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Often junk debt buyers have little information about the debts they own.They purchase a portfolio of debts often with little more than basic information about you and the alleged debt.The law covers: Communication with debt collectors Harassing or abusive practices Truthfulness in communication Unfair practices Debt validation Your state may offer additional consumer protections, so you may want to contact a local consumer legal office for advice.Here are five ways the Fair Debt Collection Practices Act protects you: You can limit when and how debt collectors contact you.

If the debt is not yours, saying that it is can lock you into a battle that makes it nearly impossible to expunge the debt from your credit report.

It's important to know the whole story before calling it quits.

The heartbreaking realities of divorce include the high split rate for people with mental illnesses.

Elsewhere, researchers have shown a strong link between personality disorders and elevated divorce rates, with antisocial personality disorder and histrionic personality disorder having the highest rates.

The authors accepted that there was insufficient research on narcissistic personality disorder to quantify its effect on divorce, although anecdotal evidence strongly suggests a link.

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We can still have that active social life and be a great mom at the same time. A few things to keep in mind when dating as a single mom Below are some of the lessons I learned when I finally decided that dating can actually be squeezed into the schedule of being a single mother. Giving yourself something does not mean you are a bad mom but quite the opposite.

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Over the last 20-plus years, our clients have been so happy with our dating and marriage advice that they often ask us about other (difficult or elusive) people in their lives and we tell them exactly what to do!