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Debt and Debt Consolidation Articles
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- How to secure Bad Credit Debt Help - by Submitted on Aug 18, 2010 from Wendi RogersBad credit debt help is the best way to go when you are unable to fulfill your credit repayment obligations. You will understand managing the debt while salvaging your reputation. You are given a chance to renegotiate and do ruinous debt counseling and debt settlement. However, each has its ...
Views: 1309 - Consumer Debt Collection Companies Won’t Bother You Again - by Submitted on Feb 03, 2011 from Joseph HernandezWhen an individual in debt does not pay, the creditor may sell that debt to a consumer debt collection company. Debt collectors will then contact the individual who owed the money and try to get payment on the debt. In the past, debt collectors may have used unfair and abusive tactics in pursuit ...
Views: 1305 - Top 7 Mistakes to Avoid When Paying for College - by Submitted on Apr 28, 2009 from Bonnie Snyder#1: Relying on the financial aid office. Financial aid officers work for the college, not for you. Enough said. #2: Not planning ahead. By the time you are in the college financial aid office, it’s too late to make necessary changes to your taxes and asset allocation to affect your aid ...
Views: 1305 - Shops – What to do when a Company goes Bust - by Submitted on Feb 13, 2011 from Andrew SellarIn this testing period for our economy, we are hearing more and more horror stories of businesses taking your money and subsequently going bust. From the wedding day present organiser to online fashion retailers. However, how can you protect yourself and what do you do if this ever affects ...
Views: 1299 - Personal Financial Statement – Advice On How To Produce One - by Submitted on Sep 28, 2010 from Keith GarrowThere are times when no matter how tight a rein you put on using your credit card, your debts still pile up one after another. If you find yourself desperately transferring credit card balances or figuring out how much minimum payment to make on each credit account, you might be in more debt ...
Views: 1296(2 votes) - 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: 1295(1 vote) - How Could The New Debt Settlement Law Help Consumers? - by Submitted on Mar 26, 2011 from Cole CollinsAfter the recent interdiction against the country’s most extensive debt settlement negotiation firm set in motion by the Oregon Attorney General – officially banning the Credit Solutions of America Corporation from soliciting additional business within the state for three years and further ...
Views: 1294 - Reduce Credit Card Debt The DIY Way - by Submitted on May 08, 2012 from Brian FarrellIf your credit card debts are getting out of control then maybe you have considered ways to reduce credit card debt. There are a variety of debt relief options which include credit card debt settlement, credit card debt consolidation, and for the really hard up, there is of course bankruptcy. ...
Views: 1294 - Secrets for Successful Debt Consolidation - by Submitted on Oct 27, 2006 from Matt MitchellDebt consolidation is a way to collect all your individual debts and lump them into a single loan. It works well to combine overdraft, credit card, and automobile loans. By consolidating your debt you only make one payment to one creditor. Usually, you can negotiate better terms, a lower ...
Views: 1294 - Celebrity Debts - by Submitted on Sep 18, 2012 from Rubel ZamanFalling into debt is something that nobody is exempt from. Not even the rich and famous. Trying to escape from your debts is a major offence that can land you with a serious jail term if convicted. Just ask these famous faces whose debts caused them to fall foul of the legal system. Martha ...
Views: 1293 - Why People Pay Taxes While They're Able To Merely Create Money Out of Thin Air - by Submitted on Feb 17, 2013 from Takeshi YashimaI find extremely interesting post asking following question on my wall in facebook. That's, "Why People Pay Taxes While they can Simply print money out of thin air?" This is very great point... Everyone, I am talking about everybody have to at the very least look at the reason why this ...
Views: 1290 - Debt, Divorce And Determination - by Submitted on Dec 10, 2007 from Patti HandyAs if dealing with the emotional roller coaster of divorce isn’t enough, the debt and financial challenges that go along with it, can frighten even the strongest of souls. Although it can be a very confusing time, there are some simple steps you can take to keep debt in check. Take things one ...
