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4 Simple Ways To Save Money On Your Truckers Insurance Premiums

Posted by on Mar 22, 2016 in Uncategorized | Comments Off on 4 Simple Ways To Save Money On Your Truckers Insurance Premiums

According to the American Trucking Association, there are around 3.5 million professional truck drivers on the road in the United States. If you’re a truck driver, whether you’re an independent owner/operator or work for a large company, you know just how expensive life on the road can be. One of the biggest expenses for many truckers is their monthly insurance premium. Just like automotive insurance, the cost of trucker insurance premiums depends upon several factors, including past accidents. Here are four simple ways you can begin saving money your trucker insurance premiums: Increase Your Deductible Your insurance deductible is the amount of money you will pay out-of-pocket in the event of an accident. If you’re unsure what your deductible is, contact your insurance provider immediately to see how much money you could save by raising it. According to INS Web, raising your deductible from $250 to $1000 can often save you anywhere from 25 percent to 40 percent on your premiums. However, be aware that if you raise your deductible too high, you might have trouble paying for the cost of repairs if you are ever in an accident. Talk with your insurance provider to learn how much raising your deductible can save you on your monthly insurance premiums. Create a Safety Policy If you’re an independent owner/operator, chances are you’ve never crafted an official safety policy. A safety policy outlines how you would handle any situations or factors that will impact your safety on the road. For example, if you’re in an accident, do you have a detailed plan that lays out exactly who will tow your truck off the road and where your truck will be serviced? Many insurance providers will discount your policy if you craft a written safety policy. When creating a safety policy, there are several points you should cover, including: What you would do in the event of an accident Your policy and drug and alcohol abuse Any safety training you’ve had in the past Any safety upgrades you’ve made to your semi-truck A complete medical history Your hiring process, if you have any employees Once you have a written safety policy, submit it to your insurance provider. Your provider may ask you to include additional information. Ask About Safe Driver Courses Depending on your insurance provider, you may qualify for a discount if you complete a safety driver courses. These courses are designed to not only pinpoint potentially dangerous behaviors, but also educate drivers about how to stay safe, both on and off the road. Many safe driver courses cover the following information: Defensive driving Drug and alcohol abuse Driving in adverse conditions Road safety How to maintain an accurate log book Traffic safety and laws The length and requirements of the course will vary. Once the course is completed, your insurance provider may offer you a discount on your monthly premiums. Improve Your Credit Score Finally, in many states, there is another factor that can impact how much you will pay for your trucker’s insurance: your credit score. In addition to your age, marital status, past accidents and several other factors, your insurance provider may take your credit score into account when determining your risk. The higher the risk, the more the insurance company will charge for your monthly premiums. If...

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Going Under Green: Tips To Preplan Your Green Burial

Posted by on Feb 5, 2016 in Uncategorized | Comments Off on Going Under Green: Tips To Preplan Your Green Burial

Death is an unfortunate part of everyone’s life at one point or another. While unavoidable, planning for the inevitable is smart for reducing the stress your loved one left behind will feel. If you a have a passion for the environment, you may want to continue protecting the planet even after death. Considering eco-friendly burials are becoming popular options today, adding this green option to your pre-need funeral arrangements is smart to continue your passion. Using these tips, you can ease your loved one’s minds by pre-planning your green burial. Viewing/Wake When planning your final wishes, you will need to choose a type of memorial service. Customizing your memorial service based around your budget and eco-friendly lifestyle is possible. Each year, traditional burials pollute the environment with an estimated 800,000 gallons of embalming fluid. Due to this staggering amount of pollution, green burials do not utilize traditional embalming practices. However, without preserving the body, having a traditional viewing during your funeral can be difficult. Fortunately, preserving the body is possible using formaldehyde-free essential oils. Using these natural essential oils, your family will still benefit from saying their goodbyes with a traditional viewing. Burial The viewing and burial will also require a container or cover for your body. Of course, utilizing traditional coffins or caskets will not align with your environmental beliefs due to the seeping of metals, paints, and stains into the earth’s surface after burial. Here are a few green options to consider for your container or cover: Shroud – Your body can be wrapped in a biodegradable material. Shrouds made from wool, felt, and other natural fibers are eco-friendly options to cover your body during the burial. Coffin – Green coffins are also available for your eco-friendly burial. Choose from wicker, willow, or bamboo coffins. These materials are woven into casket-like shapes, creating a burial container using materials from nature. Solid wood coffins are also readily available, but they must be free from paints and stains, ensuring toxic chemicals do not seep into the ground. Location While surprising to hear, an estimated 340 cemeteries in the United States have been certified by the Green Burial Council. Green cemeteries prohibit traditional preservation of the deceased through embalming chemicals. In addition, the cemeteries do not include concrete burial vaults. The deceased are only buried naturally, within a biodegradable container or wrapped in a natural shroud. Compared to the look of traditional cemeteries with rows and rows of headstones, green cemeteries offer a natural, sanctuary-like look and feel. Consider the following options to mark your grave in an eco-friendly manner: Tree Shrub Flowers Boulder Smaller Rock Art Created from Twigs and Branches Pre-Cut Tree Stump To personalize the grave, loved ones should choose a favorite tree or plant. If possible, find a flower or flowering shrub or tree that blooms in a favorite color.  Avoid painting boulders or rocks before placing since these chemicals are not prohibited in green cemeteries. Carving names, dates, and favorite quotes or sayings into a pre-cut stump from a tree is also a great option. Green Cremation? Although traditional cremation practices emit toxic gasses into the air, safer, non-toxic cremation options are available. Known as Alkaline Hydrolysis, this version of cremation dissolves the body, leaving behind bone fragments and a liquid solution. Alkaline Hydrolysis offers...

