Don’t Be Taken By Debt Consolidation or Credit Counseling Scams
Your credit cards are maxed out. Your mortgage is spiraling out of control. You have fallen behind on your car payments ... is that there is no “magical solution” to credit repair. Even those companies which decide to report negative ... your debt by 50% and they will fix your credit overnight. You call them, looking [more...]
Date: 2008-12-18 23:25:22
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“Icing” The Credit Card
December 12, 2008 in Credit, Debt, Financing | Tags: All About Portland Oregon Real Estate, bail out, Betty Jung, Betty's Blog, betty-jung-blog, ... had saved $1800 just in one month by not using their credit card. I’ve been reading a lot of blogs ... . Now I read how employees of some credit card companies were hired and instructed to participate [more...]
Date: 2008-12-12 09:01:34
How Wall Street’s Meltdown Helps Main Street’s Housing
Just for fun, let’s imagine a possible silver lining to the complete melt down on Wall Street ... to extend car loans, credit card debt, retail debt and so on. But this may not be all bad ... are up and his long commute is killing them. They need to buy a different car. “But no one is lending money [more...]
Date: 2008-09-19 13:00:15
Record Credit Card Defaults Signals a Weaker Recovery
According to reports from Moody’s ( MCO ) Investors Service, credit card delinquencies surged to record levels in August. In the first increase of charge-off rates since the rally began in March, credit card issuers wrote off 11.49% of uncollectible consumer debt compared to 10.52% in July. Also loans more than 30-days past due also rose to 5.8%. Moody’s report also suggests that charge off rates are not likely to peak until mid-2010, as unemployment continues to strain many consumers budgets. [more...]
Date: 2009-09-24 14:40:21
Paying Down Debt In Your Marriage
Debt can be a real strain on any marriage. Today we’ll take a look at how you can work with your spouse to reduce debt together ... accumulate credit card debt. Before you know it, you’ve racked up $50k in consumer debt, not including ... such as an unexpected medical expense or car repair. Don’t skip step 1! It’s #1 for a reason. Step [more...]
Date: 2008-09-08 13:12:49
Marketing Scams with Secured Credit Cards
When in debt, most people will do just about anything when it comes to re-building credit ... credit card, there are some things that you should look out for before submitting that application ... sounding fishy. Any major secured credit card company is going to make you wait while [more...]
Date: 2008-09-21 22:02:06
Winners and Losers from Current Economic Situation.
In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]
Date: 2009-01-13 06:40:00
Thinking About 2009 Goals
Gosh. I hadn’t given much thought to my goals for 2009 till I saw NCN’s blog about his goal planning. As it is, I really want to make huge strides in my credit card debt. Ostensibly, I started ... in detail, I see that my greatest weakness is my credit card debt. In trying times where my new [more...]
Date: 2008-12-18 17:05:53
Higher Ed, Banks and Credit Card Companies
Great commentary from Kevin Carey, which I've linked to just below, along with the NY Times article (below the fold) which spawned the story ... brochure inside encouraging students to apply for a credit card - often their first. This troubling practice has resulted in students completing college with credit card debt - often on top of student loans [more...]
Date: 2009-01-01 21:19:00
Free Living
In this complicated financial status due to non-stop daily expenses, monthly bills, children's educational expenses, ... . The overflowed using of more than one credit card is really sink us into a big debt when unable to use in minimal expenses. Not realizing that we are already sinking into big credit card debt. It's time [more...]
Date: 2008-12-02 01:16:10
Roundup - Tis the Season
To go shopping, hang out with friends, gather families, share food, bring laughter, and build memories. Happy Holidays! Banking, Credit, and Debt Credit Karma writes How Does Bankruptcy Affect Your Credit? The Sun’s Financial Diary posts How to Use Your Credit Card without Going in Debt. The Consumerist with How [more...]
Date: 2008-12-14 13:22:47
- Mortgage Debt Consolidation – What to Watch Out For
credit card logos.jpg Mortgage debt consolidation can be a smart financial move if you do it right and your financial situation warrants it ... the other day and overheard one of the bank managers explaining to a prospective mortgage refinance ... , and avoided those with credit problems that would go on to plague so many other lenders. Upon hearing [more...]
