Letter (California)
Form F-26 Cashing Check Constitutes Release of All Claims
Form F-27 Offer to Give Secured Property Back
Form F-28 Request Direct Negotiation With Creditor
Form F-29 Request for Verification of Debt/Identity of Original Creditor/Return of Debt to Original
Creditor
Form F-30 Complaint about Debt Collector Violation of Law
Form F-31 Debt Collector: Cease All Contact
Form F-32 Request for Basis of Unfavorable Credit Offer or Action
Form F-33 Identity Theft Dispute Letter for Existing Accounts
Form F-34 Identity Theft Dispute Letter for New Accounts
Form F-35 Notice of Billing Error Dispute on Credit Card Bill
Form F-36 Notice of Claim or Defense Dispute on Credit Card Bill
Identity Theft Victim’s Complaint and Affidavit
Annual Credit Report Request Form
FTC Law Enforcement Cover Letter
C Additional State Protections Concerning Credit Repair Clinics 407
D How to Use the CD-ROM 415
Installing the Files Onto Your Computer 417
Using the Word Processing Files to Create Documents 418
Using Government Forms 420
Using the Spreadsheets 421
Files on the CD-ROM 423
Index 427
Berminat
Email: zanetapm@gmail.com
0 comments:
Post a Comment