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Last year nearly 1.5 million consumers turned to the bankruptcy court system to seek relief from their debts.

Much of that debt was consumer debt racked up on credit cards. Medical bills were the second largest cause of debt.Along with the rise of bankruptcy cases there is a veritable explosion of nonprofit credit counseling agencies seeking to "assist" consumers with their debt management. Unfortunately, the name does not always describe the company these days.Some state regulators and even the IRS are starting to investigate these counseling companies for fraud and other corporate no-no's.Example 1: Nonprofit company A is hooked up with for-profit company AA. When a client comes to company A, they pay a "voluntary" fee and then are set up with company AA which makes them a debt consolidation loan. Ergo, no counseling took place, lifestyles did not change, and the consumer will be back in credit card trouble again within a few short years.Example 2: Nonprofit company C sets up an easy-once-a-month repayment plan for apply credit cards low rates the client. The fee for this plan can range from a small "contribution" to equal to one months repayment amount. Then the company fails to pay the bills on time, or at all, and the client winds up with a worse credit history.What can you do to protect yourself from these for-profit nonprofits? Call the Better Business Bureau and see if the credit counseling agency has any complaints lodged against it. Also check out the website for National Association of State Charities Officials and find the state agency charged with oversight of charitable groups in your area. Are there any complaints on record? Don't rush and fail to read your contract and make sure you understand every word. If you don't understand what the contract says, don't sign it. Get all oral promises in writing, avoid outrageous claims and don't believe claims that creditors settle for less than the full amount owed. Many creditors are requiring more stringent scrutiny of debtors before even reducing interest. Watch the hustle about "voluntary fees". Either a fee is required, or not. Pay attention to the monthly service charges for the DMP - debt management program. If the non-profit company requires an upfront fee equal to one month's repayment, go somewhere else. After you do sign up for a DMP, check with your creditors on a regular basis to make sure the company is doing what they promised and paying your bills on time. Even if you are with a debt management program, when the creditor doesn't receive their money, the damage is done to your credit report.Hopefully, the IRS will soon weed out the bad companies from the legitimate counselors. The time estimate is from a year to more than five, and that's if the companies have not met the letter of the law and are blatantly breaking a law. Until the bad apples are shut down you have to do your homework and find a good counseling organization that will help you set up a budget to ensure that you can afford the repayment program.When looking for a debt counseling company, I recommend that you go online to, and type in Consumer Credit Counseling Service (CCCS) plus your state or city. This will help you narrow your search down to the members of the Consumer Credit Counseling Service in your locality. Also, you can look at which is the website for the National Federation of Consumer Counselors, many of whom operate under the label of Consumer Credit Counseling Service. This label is a term used only be accredited agencies who are true non-profit agencies legitimately operating for the good of the debt burdened public.One final word of warning, if it sounds too good to be true, it probably is. When you seek a consumer counselor to help you set up a debt management program, don't sign anything unless they actually counsel you and help you set up a budget you can live on and still make the monthly payments to apply credit cards low rates pay off your debts.2

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Before you give up on the idea that you will never be able to get a home equity loan because of your bad credit, first be sure you canít get one. It may save you a lot of work, and it opens up more possibilities for home purchases and help from real estate agents.

You might be surprised to find that there are ways you can get conventional financing, even though you never thought you would be able to. More and more lenders are looking at people with less-than-perfect credit. Usually the interest rates are higher than average, but you get into a house. You can refinance later, after showing how you reliable you are making your monthly payments.

Here are a few suggestions to get mortgage companies to look at you. If this method sounds likely for you, try talking to a reputable home loan consultant, and see what your chances are. This would be one of the easiest ways to get into a house.

Can You Fix Your Credit Report?

You might find that your credit is easier to fix than you supposed. Have you seen a copy of your credit report lately? You are entitled to a free copy of your credit report if you have been denied credit, employment, or insurance within the last 60 days. If you were denied because of credit, the company should give you notice and give you the contact information for the credit bureau.

No one can legally remove accurate negative information from a credit report (no matter what those ads say) but you can dispute mistakes or outdated items for free. Request an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Ask the credit-reporting agency for a dispute form or submit your dispute in writing, along with copies of any supporting documentation. You donít need a credit repair organization to do this. Everything a credit repair clinic cando for you legally, you can do for yourself at little or no cost.

Look into Special Loans for Bad Credit

Concentrate on those lenders who specialize in working with those who have had credit problems. Spending time (and money) applying to lenders who do not work with credit blemishes will accomplish nothing. If you have local sources that you know will consider such loans, take advantage of them.

Other sources, available online, such as Lending Tree, have a large network of lenders nationwide, including those who have experience in dealing with credit problems.

