Monday, January 19, 2009 

All Debt is Bad Debt - Dealing With Harassing Collection Agencies

If you have an uncollected judgment against you from a previous foreclosure, Monoamine-Oxidase Inhibitors card, car loan, personal loan, or similar situation, then whichever Sexual Vitality agency owns the debt can try to collect. Determining that they own the debt and have the right to collect it from you is quite a bit more difficult than it would appear. But of course, this problem does little to prevent collection agencies from calling all day.

The best you can try and do is tell them not to call you anymore. They will have to abide by your demand not to be called, as that is a federal law. The Fair Debt Collection Practices Act states that any communication with a debtor made after the collection agency has been told not to send further communication will be a violation of the Act.

You can also try and have the judgment vacated (or reversed, voided) through the original court. If you were never served with the lawsuit paperwork, then you may have a defense. If the plaintiff violated laws to get the judgment against you, you may have another defense. If the collection agency keeps contacting you after you tell them not to, you may have even another defense.

Of course, depending on the court, the judge, and the collection agency's attorneys, this may go nowhere and you will just be shot down and the motion to vacate denied. But it costs almost nothing to file the motion and you might get lucky and have the judgment voided immediately. Tactics such as these will also show the collection agency that you are serious about defending the debt and it may cost them more to pursue you than they can ever hope to collect.

If you have a judgment against you or just a lot of debts in collections, you should start by researching your options to settle debt, validate debt, and have the judgment vacated. Applicable federal laws are the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Look them up, read some plain-English explanations for them, and see what your options are. These laws may also be used as defenses in an effort to stop foreclosure, depending on the circumstances of the case.

But to begin with you can tell the collection agency right away that you do not want to receive calls from them all day anymore. The company will have to stop calling you, or run the risk of being sued themselves. And they would not want you filing complaints with the state attorney general and the Federal Trade Commission (FTC) for harassment, would they?

Contrary to popular opinion, you do not have to take a foreclosure, credit card judgment, medical bills, other collection attempts, harassing phone calls, and an illegitimate debt lying down. Defend them, make the creditor prove that it owns that debt and is owed that debt, and make it as huge a problem for them to deal with you as you are having dealing with them. When collection agencies know that it will cost them more to go after you than they can hope to receive, they may be willing to settle with you or give up.

To find out more about the foreclosure process, visit the ForeclosureFish website, which provides services to borrowers trying to save their homes. Foreclosure loan, deed in lieu, foreclosurefish.net/mortgagemodification/mortgage modification, and bankruptcy assistance can be found, as well as information on stopping a foreclosure before the sheriff sale. You can read more about how to save your home while there is still time and find the site on the web at the following: foreclosurefish.net/foreclosurefish.net/

 

Buying a Bikini Swimsuit Ideal For Your Body

Of all the swimwear products a woman could have, "Bikini Swimsuit" is one of the scariest words in many women's vocabulary, and not because they are hard to get or difficult to use but because the right type of swimsuit is needed to fit each particular body. However if you know what to look for, then almost any body type can look good in a bikini swimsuit. Each woman should learn how to cover the flaws and flaunt your body.

There are various ways to ensure that you use the appropriate bikini swimsuit that would fit your body and make you look as good in it as you should depending on the characteristics of your body shape and size of your breasts and bottoms. By checking your body features with the descriptions and recommendations below you should be able to determine what works out best for you.

Having Small Breasts

In high school, having student consolidation loan information breasts may have brought you jeers and perhaps reduced your self confidence, but today designers readily glorify the small breast particularly on the runway. A great majority of their bikini models that take to the ramp in fashion shows have small breast and show them off proudly.
The way to Wyoming Lemon Laws small breasts would be to buy bikini swimsuits that are designed with sequins, ruffles and other different decorations that tend to add an additional layer of fabric on the swimsuit. This gives a nice little illusion that your breasts are fuller. The use of triangular string bikinis also add to this illusion and enhances the look with more fullness of the breasts, the smaller the triangular fabric the larger the breast will look.

Having Large Breasts

While women with large breast are not often heard complaining, there are some that do simply because of some special problems that may arise with having a well endowed front, especially when shopping for a bikini swimsuit. One of the main problems that women with large breasts have is the support and the comfort that the bikini tops provides to them.
The best way to get around this problem is to wear bikini tops with underwire which will provide some support in addition to have a little more full coverage of the breasts to give a better comfort level.

Should you want to draw attention away from your breasts, then the best way is to ensure that your bottoms are eye-catching in some way such as having more details on the bikini bottoms than on the tops. Coordinating the use of a scarf around the hip of your bikini bottoms gives you a way to look more stylish and draw additional attention.
Whether you are endowed with a small or a large butt, there are a few simple ways to enhance your look in a bikini by choosing the bikini bottom that will make you stand out even more.

Having a Small Butt

In general, small butts don't appear as a problem for most people but to those that are concerned then the easiest way to calm your fears with the choice of a continentalgirl" target="_blankbikini swimsuit you should know the following information:

  • Thongs and triangular bikini bottoms tend make your butt flatter than brief type bikini bottoms
  • Additional decorations to the bikini bottoms enhances its shape
  • The use of ruffles will help fill out a rump that is lacking in flesh.
Having Large Bottoms

For those that have more bottom than they would wish to have, what is important is to draw attention away from your butt and more to your top. By mixing and matching the color combinations of your bikini swimsuits to give a light to dark contrast between your bottoms and your tops, this gives you the ability to draw more attention to your tops by making your tops a lot more brighter and eye-catching and making the bottoms a little darker. The brighter the top is the more likely this will draw the greater attention than your bikini bottoms.

Conclusion

Whatever your body type is, by simply mixing and matching different combinations of your bikini tops and bottoms with various styles, you will be able to enhance your look to be the one that is best suited to you and make you look so much more sexy in a bikini swimsuit. Whether you have a small butt, large bottoms small or large breasts, you just simply buy the sizes that gives more emphasis on your figure and shape.

The bottom line is to wear what you are most comfortable in and be as hot as you can.

Luvi Marie Corucuera is a full time Mom and works part time as the Editor of Informational sites such as:

exoticexercises" >Exotic Exercises and continentalgirl" >Beauty Tips

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