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Debt and Debt Consolidation Articles
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- Definition: Debt Management Help - by Submitted on Sep 30, 2007 from Debbie MolisCredit counseling (known in the United Kingdom as debt counselling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid. This process is actually more debt counseling than a function of credit education. Credit counseling often involves ...
Views: 2568 - How To Tackle Unpaid Medical Bills - by Submitted on Sep 21, 2009 from Jen MorealIf you are suffering from piles of unpaid medical bills, rest assured that there are ways to assist you in dealing with your medical debt. What you need to be aware of, is that if you have unpaid medical debt, this can, and will, affect your credit score, which may become vital if you need to ...
Views: 2537(2 votes) - Do You Really Understand Money? - by Submitted on May 04, 2010 from David SamuelWhat is important in getting something is understanding what it is. If you do not understand something, it is impossible to get it other than by luck, and luck is too unreliable to base your life on. You must understand money and what it can give you. Money does not only give you the ...
Views: 2527(2 votes) - A Slave to Debt - by Submitted on Dec 29, 2008 from Joanne PoppAre you aware that the largest growing market in today’s economy is debt? Credit card companies are offering 0% interest rates. At the same time, the Madison Ave. moguls are telling everyone who listens you need this now to be popular, or that to be sexy, or the other newest and best trend ...
Views: 2506 - Basel III and Data Warehouse Infrastructure - by Submitted on Jan 27, 2012 from Graz Sweden ABWhy Basel III 2007 to 2009 is a period that will remain etched in the minds of financial industry policy makers for years to come. Complex financial instruments, wrongly priced risks coupled with pressure to churn ever higher employee bonuses and bank profits all combined to create the ...
Views: 2497 - Personal Finance: Summer Scorcher - by Submitted on Jul 15, 2010 from Renee BarnowMy most two dreaded 4-letter words are debt and snow. The thought of winter makes my body curl up onto itself – a true, physical cringe. Likewise, the thought of debt chills me to the bone – because I’ve been there, close to broke and in the clutches of financial winter. Summertime and ...
Views: 2463(3 votes) - Book Review: Financial Peace Revisited - by Submitted on Sep 28, 2007 from Debbie MolisThis book review is part of a series that covers the topic of Debt and Debt Consolidation. The Official SelfGrowth.com Guide to Debt and Debt Consolidation is Leo J. Quinn. Dealing with Debt and learning about Debt Consolidation can help people overcome the challenges associated with debt and ...
Views: 2457 - 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: 2441(1 vote) - Keep Your Business Solvent with Efficient Debt Collection - by Submitted on Jul 24, 2012 from Ben WallYou’ll efficiently recover dues owed to your business if you opt for debt collection by JMA Credit or similar agencies. Businesses have to remain solvent and profitable, especially for startups yet to break even on initial investments. It is better not to lend when your company is yet to meet ...
Views: 2439 - Credit Counseling WARNING: “Lies Exposed!” (Watch Out for these "Debt Consolidation" Traps) - by Submitted on Jan 15, 2010 from Jesse Niesen(The shocking, whole-truth Credit Counselors don’t want You to know about Debt Consolidation) You’re deeply in debt, wondering which way to turn. You’re confused, worried, and so stressed out you can’t think straight. What do you do? Most people first think of the words "debt ...
Views: 2408(3 votes) - Remedies For Unsecured Creditors - Advice On How To Eliminate Unsecured Debt - by Submitted on Oct 12, 2009 from Keith GarrowWhile it is of course true that no debt is good debt, unsecured debts are distinctly preferable because there are more options open to you when it comes to getting rid of them. Finding remedies for unsecured creditors is not difficult, because there are two very well established approaches to ...
Views: 2405(4 votes) - Definition: Personal Debt Management - by Submitted on Sep 30, 2007 from Debbie MolisPersonal debt management; check your credit At least once each year, and before making any major purchase, you should perform a credit check-up. This check-up provides an excellent opportunity to manage your personal debt management and check for errors. The names and e-mail addresses of the ...