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Thinking Of Renting A Man Lift? What You Need To Know

Posted by on Jan 15, 2016 in Uncategorized | Comments Off on Thinking Of Renting A Man Lift? What You Need To Know

There are many reasons why you may be considering renting a man lift, also commonly referred to as personnel lifts, cherry pickers, boom lifts, scissor lifts, aerial lifts and basket ladders, for use around your home. These lifts allow you to reach heights that you can’t reach while on a ladder, while also providing you with a safe and sturdy platform that you can work atop. You may wish to rent one of these pieces of construction equipment to place Christmas lights on the highest parts of your home, to trim large trees, or to make repairs to an air conditioner on your roof. Regardless of why you are renting the piece of equipment, if you have never rented one before, you may be unsure what you need to know when renting one. Here are tips that will help you rent a man lift for your home project. Know What Size Man Lift You Need There are different types and sizes of man lifts that are available. Some lifts only go up and down, while others may have limited side-to-side motion. Some lifts are battery operated, while others run on gas or hydraulic power. Some lifts can accommodate one person, while others can hold two people. And some lifts can raise 19 feet into the air, while others can extend upwards of 40 feet. Knowing the height of the project you will be working on and then the features that you need will help you find the man lift that makes the most sense for your project. Get Price Quotes Once you have figured out what features you need in a man lift, call different construction equipment rental companies and get a price quote. You will find that the price offered by one company will vary from the price offered by another company. This is because rental companies often change their prices based on demand. If they have 10 man lifts available for the time frame you are looking at renting it, the price will generally be less than if they are down to their last one. This is similar to how many rental companies work, such as rental car companies and hotel rooms. Also, as you shop for quotes, make sure you are getting an accurate representation of what the total price of the rental will be. Some companies including the price of dropping off and picking up the equipment in their price quote, while others may not. Some companies may include insurance in the price of their rentals, while others may not. Always review the quotes and see what is included to ensure you are accurately comparing one quote to another. Learn What Happens If the Machinery Malfunctions The last thing you want to ask a company that you may be renting equipment from is what happens if the machinery malfunctions or breaks down. Rental companies are responsible for maintaining the units. However, even with routine maintenance, you never know when the unexpected will happen and a lift will malfunction or cease to work. Unfortunately, this can put a hold on your project and impact your budget if you have hired laborers to assist you. Some rental companies have a 24-hour emergency line where you can call in and report the malfunction. They will then send someone...

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5 Of The Most Common Signs Your Commercial Furnace Needs Immediate Attention

Posted by on Dec 18, 2015 in Uncategorized | Comments Off on 5 Of The Most Common Signs Your Commercial Furnace Needs Immediate Attention

