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Debt and Debt Consolidation Articles
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- 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: 1641(1 vote) - Credit Card Companies Are “Quietly” Settling Credit Card Debts - by Submitted on Apr 16, 2010 from Marlon BaughAs the U.S. economy deteriorates and more and more consumers either lose their jobs or their hours are cut, they will no longer have the means to keep up with all of their credit card payments. A consumer at this stage will have to make a decision as to whether or not to put food on the table, ...
Views: 1794(1 vote) - Debt Collection Agencies – How to beat them in 1hr - by Submitted on Apr 08, 2011 from Andrew SellarIf you have unfortunately been in debt and had your debts sold to a debt collection agency, you will have no doubt been under stress and been bullied for what is now an epidemic in the UK debt industry. Buying in bulk debts from banks and other institutions for a small percentage and chasing you ...
Views: 5545(1 vote) - Debt Management – Lessen the burden of debts from your lives - by Submitted on Nov 13, 2009 from David JhonsonDebt is a common problem faced by almost every citizen of UK. However, the bigger mistake is when we tend to accumulate them thinking we could pay them with our next paycheque and the subsequent increment of debts. They ultimately become a burden and what we need then is the debt management. ...
Views: 760(1 vote) - Debt Settlement Companies and How to Choose One - by Submitted on Apr 16, 2010 from Marlon BaughFor consumers that are considering debt settlement as an option to get from under crushing credit card debt, then this article will cover some of the basics to help consumers make an educated decision when choosing a Debt Settlement Company. Unfortunately in the Debt Settlement arena, there ...
Views: 1597(1 vote) - Filing Bankruptcy Can Be an Opportunity - by Submitted on Jul 22, 2009 from Intent.com AuthorsI have several friends who suffer pretty badly from the current economic collapse. Some of them lost their homes, some got laid off, most of them were faced with the necessity of filing bankruptcy. When I listen to their stories there is sadness, fear and confusion in what they are saying, and ...
Views: 895(3 votes) - Financial Investment Planning Process to Get Started - by Submitted on May 19, 2010 from Lisa SmithInvesting your money is probably the best use of funds you own. However, if it is invested in various financial products without proper research, you can lose every thing you owe. Hence, the process of financial investment starts with effective planning and research. But you cannot start ...
Views: 836(1 vote) - Financial Management Habits to Keep You from Debt - by Submitted on Feb 11, 2013 from Samantha SeiffertIf you want to stay out of debt, all you need to do is to practice some financial management skills. The bottom line of managing your finances is to help you live within your means. Given the debts being acquired left and right, this is a necessary lifestyle to have. But the question is, what ...
Views: 1876(2 votes) - Get Me Out Of Debt!- Surefire Tactics For Debt Elimination - by Submitted on Apr 01, 2011 from Joseph HernandezIf you're in financial crisis while your debt has grown to be unmanageable, you're ready to try taking a little action and straighten out the scenario. Though your money is in chaos, you possibly can continue to do away with debt and restore control over your cash. However, you must find out the ...
Views: 712(1 vote) - Getting a Mortgage after Filing Bankruptcy - by Submitted on Dec 24, 2009 from JD KamatTo most of us the thought of filing for bankruptcy sounds so devastating and final. To file for bankruptcy is considered as throwing in the towel, giving up or calling it quits. This is cannot be further from the truth. A chapter 7 bankruptcy, which is the most common filing for bankruptcy, can ...
Views: 1485(1 vote) - 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: 1661(2 votes) - How to become prosperous more easily - by Submitted on Oct 28, 2010 from Gerry SavageConsistency is the key to financial management and therefore to becoming prosperous. There are no secrets or special formulae to gaining mastery over your finances. Just focussing now and again on keeping a financial record of your spending, is not going to cut it. The problem with ...
Views: 1057(1 vote) - How to Stop Foreclosure and Win the Financial Battle - by Submitted on Nov 02, 2010 from Tim WrickDid you know that thousands of people in America are facing foreclosure of their homes? Yes, that’s right! If you have been missing out on your mortgage payments and want to stop foreclosure and save your home, here are tips that are going to help you. If you are upside down in your ...
