Ciele Edwards is a credit specialist and finance expert who has spent most of the past decade working in the credit industry and learning its secrets. She teaches her clients how to repair their credit and manage their debts more efficiently.
For the past two years Edwards has taken freelance writing jobs focusing on the business and finance industry. She currently holds a B.A. in English and will consider certain private requests.
Number of Articles Written: 151
Number of Usage Licenses Sold: 20
Number of Unique Licenses Sold: 0
Number of Full Rights Licenses Sold: 91
Paying a collection agency may have unfortunate consequences. In some cases, submitting a payment may even give a collection agency the legal right to sue you when it did not possess that right before. This 1348 word article discusses the various drawbacks to making a payment on a collection account. Should consumers opt to pay an old debt, they are also instructed how to do it safely.
Words: 1348 Downloads: 0 Category: Personal Finance By: Ciele EdwardsGarnishment is one method creditors use to force debtors to pay their debts. Fortunately, there are many forms of income that are immune from garnishment. This 682 word article discusses in detail six forms of income that cannot be garnished by private creditors. It also informs consumers how to prevent the garnishment of exempt funds from a bank account that has been seized.
Words: 682 Downloads: 2 Category: Finance By: Ciele EdwardsYou have the right to an accurate credit report. Unfortunately, there is no guarantee that obsolete entries within your credit file will be removed by the credit bureaus in a timely manner. This 625 word article details the reasons why consumers should keep a careful eye on their old debts and how to have them promptly removed if they are not eliminated automatically.
Words: 625 Downloads: 3 Category: Finance By: Ciele EdwardsA common misconception among debtors is that once they have filed for bankruptcy protection once, they will be unable to do so again in the future. Consumers can, in fact, file for bankruptcy multiple times. This 496 word article details the federal waiting period between filings for each time of personal bankruptcy and for dismissed bankruptcies.
Words: 496 Downloads: 1 Category: Finance By: Ciele EdwardsFor consumers who owe a debt, very little is as stressful as constant telephone calls from debt collectors demanding immediate payment. This 734 word article outlines how to permanently put a stop to debt collection calls and get some much needed peace and quiet.
Words: 734 Downloads: 1 Category: Finance By: Ciele EdwardsA split credit file can cause you to be turned down for credit or loans that you deserve. This 805 word article explores what a split credit file is, what causes it, and what consumers can do to remedy the problem.
Words: 805 Downloads: 1 Category: Finance By: Ciele Edwards