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Debt and Debt Consolidation Articles
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- Exactly How Newbies Improve Credit Score - by Submitted on Jan 22, 2012 from faye bryantIf you just purchase goods with cash you may not have very high credit ratings. You will need to improve your credit score before lenders will give you financing. The following are the ways to improve your credit score properly. Opening a bank account is one way to show the lending company ...
Views: 1863 - The Best Way To Eliminate Credit Card Debt - by Submitted on Jan 22, 2012 from Joseph HernandezAre you curious as to what is the best way to eliminate credit card debt? Well, you’re not the only one. If you can’t pay-off your monthly liabilities entirely on your own, or send payments well above the minimum required, then debt negotiation (also referred to as debt elimination) is the most ...
Views: 1321 - Credit Card Debt Relief-Do You Know Your Options - by Submitted on Jan 22, 2012 from Michael LenzThere are a number of ways for any consumer to get credit card debt relief if you just know the most common methods being used. Typically this would be debt consolidation, credit counseling, debt settlement and bankruptcy. So if you are experiencing some type of financial difficulties then stay ...
Views: 1059 - 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: 1267 - "Identity Theft Is A Like A Bad Dream That Never Seems To End" - by Submitted on Jan 22, 2012 from joseph hernandezIdentity theft is a growing problem. Millions of Americans become victims each year. Identity theft occurs when an individual steals your personal information. e.g., social security number, banking info, etc., for criminal purposes. Millions of people become victims each year. Due to the ...
Views: 865 - Debt Collection Strategies To Eliminate The Harassment - by Submitted on Jan 22, 2012 from Joseph HernandezDebt collectors have a bad reputation-rightfully so. Many of them take advantage of the fact that most Americans are unfamiliar with the various debt collection strategies that are available. In order to collect a debt, many debt collectors will lie, misrepresent facts, or commit fraud in ...
Views: 1133 - Your Best Debt Relief Option May Surprise You - by Submitted on Jan 22, 2012 from joseph hernandezI know it can be confusing which debt elimination program or strategy to choose. This article illustrates the differences between the various alternatives. The best debt relief option available to you depends mostly on the amount of your debt you carry and if you have the funds to reduce the ...
Views: 858 - "If You Stop Paying Your Credit Cards can You get Sued?" - by Submitted on Jan 22, 2012 from joseph hernandezIf you stop paying your credit cards, it is possible, but highly unlikely if you have a lot of unsecured debt(e.g. credit card, medical bills, collection/charge-offs). Creditors and debt collectors of unsecured debt do have a right to pursue legal action to collect an unpaid debt. However, ...
Views: 988 - "The Truth About Debt- What Will Happen If I Stop Making Payments?" - by Submitted on Jan 22, 2012 from joseph hernandezSome of us that carry an excessive amount of debt simply stop making payments- however, the debt collectors won't simply disappear. Most of them will do everything in their power to collect a debt. And consequently, your credit will be ruined up to 10 years! On a sub-conscious level, it's ...
Views: 723 - Debt Relief- Steps to Financial Freedom - by Submitted on Jan 16, 2012 from craigz zimmermanDebt is an obligation, which is owed by the debtor to the creditor. There are multiple factors that lead individuals into debt. One of the major causes is the poor money management and reduced income. With economic crisis in the USA, there are several professionals facing the issues of debt. ...
Views: 886 - Advantages and Disadvantages of Debit Cards - by Submitted on Jan 13, 2012 from Sara PetersonSome of the advantages and disadvantages of debit cards are as follows- Advantages- 1.Any consumer who is not credit worthy or finds it difficult to obtain a credit card can more easily apply a debit card, allowing to make plastic transactions. 2.The debit card user can use the limited ...
Views: 7781(1 vote) - Why Good Credit Score? - by Submitted on Jun 12, 2013 from Nelson ChenThis article show you the reasons Why Good Credit Score is important. How to have good credit score? You maybe curious Why Good Credit Score is important to you? Most of us need to have good credit score in now or in future. Maintain good credit score is important for you and good credit ...
Views: 958 - How Debt Settlement Affects Credit Report - by Submitted on Jan 10, 2012 from joy maliYou may be thinking about debt settlement so you can get rid of the burden but before you make that move, consider the consequences associated with it.It is true that you are concerned with settling your debt in order to have a flawless credit report but before you take any step in this ...
