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Debt Consolidation in Delaware

Delaware MapFor 35 percent of Americans, their debt is past due to the point that it has been placed into collections. Anyone who has ever had the unpleasant experience of being hounded by debt collectors knows that being in debt is one of the most stressful experiences consumers can face. In Delaware, 37.8 percent of consumers currently have outstanding debt in the collections process, with 71 percent of those in debt due to failure to pay their mortgages on time.

Consumers who are being harassed by debt collection agencies should record the calls and file a complaint with the Federal Trade Commission. Because Delaware is a one-party consent state, it is legal for consumers to record calls with debt collectors without their knowledge or consent.

Working with a consumer credit counseling agency can help consumers to get themselves out of debt without resorting to bankruptcy, which can damage their credit rating. Consumer credit counseling agencies are able to negotiate lower payments for consumers, and even assist them in applying for debt consolidation.

Consumers who are unable to qualify for debt consolidation programs and truly have no other option can consider filing for bankruptcy. Chapter 13 bankruptcy allows consumers to keep some of their possessions, including property that may be mortgaged, while they pay off their debt. Chapter 7 erases all debt without the consumer having to pay what is owed. The tradeoff is that property can be seized as part of the process.


Wilmington councilman who owes city taxes is up for promotion, won't take raise

Wilmington councilman who owes city taxes is up for promotion, won't take raise City councilman Trippi Congo owes Wilmington about $10,000 in unpaid property taxes. He's up for a council promotion and ...

Published:  Tue, 13 Nov 2018 09:42:00 GMT

Delaware County's tax reassessment process continues

MEDIA - Data mailers will be sent out this week to the owners of residential properties in Clifton Heights, Collingdale, Colwyn, Darby Borough, Darby Township, East Lansdowne, Folcroft, Millbourne, Sh...

Published:  Fri, 09 Nov 2018 06:51:00 GMT

Cayuga County committee passes preliminary 2019 budget with 2.4 percent tax levy increase

AUBURN - A Cayuga County Legislature committee Tuesday passed a preliminary budget for 2019, reducing the total tax levy by approximately $200,000 from the tentative budget proposed by the ...

Published:  Tue, 13 Nov 2018 16:04:00 GMT

Syracuse profits by handwriting thousands of late-tax notes

ALBANY, N.Y. (AP) - A city in New York state has found a novel way of motivating residents to pay their back taxes: personal notes handwritten by city officials. The idea stemmed from an ...

Published:  Tue, 13 Nov 2018 13:44:00 GMT

California Votes To Keep Gas Tax Hike To Fund Road Repairs

California voters struck down Prop 6 on Tuesday, blocking a Republican effort to repeal a gas tax hike that's funding much-needed transportation improvement projects in the state. The election results ...

Published:  Tue, 06 Nov 2018 22:12:00 GMT

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