Views: 2397 - HOW TO STOP GAMBLING: Belief And Attitude - by Submitted on Dec 23, 2009 from J COvercoming A Gambling Problem involves many techniques and methods. Some are simple, some more complex. Some are external,such as our actions, and others are internal. Today, we'll be covering two internal aspects: Belief and Attitude. As you read on, you're going to discover how to better ...
Views: 2393(3 votes) - Bankruptcy Alternatives to Consider Before You Declare - by Submitted on Jan 21, 2015 from Hannah WhittenlyMany decisions cannot be reversed when it comes to the brutal world of personal finance. Think bankruptcy is the only option? Read on to learn about some great alternatives. A bankruptcy will stay on your credit report for up to seven to ten years, and can drag your credit score significantly ...
Views: 2376 - Reaffirmation Agreement: What is it and What Are the Pro’s and Con’s of Signing One? - by Submitted on May 27, 2009 from Gordon LevinsonWhen you file a Chapter 7 bankruptcy case, you also file a statement of intention with respect to property that is secured by consensual liens (car loans, furniture loans etc.). Bankruptcy law requires you to “perform” or move forward with your intentions regarding financed personal property ...
Views: 2353 - Debt Settlement Tax Avoidance - How Will Debt Settlement Affect My Taxes? - by Submitted on Feb 13, 2010 from Jesse NiesenIf I settle my credit card debt, how will these significant savings affect my taxes? This is an interesting question when considering how to get out of debt. In general, the IRS considers $600 or more of debt which is forgiven or discharged as income. This mean if you owe $50,000 in credit ...
Views: 2334(3 votes) - How to Maximize Your Budget - by Submitted on May 18, 2012 from Steven CondonShort on cash? Who isn’t these days, right? How can I experience my city while keeping expenses under that super small budget? Intoduction aggregated daily deals from Deal with Friends. Your new budget maximizer! At Deal with Friends, we believe you should still be able to live it up without ...
Views: 2326 - Work from Home Ideas for Women: Increase Your Income for Debt Payments - by Submitted on Dec 13, 2012 from Samantha SeiffertMost of the success stories that you will read about households getting out of debt involves an effort from both husband and wife. If you notice, not all of them have a regular job. In more than one scenario, women stayed at home while their spouse goes to the office to earn enough income to pay ...
Views: 2315 - How To Get Out Of Debt ... If You Really Mean It - by Submitted on Jan 31, 2011 from Bayo AOHow do you get out of debt? That's the $64 million dollar question facing an alarmingly large number of Americans today, and by the look of things, unless people wake up to the reality of the situation, its not going to change any time soon. Are You In Debt Right Now? As you read this ...
Views: 2283 - I Am a Caregiver to My Quadriplegic Husband and We are Maxed Out. – Linda - by Submitted on Sep 18, 2011 from Steve RhodeDear Steve, I am a caregiver to my quadriplegic husband since 2006.The credit cards are at their limit,I didn't help any by going overboard at x-mas. Also if something is or says medical it is expensive,and medicaid and medicare only cover so much. So I spend a lot on things for his care and ...
Views: 2270 - How To Bounce Back From The Financial Crisis Brought By Your Debt - by Submitted on Apr 16, 2013 from Samantha SeiffertWhen you are in debt, you realize that rebounding from the financial crisis will be your biggest aspiration at the moment. Your very thoughts will be filled with the desire to get yourself out of it. This is a natural response for anyone who is burdened with credit obligations that have gone out ...
Views: 2239 - Use The Law of Attraction To Become Debt Free - by Submitted on Oct 03, 2012 from Derrick MkandlaDue to the steadily rising costs of living and an increase in financial commitments many people are experiencing financial problems. The threat to jobs caused by companies downsizing and laying people off is also cause for worry with a lot of people. Some people have such large debts and the ...
Views: 2231 - 5 Steps to Take to Get out of Debt and Stay out of Debt - by Submitted on Jul 23, 2020 from Katie GordenNo matter your level of debt, we can all improve our futures by understanding and controlling our finances. To truly build security and wealth, we need to know where our money is going, determine if we're spending in line with our beliefs and values, and course-correct if something is out of ...