Date: 2008-07-18 06:27:48
Life Cover In South Africa
by Susan Renolds As a responsible person with a financial obligations and a family, you certainly realize your need for insurance ... . Typical outstanding debts include revolving debt such as credit cards, auto loans, and school loans. Include a cash reserve for emergency expenses such as medical emergencies, home repair, etc. Because [more...]
Date: 2008-12-01 10:02:45
End all your debts
The spender in me has strike again. I bought a new pair of Crocs “Alice” yesterday and I was like so high of its cuteness! Lol! ... all my credit card charges before it bears interest because of fear of consolidation loan bad credit ... Now, I’m thinking of a credit card consolidation for my debts, bwahahahaha! Do you think [more...]
Date: 2008-10-23 02:31:52
Badcreditloanshop.com
.fullpost{display:inline;}The most common problem is financial. same financial problems that contribute to this problem in the bad credit loans ... for you to secede from debt in bank and also credit card, requirement of house, health, insurance ... of your family. Eliminates taste is anxious about debt, with bad credit loan of all your requirement [more...]
Date: 2009-01-13 09:47:00
Have You Ever Lost It All ?
We are headed for some wicked hard times. Some of us are already feeling the sting ... credit card debt spread among about 5 different cards, no job, no place to live and if that wasn’t bad ... from my job and lived on credit cards for months while trying find another job. After several months [more...]
Date: 2008-10-10 11:00:39
T3leads Review - A Unique Affiliate Network with Big Money Claims
New affiliate networks seem to pop up everyday and it can be quite a chore determining which ones are actually worthwhile ... lucrative niches online. Categories in the system include credit cards, auto insurance, payday loans, debt relief, home improvement, home loans, debt settlement, and credit repair. There are public [more...]
Date: 2008-08-20 22:21:15
You Can Legally Erase Your Credit Card Bill From Your Credit Card Company
American consumers can now legally and ethically discharge 50% of their debts that they owe to their financial institution. Not many Americans have been made aware of this fact because their CC company only wants them to pay the minimum payment each and every month and thus steal away their wealth from them pennies at a time so they go unnoticed.Last 5 posts by When Do You Apply For a Law Suit Loan? [more...]
Date: 2009-08-11 06:00:53
Guilty By Association
Many years ago, I used to run my sites out of an office building in an industrial part of Richmond. There were two other tenants in the building ... of association. The commentators asked me how many people I know who never run a Credit Card balance ... between good debt and bad debt. I don’t hang around people who are financially irresponsible [more...]
Date: 2009-01-04 23:45:11
September 2008 Financial Status / Net Worth Update
Finally got around to adding up the numbers for the last month: ... I have the ability to pay the credit card balances off, I choose not to. Retirement and Brokerage accounts The bad ... Credit Card Debt If you’re a new reader, let me start out as usual by explaining the credit card [more...]
Date: 2008-09-08 12:51:08
Good Credit Report Score
Good Credit Report Score December 20th, 2008 Subscribe To Our Feed Bankruptcy is an option but the laws have changed and it is not always the ... establishments that promised to help you may have ended up hindering you. Bad Consolidation Credit loan personal Getting your credit card debt relief procedure started is the most important thing [more...]
Date: 2008-12-20 06:19:18
More Empty Space at the Mall; Life Gets Harder for Bored Teens
The bursting of the retail bubble that we discussed on Monday continues, and at a faster pace than expected ... , that is probably a good thing in the long term. Plenty of people with too much credit card debt could ... protection in 2008 as the credit squeeze and recession drained sales. Vacancies will rise further until [more...]
Date: 2009-01-07 18:01:37
My First Time…Using Credit
I managed not to accrue any debt coming out of college. One of the big factors? I didn’t have a credit card until a few months ago ... I might not be debt-free right now. I assumed having a credit card was the only way to generate ... my Student Visa with a $500 credit limit and let it get comfy in my wallet. The first time I busted [more...]
Date: 2008-10-02 21:55:19
Credit Blemished Over Imaginary Credit Card [Debt Collectors]
The NES collection agency is coming after Nancy for a debt on an account number she's never owned ... the account and sold it to a collection agency, who somehow had no problem contacting me repeatedly ... by disputing it as invalid you may be able to get it taken off your credit report if the agency reporting [more...]
