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Debt and Debt Consolidation Articles
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- What Not To Do During Debt Negotiation - by Submitted on Mar 26, 2013 from Samantha SeiffertDebt settlement is an effective debt relief solution and the great news is, you can do it on your own. Some people think that this is best left in the hands of a professional. While there is nothing wrong with that, there is a service fee that you need to pay for on top of the actual settlement ...
Views: 1734 - Writing Off Debts: Is This Process Right for Me? - by Submitted on Sep 30, 2015 from Stephanie FrascoWriting off your debtis one way that debtors and creditors get rid of debts. When this process is done illegally, the collection calls and letters come into your mail constantly. When the process is done legally, usually through the process of an IVA, you avoid paying off debts. Know more about ...
Views: 1733 - Balancing With Debt Consolidation Loans - by Submitted on Mar 16, 2017 from Lena BurkutA person under debt is no doubt leading a stressful life when he or she has to manage multiple things with a single salary. All the household expenditure, the monthly bills, fees, medicines, saving and along with these if there is a debt to be settled then it becomes a next to impossible thing ...
Views: 1732 - Stressing About Debt? How to Ease Your Debt Burden - by Submitted on Sep 13, 2012 from Adam TijerinaDebt is one of those things that can make a person feel anxious and stressed. The thought that you may not be able to meet your monthly obligations can sometimes keep you up at night. There are ways to ease your burden and get some much needed rest. Forbearance If you find yourself getting ...
Views: 1729 - Debtor Sales Outstanding Calculator (DSO) to combat Commercial Late Payments and Bad Debt - by Submitted on Jul 23, 2012 from Graham D Sands BA (Hons), FACP, MICMI wanted to discuss the DSO Calculator, known as the Debtor or Days Sales Outstanding. Before you go running to the Bank for help, that’s if they give you the support you require, you must look internally at the infrastructure of the Credit Management process. Whoa there, slow down Graham you ...
Views: 1726(2 votes) - How To Sensibly Consolidate Credit Card Debt - by Submitted on May 06, 2012 from Brian FarrellCredit card debt can make you feel awful, particularly if it’s getting out of hand and you just don’t know what to do about it. However, if this is the situation which you are presently in don’t lose hope, because there are debt relief strategies which will work for you. One very popular option ...
Views: 1724 - Write Off Debt Using Debt Settlement Or An IVA - by Submitted on Aug 10, 2010 from Keith GarrowIn accounting, the term to write off means that an asset is being recognized as having a reduced or zero value. Write off in income tax statements means that taxable income can be reduced as a recognition of certain expenses required to produce the income. But what about the specific use of ...
Views: 1721(2 votes) - How to use Credit and Credit Cards - by Submitted on May 10, 2011 from Avril BettsUSE OF CREDIT: Using credit can assist you is getting and building wealth in your life when used wisely. Credit cards can give you the chance to seize opportunities when they come your way. These days all Hotels and Car Rental companies along with many other businesses require you to have a ...
Views: 1719(1 vote) - Disadvantage of Debt Consolidation - The Facts About Debt Consolidation - by Submitted on Feb 07, 2010 from Keith GarrowYou will have no problem at all finding thousands of pages on the internet extolling the virtues of debt consolidation, but that is because they are all by people who are selling it as a service and therefore have a vested interest in pointing out the positive side. Getting to know what the ...
Views: 1716(4 votes) - How to Consolidate Your Debt Without Getting a Loan - by Submitted on Dec 21, 2012 from Samantha SeiffertIf you like the idea of consolidating debts to make payments easier but you do not like the idea of getting a loan, you don’t have to throw out this option just yet. There are effective ways to get out of debt through consolidation without the need for a new loan. While it may work for some ...
Views: 1708 - Allied Interstate Collection Agency Alleged Of Malpractices - by Submitted on Jul 24, 2009 from Jason HolmesHow do the officials at Allied Interstate Collection Agency treat consumers? The section below highlights the various ways in, which the pending debt amount is recovered from the consumers. 1. They try to settle the debt amount and discourage consumers to maintain any documents. 2. Use ...
Views: 1707 - Debt Cures: Fight Back Against Your Credit Card Company - by Submitted on Mar 14, 2008 from Aaron ZakoamKevin Trudeau says it is time to fight fire with fire when combating credit card companies in chapter 7 of Debt Cures. The lenders are unscrupulous in their tactics, so Trudeau urges consumers to counter attack. Remember facing down bullies when you were a child, push back and ...