Views: 808 - Action and Reaction on Credit Card Rates and Fees - by Submitted on Dec 29, 2011 from Treena AlmasiThe Obama Administration has made several announcements detailing the purview of the Consumer Financial Protection Agency, a new agency which would regulate the credit card and mortgage industries. The President recently sent the guidelines, which would regulate the fees, terms, and interest ...
Views: 764 - Banks aren’t tightening in one Area - by Submitted on Dec 29, 2011 from Treena AlmasiDue to losses in banking activities across the board, and in credit cards specifically, banks have been tightening lending standards, lowering credit limits, and raising fees wherever they can. Other factors for credit card issuers are the enactment of The Credit Card Accountability, ...
Views: 785 - Banks Start Tapping Their Best Clients - by Submitted on Dec 29, 2011 from Treena AlmasiBack before the implosion of subprime mortgages poked a hole in the real estate bubble, credit card holders with impeccable accounts and high credit scores either cruised along with fixed rates on balances or no interest charges at all if they paid off their balances monthly. That is all about ...
Views: 735 - Card Holder’s Bill of Rights Passes House Vote - by Submitted on Dec 29, 2011 from Treena AlmasiReacting to the massive outcry from credit card holders across the country, The House of Representatives passed The Card Holder’s Bill of Rights which prohibits the types of sudden interest rate hikes and exorbitant fees commonly charged by credit card companies. The bill passed in a landslide ...
Views: 769 - The Brave New World of Credit Cards - by Submitted on Dec 29, 2011 from Treena AlmasiAs credit card holders’ struggles with payments on credit cards continue to increase the environment looks like it will only get tougher, particularly those with infractions and/or low credit scores. Due to increased losses from chargeoffs, companies are moving away from fixed rates, raising ...
Views: 784 - The Choice between Bankruptcy and Debt Settlement - by Submitted on Dec 29, 2011 from Treena AlmasiAs credit card issuers continue to raise fees, interest rates and payment requirements a growing number of struggling card holders are being force to consider options for debt relief. For many, the choice can come down to two options; bankruptcy and debt settlement. Each has advantages depending ...
Views: 1025 - The Credit CARD Act Opens for Business - by Submitted on Dec 29, 2011 from Treena AlmasiStarting this week the first phase of the Credit Card Accountability, Responsibility and Disclosure Act (The Credit CARD Act) goes into effect, requiring issuers give card holders 45 days' notice prior to raising their interest rate or making other material changes to other terms in the card’s ...
Views: 721 - They Warned US (and the Fed’s Aren’t Coming to Rescue) - by Submitted on Dec 29, 2011 from Treena AlmasiAfter lobbying aggressively against its passage credit card issuers gave two warnings about the Credit Card Accountability, Responsibility and Disclosure Act of 2009; that interest rates on their cards would have to increase and that the availability of credit would diminish. On May 22, 2009, ...
Views: 666 - Time to Read the Small Print Coming from Your Credit Card Company - by Submitted on Dec 29, 2011 from Treena AlmasiStarting August 20th one of the main provisions in the bill President Obama signed in May goes into effect. While most provisions in the Credit Card Accountability, Responsibility and Disclosure Act don't take effect until next year, the advance notice requirement is part of the first phase of ...
Views: 711 - Who is the Credit CARD Act Trying to Help? - by Submitted on Dec 29, 2011 from Treena AlmasiA new survey by the New York-based nonprofit research and advocacy group Demos shows that before the mortgage meltdown got into its full swing and the economy went deep into recession, Americans in low and middle income brackets were using their credit cards to cover basic living expenses, ...
Views: 688 - Three Ways to Mess up Your Debt Settlement - by Submitted on Dec 29, 2011 from Treena AlmasiDebt ratios for consumers across the country are at historic highs in terms of debt versus income, as a percentage of the Gross Domestic Product, and as a result, a record number of consumers are seeking debt relief in the form of debt settlement, debt consolidation, debt counseling, and ...
