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Debt and Debt Consolidation Articles
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- Debt Settlement Companies Are They A Scam Or Do They Really Work? - by Submitted on May 17, 2007 from steve bisWhen it comes to seeking debt relief, many Americans feel the only viable option they have is credit counseling or filing bankruptcy. What many people are not aware of is the little known process of debt settlement. The goal of debt settlement is too, one satisfy your creditors for less than ...
Views: 53325(7 votes) - Free Debt Consolidation Tactics to Save Your Financial Future - by Submitted on Jul 12, 2010 from Sam EtkinIf you are in debt, it probably feels like there is no way out. Though your situation may be overwhelming and increasingly stressful, there is no reason it has to keep getting worse. Have you ever considered debt consolidation? There are actually many viable options available to you to help ...
Views: 43904(13 votes) - 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: 32877(3 votes) - Have You Been the Victim of a Slip and Fall at a Publix Grocery Store? - by Submitted on Feb 08, 2019 from Hamza HassanEven though Publix is typically a mindful and safe food store, no store or employee is perfect, and incidents transpire. If you were injured on the property of Publix, you may have a claim for compensation for your injuries, pain and suffering, and lost wages. Publix has a duty to its consumers ...
Views: 25261 - Debt Settlement - What Percentage of a Debt is Typically Accepted in a Settlement? - by Submitted on Feb 13, 2010 from Jesse NiesenI'm often asked by subscribers, "What percentage of a debt is typically accepted by creditors in if I do debt settlement?" This is a great question, and it's important to set the right expectation when considering debt settlement. Many of the fly-by-night companies who have started ...
Views: 24237(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: 13499(2 votes) - 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: 13434(1 vote) - Government Grant Money for Debt Relief - by Submitted on Feb 01, 2009 from Austin WartyThose who are facing debt problems should consider the government grant programs that will provide money that you never have to pay back. While these programs have been around for several years, it has only been recently that the federal government has been aggressive about funding and promoting ...
Views: 9105 - 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) - Receive Free Government Grant Money You Never Have to Repay Back - by Submitted on Apr 16, 2009 from Jason ArnoldYou can receive Free Grant money Government grants are available for almost anybody, which you don't have to repay back These are money programs that are offered to you by your county and state which you never have to repay Every year, the government hands out $500 million worth of free ...
Views: 7410 - How to Fill Out IRS Form 1099-INT - by Submitted on Apr 06, 2011 from Kashif ChohanIRS Form 1099-INT is sent to those taxpayers who received interest income during the current tax year, such as that from a savings account. This article is written from the point of view of the entity filling out the 1099-INT, not the person receiving it. Visit our website for more details ...
Views: 7167 - I Received a “Notice of Abandonment” from the Trustee! What Does that Mean? - by Submitted on May 27, 2009 from Gordon LevinsonWhen a debtor receives a “Notice of Abandonment” from the trustee, they should not be alarmed. The title of the document oftentimes scares debtors into thinking they are going to lose the property listed in the notice, which is not the case. Basically, a notice of abandonment is the ...
Views: 6604 - Top 6 Benefits of Debt Consolidation Loan - by Submitted on Dec 10, 2017 from Jaclyn TengWith a Debt consolidation loan you end up paying a single monthly payment instead of multiple smaller installment amounts. However, having to manage a single loan is not the only benefit of a debt consolidation loan over multiple smaller loans. Debt is but a liability and as a debtor you must ...
Views: 6343(1 vote) - Infrastructure Debt - by Submitted on Oct 25, 2018 from Alice Gap1. What is the current status of infrastructure investment structure compare to previous years? The progressions have been in how serious the opposition for centre resources has moved toward becoming. It also joined with what we see as high asset costs. Furthermore, this is currently ...
Views: 5825 - Negative Effects Associated With Bankruptcy! - by Submitted on Oct 25, 2007 from steve bisMore people than ever before are staring down the barrel at bankruptcy. With consumer debt at an all time high, and the ruckus with the sub-prime mortgages many people are stuck with not many options to get debt relief, and most people feel bankruptcy is their only recourse. In this brief ...
Views: 5749 - How to Become Debt Free FastSubmitted on Sep 21, 2010 from Brad HarrisonBecoming debt free is a major task for most people. While it's easy to get into debt, getting out of debt is much harder. The fastest and best ways to become debt free will depend on your situation. The first step is to get a handle on your overall financial condition. Make a list of all of ...
Views: 5741 - 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: 5520(1 vote) - What Happens When You Consolidate Your Debts? - by Submitted on May 12, 2009 from Keith GarrowDebt Consolidation is often the first thing that people consider when they experience debt problems. Consolidation debts is basically the process of taking out one large loan to pay off all your other debts, leaving you with only one payment to think about, which is usually a smaller amount ...
Views: 5419(1 vote) - I Don’t Want to File for Bankruptcy. Are There Other Options Available? - by Submitted on May 29, 2009 from Gordon LevinsonYes, however it is imperative that you discuss the pro’s and con’s of these other options with a qualified consumer attorney before jumping into anything. While there are many ways to address unsecured debt absent a bankruptcy filing, the following 2 options are the most common: Debt ...