Date: 2008-10-30 19:20:44
Study More About Unsecured Debt Consolidation Loans - Avoid Being Rejected
Unsecured loans with bad credit can be the answer for anybody who is having problems managing their expenses and does not have anything to offer as ... people find that they have many small debts on credit cards, store accounts, plus car loans, etc ... get a consolidation loan at a lower rate of interest than many of your other bills. Credit cards and [more...]
Date: 2008-12-29 15:51:16
Carnival of Debt Reduction #151
Welcome to this week’s Carnival of Debt Reduction! Since this is Carnival #151 here’s a debt reduction example based on a credit card payment of ... your debt snowball. This list is a good way to ease into saving money and spending less. No Credit ... rate might give the biggest return on investment of all!) Credit Withdrawal talks about getting [more...]
Date: 2008-08-04 08:35:02
January 2009 Financial Status / Net Worth Update
Net Worth Chart 2008 Credit Card Debt I have no actual consumer debt. In the past, I have been taking money from credit cards at 0% APR and immediately placing it into high-yield savings accounts or similar safe investments that earn 5% interest or more, and keeping [more...]
Date: 2009-01-06 11:22:18
Debt Consolidation Tips & Resources
Hubby and I are discussing about getting a credit card for myself so that we can use it for good in the future ... of debts in credit cards. Until one day, he ended up of bankruptcy. Bankruptcy is really a bad idea because your credit line will be bad, you can’t apply for a loan instantly especially housing loan [more...]
Date: 2008-07-09 12:33:16
Finance - Books on Personal Loans
by Jorg Maurer Personal loans and all the terminology that goes with it can make your head spin after awhile ... issues including fixing up homes, then this book will give you calibre information in both areas. “ ... you information on how to pay off debt, including credit cards and personal loans. “Live Debt Free” (3rd Edition [more...]
Date: 2009-01-16 11:31:03
Bartering in Today's Economy
We are working so hard to save money for our farm and dream home. It's difficult considering we have only a minimal amount of income ... money. Trading can involve credit cards, money, etc. And money is defined as a medium of exchange ... . Now we use credit cards, getting into debt for a sandwich or gallon of gas.Bartering is a good way [more...]
Date: 2009-01-13 17:30:00
Fixing Your Messed Up Finances this 2009
If you enjoyed the holidays as much as everyone else, then like them, ... -up budget. List all payables. How much credit card debt do you have? Get all your receipts ... your credit card statements so you can see if your bank is increasing its rates. Explore ways on how [more...]
Date: 2009-01-07 10:18:05
Take Control of Your Finances Part 6: Get Out of Debt
Debt is like indentured servitude. You work and earn income, but you hand over that income to someone else ... as well. Good debt versus bad debt One comment you may hear is that mortgages and student loans are “good debt” while credit cards and car loans are “bad debt.” The philosophy here is that houses [more...]
Date: 2008-11-21 17:52:35
Catching Up
So. I should really go over what I have accomplished last year (and this year, to date) in my quest to become debt-free. I managed to totally clear up my credit card debt, and, to my surprise, when I sent for my free annual credit reports, and ordered my FICO scores, I found that it had improved, over the time [more...]
Date: 2009-01-16 05:41:49
Say Goodbye To Plastic
Nouriel Roubini has been the most prominent Cassandra for the financial crisis, ... that I introduce her newest prediction: the severe curtailing of credit card lines. It would definitely make sense as banks haven’t been keeping credit card debt on their books, but instead turning them [more...]
Date: 2008-12-01 22:01:01
Christmas Shopping Tips to Keep Your Holiday Spending Under Control
Do the holidays put a strain on your budget? It can be one of most expensive times of the year; ... season. Create a holiday budget: If you already have credit card debt you don’t want to increase ... . Go debit: Debit cards wearing a bankcard logo are typically welcome at most stores where credit cards [more...]
Date: 2008-11-14 23:31:29
TANSTAAFL - Ya gotta pay it sometime!
When TMEW and I spend more than we should, we end up paying for it later - by not buying much later ... more debt than they took on... Seasonally adjusted consumer debt -- including credit cards, auto loans ... 1990s. Nonrevolving credit -- such as auto loans, personal loans and student loans -- dropped sharply [more...]