Have a Home Telephone

If you have a telephone in your home and in your name, it helps increase your chances of getting a loan. Lenders worry about people who donít have a home phone. I know that today a lot of people today use their cellular phones as their home phone, but a land-line still looks better. It shows stability and roots, at least to a bank.

Live in One Place for a While

Again, banks want to see that you have some stability. It helps if you have lived in one place for at least 6 months. If you have just moved, show that you lived somewhere before this for at least 6 months (and hopefully several years).

Have a Good-sized Down Payment

The larger the down payment, the better your chances will be to get a loan. (See ďThe 30/70 RuleĒ in the next chapter.) The more money down, the happier the bank is to work with you.

And if you can show that you have saved the money over a period of time, instead of borrowing it, it looks even better to some lenders. Not all lenders ask where you got the money, so if you did save it, be sure to point that out.

Show That You Have Good Character

Banks and lenders want to know that you are dependable and reliable. Show this when you talk to them by showing up to meetings on time, dressing nicely, and having your information organized. Have your bank account and credit card account numbers and financial information ready to show them.

It will help if you have someone you know write you a financial letter of reference, such as someone whom you borrowed money from and who you paid the money back to.

Be ready to show them any sources of credit you may have that may not be on your credit history, such as paying the cable or cellular bills regularly. Even information about a loan from a relative or friend that was paid back in installments and on time will help. Be ready to tell them how you will be able to pay this loan back.

Use Any Collateral You May Have For a Personal Loan

Maybe you have something of value that you can use for collateral for a personal loan. This might be a good way to come up with a down payment.

Some of the things banks will consider for collateral are:

Gold and precious metals
Other Real Estate, such as land

Have a Relative or Friend Co-sign the Loan

This is a time-honored way of getting a home. Often close relatives or friends will help someone they care about who is in need. Sometimes all it takes is to ask. You can also get someone else to buy the house for you and later be added to the mortgage and quit-claimed to the deed. Check your state laws on the subject.

Increase Your Income

Get a second job. This can just be for a while. The increase in salary may be enough to qualify you for a loan. Also it gives you extra income to save for a down payment or pay off debts and fix your credit.

Start a small home business to bring in extra income. Be careful there-- a small business can be costly to start and run, and may not bring in much income for a while. But it works for many people. Do your research before you start. Weigh the risks and advantages.

Ask For Help

Ask for help from your church, synagogue or other nonprofit organization. Some government programs and organizations will help you with financing or other housing options. Check out our website for links to many of the organizations that help people get into homes of their own.

From the book "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" by Alexis Dey. © 2005-6 Mohave Publishing. All rights reserved.

Garnishment law has been in force to improvise the mode of collection of payment for the money due towards the federal government or any other creditor. Garnishment law also states wage garnishment according to which the money is deducted directly from the personís salary after assessing the monthly expenses vis-ŗ-vis monthly income.

Garnishment law can be levied by any agency and is not limited to the IRS. Any private creditor, federal government department, or even an ex-spouse can claim garnishment of the money overdue. Garnishment law can also be enacted towards the child support expenses. But for all agencies apart from the government department a court order is required to enforce the garnishment law.

Garnishment is taken as a part of payroll process. If the person is unable to pay the amount due as credit then the correct order for collecting the money has been stipulated in the garnishment law. According the garnishment law, the garnishment due to towards the federal government is to be collected first. Thereafter the money due towards state tax or local tax garnishment and lastly garnishment for credit cards falls in order.

Garnishment law in some states like Pennsylvania, North Carolina, Texas, etc do not allow wage garnishment at all except those related to taxes, child support, court order fines, federally-guaranteed student loans, etc. some states allow all kinds of garnishments even those levied by the private creditors. In some states garnishment law states maximum 25% of the disposable earnings to be levied as amount due towards payment.

Garnishment law also states types of garnishment law called as attachment. According to attachment the garnishee needs to hand over all the money or property during the service of process of the court. This type of garnishment as stated in the garnishment law is required only against institutions like banks, or other companies that face liquidated obligations in the regular course of the business.

The money withheld from any individualís paycheck is handed over to the creditor or the agency towards which the amounts is due. Therefore it is suggested that while filing returns one must include the amount garnished from the wages. The garnishment law authorizes the pay of active, retired or reserve personnel to be garnished towards child or spouse support. As per the garnishment law, the garnishment says in effect until the total amount due towards the federal government of the agency is paid up or until the IRS department releases the garnishment.

According the wage garnishment law an individualís salary, wages, or other income can be levied. It prevents the employee to be fired from the job in hand. If the employer fires the employee because of garnishment proceedings, then it is violation of garnishment law. Also the employer can be fined for the same. The Wage and Hour division of the Department of Labor determines the violation of the law. The IRS does not do this job.

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