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Complete guide to all kinds of help

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

MISC. LEGAL STUFF

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

IF YOU FEEL YOU HAVE BENEFITED FROM THE INFORMATION ON THIS SITE,YOU MAY MAKE A CONTRIBUTION TO:
KITTY ANGELS
OR YOUR LOCAL "NO-KILL" ANIMAL SHELTER
OR YOUR LOCAL OR NATIONAL CHAPTER OF THE
HUMANE SOCIETY
or ASPCA
OR TO YOUR LOCAL OR NATIONAL
HABITAT FOR HUMANITY

YOU MAY ALSO CONTRIBUTE THROUGH
THE NETWORK FOR GOOD
WTH AN ACKNOWLEDGMENT TO whychat@att.net

e-mails will not be answered- to get assistance go to

CREDITBOARDS