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Unless otherwise noted, all books were edited and art directed by Dan Nadel.Picture Box publications are available via bookstores and online booksellers. For Picture Box questions or to contact Dan Nadel, please visit his website or email: dannadel (at) icloud (dot) com.Your state Attorney General’s office can help you find out your rights under your state’s law.If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.The books are distributed to the trade by ARTBOOK D. Those interested in some background could do no better than Trinie Dalton’s lovely article at The Brooklyn Rail or Frank Santoro’s appraisal at The Washington Post.Or for a more scattered view visit various online and social media resources: Flickr, Tumblr, Twitter, and Instagram.A debt collector may not: Report any problems you have with a debt collection company to your State Attorney General's Office, the Federal Trade Commission (FTC), and the Consumer Financial Protection Bureau (CFPB).
From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.To find out if you qualify, contact your local Armed Forces Legal Assistance office.If you are unable to make payments on time, you could lose your home.
To decide if debt consolidation is right for you, contact a credit counseling service accredited with either of these organizations: If you have a problem with a lender concerning debt consolidation, you should first contact the lender.
But you should first consult a qualified credit counselor.