If you ever entered a courtroom, you know that the stress

elevates, even if you are in the room for someone else. Courts

are an automatic source for lifting stress. Moreover, to avoid

the courts means we have to abide by laws and pay our debts. If

you have taking out a home mortgage, car loan, personal loan, or

any other type of credit loan in some instances when the loans

requirements are not meet you can be subpoenaed to court.

There are several courts that handle cases that involved

negligence, starting with small claims court and finally

judgment courts. Any courtroom is stressful, and many of the

courts will look at both cases objectionable. However, the

party involved in negligence is often deemed untrustworthy.

If you want to avoid more stress than what you will endure on

bad credit reports, it is important to make wise decisions

before spending money you do not have.

To avoid court judgments, liens or lawsuits it is important to

meet payments on your monthly installments. If you find an area

of your life when you see that it will be difficult to meet

demands, you might want to look into some solutions available

that can get you out of harms way.

If you are paying mortgage you might want to opt out by selling

your home or else searching the marketplace for loans to help

you refinance and get lower rates. When you owe money, your

debts are sent to collection agencies.

Once you have a list of bad debts it leaves you open to court.

Creditors are people you owe and if they send your debts to

collection agencies, you might be waddling in quicksand since

someone else has control of your life. If you are delinquent on

payments creditors, can garnish wages from your paychecks, take

hold of all your tax refunds, and send you to court.

The only advantages you have when you have debts are the

creditors cannot charge outrageous late fees or interest rates.

The creditors cannot take a post-dated check from you and cash

it until they notify you first. Creditors cannot cash a

postdated check ahead of its date. Creditors cannot ask for

postdated checks by frightening you with criminal suits.

Creditors are not permitted to send post cards in an effort to

ask for payment, nor can creditors label, or place symbols

outside of an envelope to press for payments.

There are many areas of legalities and illegal acts to look for

if you are in debt and threatened with lawsuits, liens,

repossessions, foreclosures, and judgments. Some of the most

important areas of illegal acts made by collection agencies

include false unlawful authorization forms, or sending out a

representative of the collection agency posing as an officer of

the law.

Some creditors even harshly threaten debtors by using profanity

or harassing family members by imitating government

representatives.

Creditors have even tried cashing postdated checks and

attempting to charge late fees for insufficient funds.

It is important that you learn your rights when your credit is

in jeopardy. If you are taking to court and know your rights,

you might see a way out of a bad situation. If your know your

rights you might even find a way to avoid court by taking

another route to stall payments.

Some collection agencies have even threaten debtors by phoning

their home at late hours of the night, calling friends, family

and neighbors, and so on. If you suspect you are heading down

bad credit path, then it is important to document all

communications between collection agencies, lenders, and other

sources so that you are prepared when or if you hit the

courtroom. If you see that you cannot avoid court then you want

to take all the necessary steps to cover your self when you

arrive on the door that is taking your control out of your

hands. It is important to know that you can trust only you in

most cases.

When your faith is in someone else’s control the worst possible

situation can happen. In most cases, however, there is always a

solution to the problem and you have the right to stand up and

take back some of your control.