So you are in debt-who isn’t these days? We live in a society that encourages people to go into debt. Credit card commercials tell us that a trip to Jamaica is just what we need, regardless of whether we can afford it. (That’s what your gold card is for, right?)

Loan brokers want us to borrow up to 125 percent against our home equity. Even the federal government just had its first balanced budget in a …

A growing number of consumers are realising that you can challenge legally unenforceable debts.A company called Credit Issues has done just that with £1.5 million of consumer debt this year alone.  They’ve proved successfully that a contract which breaches the terms and requirements of Consumer Credit Act 1974 is not enforceable by the lender or the Court.   People who may have been capable of supporting the credit card

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A debt management firm called Credit Issues has had some success in challenging credit card and personal loan balances by requesting “true copies” of the original agreement has proved a powerful and effective approach.Several rulings by various District Judges have vindicated that strategy and in most cases so far, those “true copies” have not been made available.So with no documentation forthcoming, a positive outcome for Credit Issues’ clients challenging the entire balance (whether they are being pursued by the original lending institution or the debt has been sold to a debt collection agency) is highly likely.To date, they’ve successfully challenged

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