This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my program, and they told me that they didn’t bother to read any of the testimonials on my site because “everybody fakes testimonials.” Well, that’s probably true…

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So far for 2007, it’s been very busy here at ZipDebt – hence the infrequent blog posts over the past few months. One of the reasons for the increasing number of people seeking help with credit card debt is the subprime mortgage problem that’s recently been in the news. After seeing countless people buy $700,000-$800,000…

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Continuing our multi-part discussion of “Crazy Stuff Collectors Say,” I’ll focus in this post on a technique that frequently comes up in collection calls. I call it the “fraud” tactic. The collector may something like the following: “Look, you knew when you used this credit card that you were not going to be able to…

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There has been a lot of media attention regarding the recent Congressional hearings on practices of the credit card industry. One of the subjects receiving coverage is the “universal default clause,” which consumer advocates have vocally complained about for years. This insidious provision is buried in most credit card agreements, and it permits a credit…

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