With all the stresses of running a business, it’s too easy to overlook the maintenance on the furnace keeping your building warm in the winter. Unfortunately, the extra demands of commercial usage mean that skipping a few maintenance visits is even more likely to leave the heating equipment damaged than with residential units. Watch out for these five signs that you need to schedule an immediate inspection from a furnace repair technician. Flame Color Changes Taking a peek through the combustion chamber vents while the furnace is running can reveal the color of the flames and let you know if there’s a problem. A well-functioning gas or oil furnace will feature a steady blue flame, while obviously an electric model should have no flames at all. If you spot orange, yellow, or even solid red flames, you need to call a technician to figure out what is wrong with the fuel mixture. It’s fine for blue flames to feature any of these colors at the base or tips, but you should still schedule a maintenance visit since it can indicate the beginning of efficiency issues. Flame color changes are often linked to cracked heat exchangers, which need immediate replacement before your business is compromised with a steady flow of dangerous carbon monoxide. Soot Deposits It’s not unusual to find a little soot on the inside of your commercial furnace, especially right after you have it professionally serviced. However, excessive build-up of gray ash and black soot over 1/8th of an inch thick indicates you need repairs because you’ve skipped a few too many routine maintenance visits. Letting the soot get thicker than this measurement can lead to a dangerous vent fire and reduced heating efficiency. Flickering Lights The two previous problems are limited to combustion furnaces, but commercial electric models can also create big problems when neglected for months and years on end. These heating units are particularly prone to wiring issues, especially since rooftop models are located where insects and rodents can damage the connections as they seek out new places to live. Even if you’re on the ball about managing pests throughout the building, it’s very easy for a single mouse to do a lot of damage. You’ll likely first notice the lights flickering due to the shorts in the furnace wiring. A little flickering may not bother you much, but failing to fix the problem at that point will leave sensitive equipment like computers permanently damaged due to the voltage fluctuations. Unfamiliar Odors Don’t assume that those unpleasant odors you’re noticing are due to a spill somewhere in the building or a customer accidentally tracking something in with them. Badly maintained commercial furnaces can produce odors similar to the chemical smell of formaldehyde, which indicates dangerous fumes like carbon monoxide are entering the air supply. Even more noticeable odors, such as the brimstone smell of sulfur or a faint smokiness to the air, deserve prompt attention too since they’re signs that something is seriously wrong. Uneven Heating Results Finally, don’t just settle for your employee break room staying 10 degrees cooler than the rest of your business. Most commercial furnaces are set up with zones so that you can use thermostats to control each area separately. If one or more of the thermostats is acting up,...

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Living Overseas For Work? How Can You Arrange A Domestic Move?

Posted by on Nov 16, 2015 in Uncategorized | Comments Off on Living Overseas For Work? How Can You Arrange A Domestic Move?

With today’s global economy, more companies than ever before are choosing to station high-level U.S. employees in other countries. These assignments can provide you and your family with an invaluable opportunity to immerse yourself in a new culture and way of living, but can also be highly inconvenient when you’re required to take care of a matter back home. When the time comes to sell your primary residence and relocate to another city or state, how can you handle this move while thousands of miles away? Read on to learn more about some of the offerings that can help ease the stress of planning a move a continent away, as well as how you can accomplish this feat at the lowest possible cost. What services are available to help you plan and coordinate your move while out of the country? While arranging a domestic move from outside the country was once a logistically difficult process — particularly if you were on a part of the globe where U.S. business hours fell in the middle of the night — the internet now allows you a number of ways to coordinate and streamline your move. You’ll be able to solicit online quotes from a variety of different moving companies. Because these quotes are in writing, it will be much easier to copy and paste specific provisions to provide you with a line-by-line price and service comparison. You’ll also be able to communicate directly with the moving company and avoid any delays or communication breakdowns due to the difference in business hours. During your past moves, you may have tried the DIY approach by purchasing your own packing boxes (or collecting castoffs from grocery or liquor stores), renting a box truck, and packing, loading, and unpacking your belongings yourself. This won’t be an option during your current move, so you’ll need to outsource these tasks to employees of the moving company. Through a process called “white glove delivery,” your belongings will be packed, shipped, and unpacked in your new location (per room-by-room instructions you’ve provided). The moving company can even provide you with photos of your new home to ensure that everything is in order before you make the final payment. One of the advantages of this method is that it doesn’t require you to coordinate multiple moving parts — by paying a single company that handles the move from beginning to end, you’ll be able to concentrate on more important matters at hand and know that your belongings are safe.  What are your most cost-effective moving options? In some cases, you may be relocating within the U.S. due to a job change, and will soon return to the States to begin work in your new city. If this is your situation, it’s likely your employer will cover at least a portion of your relocation expenses — often making white glove delivery the most cost-effective option. If you don’t receive employer reimbursement for these expenses, you should be able to reduce your taxable income by deducting these expenses on your next federal income tax return (even if you don’t normally itemize your deductions).  However, if you’ve already overextended yourself on your new home and are trying to save money, you may want to instead opt to rent a pod shipping container. By...

