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Can a debt collectors contact me any time or any place?

No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

The 101 Questions You Should Ask to Get Out of Debt:

  1. What is the primary cause of personal debt?
  2. How do I determine if I have a serious debt problem?
  3. How do you start understanding your debt?
  4. What is a secured debt?
  5. What is unsecured debt?
  6. What is government debt?
  7. Is there such thing good debt?
  8. What happen if you fail to pay your secured debt?
  9. What happen if you fail to pay your unsecured debt?
  10. What happen if you fail to pay your government debt?
  11. Are there immediate steps that I can take now to stop taking on new debt?
  12. Is it really possible to live debt free?
  13. Living debt free is myth – not everyone can live debt free?
  14. Is there a strategic way to pay off existing debt in record time?
  15. My debts are getting out of control what can do to gain control?
  16. What is wrong with how I am repaying my debt?
  17. Do I have debt problem? How can I find out?
  18. What do people who get into debt have in common?
  19. Why do a lot of people fail to get out of debt?
  20. Why paying the minimum on my debt is not a good debt management practice?
  21. What are the biggest mistakes people make while paying their debt? How can I avoid them?
  22. What can i do to get out of debt?
  23. How does having a budget help me get out of debt?
  24. Will inflation help me get out of debt?
  25. How do you avoid questionable get out debt schemes?
  26. Is my standard of living prohibiting my ability to get out of debt?
  27. What can i do to motivate myself to get out of debt?
  28. What are the most common debt traps?
  29. What is the most important thing i must do to get out of debt?
  30. Why does not my bank help get out of debt?
  31. What solutions do i have to get out of debt and stay out of debt?
  32. Where should i go and who should i trust when i feel i need professional help to get out of debt?
  33. Is doing nothing a good way to get out of debt?
  34. What is debt consolidation?
  35. Do debt consolidation loan work?
  36. Should i consider debt consolidation loan?
  37. Why debt consolidation loans fail for the most part?
  38. What are the advantages of debt consolidation loan?
  39. What are the disadvantages of debt consolidation loan?
  40. What is a debt settlement?
  41. How does debt settlement process work?
  42. What are the advantages of debt settlement?
  43. What are the disadvantages of debt settlement?
  44. Can I settle my own debt?
  45. How debt settlements are paid?
  46. Will debt settlement ruin my credit score?
  47. What are the fees associated with a debt settlement program?
  48. What is bankruptcy?
  49. How does debt bankruptcy work?
  50. What are the advantages of Bankruptcy?
  51. What are the disadvantages of Bankruptcy?
  52. Is bankruptcy a good alternative way to get out of debt?
  53. Will bankruptcy ruin my credit score?
  54. Can my credit be repaired after I am discharged from bankruptcy?
  55. What are the costs associated with a bankruptcy?
  56. What is consumer proposal?
  57. How does a consumer proposal work?
  58. What are the advantages of a consumer proposal?
  59. What are the disadvantages of a consumer proposal?
  60. Is consumer proposal a good alternative way to get out of debt?
  61. What life is like while you are in a consumer proposal?
  62. Will consumer proposal ruin my credit score?
  63. Can my credit be repaired after I complete my consumer proposal?
  64. What are the costs associated with consumer proposal?
  65. What is debt a management company?
  66. What is a debt management plan?
  67. Who is eligible for a Debt Management Program?
  68. What are the advantages of debt management program?
  69. What are the disadvantages of debt management program?
  70. Will debt management program ruin your credit?
  71. Can my credit be repaired after I am done with debt management program?
  72. Is debt management a good alternative way to get out of debt?
  73. What life is like on a Debt Management Program?
  74. What are the costs associated with debt management plan?
  75. What is the difference between debt consolidation loan and debt management plan?
  76. What is the difference between debt management and debt settlement?
  77. What is the difference between bankruptcy and proposal?
  78. Why would a bankrupt person file for a proposal as opposed to bankruptcy?
  79. What is debt elimination?
  80. What is a debt elimination plan?
  81. What are the advantages of debt elimination plan?
  82. What are the disadvantages of debt elimination plan?
  83. What is the difference between debt elimination and debt consolidation?
  84. Someone used my credit, I have an outstanding debt. I think I am a victim of identity fraud?
  85. Who are debt collection agencies?
  86. How to deal with debt collectors?
  87. Can a debt collector contact me anytime or any place?
  88. How can I stop a debt collector from contacting me?
  89. Can a debt collector contact anyone else about my debt?
  90. What does the debt collector have to tell me about the debt?
  91. Can debt collectors keep contacting me if I don’t think I owe any money?
  92. What practices are off limits for debt collectors?
  93. Can a debt collector garnish my bank account or my wages?
  94. What should I do if debt collectors sue you?
  95. What practices are off limits for debt collectors?
  96. Can a debt collectors contact me any time or any place?
  97. How is it different from debt consolidation or debt management?

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Testimonials

November 14 2007 I just wanted to say thank you for all the help that you provided my husband and I for our refinancing when we were having problems getting information from our bank for the same. Your knowledge and understanding of finances helped us to make the right decisions regarding our financial situation and living is now bearable and we can see light at the end of the tunnel after only a few short months, which is certainly not what the bank was helping us to do. We appreciate all th…
S. and J. McKenzie
December 22, 2005 – We would recommend George Kaadi and his firm of experts with extremely high regard and confidence to our closest friends and family members. We only wish we had been introduced sooner, as we know George would have helped us to make better decisions about our future financial plans.
Bruce and Joanne H.
September 19 2007 – Based on the information he provided we were able to choose a strategy that was best suited to our situation and constraints. As such, he showed us how to use discipline and pay off our debts to then build and emergency fund and to invest our savings in vehicles I would not have come across talking to my banker. He taught me about tax savings and leveraging existing rules to increase my retirement fund using money the government would have simply kept to himself!
Andras Kovats
September 26 2007 – We came to you as first time buyers with some consumer debts after our bank gave the running around, seeking mortgage, we got home with far beyond that. Not only had you secured us an approval within 24 hours, you gave us the best rate at the time, and long lasting debt management help that has saved us considerable money and widened our smile; you helped changing our lives to the better.
Walid Bechara & Farah Dbouk
August 25 2006 – George provided excellent service as our Mortgage Broker, he was friendly, flexible and able to handle what was potentially a problematic situation. He always offered sound advice and had our best interests in mind at all time. I would highly recommend him.
Grant Pennell - Inside Sales Manager