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Back in 2009, Congress passed a new law called the Credit Card Accountability Responsibility and Disclosure Act of 2009. This bill, otherwise known as the Card Act of 2009, was created to further regulate credit card companies and the interest rates they charge. The idea behind the law was to stop credit card companies from raising interest rates without notice and charging fees for inactivity.Source: http://ezinearticles.com/6281636
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People who fall behind on their payments may feel so hopeless that they completely stop paying. After attempting to get you back on track and failing, your creditors will eventually send your delinquent account to a collection agency. You don't want to be unprepared when that first collection call comes.Source: http://ezinearticles.com/6286617
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