We are currently looking for an Official SelfGrowth.com Guide to "Debt and Debt Consolidation". If you have expertise in Debt and Debt Consolidation and your own website and/or product for this topic, please review this form for complete details. The Official Guide Position is part of our Premium Placement Package
As 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: 937
The life of living off of debt is at its end and our previous lifestyles are catching up with us. The keeping up with the Jones’ lifestyles are over and leaving the economy in shambles after a decade of artificial debt backed spending not supported by current income levels. Now as commodities ... Views: 779
Starting 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: 642
A Trust Deed can be a pragmatic and effective solution to spiralling debts but the way many less-than-trustworthy "advisors" are reeling debtors in is worrying and dangerous. The nature of a Trust Deed is that it may not be a stroll in the park, you are dealing with nasty amounts of debt. Here ... Views: 1098
Over the past couple of years the US economy has noticed some fairly dark times, and the outlook for the near future still remains pretty bleak. Numerous individuals have lost employment or have taken a considerable decrease in pay therefore putting massive anxiety upon their financial ... Views: 687
With the way the economy is, many Americans are finding themselves in a terrible debt situation. Once that happens, they start looking for ways to help with credit card debt settlement . The process of reducing credit card debt can be pretty tricky for many people. However, a basic understanding ... Views: 670
Strange as it might seem to lifelong urban dwellers or new transplants recently emigrating from, putting it as plainly as we can, just about anywhere besides the United States of America -- the old world rightly worried about the environmental costs and societal disrupt of sub divisions and ... Views: 893
People with a lot of debt problems often have only themselves to blame. They constantly subscribe to things that come with monthly payments, many of which they don't need. The cycle goes on and on as their wants are given more priority over their needs, and before they know it, they find the ... Views: 660
With summer coming up, some of us are braving the high fuel prices and driving to family gatherings or favorite vacation spots. What route would you take? Any experienced road traveler will tell you that there are two ways to go: the quick way and the enjoyable way. The quick way usually ... Views: 946
If you starting a new business, the beginning of a new venture that provides a fantastic opportunity should be accompanied by a bunch of excitement and anticipation, right? Setting your goals, developing your strategy, an imagining your life once you’ve achieved what you set out do should have ... Views: 585
The greatest benefit of starting your own business is that it’s all yours. You have the freedom to work the hours you want, decide on the work to be done each day, and run your schedule to your choosing. A second substantial benefit of starting an your own business is that, like many successful ... Views: 661
In exempting up to twenty industrial facilities from new federal controls on air pollution and the gases blamed for global warming, the Environmental Protection Agency (EPA) has signaled that the Obama administration does not have the political will to move aggressively on any kind of global ... Views: 626
The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) was enacted to put an end to some of the worst practices of the debt collection industry. It's been a very good law, but the debt collectors are still doing many of the things the law was designed to ... Views: 1304
Sometimes there are certain situations in life where you have no other ways than to opt for a loan. But there is this one bad thing about most kinds of debts; you have to repay it within a stipulated amount of time. If you are unable to do that there are consequences that you have to suffer. For ... Views: 691
The press is awash with recommendations that people should not pay for debt advice or debt solutions. Within the specialist area of IVA advice however the clear well-known fact is that there is no such thing as a free IVA. Fees will apply whatever source of IVA advice you ultimately select and ... Views: 645
Do it yourself bankruptcy can seem just like a great way to save money, and this method can be in some situations. If you need to file bankruptcy then cash is normally already tight, so paying for an attorney might seem as an unnecessary expense. In some circumstances this can be accurate, and ... Views: 565
The Fiscal Cliff and How a JUBILEE can fix our Economic Woes
Sheri Combs Lantz, Author of
A Practical Girls Guide to the Universe and Why God is Good and Religion is Bad
Boy, in the world today God gets a bad rap. The plans for the universe are so simple yet we continue to ignore the ... Views: 1327
Debt of any kind can be a source of great stress in anyone's life. It's amazing how easy credit gets handed out - especially to those people who should not get it. While the global financial meltdown was a wake up call for all institutions the fact remains that these companies make money from ... Views: 892
The governments Making Home Affordable Program (HAMP) released in March 2009 was designed to help homeowners modify mortgages and stay in their homes. While qualifications for HAMP seem pretty straight forward, the governments program appears to be failing.
While many borrowers have applied ... Views: 597
With typical loans now too far out of reach for most people, hassle free bad credit loans are filling a vital niche in the UK loan industry explains Andy Hygate from www.loansbadcredit.org.uk
As the global economy continues its download spiral, many analysts focus upon the fact that the UK may ... Views: 904
Receiving help with repaying a debt without giving up their home or ruining their credit score is something consumers do have in common. This is equally true regardless if the debt is from credit cards, taxes or loans. A good number of people often turn to the lender for help when it comes to ... Views: 635
As the world is reeling from the unprecedented financial chaos of the COVID-19 global pandemic, money matters have never been a more pressing concern. This economic collapse is causing even the most financially stable families to think about money in a new way. More than ever, it is also ... Views: 437
In President Obama’s weekly address, he mentioned a visit he made to Penn State this week to learn about energy-efficient technologies at the school's Energy Innovation Hub. He specifically mentioned how researchers and students are designing more energy-efficient buildings as they move toward a ... Views: 641
The job landscape in the US has been in the process of dramatic change, even prior the start of the recession. Two of the main reasons that these jobs are disappearing are advances in technology and the opportunity for companies to outsource work to offshore locales where labor costs are a ... Views: 693
Most of us have bills and debts to repay. Debt accumulation is easy but paying off is not so. If you allow your debt to spiral out of control, you will end up in circumstances that will overwhelm you financially. A solution for this problem may lie in debt consolidation. You can consolidate all ... Views: 1081
Aside from the word money, in general, the word debt seems to have more emotion wrapped around it than just about any other word I know. The general theme is always the same: bad – bad – bad.