Views: 822(1 vote) - HOW TO STOP GAMBLING NOW: 10 Steps You Can Take To Stop Gambling Today - by Submitted on Dec 23, 2009 from J CWhen you absolutely must stop gambling right now, here are 10 steps you can take today. STEP 1: GET RID OF YOUR MONEY If you want to stop gambling right now, the first step begins by stopping to carry money. This includes credit cards, debit cards, access to bank accounts, checks, loans, ...
Views: 32903(3 votes) - Is Debt Keeping You Trapped - by Submitted on Nov 18, 2009 from Francis HoseinDebt keeps you trapped for years if not for life when you do not have a plan of action to get out. Men feel a sense of shame with debt for not being able to provide for their family and women fears for the family in general. One of the major causes of break up in families is debts, money ...
Views: 955(2 votes) - IVA Help and Advice – How to reduce your debts! - by Submitted on Nov 20, 2009 from David JhonsonDebt is one perennial problem that is being faced by someone at sometime or the other. You could be the next. In such a situation, it is vital you get the IVA (Individual Voluntary Arrangement) help and advice in order to help you control and manage your debts. While it will help you manage your ...
Views: 782(1 vote) - Know Your Rights Against Unfair Debt Collection Practices - by Submitted on Aug 21, 2013 from Larry SmithConsumers are being bombarded with attempts to collect old debts where the legal responsibility to pay the debt has been extinguished. Collectors attempt to coerce people to make payment on a debt that is too old to file a lawsuit against and too old to mention on a credit report. With no real ...
Views: 2046(1 vote) - Lower your Stress Level - Consolidate Debt - by Submitted on Dec 21, 2009 from Terro WhiteStress is one thing that can lead you to consolidate debt in the first place. The overwhelming feeling that you are never going to gain control over your finances could stress anyone out. Stress is bad on your body and can create other health problems if you do not take steps to get it under ...
Views: 2459(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: 1668(1 vote) - New Jersey Debt Settlement! Is it a Scam? - by Submitted on Feb 02, 2010 from steve bisOur great country has been experiencing a major economic downturn over the last couple of years causing millions of people to suffer financially and the state of New Jersey has been no exception. For New Jersey residents one of the worst financial problems many are dealing with is having to much ...
Views: 13457(1 vote) - Peace of Mind - by Submitted on Nov 30, 2009 from Byron PedersenThe IRS doesn't fool around. Everyone knows this. Whatever the reason for owing back taxes to the IRS, the important thing is to resolve the problem. Not only for financial reasons, but for your own peace of mind. Contrary to popular belief, you can negotiate with the IRS. Your tax problem may ...
Views: 1306(1 vote) - Reducing Liability - by Submitted on Feb 19, 2013 from maryellen digiacomoToday there are approximately 26.5 million small businesses in the United States – and over 92% of these businesses leverage personal credit and business credit in their business. Investment capital and trade credit is the lifeblood of a business and as a result small businesses are dependent on ...
Views: 1060(2 votes) - The Most Convenient Way To Financial Freedom – Ask For Debt Consolidation Quote Online - by Submitted on Nov 24, 2009 from Finance EnquiryDo you have huge credit card debt? Do you have too many pending bills but not enough money to pay for them? Are you tired of attending numerous pesky calls by creditors? Do you really want to come out of this mess and become debt free? If you answer to ‘yes’ to these questions, then it is time ...
Views: 898(2 votes) - Ways to Eliminate Debt - by Submitted on Apr 16, 2010 from Timothy McFarlinDebt is a problem that can spin out of control if it is not taken care of properly. As debt is allowed to grow, a person's ability to pay it down becomes considerably more difficult. While it is true that just making minimum monthly payments will eventually lead to a debt free life, debt can ...
