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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.


Opinion: Delaware Tech faces infrastructure crisis, needs help from property tax hike

During these times of tumultuous policy debates and discussions, people often resort to abandoning facts and distorting truths to incite fear. They then use that fear to garner support for their argum...

Published:  Fri, 15 Feb 2019 05:05:00 GMT

New tax law brings unpleasant surprise to filers

Unlike tax deductions, which reduce the amount of taxable income ... When held by the IRS, the government is essentially acting as a de facto savings account without interest. But as Russo points out, ...

Published:  Sat, 16 Feb 2019 23:14:00 GMT

Quinn eyes tax on violent video games to fund school security

"I'm trying to offset property taxes as a big part of this," the legislator explained ... "It's not a predictive indicator." The Delaware County representative said he's facing fierce opposition on hi...

Published:  Sat, 16 Feb 2019 21:13:00 GMT

Google is reportedly hiding behind shell companies to scoop up tax breaks and land

The Post's investigation starts with a doozy: Google reportedly hid behind the name "Sharka LLC" to win $10 million in tax breaks for a new data center ... and spoken to them directly," reads de Blasi...

Published:  Sat, 16 Feb 2019 14:30:00 GMT

Bill Whitaker: Property-tax fight exposes state's own hypocrisy

During the Senate Property Tax Committee hearing on Senate Bill 2 ... refrain of some elected officials that the 2.5 percent revenue cap would serve as a de facto salary cap for police and firefighter...

Published:  Sat, 16 Feb 2019 20:30:00 GMT

Bill de Blasio: The Path Amazon Rejected

It would have created: at least 25,000 new jobs, including for unionized construction and service workers; partnerships with public colleges; and $27 billion in new tax revenue to fuel priorities from ...

Published:  Sat, 16 Feb 2019 23:08:00 GMT

Eugene City Council considers implementing construction excise tax

the president of St. Vincent de Paul. "The availability of housing is low." So, proposed at the City Council is council Bill 52-02, to set up a construction excise tax. "We're still against ...

Published:  Sat, 16 Feb 2019 15:27:00 GMT

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