According to Dictionary.com, however, it has a pretty simple definition:
Something owed, such as money, ... Views: 989
The Meaning of Mortgage Loan Modification
In this day and age many can't afford to make their mortgage payment. I personally know many who are in this situation. My answer for this is loan modification. A loan mod gets helps you make your house payment and helps the bank get their money back ... Views: 1416
The whole concept of debt consolidation is to replace all of your debts or part of your debt with one single debt as repayment of this loan with one regular payment instead of many repayments, is easier to manage and control. Depending on the skill of your debt manager, you may end up repaying ... Views: 1220
Challenges may arise in our lives but there is at minimum one remedy to them. Especially with debt problems, offered would be the different solutions customized in accordance with how much you awe and according to the capability to pay. To totally understand the different forms of managing debt ... Views: 761
Poverty
Wore goggles, the writer was sitting alone in the dhoti-kurta that suddenly his mind goes towards the poor villages. He is whispering in mind about poverty. What is the poverty?. How does the poverty increase?. How to finish it?. He lost his two hours for it. He comes out of his ... Views: 1362
The first step with credit consolidation is definitely the most important. A consumer must find the right program that fits their own unique situation. There are so many programs being offered today, that a consumer should really take their time and go through these services very carefully ... Views: 646
If you're one of those unfortunate individuals inundated by debt counseling commercials each time you sit down to watch TV, you are probably apt to believe the hype that these agencies are there to assist you with your credit problems and create a useful debt management program to help you ... Views: 889
Credit card debt has a habit of creeping up upon you. At the outset you perhaps pay little attention to the fact that your situation is getting out of control. Anyhow, as time passes more of your expendable income is going towards paying down your tiny plastic friends. Then some fine day you ... Views: 1424
Are you having problems with your debts right now? Are you planning on hiring a credit counselor but not sure what to expect? Before you actually start looking for a credit counselor to work with, you need to understand a number of things. Remember, you need to make the right decisions when ... Views: 581
If you are looking for a real estate investment in a stable and low risk real estate market, Bangkok would be the right destination. The reason is probably the rich culture of the Thais who are not the main owners of the residence. This is why they don't like the mad rush to sell properties as ... Views: 188
All debtors with excessive amounts of credit card debt just want to know one thing: “what is the safest method to quickly get out of debt?” They hear and read about different solutions to eliminate their unsecured debt, which ultimately makes them even more perplexed.
Let’s first clarify ... Views: 693
When you have a small business, you should do everything you can to avoid the trap of falling into debt. It’s tempting to take out loans in order to fund growth, but this is a practice that can easily lead to problems. Let’s look at some of the reasons you should stay out of debt and some ... Views: 1662
The Shopping and Food Connection: An Examination of Hunger Diseases
“The hunger for love is much more difficult to remove than the hunger for bread”
~ George Bernard Shaw, Major Barbara
Have you ever found yourself in a shopping mall, searching, with a slightly pounding heart, for ... Views: 1209
Although 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: 1144
A single person or a sole proprietor is eligible to file for Phoenix Chapter 13 bankruptcy. Chapter 13 results in the repayment of all of your debts over a specific time period, usually 3-5 years. Chapter 7 Bankruptcy, often called “liquidation bankruptcy”, stays on your credit report for 10 ... Views: 590
The Sting of Bankruptcy Affects Many
Bankruptcy is both a blessing and a curse. If you are in grave financial need, bankruptcy can clear up your massive debt and start you from scratch from a financial standpoint. Unfortunately, bankruptcy also negatively affects your records and it can ... Views: 637
Small and medium size enterprises can broaden their business faster by applying a business debt recovery strategy, which ought to have commercial collection services as its leading actionable plan. The industry may perhaps be growing, thanks to boosts in investing, however the problem in ... Views: 464
Good debt, bad debt - is there a difference?
By Christopher Music
Do we really need debt?
Is debt actually something that is part and parcel of our economic existence?
Let’s take a look at what debt really is. It’s defined as one owing something to another or the condition of ... Views: 1031
Debt consolidation loans bad credit is the cry heard more and more in today’s financial news? Have you become one of those borrowers who have found it extremely difficult to consolidate your outstanding debt because of bad credit? If you are the information contained here will give you a light ... Views: 1715
In today’s world, there are countless poor credit lenders giving out loans. This is mostly because of the economy dwindling to a depression like state, and poor credit financing are in demand. Because banks only work with good credit, a lot of people have been late on their mortgage payments so ... Views: 1033
If your credit score is below 620 levels, then it is termed as bad credit. A large number of variables have an influence on your credit score. These variables include your monthly income, expenses and job status. Usually public banks are not willing to provide loans to people with bad credits. ... Views: 1349