Warning: Today's
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Articles > Business and FinanceWarning: Today's "Non Profit Credit Counselors" Are Yesterday's Bill Collectors!
by: Chuck Huckaby Here's a dirty secret, today's "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy! In the "debt collection biz", creditors will sell your outstanding debt along with the debt of hundreds of others to a collection agency for cash up front. The collection agencies will work this debt until they've made all the money they can. Then they'll keep selling this block of business to whomever will buy it. This explains why you can stop being pestered by a bill collector for a while then a completely different bill collecting psychopath will start calling your house or sending you threatening letters out of the blue when you thought they were finished. The Fair Credit Reporting Laws have put some damper on their crude activities, as have the bankruptcy laws. But yesterday's bill collectors have gotten wise. If people go bankrupt, the creditors get virtually nothing. So why not figure out a way to get people to voluntarily pay much more than they would otherwise by going through bankruptcy? So today, yesterday's bill collectors often masquerade as "non profit credit counselors". Business must be good for these "non profits" because they're out on the internet paying $10 per lead for potential debt consolidation clients! Their "come on" to the consumer is "Don't declare bankruptcy! It will RUIN your credit and cost you money! Use our FREE service instead." There's no such thing as a free lunch of course. What unsuspecting consumers DON'T KNOW is that using these services may ruin their credit anyway. And these "Free Services" are being paid handsome commissions on every dollar the collect from you! Then they report exactly what they've done to the credit reporting firms and potential creditors in the future MAY consider you a potentially WORSE candidate than a formerly bankrupt person because if they extend you credit and you fall on hard times again, you stil have the option of going through bankruptcy! Learn your rights. It's possible for ordinary people with a computer and printer to use the law to "lick bill collectors with a stamp!" Without giving up your privacy, without having a credit counseling firm "rat" on you, it's possible to achieve the same results that others have used expensive attorneys to achieve - when you know your rights! Cleaning your credit report is something you can do. Paying off debts for pennies on the dollar is something you can do. Educate yourself at sites about free credit repair techniques like http://www.CreditRepairDude.com ... and beware today's Bill Collector Wolves in Non Profit Sheep's Clothing! ?>
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LivePerson Launches Keyword Lift, an Intelligence Tool that Increases Conversions from Paid Search
NEW YORK, May 23, 2012 /PRNewswire/ -- LivePerson, Inc . (NASDAQ: LPSN), a provider of real-time intelligent engagement solutions that increase conversions and improve the customer experience, today announced ... Accelerating Revenue Growth With Keyword Parity
As campaigns mature, keywords evolve from experiments to proven revenue drivers. Remembering to add a keyword to Bing after a successful trial in Google or remembering to expand a new top performing keyword across its other match types is easier said than done. Link Building on Partial Keyword Combinations
Some websites want to rank for keyword combinations with every U.S. city, maybe even combined with a large range of services. Acquiring links for the individual recurring parts of your keyword combos is the best solution, but how does it work? Internal Linking to Promote Keyword Clusters
A logical and well-coded site architecture that serves your visitors is critical. Here’s how internal linking works, why clustering promotes the strength of sections of a website providing global ranking benefits faster, and how to build the links. 5 Tips for Conducting Semantic Keyword Research
With the recent launch of Google’s “Penguin” algorithm change – which aims to cut webspam detected through a number of different avenues including low value backlinks and keyword stuffing – deploying proper keyword optimization across your websites will become more important than ever. Now, when I say “proper keyword optimization,” I don’t mean, “pick a [...]
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