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How to deal with debt collectors

You have rights when debt collectors contact you. Try this six-step approach when you respond.

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Debt Management Calculators»
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Debt Management Basics»
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15 dire debt dilemmas
Many with debt woes first opt for self-help, but these plights may be best aided by a financial fitness expert.
View more Basics »
BySteve Bucci
Debt Adviser»
debt
Pay off the mortgage?
Keep paying on your mortgage to snag the tax benefit and bump up savings with extra cash.
View more Bankrate Advisers »
Financial Literacy»
debt
Bounce back from adversity
Rather than wallow in misery, learn from mistakes and move on from bankruptcy, foreclosure, divorce.
View more Financial Literacy »
How do I?»
debt
Get a secured credit card?
Whether just starting out or in some credit trouble, a secured credit card can help build a credit history.
View more How do I's »
Debt Management News This Week»
Sell car, pay student loan
You should sell the car to pay off his student loan, but if there's a balance, make him pay it.
A short sale, then Ch. 7
You can do a short sale and file for bankruptcy, but the strategy is a minefield fraught with risks.
Pay charged-off debt
It might not help your credit score, but paid charge-offs look better to lenders and employers.
Making a personal loan
When you're asked for a personal loan, don't put your own credit in jeopardy to bail out a relative.
View more debt management news »
Trends & Analysis»
Compare Rates
Interest Rate Roundup
See rates from our survey of CDs, mortgages, home equity products, auto loans and credit cards.

Mortgages
Rates continue to drop
The 30-year fixed mortgage declined for the third week, setting another low in 2010.

Tracking Rates
Graph rate trends
COFI, LIBOR, prime rate
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Mortgage Rates
High Yield CD and MMA Rates
Other Rates
About this index
Overnight Averages
Product Rate +/- Last week
30 yr fixed
5.04%
5.00%
15 yr fixed
4.35%
4.35%
5/1 ARM
3.92%
3.94%
View rates in your area:
Product Rate +/- Last week
30K HELOC
5.20%
5.20%
30K Home Equity Loan
8.06%
8.07%
50K HELOC
4.89%
4.90%
View rates in your area:
Product Rate +/- Last week
48 Mo New Car
6.52%
6.58%
48 Mo Used Car
6.64%
6.71%
36 Mo Used Car
6.84%
6.86%
View rates in your area:
Product Yield +/- Last week
6 Mo CD
0.98%
0.99%
1 Yr CD
1.36%
1.47%
5 Yr CD
2.85%
2.85%
Compare rates:
Product Rate
Low Interest Cards 10.00%
Balance Transfer Cards 15.72%
All Variable 13.99%
Compare rates:  
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ByLeslie McFadden
Plastic Rap Blog»
credit cards
Capital One debuts two travel rewards cards with enhanced earnings rates.
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