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How To Properly And Safely Replace A Neon Sign Power Transform

Posted by on Oct 12, 2015 in Uncategorized | Comments Off on How To Properly And Safely Replace A Neon Sign Power Transform

If you own a non-functional neon sign, it is likely the transformer has gone bad and needs to be replaced. Below is how you can remove an old transformer, find an appropriate replacement and install it: Tools and materials needed to replace a neon transformer Replacement neon sign transformer that matches the appropriate specifications Wire cutters Wire strippers Electric drill with ⅛-inch drill bit Screwdriver Electrical tape Pencil Ceramic wire nuts Step-by-step procedure for replacing a neon transformer 1. Recognize the dangers posed by neon transformers and work safely – Neon sign transformers are capable of generating thousands of volts of electricity and high currents. Accidental contact with the electrical output can be extremely painful, and it can also be fatal in some circumstances. Never handle a transformer that is plugged in an outlet, and always be sure you properly dispose of old, non-working transformers by cutting off the plug; if someone else finds and connects a faulty transformer to an outlet, they could be electrocuted. 2. Purchase a replacement transformer – Neon transformers come in a wide variety of electrical configurations, so you need to be careful to choose one that meets the necessary specifications. The old transformer should contain a label or other markings that provide key characteristics to use when shopping for a new unit. The most important specifications are the transformer output voltage and amperage. You also need to be sure the replacement can be plugged into the outlet you have available in your installation. Some transformers are capable of accepting either 120 or 240 volts AC, so check this information before making a purchase. 3. Remove the old transformer from the sign – After ensuring the transformer has been unplugged from its outlet, begin by locating the pair of wires that lead from the transformer to the glass neon-filled tubes. Snip the pair of wires near the point where each one exits the transformer; you should leave yourself plenty of wire to work with, so don’t cut them too short. After cutting the wires leading from the transformer to the tubes, locate the mounting screws that hold the transformer to the metal framework. Carefully remove these screws, being cautious not to break the fragile tubes, and set them aside in a safe location. Cut any ties or straps holding the transformer’s power cord to the framework, then pull the transformer away from the sign. 4. Install the new transformer – Once the old transformer has been safely removed, lay the new one by the sign’s metal framework, so the high-voltage leads can reach the neon tube. Next, use wire strippers to remove about a ½ inch of insulation from each wire end on the transformer and tubes. Grasp a wire leading from the tube, and hold it up against its matching counterpart leading from the transformer. Slip both ends of the wire together into an open socket on a ceramic wire nut, and twist the wire nut in a clockwise direction until the connection is tight and can’t be easily dislodged. Wrap the ceramic nuts with several inches of electrical tape to hold them in place. 5. Attach the new transformer to the metal framework – After the new transformer has been wired into place, locate a good spot for mounting the unit on the...

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4 Ways To Prevent Common Home Security Threats

Posted by on Sep 11, 2015 in Uncategorized | Comments Off on 4 Ways To Prevent Common Home Security Threats

A high-quality and reliable home security system is invaluable to protect your family and property. However, protection goes a step beyond the function of your security system. You need to remain vigilant to make sure common threats do not compromise your system’s ability to protect your home. Know Common Security Threats A major threat to your home security system is on the other end of your phone or at your front door. Callers who pretend to be from your home security company or a competitor can easily lure you into allowing them into your home or giving sensitive information about your system. Your home security company is unlikely to stop by if you did not call them about a problem. If a representative does stop by, it is okay to decline them entering your home until you can verify their identity. A legitimate representative of the company will have no problem returning after you have made an appointment directly with the company. If you are interested in changing your current security provider, do it the traditional way and call the company directly. You have no way of knowing if a door-to-door solicitor is from a legitimate company. Unfortunately, criminals can pose as a representative and scope out the belongings in your home or disable your security system if you allow them inside. Keep Network Access Secure The technology available to allow you to arm or disarm your system from almost any device with an Internet connection also makes it easy for hackers to access your system. You should make sure any network you use to access your security system is secure. Make sure your home network is secure as possible by having complex usernames and passwords. When possible, make network names invisible from scanning. Anyone that needs to access your home network should be able to type in the network identification to connect. Your home security company never has a reason to call or stop by and ask for your passwords. Beware Of Camera Placement Keeping your network secure is also important to prevent unauthorized access to security cameras. If a hacker accesses your security cameras, you want to make sure it is impossible for them to see inside your home. It is best to limit your cameras to the outside of your home, such as over entrances and windows, which are major entry points for burglars. Keep mailboxes in view of your security cameras because mail theft is also a common problem. If you must use security cameras inside your home, limit their view to common spaces throughout your home. Hackers can use camera images to see if you are at home or where you store valuables, but sensitive images can be used in extortion schemes. Access Your Network Securely If you are using a wireless home security system with mobile access, you need to exercise caution in the way you access any security functions. Make sure you only use the website or app for your system from a trusted device and on a secure network. There is the risk of malicious software or unsecured Wi-Fi networks reading your passwords and taking over your security system. Use trusted virus protection software for your mobile devices to make sure your device is free of viruses. Just like your online...

