FREE CELL PHONE
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THERE IS A PROGRAM THAT PROVIDES A FREE CELL PHONE FOR A YEAR (and can renew when the year is up) WITH 60 MINUTES OF AIRTIME PER MONTH THAT ROLLS OVER. WITH NO COST AT ALL. EVEN FREE SHIPPING! AND THE PROCESS TO RECEIVE IS VERY EASY!!

TO QUAILIFY THE CLIENT NEEDS TO BE ON A GOVERMENTAL PROGRAM SUCH AS SSI, FOODSTAMPS, MEDICAID OR MEDICARE,ANY ASSITANCE FROM THE GOVERNMENT WILL WORK, I PASSED THIS INFO TO A CLIENT OF MINE AND SHE CALLED ME TO SAY THAT SHE RECEIVED HER CELL PHONE TODAY AND IT REALLY DOES WORK.

THE NUMBER TO CALL AND ORDER IS 1-800-977-3768

OR THEY CAN ORDER ONLINE AT www.safelinkwireless.com



Did Your Ex Us Your Credit Card?
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What to do if Ex runs up debt on your cards


By JENNIFER LANE

Going through a divorce can be stressful enough, and if you don’t end things amicably, sometimes people can do hateful things. Your ex has access to all your personal information, your social security number, date of birth, address, and maybe even your bank account information. This could give your ex the information he or she needs to make your financial life a nightmare or it could be someone who doesn’t even know you who digs through your trash.

Whoever it is, identity theft is one of the most stressful financial burdens a person can go through. While most former spouses would not do this, there are unfortunate cases where it has happened. It could actually start to happen right under your nose while you are still married and go unnoticed until the divorce is final. Divorce can make some people do crazy and shameful things.


When I worked in collections, some of the people I called would actually claim that there ex was responsible for the past due bill. Some collectors would say that was a likely story to getting out of paying a bill, but I took their claims seriously. The reason is because it happened to me. In 2003, my ex had used my credit card while we were living together. I filed a police report and the officers told me, “How do we know you don’t owe him money?”

They told me there was nothing they could do because we lived under the same roof. I was totally shocked that people could get away with this. (Thankfully we weren’t married.) Now if you were legally married it is probably even harder to prove that the debt isn’t legitimate. Or perhaps an unknown identity thief has been robbing you of your good credit. Either way, you shouldn’t have to pay a debt if it is not legally yours.

So what can you do? The first thing you should do is to view all three of your credit reports to determine what accounts are fraudulent. Your next step is going to be to place a fraud alert on your credit report. This can be done on the three credit reporting agency’s Web sites located at www.experian.com , www.equifax.com and www.transunion.com.

Your next step is to close all accounts that have fraudulent activity on them. To be on the safe side, I would advise you to send letters disputing the accounts to each individual credit reporting agency. You will also want to file a police report and provide a copy of the case number. Now you can also fill out the forms online, but if your police department has given you a written report, sending a copy of the report is a good idea. You should also make sure to send the letter certified mail. You can also file a formal complaint with the federal trade commission. Please visit: www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html.

Identity theft is a very stressful situation for anyone to go through. You will have to spend many hours preparing the documents to clear your credit. If you follow these steps, your credit is sure to be cleared up as quickly as possible. It took about six months for the effects of the identity theft to disappear from my credit.

Please know some creditors will be more cooperative than others. Below I have listed the addresses and phone numbers of all three major credit bureaus:

Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013
TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790


TO READ MORE

Click here to read a story about divorce, identity theft and what to do if it happens to you.

Click here to read a story about what to do after divorce to safeguard your credit.


Jennifer Lane is a certified credit counselor and is taking questions I can answer in upcoming articles. Please feel free to e-mail your questions to me at jlane@debthelper.com.

 
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Now serving Indiana
debthelper_com

Credit Card Management Services, Inc. d.b.a. Debthelper.com Becomes Licensed in Indiana to Provide Debt Management Services

Debthelper.com (http://www.debthelper.com) is an IRS Approved 501c3 Non-Profit Florida Corporation dedicated to our mission of providing consumers throughout the United States, compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving support.

(PRWEB) April 24, 2009 -- During this economic crisis, with more people struggling to pay off their debt, Credit Card Management Services, Inc. Dba Debthelper.com is now able to service thousands more.

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As of today, Debthelper.com has become licensed in the State of Indiana under the Indiana Debt Management Companies Act (IC 28-1-29) as a Debt Management Company.

For consumers that are currently past due on their accounts, the debt management plan will provide the immediate benefits of lower payments, late and over limit fee suspension and account re-ages.

Since being formed in 1996, Debthelper.com has helped guide tens of thousands of people throughout the country out of financial difficulty. With this official recognition, Debthelper.com is now eligible to provide the following for Indiana Residents:

 

  • Debt Management Programs
  • Budgeting and Spending Plans
  • Credit Report Education
  • Pre-Filing Credit Counseling for Bankruptcy*
  • Pre-Discharge Debtor Education*

Debthelper.com counselors are certified by either the Center of Financial Certification (CFC) by the National Association of Certified Credit Counselors (NACCC) and/or are Exam-Qualified in the HUD-HECM Network. To locate Debthelper.com Reverse Mortgage Counselors in the HUD-HECM National Network go to www.hecmresources.org.

 

Credit Card Management Services, Inc. Dba Debthelper.com is accredited with the Better Business Bureau (BBB) and adheres to the organization's high standards of ethical business behavior.

As a member of the Association of Independent Credit Counseling Agencies (AICCCA), Debthelper.com adheres to AICCCA's strict code of practice. Debthelper.com is ISO:9001 compliant as audited by Bureau Veritas of North America (BVI).

Credit Card Management Services, Inc. Dba Debthelper.com is approved by the (EOUST) United States Department of Trustees to issue certificates of completion of credit counseling or a personal financial management instructional course in compliance with the bankruptcy code. Approval does not guarantee or endorse the quality of a provider's services.

Credit Card Management Services, Inc. Dba Debthelper.com is approved by the Department of Housing and Urban Development (HUD) to provide comprehensive housing counseling services.

For additional information on freeing yourself from debt, contact Debthelper.com Licensing and Compliance Department or visit http://www.debthelper.com. Debthelper.com complies with all state licensing requirements to ensure state mandated regulations are adhered to.

Contact:
Licensing and Compliance
Credit Card Management Services, Inc. Dba Debthelper.com
community (at) debthelper (dot) com
800-920-2262 x 8135


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