Results are far-reaching. It stays on your credit file for 10 years. However, it is a legal procedure that offers a fresh start for people who can't satisfy their debts. Before you do business with any credit counselor, check it out with the Better Business Bureau. Avoid credit repair clinics.
Companies coast to coast appeal to consumers promising to clean up credit reports for a fee.
The content following each tag should be no longer than 200 characters. Make sure the last tag includes a tag. A debt collector may not call you before 8 a.m., after 9 p.m., or at work if the collector knows that your employer doesn't approve of the calls. Collectors may not harass you, make false statements, or use unfair practices when they try to collect a debt. Debt collectors must honor a written request from you to cease further contact.