Loan Has Been Refinanced - Who Is Original Creditor Now

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• What If The Original Creditor Still Has The Debt or Shows On The Credit Report

  If the debt has been "discharged" or shows something similar on one's credit report, the debt note has been sold to a third-party debt collector already. While the debt collector may not have reached out to collect the debt yet, one may still send a ...

• Do Secured Party Creditor (SPC) Methods Work

  A UCC Financing Statement (UCC-1) is a very mighty financial instrument indeed, but only when used for the right situation. Filing a lien on a trust one did not create and did not act as trustee for is inherently fraudulent – that is demanding a debt ...

• Original Creditor Claims Contract Requires Arbitration - How To Avoid This

  If the original creditor has an arbitration clause, it typically must be honored by the debtor (see citation). Only in the case of debts that are in collections would a debt collector be unable to claim an arbitration clause that was made with the ...

• Who is a Third Party Designee

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• What If Someone Just Refinanced or Have a Low Interest Rate Already

  Beware of low rates and low payment gimmicks - and truly they are bank-scams that cost more over time! The banks focus everyone's attention on the interest rate and payment amounts. They never talk about 'another way of doing it' other than their ...