Views: 689 - Get Fast Funds, Repay in Easy Installments - by Submitted on Dec 23, 2011 from Deepak TiggaThe salaried people are worst hit by the urgent financial crisis since they are dependant on their monthly salary for just about everything. Their only source of income is their salary that comes at the end of the month. There would be hardly anyone in the UK who would not have taken any loans. ...
Views: 893 - Avoiding Bankruptcy Fraud - by Submitted on Dec 22, 2011 from John CollingsworthDo not run up your debts in excess just prior to filing for bankruptcy. This might seem hard to do; after all you are filing for bankruptcy because you don’t have enough money to make your ends meet. Common sense would tell you that the longer you are in debt, the more debt you will accumulate ...
Views: 1326 - Are Debt Consolidation and Credit Repair Complementary - by Submitted on Dec 22, 2011 from Kevin JeffersMany aspirant borrowers fail to get the desired financial assistance from the banks and other financial institutions because of the fact that they have bad credit record. Some of such people try to escape the problems of bad credit record using the process of debt consolidation. But the ...
Views: 1227 - Developing a Personal Financial Plan and getting ahead. - by Submitted on Dec 22, 2011 from Casey KepleyIn today's economy it is more important than ever to have a personal financial plan and manage your money. Having a financial plan that fits your financial life style can help you obtain the direction you want and help you manage your finances and achieve your financial goals in life. Do you ...
Views: 934 - Canada Revenue Agency Income Tax Debt and You - by Submitted on Dec 22, 2011 from Michael GoldenbergCanada Revenue Agency income tax debt can be crippling when your payments fall behind. Interest and penalties accrue at an alarming rate, and what starts off as a small debt can grow into something a lot more difficult to pay. Income tax debt is much more serious than other types of debt ...
Views: 1058 - Debt Collectors - Dozen Guidelines Concerning How To Stop And Manage Your Credit Card Debt Collectors - by Submitted on Dec 22, 2011 from Buddy WendellThe best practice demands you to contact more deny/dispute/debt validation for any type of poor recorded validation sent by the collector. The practice of collecting documents regarding your credit debt (e.g. debt validation letter), and what the debt collection agency should do in response ...
Views: 757 - How Money Becomes Unclaimed - by Submitted on Dec 22, 2011 from Nicole AndersonUnclaimed money is definitely real. Money, or any type of property, can become unclaimed or abandoned in many ways. Some may have forgot about their bank accounts due to sudden change in address or change in employment. People often tend to lose track of their earnings when situations like ...
Views: 876 - One Major Rule For Avoiding Hardship in a Recession - by Submitted on Dec 22, 2011 from Daniel LarsenNo, I’m not talking about hiding your money under a mattress or stocking up on ammo and canned goods before moving to a self-sustaining farm to live out your days. Those types of “alternative investments” may appeal to some but are not realistic or desirable options for most people. Nor am I ...
Views: 859 - Divorce and Credit: 6 Tips to Prevent Joint Accounts from Ruining Your Credit and Delaying Your Next Home Mortgage - by Submitted on Dec 22, 2011 from E. G. PearsonJoint accounts are the biggest problem in a divorce. If the judge assigns an account and its debt to one side, then the other side is no longer legally responsible for the debt; however, since they originally agreed to pay, it can still be reported on their credit report. Keep in mind, it's ...
Views: 756 - How to Get IVA Advice - by Submitted on Dec 22, 2011 from Mona MalikIVA advice seems to be all over the place these days; if you're in a position where you require debt management help you are probable to have spotted this. But not all IVA advice ought to be believed. Find out the reasons that you have to be cautious when receiving IVA advice, and find out the ...
Views: 832 - Congress Debt Talks Fall Short Again - by Submitted on Dec 22, 2011 from Sara WatersThe debt talks Congress has held as a result of the failure to meet the debt ceiling deadline over the summer have failed at their intended purpose of creating a deficit agreement. Lawmakers have reached a standstill and much of the talks have devolved into partisan bickering. If the talks don’t ...
Views: 810 - Processing of Visa Cards is Carried out Electronically - by Submitted on Dec 22, 2011 from John ThompsonIn the event you would like to accept visa cards for your enterprise, you're going to require to get a business account. Fundamentally , this can be a contract created between you and also the bank for you to become given a credit line. With out it, your clients will need to pay you thru other ...