Views: 1289 - Financial Ombudsman Service and DMP complaints - by Submitted on Feb 20, 2012 from Charlie MaineThe Financial Ombudsman Service (FOS) provides an independent service dedicated to ensuring debt management advisors function based on best practice. Their service mainly comprises journeying across the UK to talk about topical issues with business owners; as well as producing a periodic ...
Views: 1284 - The Slow Rehabilitation Of Michael Vick In Atlantans' Hearts: Moral Debt Relief Is A Game Of Inches - by Submitted on Jan 21, 2011 from Cole CollinsAlthough true Atlanta Falcons' fans would never admit any sort of unconscious satisfaction to be found from last Saturday's thorough trouncing at the hands of the Green Bay Packers, the defeat on consecutive weekends of the Eagles and Falcons in National Football League playoff games did at ...
Views: 1283 - Are You Over Spending to Relief Your Pain - by Submitted on Jan 17, 2010 from Francis HoseinYou maybe overspending and not realize that you have been doing this to relief something that has been bothering you. As you read further you will discover new ways of understanding to your overspending. Emotions Buying is not only a need that you have like eating otherwise you will ...
Views: 1282 - How Do I Consolidate My Debts If I Can't Afford The Monthly Payment? - by Submitted on Aug 28, 2009 from Keith GarrowDebt consolidation is a widely understood process which involves consolidating a lot of existing debts into a single monthly payment. In the UK, consolidation is generally understood to involve taking out a debt consolidation loan to pay off the old debts, but in the US the term means the same ...
Views: 1282(7 votes) - What Happens When Someone Acquires Your Debt - by Submitted on May 30, 2012 from Lance PetersWhether you have a longtime outstanding debt or a relatively more recent one, it is not uncommon to find that your debt may be acquired by an entirely new creditor. This can take place for a number of reasons, but the changes that occur when it does happen may not be as drastic as you think. ...
Views: 1282 - Go On A Debt Diet to Achieve Financial Freedom - by Submitted on Jan 02, 2013 from Samantha SeiffertIf you want to achieve financial freedom, you may want to adapt the same principles as getting your ideal weight. If you think about it, they are both hard, require discipline and a lifestyle makeover to maintain a debt free life. When you go on a debt diet, you need to decide for yourself ...
Views: 1281(1 vote) - Why Financial Freedom is a Team Effort - by Submitted on Jan 02, 2013 from Samantha SeiffertHave you ever struggled to accept the debts of a spouse or a family member? With the onslaught of financial problems during the recession, a lot of marriages failed and families were permanently destroyed because of debt. It is quite unfair that the whole family has to suffer just because your ...
Views: 1281(1 vote) - What is the Difference Between Chapter 7 and Chapter 13? - by Submitted on May 29, 2009 from Gordon LevinsonThe difference between these two chapters of the Bankruptcy Code and their time lines are as follows: Chapter 7: Also called a “straight bankruptcy”, chapter 7 involves the liquidation of non-exempt assets for the benefit of creditors. Most chapter 7 cases are considered “no asset” cases ...
Views: 1280 - Free Advice On Debt – Tips To Reduce What You Owe - by Submitted on Oct 24, 2012 from Adam TijerinaToday, thousands of people owe money to various lending institutions. That number is growing at a very fast rate. The sad part is that over half of them are unable to repay their debts; hence, they turn to debt management agencies for assistance. If you cannot afford the fees charged by the ...
Views: 1279 - Examining the Drawbacks of Bankruptcy - by Submitted on Apr 14, 2009 from Krista ScruggsIn the past, consumers with too much unsecured loan debt – usually credit card debt – relied on bankruptcy to shed this indebtedness virtually overnight. The federal bankruptcy court would liquidate all of their assets, which were usually quite negligible, and also absolve their outstanding loan ...
Views: 1278 - IVA Or Bankruptcy – The Pros And Cons Of Each Option - by Submitted on Sep 11, 2011 from Keith GarrowFor people in the UK filing for bankruptcy may not be your only option for getting out of serious debt. If you have steady employment and can afford to pay a modest amount each month to pay towards your debts you can get an IVA. This stands for an individual voluntary arrangement, which is an ...
