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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.


Mailbag: Logic for New Castle County tax increases doesn't hold up

Asking for a 15 percent tax increase might seem logical to him ... service providers who support people with intellectual and developmental disabilities in Delaware. As a longtime board member of Easterseals Delaware & Maryland's Eastern Shore, I ...

Published:  Mon, 21 May 2018 08:53:00 GMT

Seattle businesses strike back against head tax with campaign for referendum

Cities including Lynnwood, Kirkland, Redmond and Vancouver charge per-employee fees - de facto head taxes - as part of their city business licenses. Lynnwood charges $93 a year for each employee working 15 hours or more a week. Kirkland charges $105 ...

Published:  Fri, 18 May 2018 18:59:00 GMT

California lags other high-tax states on state and local deduction workaround

The California Senate passed a state and local taxes workaround bill by state Senate President Pro Tem Kevin de Len in January, but it hasn't gotten anywhere in the Assembly. New York, New Jersey and Connecticut have already passed bills intending to ...

Published:  Sat, 19 May 2018 06:00:00 GMT

The Google Tax - Analysis

Tax competition is still very strong and active ... In 1992 he was appointed Officier de la Legion d'Honneur de la Republique Francaise, with this motivation: "A man who can see across borders to understand the world" and in 2002 he received ...

Published:  Thu, 17 May 2018 21:01:00 GMT

Is There More to the De Sousa Exit Than Taxes

On the surface, the resignation of Baltimore police commissioner Darryl De Sousa seems like just another chapter in the sullied history of the Baltimore Police Department (BPD); the city's top cop tarnished by charges that he failed to file tax returns ...

Published:  Wed, 16 May 2018 23:33:00 GMT

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