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Most non-profits are registered as 501(c)3 organizations and are registered with the IRS.This means they can actually accept tax deductible donations. Learn about common debt problems, including filing for bankruptcy. Credit Counseling Services; Bankruptcy; Debt Collection; Debt Consolidation ...

As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.

If you believe you do not owe the money, contact the creditor in writing and send a copy to the collection agency informing them with a letter not to contact you.

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).

Consolidation means that your various debts, such as credit card bills or loan payments, are rolled into one monthly payment.

If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.




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