Views: 1277 - 10 Money-Saving Tips to Make Debt Settlement Easier - by Submitted on Jan 30, 2012 from Gregory DeVictorDebt settlement allows you to settle your debts, making one low monthly payment, and to get out of debt in a shorter amount of time than by paying back your balances in full. With debt settlement, the savings are often greater than with debt consolidation. While credit card debt can be expensive ...
Views: 1276 - Bankruptcy Debt Help – Advice On Using Bankruptcy For Debt Problems - by Submitted on Dec 13, 2010 from Keith GarrowAlthough there are many debts settlement companies that can help you to reduce your debt you may find that you need to actually go one step further and file for a chapter 7 or chapter 13 bankruptcy. In the US debt settlement is really the only alternative to bankruptcy so if you cannot make ...
Views: 1276(1 vote) - Debt Settlement Program - Understanding Debt Settlement - by Submitted on Nov 04, 2010 from Keith GarrowNegotiating with creditors to write off a large part of your debts is one of the only ways to deal with really serious debt situations. The only alternative to this being bankruptcy. By using the right expertise you will be able to agree on a good debt settlement program that suits your ...
Views: 1276(2 votes) - Businesses and Debt Management - by Submitted on Jun 09, 2012 from johnson paulMost of the business owners need financial help to conduct their business whether it's on a large scale or a small scale. Financing arrangements in the form of unsecured/secured loans is a frequently used method for meeting business operations and expanding its diameter. Now repayments of these ...
Views: 1275 - Can Consumers Fight Back Against Credit Fraud? - by Submitted on Jun 14, 2011 from Gary SpencerIn this age of information, credit fraud is not a difficult crime to perpetrate. The idea that a thief could gain access to your account information or personal data is not as implausible as you might think--social security number misuse has increased over the last two years, resulting in a ...
Views: 1274 - Reclaim £’s in Council Tax – In Just 10mins - by Submitted on Feb 13, 2011 from Andrew SellarHow? This goes back to the New Tory council tax system from 1991 where they needed every house to be put in a valuation band. Problem was the limited time, they had to complete such a task, so the government recruited local help including estate agents. This in turn created the inevitable. A ...
Views: 1273 - Couple Uses Free Credit Counseling and Eliminates $92,000 in Credit Card Debt - by Submitted on Sep 30, 2011 from Ben JovenIt would seem like everybody is in credit card debt these days. From entire countries like the US, Italy and The country of Greece, to your average American individual on the block, everyone is overextended and looking for their “bail out”. Your average American is walking around with over $15, ...
Views: 1272 - Lying Credit Repair Companies - by Submitted on May 02, 2007 from dale mazurekIn this article I hope to get you seeing that everything isn’t always as it claims. There are hundreds and thousands of companies who claim to be able to repair your credit so that nothing negative shows on it. Well let’s just have a look. These companies advertise as “Credit Advisors”, ...
Views: 1272 - Do it Yourself Bankruptcy - Everything you should Know - by Submitted on Jan 14, 2011 from Kali McCarthy"Don't pay attention to anybody who lets you know he handled his own bankruptcy and everything went perfectly." says mcdougal of a book on bankruptcy. The author says that, as they just wants one to buy his book. I filed for bankruptcy myself in 2007, and everything went perfectly, and that i ...
Views: 1270 - What Are No Money down Car Loans - by Submitted on Jun 25, 2012 from Renee LernerWhen car loans are usually taken after making first payment would you even know how much you can save on a person's eye obligations? Down payments are an essential part from the car loan. Yet you can find lower income earners or even some who would desire to obtain a car but have got little ...
Views: 1270 - 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: 1269(2 votes) - Benefits of a Debt Management Plan - by Submitted on Jul 17, 2012 from colin slaterThere are many people finding it very difficult with their finances today more than there has ever been. In these unbalanced times, it is best that all your financial issues are under the best of control so that you do not end up surrounding yourself with debts that might swallow you up. There ...
Views: 1268 - Debt Problems? Try Out This Suggested Solutions! - by Submitted on Feb 28, 2017 from Stephen YostIf you are struggling with debt problems, you are not alone. More and more people are receiving into debt every month by spending more than they are generating. It is a simple fact, but one that has caught out many thousands. The solution should be an easy one: Quit spending! The fact is, ...