Views: 5123 - 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: 4770(2 votes) - What Is A Debt Management Plan? - by Submitted on Sep 21, 2010 from Seamus McKenzieDebt management plans are one of the most widely used options for consumers, what exactly are they? Let's say you are floundering in debt, and it's beginning to spiral downwards out of control. You worry about what tomorrow might bring, and you don't want to answer your phone anymore. You're ...
Views: 4715(1 vote) - 10 Rules About Money - by Submitted on May 21, 2007 from John BishopHow we view money has a profound impact on all facets of our life. It determines where we live, the type of job we have, how we look at the world, and, unfortunately, how we feel about ourselves. Money has the power to do great things, but it can also destroy the mightiest empires. Each of us ...
Views: 4070 - 5 Pillars of Financial Stability - by Submitted on Apr 22, 2011 from Aaron BallBefore you can run you must learn how to walk. Once you establish your foundation as a solid walker you can then pursue your dream of running. This simple analogy can also be applied to achieving your life goals. If your dream is to own a 60-foot yacht or a Ferrari Spider you will first need to ...
Views: 3916(1 vote) - “No Credit Application Refused” - by Submitted on Jun 20, 2009 from Gary McClureWe’ve all seen those advertisements that promise auto financing for everyone. What you don’t see is the real truth behind these ads. No auto dealer is ever going to “refuse” a credit application, there’s a big difference between accepting and approving a credit application. It might surprise ...
Views: 3903 - Can a Creditor Sue Me for Unsecured Debt? - by Submitted on May 07, 2009 from Keith GarrowFirst of all we need to be clear about what is meant by unsecured debt. Most loans and debts will fall into one of two categories, secured or unsecured. A secured loan is secured against some asset you own, usually your home. What it means is that if you default on the loan, you can lose the ...
Views: 3855(3 votes) - How Debt Reconciliation Can Quickly Eliminate Credit Card Debt - by Submitted on Feb 01, 2011 from Joseph HernandezProbably one the foolish thing that a debtor can do is refinance existing debt without an idea of what to do with the funds. If you carry an excessive amount of credit card or other unsecured debt, then borrow enough money to eliminate your unwanted debt. This strategy is known as debt ...
Views: 3792 - Importance of debt management today - by Submitted on May 15, 2012 from Debbie SupportaEconomical financial obligations are a service provided by debt assistance firms to assist in in the agreement of a individual's financial obligations. Through debt management, many individuals were able to settle their financial obligations and begin over again. This article offers info about ...
Views: 3517 - Definition: Debt Reduction - by Submitted on Sep 30, 2007 from Debbie MolisIt’s not easy being in debt. It’s not easy having the burden of debt weighing on your shoulders. You have financial obligations you want to take care of, and you have responsibilities at home that are important to you, but you may not know where to start. You constantly feel worried, scared, ...
Views: 3508 - 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: 3409(1 vote) - Is There a Minimum Amount of Debt Required to File Bankruptcy? - by Submitted on May 27, 2009 from Gordon LevinsonThis is a question I hear quite often as people contemplate filing for bankruptcy. The answer is no. The decision to file for bankruptcy relief is relative to the debtor’s financial situation. For example, it is not uncommon for someone who is living on social security or other fixed income to ...
Views: 3406 - Can I Negotiate Credit Card Debt Reduction And Write Off Debt? - by Submitted on Jul 29, 2010 from Keith GarrowWhen credit card debts get seriously out of hand, one of the most successful and widely used solutions is to negotiate debt reduction with the companies. A substantial industry known as debt settlement has built up to provide this specialist service on behalf of people struggling with debt, but ...
Views: 3174(2 votes) - Debt Consolidation Tips for Millennials - by Submitted on Apr 01, 2014 from Chris LindseyExtraordinary costs for education, endless digital gadgetry, and the ease of getting credit cards means that the average Millennial carries debts that are difficult to pay off. Bachelor's degrees that reward students with minimum wage jobs and thousands of dollars in student loans burden ...
Views: 3039 - Biggest Reasons for Credit Card Debt - A Credit Card Debt Settlement Program Can Help - by Submitted on Jul 06, 2016 from Rebecca WilliamsBecause credit cards can be easy to obtain, it can be easy to get in over your head with credit card debt. While they may be simple to carry and convenient for making purchases, credit cards have been the cause for rising consumer debt and countless personal bankruptcies throughout the years. ...
Views: 3024(1 vote) - Avoid These Common Mistakes That Many People Make While Trying to Reduce Debt - by Submitted on Apr 22, 2011 from Sam BakerMaybe you have a lot of debt and promised yourself not to ever add one more nickle towards your already present financial obligation. Still, regardless of how hard you attempt, you find your debt simply seems to rise. Sounds familiar? Now, don't get anxious, you are in a growing crowd! It's ...
