Author: Chuck Huckaby 作者：查赫卡比
Article source: http://www.kabish.com/ . 文章来源： http://www.kabish.com/ 。 Used with author's permission. 用作者的许可。 Here's a dirty secret, today's "non profit credit counselors" are often just front organizations paid lucrative commissions by creditors to keep consumers from declaring bankruptcy!这是一个肮脏的秘密，今天的“非营利性信贷辅导员”往往只是前线组织支付利润丰厚的佣金由债权人保持消费者宣布破产！ In the "debt collection biz", creditors will sell your outstanding debt along with the debt of hundreds of others to a collection agency for cash up front.在“讨债商业” ，债权人将出售您的未偿债务连同债务数以百计的其他收藏机构的现金前线。 The collection agencies will work this debt until they've made all the money they can.收集机构将这笔债务，直到他们所做的所有的钱他们可以。 Then they'll keep selling this block of business to whomever will buy it.然后，他们将继续出售此块业务将由谁购买。 This explains why you can stop being pestered by a bill collector for a while then a completely different bill collecting psychopath will start calling your house or sending you threatening letters out of the blue when you thought they were finished.这就解释了为什么你可以停止纠缠了一项法案收藏了一段时间然后一个完全不同的法案收集精神病患者将开始要求你的房子，或向您发送了恐吓信的蓝色当你以为他们已经完成。 The Fair Credit Reporting Laws have put some damper on their crude activities, as have the bankruptcy laws.公平信用报告法提出的一些抑制原油的活动，有破产法。 But yesterday's bill collectors have gotten wise.但昨天的法案收藏家得到明智的。 If people go bankrupt, the creditors get virtually nothing.如果人们倒闭，债权人获得几乎没有。 So why not figure out a way to get people to voluntarily pay much more than they would otherwise by going through bankruptcy?那么，为什么不能想出办法让人们自愿付出远远超过他们，否则会通过破产？ So today, yesterday's bill collectors often masquerade as "non profit credit counselors".所以，今天，昨天的法案收藏家往往伪装成“非营利性信贷辅导员” 。 Business must be good for these "non profits" because they're out on the internet paying $10 per lead for potential debt consolidation clients!企业必须善于对这些“无利润” ，因为他们已经完成在互联网上支付10美元导致潜在的债务巩固客户！ Their "come on" to the consumer is "Don't declare bankruptcy! It will RUIN your credit and cost you money! Use our FREE service instead."他们的“来”的消费者是“不要宣布破产！这将破产您的信用卡和成本你钱！使用我们的免费服务不是。 ” There's no such thing as a free lunch of course.有没有什么免费的午餐当然。 What unsuspecting consumers DON'T KNOW is that using these services may ruin their credit anyway.什么不知情的消费者不知道的是，使用这些服务可能会毁掉他们的信用反正。 And these "Free Services" are being paid handsome commissions on every dollar the collect from you!和这些“免费服务”是支付佣金漂亮的每1美元的收集你！ Then they report exactly what they've done to the credit reporting firms and potential creditors in the future MAY consider you a potentially WORSE candidate than a formerly bankrupt person because if they extend you credit and you fall on hard times again, you stil have the option of going through bankruptcy!然后，他们的报告正是他们完成的信用报告公司和潜在的债权人在未来可能会考虑你有可能更糟的候选人比以前破产的人，因为如果他们延长你和你的信贷下降的困难时期，你依然有选择经历破产！ Learn your rights.了解你的权利。 It's possible for ordinary people with a computer and printer to use the law to "lick bill collectors with a stamp!"这有可能为普通百姓有一台电脑和打印机使用的法律“法案舔收藏与邮票！ ” Without giving up your privacy, without having a credit counseling firm "rat" on you, it's possible to achieve the same results that others have used expensive attorneys to achieve - when you know your rights!不放弃您的隐私，而不必信用咨询公司“鼠”你，你就可能取得同样的结果，其他人使用昂贵的检察实现-当你知道你的权利！ Cleaning your credit report is something you can do.清洗您的信用报告是可以做。 Paying off debts for pennies on the dollar is something you can do.清偿债务便士对美元的是你可以做。 Educate yourself at sites about free credit repair techniques like http://www.CreditRepairDude.com ...在教育自己的网站上免费信用修复技术一样http://www.CreditRepairDude.com ... and beware today's Bill Collector Wolves in Non Profit Sheep's Clothing!和提防今天的条例草案中采集狼非营利披着羊皮的！ About The Author作者简介 Chuck Huckaby is a freelance writer in Lawrenceburg, TN USA and publishes http://1stHowToWorkAtHome.com and http://www.CreditRepairDude.com查赫卡比是一个自由撰稿人在Lawrenceburg ，美国田纳西美国和出版http://1stHowToWorkAtHome.com和http://www.CreditRepairDude.com
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