Views: 1268 - Debt Settlement Programs versus Debt Counseling - by Submitted on Aug 13, 2007 from steve bisTwo of the most common forms of debt relief are debt settlement and credit counseling, sometimes referred to as debt counseling. While many people have heard of these debt relief methods most do not know what they are or what the differences between the two are. I often get asked which is ...
Views: 1267 - Christian Debt Counselling - Advice On Debt Counselling For Christians - by Submitted on May 26, 2012 from Keith GarrowThere are times when the idea of making ends meet financially just seems to have become impossible. Perhaps credit card repayments have become too much to handle or you have large medical bills which have ruined your budget. For committed Christians, it is at times like these when you may well ...
Views: 1266 - Help Filing Bankruptcy In Michigan - by Submitted on May 29, 2012 from Kevin GermainHave you recently been put out of a job because your company is downsizing and eliminating positions? Are you facing a wall of debt that you are unable to conquer? Is your financial situation something that makes you feel vulnerable and uncertain? If you are not able to pay off your debts or ...
Views: 1265 - 3 questions to effective wealth management - by Submitted on Jun 18, 2011 from Shakti PradhanJust three questions to yourself can change the way you manage your money. Many people don't know about the money trap existing in their daily life,they start by buying a few luxuries,pay their installments and proceed buying the next ones,and this goes on each year,and they never realize ...
Views: 1265 - 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: 1265(4 votes) - Credit Card Act of 2009 - by Submitted on Aug 06, 2009 from Jack CravenThe Credit Card Act of 2009 is an amendment to the Truth In Lending Act (TILA) of 1968. The TILA is a federal law that is designed to protect consumers in transactions by requiring clear disclosure of key lending terms along with all associated costs in obtaining credit. The purpose of the ...
Views: 1264(1 vote) - Things to consider when trying to get out of debt! - by Submitted on Nov 02, 2007 from Denise RichardsonOn a daily basis, consumers are barraged by offerings from companies claiming they can turn their dismal credit histories around and help them achieve higher credit scores. For a fee, they promise to clean up a consumer’s credit report so they can obtain a car loan, a home mortgage or ...
Views: 1264 - Free Debt Consolidation Service Get Out Of Debt Fast - by Submitted on Oct 06, 2012 from Leon VisagieFree debt consolidation service programs exist to help consumers whose bills are snowing them under get out from under the burden of debt. The way these programs work is that you turn all of your bills over to them and they pay the bills. You just make one payment to them and they take care of ...
Views: 1262 - Bankruptcy - How To Succeed 5 - by Submitted on Dec 10, 2009 from Peter RadfordGeographical Interpretations Brazil In the case of Brazil, the Bankruptcy Law applies solely to private companies. However, there are a few specified categories that are deemed to constitute an exception, and these include: Financial institutions, credit cooperatives, those designated as ...
Views: 1261(1 vote) - How does debt consolidation help? - by Submitted on Jul 29, 2009 from Jason HolmesIf you have lots of debt that you cannot fix and you ask yourself "Is debt consolidation good?" the answer is 'yes'. Debt consolidation helps you by combining your multiple debts and paying them off regularly as one single payment. There are several ways in which you can get your debt ...
Views: 1260 - How Debt Should Not Stunt Personal Growth - by Submitted on Jan 14, 2013 from Samantha SeiffertIf there is anything that the recent recession taught us, it is the fact that money is not the main marker for happiness, even though it does have a hand in helping us grow. It is true that personal growth is quite important for anyone who wants to enjoy life. You all heard it before, how ...
Views: 1259(2 votes) - Consumer Debt Relief Programs May Reduce Your Debt Up To 75% - by Submitted on Feb 03, 2011 from Joseph HernandezThe reason why consumers are showing more interest in the consumer debt relief programs is because of the current economic uncertainty. More and more consumers are struggling just to be financially afloat. Debt is taking a huge toll on personal finances and the majority of this debt is due to ...
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