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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.


Colorado House Speaker unveils plan to keep excess tax revenues for transportation, education

Bill Owens that allowed the state to keep excess revenue for similar investments over five years - is likely to be an easier sell than another tax-hike measure. The term "de-Brucing" that is common in ...

Published:  Thu, 17 Jan 2019 11:56:00 GMT

Your personal business better be real if you are using it to claim expenses for tax purposes

For some, it may also be a way to justify writing off some otherwise "personal" expenses, such as expenses for the business use of a work space in your home, for tax purposes. But be ...

Published:  Fri, 18 Jan 2019 07:10:00 GMT

The Effects of 2019 Tax-Policy Decisions Will Linger for Decades. It's Time to Weigh In.

Last year Delaware actually increased tax rates to bring in more revenue, and Oklahoma's revenue law capped itemized deductions but excluded charitable donations from being under the cap. This last vi...

Published:  Mon, 14 Jan 2019 06:49:00 GMT

Trusts being used to avoid paying billions in tax, report warns ATO

The report said "income tax shuffles" were used to understate earnings by exploiting ... and even the name of the captain of the ship it was caught on. Teenage star Alex de Minaur is getting ready to ...

Published:  Thu, 17 Jan 2019 14:59:00 GMT

Disbursement of Mingo hotel tax funds in question

Representatives of the county's four Convention and Visitors Bureaus packed Tuesday's Mingo County Commission meeting to discuss disbursement of hotel/motel tax money. In recent years several entrepre...

Published:  Thu, 17 Jan 2019 21:07:00 GMT

North Dakota leaders unveil oil tax-sharing deal with tribe

The bill sponsored by GOP Sen. Jordan Kannianen and the party's Senate and House majority leaders reworks a tax-sharing agreement that favors the Three Affiliated Tribes on new wells drilled on ...

Published:  Thu, 17 Jan 2019 15:55:00 GMT

Disputes Over State Taxes on Railroad Fuel Simmer Before Supreme Court

Alabama's lawyers describe the case as the "de facto bellwether" for other related disputes ... have stayed over 30 actions in the two states for tax refunds and injunctions while awaiting resolution ...

Published:  Mon, 14 Jan 2019 16:35:00 GMT

Lack of property tax reassessments unfair

Related: Reassessment would bring fairness back to Delaware's property taxes If our legislative branch cared, they would have taken action to ensure reassessment was completed. If the county executive ...

Published:  Tue, 08 Jan 2019 06:46:00 GMT

De Blasio says he will push Albany for a vacancy tax on empty storefronts

Mayor de Blasio said he intends to lobby Albany to pass a vacancy tax on empty storefronts. "It feels to me as a New Yorker like it used to be there were some storefronts vacant and for a limited peri...

Published:  Wed, 09 Jan 2019 01:25:00 GMT

Northeast Texas lawmakers optimistic as 86th Legislature opens with focus on school funding, tax reform

Northeast Texas lawmakers were optimistic Thursday, a little more than a week after the 86th Legislature had opened, noting a two-pronged focus on elevated education spending and property tax reform s...

Published:  Thu, 17 Jan 2019 19:42:00 GMT

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