Views: 1705 - Painless Debt Relief: 5 Easy Life Mods That Can Melt Away Your Debt - by Submitted on Jun 28, 2011 from Jonny AndrewsSometimes being in debt requires people to downsize their life. It can be a chilling experience to see your past lifestyle collapse into a less than what you used to have. Unfortunately, the change has to happen. Downgrading your life to pay off your debt is truly unimaginable, but it is ...
Views: 1705 - Documents Required by Lenders in Order to Begin a Short Sale Transaction - by Submitted on Oct 01, 2009 from Owen McGab EnaohwoA Short Sale is a type of real estate transaction wherein a homeowner sells their property for less than what they owe the lender. For most lenders to consider a short sale, the homeowner must be experiencing a financial hardship and is unable to make their mortgage payments. Also, the mortgage ...
Views: 1701(1 vote) - Personal Debt - Can You Afford More Debt? - by Submitted on Aug 08, 2010 from Dan CavalliWhen thinking about personal debt, most people think in terms of monthly payments. They will consider making a large purchase if the monthly payment seems affordable. Fifty dollars a month might not sound bad on the showroom floor, but even a small amount can have far reaching consequences if ...
Views: 1698 - What If I Can’t Pay Credit Card Debt? - by Submitted on May 05, 2013 from Stephanie MojicaWhenever you apply for an account – whether by mail, telephone, Internet, or in-person – you are signing a legally binding contract. Thus, if you are unable to pay the bill for any reason the lender can legally sue you and also pursue garnishment of a portion of your wages. In some states, a ...
Views: 1692 - Debt Consolidation Pros and Cons - Should I Consolidate My Debts? - by Submitted on Jan 10, 2010 from Keith GarrowFinding out about the pros and cons of debt consolidation can be a tricky business, because the vast majority of information you will find on the internet is by companies that want to provide the service for you, so they have a vested interest in only stressing the advantages. This article will ...
Views: 1692(3 votes) - The Difference Between a Debt Negotiation Agreement and Credit Card Debt Settlement Letter - by Submitted on Oct 03, 2011 from Vic ChevalierBeing delinquent on credit card debts is no laughing matter. The endless annoying collection calls, torturous threat of lawsuits, and fear of bankruptcy can create many sleepless nights. But, a debt negotiation agreement can take away a lot troubles. The following statistics explain why so many ...
Views: 1691(1 vote) - 16 Top Reasons For Budgeting To Improve Your Life - by Submitted on Jan 13, 2019 from Madolyn KuoI believe that you all have experiences to buy many products when you want them. It is very natural and normal. The most important of all is to make sure that you have the ability to pay the bill after that. You understand the consequences and take full responsibility. Budgeting is the first ...
Views: 1689 - Money Management Skills for College Students - by Submitted on Jan 30, 2013 from Noreen RuthRegardless of where you are on the college journey, it’s important to learn good money management skills. In fact, it should be a priority. The college years are often the first opportunities for many to be independent and also the first time having to deal with bills, saving and debt. Students ...
Views: 1687 - Understanding What Impacts Your Credit Score - by Submitted on Apr 16, 2010 from Mandi HudsonYou know what a credit score is, but do you know how it is added up? The major credit bureaus each use their own variation of the Fair Isaac Corporation’s FICO method. This method breaks your score down into weighted categories, allowing your score to be determined based on the ...
Views: 1687 - Cash Flow the core of Credit Management - by Submitted on Jul 23, 2012 from Graham D Sands BA (Hons), FACP, MICMWe know what is happening with our banking system and businesses both in the UK and abroad are having difficulties getting finance, and the bank is one of the main areas where we discuss our business cash flow issues. We do talk to our accountants, who should be more supportive and productive, I ...
Views: 1684 - Use The California Credit Card Debt Collection Laws To Help Yourself! - by Submitted on May 13, 2011 from Cole CollinsAround some parts of the United States, the regulations surrounding reclamation of credit card debt apply singularly to the bottom feeders of the industry – the bill collectors that buy the obligations formerly offered by the reputable banking institutions for pennies on the dollar well after ...
Views: 1679 - Getting Unsolicited Calls for Debt Settlement? - Beware! - by Submitted on Sep 11, 2012 from Melvin SingleterryUnsolicited calls from debt settlement providers are at an all time high and are also getting very aggressive in their solicitation of distressed Americans in trying to enroll them in a debt settlement or reduction program. The Federal Trade Commission has set rules about what can be said and ...
Views: 1674 - MONEY TALKS! AND IT SAYS: "GOODBYE!" - by Submitted on Oct 21, 2010 from Terry WeberOver the years I’ve taught several adult Sunday school classes about Christian Financial management. Much of the material I gleaned from several of the excellent books that are available. In addition, as a result of much study, I’ve discovered that there are over eight hundred places in the ...
