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The FDCPA does not cover debts incurred in running a business.

But keep in mind, these are secured loans that require you to put up your home as collateral.There are several ways consumers can lump debts into a single payment.One method is to consolidate all their credit card payments onto one new credit card – which can be a good idea if the card charges little or no interest for a period of time – or to utilize an existing credit card's balance transfer feature (especially if it offers a special promotion on the transaction).You can find free or low-cost credit counseling options at: Under the provisions of the Servicemembers Civil Relief Act (SCRA), you may qualify for a reduced interest rate on mortgage payments or credit card debt, protection from eviction, or a delay of all civil court actions, such as bankruptcy, foreclosure, or divorce proceedings.To find out if you qualify, contact your local Armed Forces Legal Assistance office.Your state Attorney General’s office can help you find out your rights under your state’s law.

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