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Pickle Me Pink: How Common Household Vinegar Can Help Rid Your Dog Of Fleas

Posted by on Aug 17, 2015 in Uncategorized | Comments Off on Pickle Me Pink: How Common Household Vinegar Can Help Rid Your Dog Of Fleas

If Fido’s scratching is interfering with your summer fun, but you would prefer not to use chemical flea treatments, a common pantry ingredient may be all you need to deal with your flea problem. You probably already know that both apple cider and white vinegar are staples found in most households where they are commonly used in pickling and salad dressing recipes and also as a powerful cleaner for kitchen and bathroom surfaces. What you may not know, however, is that vinegar can be used as a cheap, safe and effective flea remedy for your dog. Why Vinegar Works for Flea Control Fleas make their home on dogs and other warm-blooded animals because the animal provides a constant source of food, warmth and a secluded place to procreate. The flea life cycle consists of four stages: egg, larva, pupae and the adult flea. In order to successfully incubate, fleas need a warm protected space and a seventy percent humidity level, which can be found in a canine coat. In order to keep your pet flea-free, it is necessary to destroy both developing fleas and the adults, as well as making the dog’s coat less appealing to the flea. Using vinegar for flea control works to interrupt the flea life cycle by:   killing adult fleas that come into contact with the vinegar in the initial application killing eggs and larva present on the dog before they can mature removing the pre-digested blood that adult fleas deposit on the skin of your dog as nourishment for the developing larva giving the dog’s fur a vinegary smell that repels fleas Three Steps to a Flea-Free Dog Using vinegar to rid your dog of fleas does not cause discomfort unless it is allowed to touch open sores, severely irritated skin or the membranes of the eye. Here are three simple steps to help you apply it properly. Bathe your dog with a few drops of plain shampoo or mild dish detergent, making sure to thoroughly soak and lather all parts of the dog. Use a washcloth or small sponge on the face to prevent getting the soapy water in the dog’s eyes. Let the lather stay on the dog for a few moments and then rinse thoroughly with warm water. For best results, repeat this process every two weeks. While the dog is still wet and in the bath tub, use a small plastic cup to apply small amounts of vinegar directly to your dog, taking time to work it into the fur with your fingers. Pay special attention to creases of the leg, behind the ears, around the base of the tail and any moist areas where fleas tend to gather. Refresh the effectiveness of the vinegar by spritzing your dog once or twice per day with a spray bottle filled with either type of vinegar. This will have the added benefit of keeping your dog’s coat cleaner and fresher between baths. If your dog continues to suffer from fleas after using vinegar, your problem may be more serious. In many cases, this type of flea issue is a sign that the home environment is severely infested with fleas. Dealing with this type of infestation issue will require the assistance of a reputable pest control specialist who can help rid the...

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Creating An Ideal Balance Of Personal And Professional: Tips For Creating Decorating Policies That Work

Posted by on Jun 15, 2015 in Uncategorized | Comments Off on Creating An Ideal Balance Of Personal And Professional: Tips For Creating Decorating Policies That Work