Views: 1672(3 votes) - New Bill May Help Improve Credit Score - by Submitted on Jun 07, 2016 from John McConnellInaccurate and antiquated adverse items on credit reports can be extremely detrimental. They can adversely influence a consumer’s credit score, elevate interest rates and even lead them to incur a lot of money in payments they have to make. Yet most credit reporting system players emphasize that ...
Views: 1672 - Asset Searches and the Collection of Debt - by Submitted on Mar 08, 2012 from Edward Amaral, Jr., Esq.It has become increasingly important for both businesses and individuals to receive payments that are due to them. Debtors are often delinquent in paying for goods, services or other financial obligations. When a debtor does not pay, the creditor is forced to take legal action either through a ...
Views: 1662 - Bad Credit Debt Consolidation Loan and How to Resolve Bad Credit Score - by Submitted on Sep 14, 2012 from Devid PitersionAlmost every adult human being inhabiting the planet has debts. The size of course depends on the individual’s station in life. Credit cards were meant to make life easy and convenient and it has, to some extent. But it also lulls you into a false sense of security. You can sometimes blame the ...
Views: 1661 - Avoiding Home Loan Problems - by Submitted on Jan 19, 2015 from Arwind SharmaHome loan application and borrowing needs some toil. The market today is flooded with various loan plans and schemes. But it is a tough choice to finalize the deal with one single lender. This is because each company or bank is offering attractive home loan features and benefits. Home loans ...
Views: 1660(1 vote) - Mortgage Foreclosure Crises: Causes, Effects & Justifications Unanswered - by Submitted on May 15, 2011 from Tony PhillipsOver the last two years there were many questions asked about what caused the mortgage meltdown and subsequent foreclosure crises. There was plenty of speculation to go around as well as a lot of blame and finger pointing towards certain groups of home buyers who supposedly bought homes they ...
Views: 1659(1 vote) - How Chapter 13 bankruptcy works - by Submitted on Jun 18, 2012 from Mark AalamIf you are facing a foreclosure of your home or have had your wages garnished by a creditor or by the IRS, Chapter 13 bankruptcy can be a great way to reorganize your financial affairs. Chapter 13 bankruptcy is type of reorganization bankruptcy, which means you repay some or all of your ...
Views: 1658 - Avoiding Foreclosure - by Submitted on Jun 11, 2010 from Bryan SullivanForeclosure is very common in this sagging economy. Whether it is a friend or family member, or someone who is renting a place where the owner is no longer able to afford the mortgage, it is nearly impossible to talk to anyone who hasn’t in some way been affected by it. As a bankruptcy ...
Views: 1657 - Dear Dr. Romance: Throughout the years, there has been financial infidelity - by Submitted on Sep 09, 2014 from Tina TessinaDear Dr. Romance: My husband and I have been married for over thirty years. Our children are grown. We own our home , but have a mortgage. Throughout the years, there has been financial infidelity: When we got married, my husband was evading bills from retail stores. I ...
Views: 1657 - What Budget System Should You Use For Financial Management? - by Submitted on Mar 05, 2013 from Samantha SeiffertA budget is not the easiest plan to follow. At the very least, it takes some time to get used to monitoring every penny that you spend on a daily and monthly basis. This is actually why some people are not enthusiastic in submitting themselves to these plans. Not only do they perceive it to be ...
Views: 1656(1 vote) - Why unsecured business loan is beneficial - by Submitted on Mar 27, 2020 from Arwind SharmaAs entrepreneurship is gaining a strong footing in the world with the passage of time, more and more 9 to 6 job workers are switching to become entrepreneurs. This has increased the need for more financial resources in order to support and encourage better opportunities for success and growth. ...
Views: 1656 - Help Your Small Business Get Out of Debt - by Submitted on Feb 04, 2013 from Samantha SeiffertGetting your small business out of debt requires a lot of planning, work and possibly significant changes in your company. For some entrepreneurs, they think that the only way for them to get out of debt is to immediately file for bankruptcy. But before you do that, your business may be worth ...
Views: 1649(2 votes) - Understanding Different Types of Debt: Good vs. Bad - by Submitted on Jun 11, 2012 from Jamie BushUnderstanding types of debt is crucial. Good debt is debt that you have that pays for itself. For example, a rental property or business that you own pays for the loan you took out for it; your money is not going into it. This is the defining line. Bad debt is just about any debt that most of us ...
