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One of the worest things about being in debt trouble is being afraid to answer the phone or open your mail. This list of 50 found on bankrate.com is inspiring if you want to get out of debt. For some reason 23-26 struck a chord with me. How about you?

23. Not screening for credit collection calls or letters.
24. Looking forward to opening your mail.
25. Never having to meet Judge Judy.
26. Reading a statement that reads “paid in full.”

50 good things about being debt-free

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I found this article on ExineArticles. It’s titled How to avoid late fees. I have one simple full proof method, pay on time!! No need to read this article, just pay on time. However if you want to read it you can.

Everyone hates late fees and being late will cost you dearly these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can put a nice sized hole in your pocket really quick.

How to Avoid Credit Card Late Fees

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BankRate.com has posted two really good form letters you can use when dealing with debt collectors. It’s best to arm yourself with knowledge before you take on the likes of a collection agency.

Getting out of debt requires an aggressive plan, especially when dealing with collection agencies. Proactive measures can save you money and time, as well as help you avoid drastic consequences, such as a lawsuit or wage garnishment. These letters will help you take control of the situation.

Responding to a debt collector
Debt collectors ringing your phone off the hook for a debt you don’t owe? This letter will set them straight.

Negotiating with debt collectors
When you’re ready to get a debt out of collections, it’s in your best interest to get the best deal possible. This letter will get your negotiations started.

Form letters for debt collector problems

technorati tags:Debt Collection Letters, Sample letters, collections, debt

I found this great online stream on NPR about how to get out of debt. Some really important info is in this 30 minute online radio show. I know it’s hard to find 30 mintues in the day just to listen to a radio show but it’s worth it.

Here is a direct link to the radio show

Financial analysts and a collections expert discuss the process of debt collection and why some consumers who don’t know their rights end up more in debt than when they started.Guests:Walter Robinson, editor of The Boston Globe series called “Debtors’ Hell”; assistant managing editor of the GlobePeter Duffey, owns Double Helix Inc., a private investigation firm, which provides debt collection support servicesLiz Pulliam Weston, writes a twice-weekly column for MSN Money; author of the books Your Credit Score and Deal With Your Debt

NPR : In Debt, with No Easy Way Out

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