Views: 1063(1 vote) - 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: 1670(1 vote) - Will Chapter 7 Bankruptcy Debt Forgiveness End My Consumer Debt? - by Submitted on Oct 03, 2011 from Vic ChevalierHaving too much debt is an impetus for seeking debt forgiveness through chapter 7 bankruptcy. But, can this "fresh start" decimate all of your consumer debt? Depending on your financial situation, this get out of debt solution can keep you out in the cold. You may be better off exploring other ...
Views: 1450(1 vote) - Your Credit Score Is Important - by Submitted on Jan 19, 2010 from Kevin LynchUnfortunately, your credit score is one of the most vital numbers in your life. Credit reports are now being used not only for ascertaining your aptitude to pay back credit but as well for whether you are a high risk for insurance purposes and even for jobs. On the other hand, in this ...
Views: 1001(1 vote) - Stop a Tax Levy by Entering into an Installment Agreement - by Submitted on Sep 17, 2009 from Matt RobinsonSo you need to stop a tax levy? This is a difficult situation to be in. It means that you owe the IRS money, but have not decided to pay them or even attempt to do so. There are many ways to stop a tax levy which include bank levies, wage levies (often called wage garnishment) and so on. Some of ...
Views: 1209(3 votes) - Top 3 Ways To Know Whether Your Home Loan Modification Company Is Legitimate - by Submitted on May 28, 2010 from Krista ScruggsLoan modification—the process of restructuring a mortgage or other loan in order to reduce the monthly repayment required of the borrower—has gained popularity in recent years due to the failure of the housing market and the spike of mortgage defaults. As the need for this service has grown, ...
Views: 1328(3 votes) - A Judgment Has Been Entered Against Me. What Happens Now? - by Submitted on May 29, 2009 from Gordon LevinsonOnce a creditor has obtained a judgment against you, chances are they will likely attempt to enforce it. There are many collection tools available in this regard depending on whether collection is sought against a business or individual. The following are the most common ways a judgment ...
Views: 13526(2 votes) - Bankruptcy - How To Succeed 4 - by Submitted on Dec 02, 2009 from Peter RadfordGeographical Interpretations Australia Continued There are normally two principal sources from which funds can be realised, viz. the assets and wages of the bankrupt. However, the bankrupt is granted the facility whereby certain assets are set aside and their value cannot be realised. ...
Views: 1277(2 votes) - Business Tip: Building Your Cash Reserves - by Submitted on Dec 01, 2009 from Barbara PhillipsCertainly you have heard from financial experts that you should have a three month cash reserves at all times. The premise behind this is to protect you should you get sick, loose or job or have unexpected expenses crop up. This is even more important for your business. In fact, three months ...
Views: 1171(2 votes) - 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: 1731(2 votes) - Can I file bankruptcy again? - by Submitted on Oct 22, 2009 from JD KamatFinances dwindle throughout the life. It is likely that you face a situation in life where you have no money to pay back your loans. In such a situation, you can declare yourself bankrupt and file for bankruptcy. This was one instance. What if this situation arises again in your life? You would ...
Views: 1099(2 votes) - Carmakers: What They’re Doing in China Now - by Submitted on Jun 19, 2012 from Michael LNapoleon once said, “Let China sleep, for when she wakes she will shake the world.” We must appreciate Napoleon‘s wise foresight. China’s growth since 1979 is proving Napoleon’s every word. Today China has surpassed Japan as second largest economy and giving US the largest economy of the world ...
Views: 1015(1 vote) - Commercial Real Estate Liquidation Auction. - by Submitted on Jun 01, 2012 from Auto SeedsbankIt is widely known that the large “auction mills”, which regularly run auctions of hundreds or thousands of properties through their process, actually close on only 20% to 30% of them. Almost every bidder at one of these “auction mill” auctions is countered some 2 to 3 weeks later at a higher ...