Views: 3023 - If You Are Struggling To Pay Bills, Help Has Arrived - by Submitted on Aug 11, 2011 from Lynn ClarkeAre you ignoring phone calls from creditors and dreading the thought of being late on another mortgage payment possibly leading to foreclosure? Does it surprise you to know that struggling to pay bills contributes to 90 % of divorced couples? Are you providing your children the life you want for ...
Views: 2996 - Credit Card Debt Settlement - How Do I Choose a Good Debt Settlement Company & Avoid a Nightmare? - by Submitted on Feb 13, 2010 from Jesse NiesenDebt settlement is the fastest way to get out of credit card debt for the least amount of money and avoid bankruptcy. If you are one of the millions of Americans struggling through financial hardships today, debt settlement may be your very best option to be debt free ...
Views: 2967(5 votes) - Erase Bad Credit Reports – Is It Possible To Wipe Out A Poor Credit Record? - by Submitted on Jun 11, 2009 from Keith GarrowWould you like to erase your bad credit report? Yes of course you would – who wouldn’t. Unfortunately that does not mean that it is possible to do so. You can take steps to improve and help build up your credit rating, but there is nothing you can do to just erase a bad credit report. So why ...
Views: 2958(1 vote) - How to Avoid Being Broke & Stupid: "Secrets of the Rich" for those Deep in Credit Card Debt! - by Submitted on Jan 13, 2010 from Jesse NiesenWhat's the most powerful force in the Universe, and does it work for or against you? When asked what he thought was the "most powerful force in the universe," Einstein replied, "Compound interest." Startling Statistics: (According to the Federal Reserve) • 49,000 U.S. Households ...
Views: 2816(2 votes) - Make Sure Debt Consolidation Will Work: It’s All Up To You! - by Submitted on Dec 13, 2012 from Samantha SeiffertDebt consolidation is a proven effective debt solution for some consumers. The program itself is effective - but only if you learn your lesson. When you opt for a debt consolidation program or loan, your debts will be combined into one through a single payment program. That can mean you have ...
Views: 2786 - Definition: Debt to Equity - by Submitted on Sep 30, 2007 from Debbie MolisThe debt to equity ratio (D/E) is a financial ratio indicating the relative proportion of equity and debt used to finance a company's assets. It is equal to total liabilities divided by shareholders' equity. The two components are often taken from the firm's balance sheet or statement of ...
Views: 2785 - Debt Settlement Secrets: Stopping Creditor Calls - by Submitted on Jan 15, 2010 from Jesse NiesenTHE BEST WAY TO STOP COLLECTION CALLS ASAP DURING THE DEBT SETTLEMENT PROCESS. This only applies to people in a legitimate debt settlement program, such as the debt settlement programs I endorse. If you are not yet enrolled into a debt settlement program, be sure to read this Debt Settlement ...
Views: 2772(3 votes) - Why You Should Never File Bankruptcy - by Submitted on Aug 10, 2010 from Patrick ThonaYou know what it feels like to cringe when the phone rings. You stare at it, willing it not to be a bill collector. Let it be someone who is offering you a job, you pray. You pick up the phone gently, hoping, praying, but no, it's another creditor. “I'm sorry, I'm not working right now. I'll. . ...
Views: 2768(1 vote) - How to recover from financial hardship - by Submitted on Sep 05, 2012 from Johnny LoweryFinancial hardship plagues many people, especially during these hard times. With hard work, it is possible for you to overcome financially troubling times. Here are some tips that will help you recover from financial hardship. Focus on your main bills This obviously includes rent, electric ...
Views: 2729 - Bad Credit Mortgage Loans and Fast Home Loans for People with Poor Credit - by Submitted on Jul 19, 2012 from Ladan LashkariAre you looking for poor credit mortgage loans to help you get a fast home loan even if you have a bad credit? You may have experienced how difficult it can be with people with a low credit score to get approved for a fast loan. So this helpful guide is going to help you find out some tips to ...
Views: 2716 - 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: 2711(2 votes) - Credit Cards Leading Cause Of Stress, Wrinkles - by Submitted on Oct 10, 2012 from Janet MartinThinking of getting a credit card? Before you do, think twice. Doing so can lead to financial problems, a major cause of stress that, in turn, causes wrinkles! According to American stress researchers Drs. T. H. Holmes and Richard Rahe, financial problems and credit difficulties are a common ...
Views: 2651 - Is Equity Tied Up In Your House? - by Submitted on Mar 04, 2011 from Tim ReynoldsI have always been taught that becoming debt free is the thing to strive for. The American philosophy is, “If you can pay off your cars and your house, you can then live stress free.” Why wouldn’t you want to pay your mortgage off early? If you add up the interest you will be paying over the ...
Views: 2604 - Taking the First Step Toward Financial Recovery After Addiction - by Submitted on Aug 18, 2011 from Lisa EspichAfter two decades of addiction, my husband, Dean, had finally accepted treatment. He was on the right path and ready to begin a fresh start. As he returned home, clean and full of hope, the joy I felt for his long-awaited recovery was joined by the sobering reality of debt. Years of addiction ...
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