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Linda Adams, The Clean Credit Queen is not a registered investment advisor and the information provided on this website should be considered educational in nature, but it is not a substitute for
legal or professional financial advice. If you believe you need the help of a Certified Financial Planner or other investment counselor, please seek a qualified professional.
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Home page for Linda Adams - The Clean Credit Queen. Linda provides credit products and services for Small Business Owners, Real Estate Investors, and Individual Consumers.Clean Credit Queen articles discussing credit related issuses that small business owners, real estate invesors, and individual consumers will find useful.Clean Credit Queen Products and Services that can help educate you in the area of credit, and provide solutions to the credit challenge you could be facing right nowClean Credit Queen TV - Credit News and InformationListen to Clean Credit Queen Interviews with various people who have expert financial knowledge Links to people, businesses, products, and services that the Clean Credit Quuen has found to be great resourcesClean Credit Queen Online Calendar featuring event dates and times for credit teleseminars, workshops, free credit products, and other credit services.Great information about a range of credit topics, absolutely free!
Linda Adams - The Clean Credit Queen - working with small business owners, real estate investors, and individual consumers to develop credit performance solutions that get results and are affordable.
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Got Credit Problems? Get Your Credit Out of the Red and Into the Green!  Credit Education Works.
Real Estate Investors...
Do Your Tenants Have Credit Issues?
Personal Credit Challenges Keeping
You From the Things You Need?
Want to Decode The
Credit Mystery?
Small Business Owners...
Do You Need Business Credit?

    Are you a Small Business Owner, Real Estate Investor, or
    Individual Consumer facing a credit challenge and  wondering
    how you're going to deal with the new credit rules and tactics that
    credit card companies and other lenders are instituting?

    The old days of credit are gone and the new rules of credit must
    be learned. Things can get worse if you're not prepared.

    Credit Education is an effective and lasting investment for these
    critical times. You need to know how to manage your own
    personal or business credit economy so that you can make
    effective decisions that will get you the things that you want.

    Linda Adams - The Clean Credit Queen can help you learn how to
    manage credit challenges using effective, easy, fun, reasonably
    priced, and results oriented credit products and services.

    Click on either of the pictures below and read credit articles that
    will help you learn the new rules for the Credit 3.0 economy.
Real Estate Investors with tenants that are currently leasing or renting with the intention that they will purchase the house in the future face a common problem. Many tenants have to resolve credit challenges before they can qualify for a mortgage. Investors can partner with an expert who can relieve them of the burden of educating tenants about credit. Linda Adams - The Clean Credit Queen has a number of products and services that focus on personal credit and getting investors the results that make a difference in tenant credit performance.
Establishing credit as a small business seems like it should be fairly straight forward but there are a number of twists and turns in this road. Many small business owners will generally have to seek help in getting through the steps that business credit reporting agencies require. Linda Adams - The Clean Credit Queen can support you every step along the winding road to establishing solid business credit. Her products and services range from home study, do it yourself to getting
How credit works can be a mystery. Credit card companies and other lenders don't make it easy for you to know what you getting in terms of interest rates, fees, pay periods, and a number of other things. You can learn how all this works but you have to take some action. It's important to begin now because time is on your side but you must use your time wisely. Linda Adams - The Clean Credit Queen has taken on the mission of demystifying how credit works and how you can take advantage of or leverage her investment in knowledge. She has taken the first step an all you have to do is take your first step to commit to educating yourself, with her help.
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                              Statute of Limitations For Your Debt


    Did you know that after a certain period of time, a creditor or debt collector may no
    longer sue you to collect the debt you owe? These debts are called time barred
    debts and the time frames vary from state to state.

    You can go to the internet and search on ‘statute of limitations for debts’ and you
    will find the various times for all states. They vary from 3 years to more than 15
    years depending on the type of debt. Three to five years seems to be the average
    limit on credit card debt.

    The right to a limit the time you can be sued for a debt comes from the Fair Debt
    Collection Practices Act.  However, it is possible to ‘reset’ this time back to zero if
    you say the wrong thing to a debt collector. Never admit that you owe anything to
    someone who calls you trying to collect a debt, especially if it is an old debt. They
    cannot sue you for collection after the time is up. You can request that they quit
    calling you after the statute of limitations is up and they must comply. They can
    only write you letters to  explain their next steps.  

    Your first step is to determine the kind of debt that is in question. If it is a credit
    card or revolving debt the statute of limitation will most likely be less than if it is a
    secured or installment debt. Consult a lawyer to find out which type of debt your
    state considers it to be so you know the correct time frame.  

    Next you need to determine when the debt was due. That is when the last on time
    payment was and when your first missed payment occurred. This is the ‘start’ time
    for the statute of limitations.

    Just because the statute of limitations runs out does not mean that they will stop
    asking you to repay the loan, it only means you cannot be sued for that amount,
    plus any interest and fees they tack on. There is nothing to stop you from
    voluntarily repaying the loan. If you chose this option, whether you promise to
    make a payment or actually make one, you will restart the clock on the statute of
    limitations and you can now be sued for the entire amount so be careful.


    Summary – There is a specific time frame, in each state, after which you can not be sued for
    debt.


    Credit Article by Linda Adams - The Clean Credit Queen
    Good Day and Good Credit
    The mind is powerful. Use it in positive service.

    Reciting Affirmations is a technique for engaging and
    enlivening the positive, prosperous and productive  forces of
    our thought process.

    Hiram Goicochea of www.WealthSonic.net helps us
    understand and use the affirmations as a bridge to a
    positive mindset.

    Hiram's affirmations will appear in this space on a weekly
    basis. You are welcome to drop by every week to find
    inspiration and power in the thoughts that appear here.


    Play the audio to listen to Hiram's thoughts on what Positive
    Affirmations are and how you can use them in your own daily
    living.
Increase Your Capacity for Good Things to Happen to You Every Day
Free Credit Information on things that you can
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Linda Adams - The Clean Credit Queen has FREE Information for you that will help learn how to enhance your creditso that you can get the things that you want.