Views: 2220 - Some Weird Ways to Hurt Your Credit Score - by Submitted on Sep 29, 2012 from Krzysztof GarryIt is not always important that some lame reasons such as not paying the credit card bill on time or asking for number of credits will become a cause for the cancellation of the cards or harming your pre existing scores. However, if you fail to realize its worth the it will also lead you to ...
Views: 2220 - Filing for Bankruptcy is Not Shameful - by Submitted on May 05, 2013 from Stephanie MojicaA lot of people who must file for bankruptcy feel ashamed. Some of the people I’ve coached around financial freedom feel that their need to file for bankruptcy proves that they are “bad with money” or “unworthy.” Nothing could be further from the truth. No, bankruptcy is not an easy decision ...
Views: 2217 - How To Cheat Debt And Settle With Your Creditors - by Submitted on Jan 21, 2011 from Joseph HernandezResorting to professional help with regards to your debt will settle the score with your creditors. In fact, it is a perfectly legal solution if you are knee-deep in debt and seek an alternative to bankruptcy. Debt settlement programs can eliminate your credit card debt in about 2-4 years. Your ...
Views: 2200 - 5 Super-Effective Ways to Tighten the Budget - by Submitted on Apr 19, 2017 from Rachael MurpheyIf you're constantly struggling to make ends meet on your current income, it might be time to tighten the budget. Unfortunately, many people cringe at the idea of budgeting, believing it means living like a miser or going without the things you enjoy. In reality, there are some simple and ...
Views: 2184 - A Credit Restoration Now Plan of Action - by Submitted on Sep 15, 2013 from Freddie StewartWhen you finally made the decision that it is time to improve your credit history, hug yourself. You know that the only way things are going to get better for you financially, spiritually and physically are if you stand up and take action. You know you have to put forth the effort in order to ...
Views: 2173 - Keep your goals in Mind - by Submitted on Oct 09, 2020 from Jacob TraceyEvery New Year’s resolutions are set. Many Americans promise they will start to get out of debt, but roughly 88 percent fail in that goal simply because of motivation. Now is the time to become motivated and keep working. Getting out of debt is not an easy solution. It takes hard work and a plan ...
Views: 2129 - Debt Busters System Review - Easiest Guide to Keep your Debt Under Control - by Submitted on May 20, 2011 from michael reviewSome people prefer these steps : 1. To begin with, this really is something which could make you feel debt free immediately. Shred out all your credit cards; just make sure you depart one to have an emergency. If you don't want to be so drastic, eliminate credit cards using the highest rate ...
Views: 2125 - Debt Priority - Emergency Hierarchy Of Debt - by Submitted on Jan 31, 2008 from Mike KillianWhat do you do when all of a sudden the month is just beginning and the $$$$'s are gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more ...
Views: 2117(2 votes) - 5 Mistakes to Avoid when Dealing with a Debt Collector - by Submitted on Jan 19, 2011 from Denise RichardsonDealing with a collection agency can be a stressful experience. Not only are some debt collectors rude, but endless demanding telephone calls and letters can shake even the toughest individual. The stress and confusion that debt collectors can cause often results in consumers making mistakes ...
Views: 2115(2 votes) - What I Learned About Money From Louise Hay - by Submitted on Feb 28, 2014 from Heather DominickI’d like to share with you what I learned about money from Louise Hay in a workshop I took with her about 15 years ago. If you don’t know who she is, Louise Hay is pretty much a founding mother, in regards to the world of healing and energy work. She’s best known for her book; You Can Heal ...
Views: 2106 - Can a Mortgage Modification/Foreclosure Attorney Assist You? - by Submitted on Oct 10, 2012 from Melvin SingleterryThe sooner you call a qualified and experienced loan modification, home foreclosure attorney, the sooner you can get the relief you need from late mortgage payments, the threat of foreclosure or being served court documents where the lender is wanting to “call” your loan, foreclose on your home ...
Views: 2098 - Ease your financial pressure - by Submitted on May 31, 2012 from Senol ASANFinancial pressure is something that more and more people face and suffer from. It can determine a deal of different emotions and distress on personal and mental level. When financial pressure takes control over your life a lot of things happen. You may face problems in your relationships, ...
