Using UGotiate

UGotiate Site Tips

• Don't have the creditor's address for the Hardship Letter?
• Why should I negotiate with Collection Agency, not with my Original Creditor?
• Why should I list out all of this information now?

Negotiations

• Do I need to do anything after an account is resolved?
• What to do if the creditor will not provide you a valid settlement letter
• Why you should not send payment on a settlement after the due date
• How long does it take to hear back from the creditor about an offer?
• How do I track if my offer was received?
• What happens after I send my offer?

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UGuidance Central

• I received a Default Judgment
• A creditor is threatening to sue me
• I received a Summons and Complaint
• I received a collection letter or statement
• Account balance has increased
• My creditors are calling me

Your To Do List

• What if I am behind on my Contributions?
• Why is it important to keep my Contribution Account Balance update?
• Why should I set up automatic monthly transfers into my Contribution Account?
• Why should I keep funds for settlement separate from my other money?
• What are the Good Choice Banking Guidelines?
• Don't have the collector's address for the Validation of Debt Letter?

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Building your Plan and Goal

• What happens next?
• Why are all figures estimated?
• How many months should I select?
• How much do I need to contribute each month?

Adding and managing your creditors

• How do I change one of my creditors?
• Why are my balances increasing?
• What if I’m not receiving collection letters regularly?
• Why do I need to update my creditor’s balances?
• How do I find the Original Creditor on a Collection Letter?
• How do I find the Original Creditor Account Number on a Collection Letter?

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Your Creditors and the Resolution Process

• What does it mean if a creditor is going to Charge Off my account?
• Will my creditors work with me?
• Will the Credit Card Companies Lower My Interest Rates?
• Is Settling my Debt Similar to Filing Bankruptcy?

UGotiate Info

• How much does UGotiate cost?
• Will I receive phone calls or mail from UGotiate?
• Will my information be kept safe?
• Why does UGotiate ask for this info?
• What is my role as a UGotiator?

Money Saving Tips & Financial Education

• 5 ways to healthy spending habits
• When Should I Start Saving for Retirement?
• Fix an Error on your Credit Report
• Using Craigslist and EBay to sell your “stuff”
• Tips to Increase Your Income
• Save on Your Food Bill – Not just cutting coupons

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