Views: 3421(1 vote) - Debt free: Ask for help to solve your financial issues - by Submitted on Sep 15, 2009 from Vicky TalrejaThe debt free program is another quick and efficient alternate for debt solution which comes to you for your experience. Most of these programs are built up to fit into any type of debt without concerning the seriousness of it. When the borrower buy this debt policy it is required to attach all ...
Views: 764(1 vote) - Debt Settlement made Simple - by Submitted on Sep 10, 2010 from Jeffrey JonesDebt settlement companies are everywhere. If there is that many then the service must work and it must not be that hard, right? Well in this case it does work and it is not that hard. The problem is that the debt settlement companies charge 15% of your total debt, not 15% of what they save you ...
Views: 1437(1 vote) - 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: 1713(1 vote) - Getting Up Close and Personal with Your Credit Score - by Submitted on Aug 11, 2009 from Krista ScruggsDo you know what your credit score says about you? Undoubtedly you are quite familiar with the need for having a credit report devoid of bad notations, such as missed payments or repossessions, but how the scores are actually interpreted might not be as easily ascertainable as you thought. ...
Views: 897(2 votes) - How to Calculate Percent Error. - by Submitted on Nov 02, 2019 from Kale JeffTry this percent error calculator. Sometimes, Individuals attempt to gauge the worth of This specific Volume by generating perennial measurements. By way of example, we are in a position to choose to learn what really is the circadian rhythm by simply quantifying at the stage of free autumn ...
Views: 734(1 vote) - How To Make A Frugal Budget - by Submitted on Mar 26, 2013 from Samantha SeiffertSubmitting to a budget can prove to be life changing. It can literally alter how you live every day because of the expenses that you have to let go or change. The usual scenario for a budget is to make sure you spend less and some people are hesitant to go about this change because of it. ...
Views: 1918(1 vote) - Moving On After Bankruptcy - by Submitted on Jul 08, 2009 from Menno SpijkstraWhen talking about bankruptcy, people tend to avoid that very situation. They wouldn’t want to entertain that idea very on their mind. Even in the midst of a big financial crisis in their lives, bankruptcy is the least option. They would rather think about other means just not to get bankrupt. ...
Views: 2728(2 votes) - Tips To Minimize Your Grocery Expenses - by Submitted on Mar 04, 2013 from Samantha SeiffertBudgeting is one of the key aspects in proper financial management. It does not matter if you were forced to budget because of your debt or a looming purchase that requires a huge amount of savings. Financial management is important to make sure you have a healthy household wealth. Part of ...
Views: 1600(1 vote) - 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: 1680(3 votes) - 4 Tips to Help with Loan Modification and Avoid Foreclosure - by Submitted on Oct 25, 2010 from Jeremy SelbIf you are facing financial problems due to the recent recession you may be in need of loan modification to help you deal with it. Loan modification is a safe way to get you back on top of your financial situation and quite possibly save you from the foreclosure process. Many people have lost ...
Views: 1195(4 votes) - Easy Solutions For Foreclosure - by Submitted on Oct 25, 2010 from Jeremy SelbWith our economy and the real estate crash to many people are familiar with the word foreclosure. This phenomonon has not ended, people are getting foreclosure notices still today. When you experience this process you tend to learn the things that could have been done but of course it is to ...
Views: 1274(4 votes) - How To Get Out Of Debt On Your Own: 3 Simple Tips To Be Debt Free Fast - by Submitted on Oct 10, 2009 from Michael LeeIf only debts could be whisked away with just a wave of your hand. Unfortunately, life is not a fairytale. You won’t always have a fairy godmother (or in most cases, your actual parents) to bail you out. Sooner or later, you’re going to have to learn how to get out of debt on your own. Now, ...
Views: 2097(2 votes) - Money Making Tips- Necessary for Survival - by Submitted on Oct 01, 2009 from Willam BlackYou want money to earn bread and butter for your sustenance and survival in this world. For earning livelihood you need to choose a suitable ways for it. Technology has developed to great extents that have made the everyday life of people much faster. You can earn bad credit loans indulging ...
Views: 729(2 votes)