Decorating an office or any professional work space is about creating a delicate balance between personality and professionalism. You’ve got the furniture from places like D&R Office Works, Inc. and now it’s up to you to decide on the level of personalization. You want your employees to feel comfortable in their cubicle or workspace, but do not want to make your professional space look like a hodgepodge of several different styles, tastes – and questionable taste in artwork! Help ensure that your workplace creates an ideal mixture of professional and laid back by instituting these rules about décor and decorating: Create a Simple List of Appropriate and Inappropriate Decorations To ensure there is not any confusion about what is okay and not appropriate to display in the workplace, the simplest solution is to create a simple and straightforward list. However, you might be wondering what you should place on each list? Here are a few things that you should consider allowing in your workplace: A small potted plant, real or a great-looking fake, is a great way to add a little color to the office without offending any coworkers or clients. Family photos are acceptable, as long as they’re appropriate and displayed in a quality frame that works with the office décor. Calendars and other small pieces of artwork are also acceptable, as long as they once again don’t contain any images that clash with the office décor or could be perceived as offensive. When it comes to items that should be left at the employees’ homes, here are a few rules to consider: State explicitly in the rules that any images of a religious or spiritual matter shouldn’t be displayed. This is a sensitive subject, but it’s important that the workplace décor doesn’t reflect anyone’s personal religious beliefs. Insist your employees leave their favorite movie photos, signed baseball cards or inspirational posters featuring kittens at home. These are adorable, but don’t provide your workplace with the air of professionalism clients will expect. Create regulations dealing with the number of personal items your employees are allowed to display. Otherwise, the office will start looking like a thoughtfully decorated, and very cluttered, house rather than a place of business. Dealing With Holiday Decorations From Valentine’s Day and Easter to Thanksgiving and Christmas, chances are your employees will want to display some decorative items that celebrate the season or a particular holiday. Allowing your employees to spread a little holiday cheer is a great morale booster, but it is vital to institute a few rules to ensure your office space doesn’t turn into a gaudy disaster. Here are a few holiday decorating rules that will help ensure your employees are able to enjoy their surroundings appropriately: Leave the personalized, family decorations at home. The pictures of Santa created from macaroni and glitter glue are adorable, but unfortunately, they’re not suitable for the workplace. All Business recommends using festive foods to create a fun, and edible, array of decorative pieces. For example, a few bowls filled with chocolate covered strawberries on Valentine’s Day or a festive, autumn-themed platter of apples are great ways to treat your employees, while celebrating the holidays. Allow everyone to express their beliefs during the holidays, just make sure nothing is too offensive. For example, it’s acceptable to display...

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Has Your Debt Gone Into Collections? Know Your Options For Dealing With The Agency

Posted by on Apr 9, 2015 in Uncategorized | 0 comments

If you’ve recently forgotten to pay a debt or been unable to make payments, you may now be facing collection services calls and letters. While these agencies can be intimidating, you shouldn’t feel like you have no options left. Being aware of your rights and your state’s laws governing debt collection may help you avoid paying the agency. At the very least, even if you have to pay the debt back, you can still protect your credit score. Ask For Proof  Before you start to worry about how you’ll repay your debts, you need to verify that they are still valid. In some cases, collection agencies may try to collect on debts that they don’t realize have been resolved already. Fortunately, as a debtor, your rights are protected under US law. If a collection agency is seeking repayment from you and you suspect that you aren’t actually in any debt, you can send a letter to the company requesting formal proof of their right to collect. The response, if the claim is valid, will include information such as the amount of the debt, who sold the debt to the agency, the age of the debt, and any previous payment history. If the collection agency is unable to provide you with such information, then they are legally unable to collect on the debt in question. This step can be useful even if you know the debt is valid, as well. For starters, the agency must postpone any collection attempts until it sends you the information proving that it has the right to request repayment. Additionally, having this information may help you avoid paying valid debts, depending on the type of debt you have and the law in your state. Check Your State’s Statute Of Limitations Some debts can persist for a lifetime, like legal fines and student loans, but most types of consumer debt will expire in a set amount of time, even if they aren’t fully paid. When a collection agency purchases your old debt, the age stays the same. That means even if your debt is newly-acquired, its age doesn’t change. While most debts are resolved long before they have a chance to expire, it’s always worth it to check your state’s statute of limitations if a debt that you owe is more than a year old already.  However, if your debt hasn’t yet expired and is nearing expiration, it’s not a good idea to try and wait out the company. Chances are, if the debt is big enough, collection agencies may file a civil suit against you before their time is up, which can end up costing you significantly more than if you just paid it. Pay Quickly If Possible If you know for sure that the debt is valid and it’s new enough that there isn’t a chance it has expired yet, then your best recourse is to work with the collection agency to pay it off quickly. Aside from getting the agency out of your hair, this can also help you protect your credit. Most agencies won’t report that your debt has gone to collections until 30 days after they acquire it and contact you to inform you about it. If you pay within these 30 days, chances are that your credit score will stay...

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