Views: 2096(1 vote) - Consumer Tip: Beware of “Zero Interest” Payday Loans - by Submitted on Nov 21, 2011 from Sarah WatersA new UK-based site, InstantLoansDirect.com, is trying to attract new borrowers by offering so-called 0% interest payday loans. They offer short term loans without interest, but there’s a catch. There is no interest for the first eight days, but after that initial period, there’s a daily fee ...
Views: 2089(1 vote) - How Do Creditors Determine Whether to Grant You Credit? - by Submitted on Jun 29, 2009 from Krista ScruggsDo you know how the bank determines whether or not to issue you a credit card? Moreover, do you know why you get an interest rate that is slightly higher than your neighbor’s, even though you both carry the same card? You do know, of course, that institutions issuing credit cards and offering ...
Views: 2079 - What to Do if You Are Being Sued for Debt - by Submitted on Mar 22, 2009 from Keith GarrowIf you genuinely owe money to a company and you do not pay it back in accordance with the terms you agreed, then the hard fact is that lender is perfectly entitled to sue you in order to get their money back. In borrowing the money, or buying things on credit, you will have signed an agreement ...
Views: 2078(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: 2076(2 votes) - Criminal Restitution in bankruptcy - by Submitted on Sep 24, 2011 from Edward BaxterThe traditional non-dischargeable debts in bankruptcy are fairly known to most of us. But what about an obligation that arises out of criminal restitution and the debtor wants to get it discharged? Well, the issue of criminal restitution in bankruptcy is complicated and delicate as well. But ...
Views: 2041 - Book Review: How To Get Out Of Debt, Stay Out Of Debt And Live Prosperously - by Submitted on Sep 29, 2007 from Debbie MolisThis book review is part of a series that covers the topic of Debt and Debt Consolidation. The Official SelfGrowth.com Guide to Debt and Debt Consolidation is Leo J. Quinn. Dealing with Debt and learning about Debt Consolidation can help people overcome the challenges associated with debt and ...
Views: 2037 - How to Use Willpower Engineering to Control Spending - by Submitted on Jan 25, 2011 from Steve LevinsonPersonal finance experts often offer excellent budgeting advice while ignoring psychological realities that make their advice essentially useless. The truth is, we humans have an enormous capacity for NOT doing what we know we should do. And failing to take that truth into account is like ...
Views: 2036(6 votes) - 5 Tips to Build Up Your Savings Faster - by Submitted on Apr 24, 2017 from Rachael MurpheySometimes it seems like saving money is impossible, and it is easy to get discouraged. If you run out of money before you run out of month, you may wonder how you will ever make ends meet, let alone save for the future. Even so, there are strategies you can use to put more money aside and ...
Views: 2026 - 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: 2021(1 vote) - How to Recession Proof Your Family - by Submitted on Dec 29, 2012 from Knox Bates III"Happy New Year 2013" New Years Resolution How to Recession Proof your Family! Are all the gloomy financial forecasts depressing you? Do you really want to ignore all of the negativity but you're concerned about what may happen if you do? Well you can't ignore reality, but you can ...
Views: 2020(2 votes) - Why Whole Life May be a Better Choice for Seniors over Term Life - by Submitted on Mar 20, 2013 from Chris BeardSeniors who have yet to put insurance into their retirement plan may find that a small amounts of whole life is the best option for protecting a spouse or providing final expenses after they are gone. While many people may have already purchased some form of term policy for the protection of a ...
Views: 1986 - Will My Credit Be Ruined for 7-10 Years Once I File for Bankruptcy? - by Submitted on May 29, 2009 from Gordon LevinsonOne of the common myths about filing for bankruptcy is that it ruins your credit for many years. The answer is “it depends.” It depends on a number of factors including your current credit score, your debt load, and your previous credit history. As surprising as it sounds and contrary to ...
Views: 1985 - Definition: Improve Credit Rating - by Submitted on Sep 30, 2007 from Debbie MolisA credit rating assesses the credit worthiness of an individual, corporation, or even a country. Credit ratings are calculated from financial history and current assets and liabilities. Typically, a credit rating tells a lender or investor the probability of the subject being able to pay back a ...
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