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you can use the Fair Credit Reporting act, and invalidate anything in collections.
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Savings accounts (22%) were the next best bet, followed by seeing aid from employers (4%), personal lenders (2%) and financial institutions (1%).
The proposed prohibition corresponds to the condition in proposed § 1041.
Keep in mind that any initial offer you receive from a collection agency is their opening offer and they are probably able to accept lower if you negotiate.
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A home equity line of credit can be used for any purpose.
If you are going to borrow the full $10,000, realize that you will need to come up with nearly $14,000 if your term is a full year.
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