Credit card balances are a dwindling part of debt collection work, but they remained a top source of consumer complaints in 2014
Go slow, because issuers don't want to give credit right away to someone who filed for Chapter 7 bankruptcy. Secured cards are one credit-rebuilding alternative
Callers with details about you and your debts can be convincing, so it pays to know how to tell a legitimate collector from a phantom-debt scam
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