Views: 850 - What are the chances of being sued for a delinquent account? - by Submitted on Dec 22, 2011 from Jason HolmesProblem: I have always been current on my accounts. However, things changed after I lost my job in October 2010. I have not been able to make payments on the Amex card and the Chase card since then. I planned to pay off my debts after securing a job. I told the same thing to my creditors ...
Views: 1219 - Financial Evolution Of The Pounds Till Payday Phenomenon - by Submitted on Dec 22, 2011 from greg hanssPayday loans UK market has grown since 2008 with an incredible speed. Financial experts explained that this booming came from several reasons: • Financial crisis • Impulsive paper work requested for a normal credit • Growing utility for virtual pounds • Evolution of online ...
Views: 1365 - How to Avoid Filing Bankruptcy - by Submitted on Dec 22, 2011 from Allan B. HenryHave you ever felt helpless concerning your financial problems? Are you looking for ways to get out of your current financial situation? You are not alone! Millions of people all around the globe are experiencing the same thing. Others might say the best and easiest way to be free from debt ...
Views: 732 - Do Not Allow a Mortgage Lender to Have the Last Laugh - by Submitted on Dec 22, 2011 from Virginia MortgageIt takes lot of luck to get a conscientious mortgage lender. Most of them try to make money by bending rules. Though they claim to be transparent in their dealings, they are not so in reality. The devil lies in the fine print. The fine print camouflages several rip-offs. It is beyond the ...
Views: 773 - Corporate Insolvency - Claims against Directors - by Submitted on Dec 20, 2011 from Holly AlbertBeing a company director is a risky business. The limited liability company was devised as a way to promote trade and industry by freeing its owners from the risk of liabilities. This was open to a great deal of abuse and the legislature has stepped in to remove the protection of limited ...
Views: 911 - Tips and Tricks to make money to pay off your holiday debts - by Submitted on Dec 17, 2011 from Evan ParkerWell, have you spent your hard earned money over your last Christmas holiday and now lamenting over it? If yes, then don’t worry you are not alone, a number of Americans are there, who waste half of their annual income over holiday gifts, luxury trips and expensive dinners. In fact holiday ...
Views: 724 - Credit rating review Understanding it's impact - by Submitted on Dec 11, 2011 from Alfred lebeauYou may possibly not understand it, but every time you take out any kind of bank loan or credit score or spend something back, it will get counted on your credit history. Who looks after a record for you will vary based on where you live, but the large three credit research agencies tend to be ...
Views: 792 - Advice for the Unemployed: Self-Reliance is the Most Valuable Commodity - by Submitted on Dec 09, 2011 from Sarah WatersIn what’s likely to be seen as the latest in a series of negative developments for America’s long-term unemployed, the well of unemployment benefits seems to be drying out. Unemployment benefits have a cut-off stage depending on how long the recipient has gone without a job. And at this ...
Views: 1831 - Amazing and Depressing Stats on our National Debt - by Submitted on Dec 08, 2011 from Kieran PollardThe national debt is the amount that the United States has borrowed and is currently paying interest on. The national debt of the U.S. is now over $14 trillion, a number that is larger than the gross domestic product of China, the United Kingdom, and Australia combined. Here’s a list stats ...
Views: 802 - Changing Everything - by Submitted on Dec 08, 2011 from Kieran PollardSince its beginning, the US has led innovation on the internet. In many ways, this spirit of innovation can be used both to maintain our leadership in this area as well as in other areas of high tech and beyond. Despite some of the calls that the internet is destroying businesses, (like music) ...
Views: 1150 - Dangerous Trend in Malicious Code Activity - by Submitted on Dec 08, 2011 from Kieran PollardEach year, government agencies and corporations around the globe step up their efforts to fight malicious code activity. Although this threat has been a problem since the inception of the Internet, the newest trend shows a shift in activity to emerging countries as their Internet infrastructure ...
Views: 1084 - Entrepreneurial Goal Setting - by Submitted on Dec 08, 2011 from Kieran PollardThe importance of setting goals when you start your own venture will play a critical role in determining whether the business you are launching succeeds or fails. It’s the same for top athletes, people that are successful in business and anyone else that has reached the top of their field. In ...
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