Living Without Credit
By Pay Off Debt Advisor | May 2, 2009
It’s a common belief these days that you simply HAVE to use credit to survive, but this is far from the truth. How do you think people survived before credit cards were invented? The first credit card ever invented was the Diners Club card in the early 1950s, and it wasn’t until decades later that [...]
Protect Yourself From Debt Collectors
By Pay Off Debt Advisor | May 2, 2009
You have an obligation to repay your debts, even if you have fallen on hard times. However, you don’t have an obligation to be harassed, to be threatened, to be treated badly. The Fair Debt Collection Practices Act offers protection to consumers who have borrowed money. This does not mean that you can, or should, [...]