Views: 1641 - How Will You Benefit From Credit Score Monitoring? - by Submitted on Jan 21, 2013 from Samantha SeiffertDid you know that monitoring your credit score can help you avoid financial problems in the future? In the same way that a temperature can help identify if you are sick or not, your credit score measures the health of your finances. So if you are in the process of repairing your financial ...
Views: 1638 - Can A Collection Agency Sue Me For Debt - How Do I Prevent Being Sued For Debt? - by Submitted on Oct 10, 2009 from Keith GarrowDebt collection agencies can sometimes be a bit over enthusiastic in their pursuit of an outstanding debt. It is not unheard of for a collector to threaten legal action just to scare you into paying up, rather than because they actually plan to take you to court. You can of course be sued for ...
Views: 1636(3 votes) - Does Paying Bills Late Really Hurt Your Credit? - by Submitted on Dec 05, 2017 from Shae HollandIt's a simple question: Does paying bills late really hurt your credit? The answer, however, is a little more complicated. Which bills? When banks look at your credit history to decide whether to loan you money, they're looking to see how well you handle the credit you already have. A ...
Views: 1631 - Creating Financial Freedom - by Submitted on Feb 03, 2010 from Candace CzarnyIt's the middle of the month and you are still struggling to pay the mortgage, car payment, and make sure the electric company doesn’t turn off your power. The kids need new clothes and shoes; the fridge is bare, and just once you want to be able to get through a month of bills without the ...
Views: 1630(1 vote) - How To Compare Balance Transfer Credit Cards - by Submitted on May 02, 2013 from Joshua RodriguezIn many cases, consumers are paying higher interest rates than they should and, they know it! In these cases, balance transfer credit cards may be a great option. These special cards allow consumers to transfer balances from other high interest rate credit cards and, consolidate multiple ...
Views: 1628 - Become Your Own Rescuer - by Submitted on Aug 30, 2009 from Peggy McCollWhen life's challenges feel all-consuming, it's only natural to yearn for rescue. You might cross your fingers, wish on a star, focus your intent, and hope with all your might that someone or something will swoop in and fix all your problems. Typically, people will look to a romantic partner or ...
Views: 1622(4 votes) - Caught in a Money Trap? Keep Reading. - by Submitted on Aug 31, 2010 from Mike PetersonAccording to a well-known proverb, “Insanity is doing the same thing in the same way and expecting a different outcome.” Same goes for financial matters. After all, there’s something a little crazy about falling into the same money traps over and over again (and expecting that, one day, things ...
Views: 1614(3 votes) - 4 Mistakes Young People Make And An Easy Way Out - by Submitted on May 31, 2016 from John McConnellThe phrase money is evil may not mean much when you are young, until you are in debts and you don’t know what to do. That is what’s happening to young people today. The fact that there is no financial education makes young people get out of college sinking deep in debts. And the sad fact ...
Views: 1613 - How You Can Write Off Debts - by Submitted on Jul 19, 2011 from Keith GarrowAre you having trouble keeping up with all the credit card payments that you have? Are you overextended and do not know what to do next? If you are not able to make the minimum payments on your credit cards there is help with debt that is available to you. Many people get credit cards and ...
Views: 1609 - Canada's New Car Negotiating Tool - by Submitted on May 08, 2011 from Joann burtonCanada's New Car Negotiating Tool Trusted by over 120,000 Canadians who have used the exclusive CarCostCanada Wholesale Invoice Price Report since 1999 to buy a new car at a low price, while saving time, money and aggravation. Car Cost Canada Membership Features & Benefits Wholesale ...
Views: 1599 - How to Read and Understand Your Credit Report - by Submitted on May 31, 2016 from John McConnellPersonal information Identifying information is just the basics, such as name, address and social security number. Look over this information to ensure it’s accurate because it is not unusual for there to be multiple spellings of your name or more than one Social Security Number. Your ...
Views: 1598 - Debt Written Off - Understanding How Debt Can Be Written Off - by Submitted on Aug 10, 2010 from Keith GarrowIn an economy which relies mostly on a credit system, you cannot help but depend on that tiny plastic card when paying for your purchases. If you're not careful, however, you might find yourself having more debt than your finances can actually handle. What if you find yourself in such a ...
Views: 1593(2 votes) - 4 Tips on How to Find the Right Lender - by Submitted on Sep 07, 2012 from Alexandra SmithToday, let us consider several tips you can use to improve your chances of finding, not just a suitable bad credit personal loan, but more importantly, a reputable lender. Request for referrals from your close friends, relatives and co-workers, most especially from those who have just ...
Views: 1592(1 vote)