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How to get into the head of a debt collector

Illinois residents who are suffering under a mountain of debt, and especially those who are being harassed by debt collectors, will want to do everything they can to eliminate their debt fast. Fortunately, in some cases, people who are being hounded by debt collectors may be able to negotiate with the debt collector to reduce the amount they owe and get a discount.

However, in order to successfully negotiate like this, you need to get inside the head of your debt collector, know his or her motivations and understand how they tick. Here are some important points to keep in mind in this regard:

  • Debt collectors are not always honest. Sometimes, they will invent debts out of thin are that don't have anything to do with you. Sometimes, they will scare you by insinuating that you could go to jail or that other imaginary consequences will happen. Don't fall for these scare tactics and don't let debt collectors try to collect on imaginary debts.
  • The debt collector will always want to make as much money from your debts as possible.
  • Your debt collector might have the ability to charge you various fees. Be sure to understand what fees the agency may or may not charge.
  • Debt collectors can only seize your property, garnish your wages or take money out of your bank account if they sue you and get a court judgment that gives them permission to do this.

2 estate planning documents you should draft before you deploy

Most Americans wait until after they've had children or have amassed significant assets later in life to begin planning their estates. If you're an active member of the armed forces subject to deployment, though, then it definitely speeds up the need to plan your estate much sooner than that.

One of the most important documents you should have drafted is a power of attorney. It will come in handy if you need someone stateside to handle some type of financial, business or household matter on your behalf.

Tips to help you financially prepare for life after divorce

No one wants to go through a divorce, but you may come to find that this is the only way to change your life for the better.

While there is a lot to consider during the divorce process, you'll want to keep close tabs on your finances. If you neglect to do so, you could find yourself in a difficult spot in the future.

A celebrity chef is killed in a Eisenhower Expressway crash

A nine-vehicle car crash near the intersection of Wells Street and Congress Parkway at 4:20 p.m., on Saturday, Jan. 27 left one motorist dead and nearly a dozen others with varying injuries. Chicago police have since identified the 35-year-old decedent as having most recently worked as a private chef for a basketball player with the Chicago Bulls. Before that, he'd worked at several downtown eateries as a chef.

Illinois State Police officers responsible for working the crash scene were cited as saying that a 56-year-old male driver of the Mercedes had instigated the domino effect crash. They acknowledged that they suspected he'd had a medical emergency just as he was preparing to leave the Eisenhower Expressway.

How can you pay off your credit card bills quickly?

Getting out of credit card debt is going to take work and it isn't going to be easy. You will need to make a plan to make this happen. One thing that is certain is that you can't just pay the minimum monthly payments and think that you are going to get out of debt quickly.

There are several options that you have to getting your credit cards paid off as quickly as possible. You have to sort through each of the options so that you can determine which of these is going to work for your needs. Here are some questions that might help you determine the best option:

Woman at front door of bar killed by drunk driver

You never think that heading out to a bar to relax a bit is going to be the last thing you do. However, this is exactly what happened to one women who went out to The Palms with friends. The woman was struck by a driver who ran into the front door with his vehicle.

The victim died from the injuries she suffered in that tragic, fatal crash. She was a sophomore studying elementary education at Northwest Missouri State University. She was known as a bubbly person who cared about people. She also worked as a student employee at the university and was a member of Sigma Kappa Sorority.

Protect your credit score if you are going through a divorce

You worked hard to ensure that your credit score was where you wanted it. Now, you are facing the possibility of divorce. This means that you need to be extra careful about how you handle the divorce, property division and financial obligations now because there is a chance that the divorce and your ex will ruin your credit score.

One thing that you must remember when you are going through a divorce is that your creditors aren't bound by the terms of your divorce settlement. If your name is on an account, you can still be held responsible for the money owed even if your ex was told to pay the account during the divorce.

Being a single parent is a lot of work but it is manageable

Making the transition from a two-parent household to a one-parent household is a huge one for the children and the parents. It might seem like you don't have time to do anything and that you can't really focus on your children.

While it is true that being a single parent is more work, there are some ways that you can condense the schedule to help make things a little easier. Here are some tips to help you get started.

American holiday debt will hang around for a while

The holiday season is one that is associated with debt for many people. One of the issues with this is that many people have to think about is that they will have to repay that money at some point. The amount of debt that people went into for the holidays varied from as little as $1,000 while some charged more than $5,000 over the holiday.

When it comes to repayment, around half of people surveyed noted that they expect to have the debts paid off within three months. Around 29 percent said that they would need at least five months to pay the balance off.

Medical debt mistakes could lead to bankruptcy

Medical debt is one of the top reasons that people file for bankruptcy. It's hard to plan for an illness or an accident, medical care is incredibly expensive and many people find themselves facing insurmountable debt.

Part of the reason for that, though, could be medical debt mistakes that they make along the way. Three mistakes to avoid include:

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