Blog | Shepherd Outsourcing

Writing a Debt Validation Letter: Template and Guide

James Heinz

Aug 268 min read

Writing a Debt Validation Letter: Template and Guide

Here is a sample debt validation letter that confirms debt ownership, required amount, and provides legal protection to the debtor.

19 views0 comments

Challenges of Medical Debt in the United States

James Heinz

Aug 265 min read

Challenges of Medical Debt in the United States

Despite having health insurance, many Americans face significant healthcare debt, impacting financial stability and health outcomes.

4 views0 comments

Identifying Legitimate Debt Collectors and Scams

James Heinz

Aug 255 min read

Identifying Legitimate Debt Collectors and Scams

Learn about distinguishing legitimate collectors from scams, with strategies for consumer impact recovery in debt scenarios.

5 views0 comments

Strategies to Get Debt-Free by Paying Off Credit Card Debt

James Heinz

Aug 256 min read

Strategies to Get Debt-Free by Paying Off Credit Card Debt

Explore the best way to pay off credit card debt: focusing on high-interest debt first, and using the Snowball Method.

6 views0 comments

Understanding How a Debt Relief Program Works and Who Qualifies For It

James Heinz

Aug 255 min read

Understanding How a Debt Relief Program Works and Who Qualifies For It

Learn how a debt relief program works, from negotiating debts to understanding different types like settlement and consolidation.

6 views0 comments

Guide to Negotiating Debt Settlement on Your Own

James Heinz

Aug 245 min read

Guide to Negotiating Debt Settlement on Your Own

DIY debt settlement can save time and avoid fees while settling debt for less, but requires delinquency and strong negotiation skills.

14 views0 comments

Understanding Credit Card Debt Relief Government Programs

James Heinz

Aug 245 min read

Understanding Credit Card Debt Relief Government Programs

This blog discusses credit card debt relief government program options such as HUD counseling services and homeowner assistance fund.

5 views0 comments

How to Get Out of Loan Settlement: Process and Facts

James Heinz

Aug 237 min read

How to Get Out of Loan Settlement: Process and Facts

Understand loan settlement & explore methods to avoid it, such as bankruptcy, debt consolidation, refinancing your loan.

6 views0 comments

Ways to Handle Common Financial Stress and Hardship Problems

James Heinz

Aug 2310 min read

Ways to Handle Common Financial Stress and Hardship Problems

Identify key sources of financial problems like job loss or difficulty making ends meet to address them timely and efficiently.

11 views0 comments

11 Questions to Ask Before Considering Debt Consolidation

James Heinz

Aug 226 min read

11 Questions to Ask Before Considering Debt Consolidation

Find 11 essential questions to ask a debt consolidation company. Learn about loan terms, costs, and financial impact to make an informed dec

13 views0 comments

James Heinz

Aug 135 min read

Strategies to Accelerate Debt Repayment

Accelerate the repayment of a debt through strategies like the Snowball or Avalanche method and by effectively allocating discretionary

5 views0 comments

James Heinz

Aug 127 min read

Steps to Reduce Your Debt

Learn strategies to efficiently reduce debt such as creating a budget, formulating a repayment plan, and maintaining financial discipline.

4 views0 comments

Process of Banks Writing Off Credit Card Debt

James Heinz

Aug 115 min read

Process of Banks Writing Off Credit Card Debt

Struggling with credit card debt? Learn the process of banks writing off credit card debt, its impact, and solutions to manage it.

3 views0 comments

Strategies to Negotiate Payment with Debt Collectors

James Heinz

Aug 106 min read

Strategies to Negotiate Payment with Debt Collectors

Learn to negotiate payment with debt collectors by calculating a realistic plan and ensuring all agreements are documented.

7 views0 comments

How to Arrange a Payment Plan with a Debt Collector

James Heinz

Aug 99 min read

How to Arrange a Payment Plan with a Debt Collector

Falling behind on your payments can lead to your debt being sold to a collections agency, setting off a stressful process of dealing with...

11 views0 comments

Effective ways to Make a Payment to a Debt Collection Agency

James Heinz

Aug 75 min read

Effective ways to Make a Payment to a Debt Collection Agency

Learn how to pay a collection agency effectively. Verify debt, know your rights, negotiate wisely, and make secure payments to regain

7 views0 comments

3 Strategies to Stop Paying Credit Card Debt Legally

James Heinz

Aug 65 min read

3 Strategies to Stop Paying Credit Card Debt Legally

Learn how to get rid of credit card debt without paying, through strategies including bankruptcy, debt settlement, and debt management plans

6 views0 comments

James Heinz

Aug 55 min read

Credit Card Debt Relief: What to Know

Find out who qualifies for credit card debt relief along with types of programs including settlement, bankruptcy and debt consolidation loa

17 views0 comments

Debt Relief and Credit Repair Advisory Scams

James Heinz

Jul 246 min read

Debt Relief and Credit Repair Advisory Scams

Understand relief advisory scams that falsely promise to fix financial issues but fail, causing financial and emotional distress.

23 views0 comments

Common FDCPA Violations by Debt Collectors

James Heinz

Jul 228 min read

Common FDCPA Violations by Debt Collectors

This blog includes common fdcpa violations like harassment, misrepresentation, unfair practices, improper third-party contacts, and communi

10 views0 comments