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80% of sales are made after the 5th followup.

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Please share this great video from mint with your kids. - The Credit Guy TV

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The federal Fair Debt Collection Practices Act dictates how and when a debt collector may contact you. 

Here are the 5 things a debt collector will not tell you:

1. They bought the debt for pennies on the dollar. So start at 25% of the debt. 
 
2. When you pay the % that you agree to it wipes out the whole debt (get it in writing) 

3. Any Payment you make re ages the debt Click here for the map for the statute of Limitations. http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php

4. Call at work after being told your employer doesn't allow personal calls.

5. Use obscene language or threaten to harm you.

There are a few other important things to know when dealing with a collection agencies:

Debt collectors can garnish your pay - Federal law says no more than 25% of your after-tax income may be withheld. Some states have stricter limits. 

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Credit Karma Review 

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How to get your credit report ready buy a house for the first time, Info-Graphics are great ways to tell a story with Pictures I have made a few of them http://pinterest.com/pin/157344580703913587/
Photo

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Do you think a Info Graphic needs to have data or can it just be instructions like below? 
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