Date: 2008-12-16 18:44:16
MORTGAGE FRAUD PRESS RELEASE
AND NOW IT HAS HIT HOME…………….National City Mortgage, a Miamisburg, Ohio division of National City Corporation has been sued in Federal District Court, ... here in Las Vegas with Fraud, multiple Truth-in-Lending Violations, Breach of Contract, Gross ... respectively, have no credit card debt or car payments and have the best of credit. The couple can only [more...]
Date: 2009-01-17 23:57:05
Blog Carnival Edition 3
Here is the submission received into the blog carnival edition 3 of The Money Maniac ... at fivecentnickel.com. CreditAddict presents How to Evaluate Balance Transfer Credit Card Offers posted ... Sale? Think Again! posted at Debt Free Destiny. Credit Card Assist presents You Can Prevent Hidden [more...]
Date: 2008-12-19 07:43:00
Lastest News in Credit Card Debt - Dec 08, 2008
b>Say good-bye to credit? - Marketwatch 7 Dec 2008 at 3:34pm SAN FRANCISCO (MarketWatch) ... the suspect who was caught on camera using a credit card in a Tampa … Thousands hit with CCJs ... — If you haven’t yet had your credit limit slashed on one of your credit cards, it’s highly likely [more...]
Date: 2008-12-08 08:11:16
Credit Card Debt: Next Big Hit to Banks?
Given how overextended consumers are, and how banks have been cutting back on the cheapest piggybank, home equity loans, by slashing those credit lines, and the reports of rising delinquencies from even conservative ... in credit card losses. But under the new bankruptcy code, if you do no qualify for Chapter 7 bankruptcy [more...]
Date: 2008-10-01 09:17:30
Bad Credit and the International Debit Card
Saving Face with New Debit Cards that can Help those with Bad Credit It isn’t always right to believe that there isn’t any way out of debt when you have bad credit. People around the world tend to find themselves at a financial disadvantage ... t have a credit card, it is next to impossible to pay bills nowadays. Most places usually refuse to accept [more...]
Date: 2008-12-05 17:41:30
That First Taste of Financial Success
wendy3 About a month after I hit bottom in terms of my debt, I sent in a large payment on one of my credit cards, ... off the rest of my credit cards, to pay off our car loans, to pay off my remaining student loans ... s been tasty all the way along. A lot of people like to criticize Dave Ramsey and his “Total Money Makeover [more...]
Date: 2008-10-21 14:00:52
How to Eliminate Debts, the Expert Way
Many people find themselves in trouble with a huge amount of debt. According to a recent Gallup poll, the average American owes $2,900 in credit card debt. That’ ... of credit situation suffering that you think you can not get escape. Don’t spend what you don’ [more...]
Date: 2009-01-17 15:04:52
Two Financial Goals - Less Debt, More Income
This article is part of an M-Network group writing project, the 12 Days of Christmas - Personal Finance Style ... beast which can be incredibly difficult to slay - especially credit card debt, which can have interest rates over 30%. If you only make the minimum credit card payment, it will take you years to pay [more...]
Date: 2008-12-02 11:10:55
Save Money by Using a Debt Consolidation Loan
Amazon.de Widgets If you are suffering from expensive credit card debt that is difficult to keep under control would it be worth considering a debt consolidation loan as a viable alternative? The simple math would suggest it is.It seems as if you cannot turn on the television or the radio nowadays without seeing or hearing advertisers promoting debt consolidation loans and products. [more...]
Date: 2009-09-25 15:20:16
Financial Solvency Details
by Dave Almentenk The high level of stress and the tension of paying your loan cannot be explained in written or words only a person who is facing ... of the debt consolidation for the people who have a bad credit card and this debt consolidation will definitely give you back your peace of mind and of course the money. What are the benefits [more...]
Date: 2008-11-25 08:33:17
It Is Okay To Make Financial Mistakes – My Top 4 Financial Mistakes
Let’s face it. We are all human. We all make mistakes ... . Because of the credit card debt mentioned above, I cashed in a portion of a Roth IRA. Of course ... something the easy way through my errors. thumb160x_creditmadess Credit Card Debt. I used [more...]
Date: 2008-12-20 13:45:28
Get Help With Debt When Necessary
Having debt is something that almost everybody has to deal with in their lives ... that determine its seriousness. Things like missed payments on magazine subscriptions or credit card debt shouldn ... . There are numerous forms of debt, so it’s not necessarily a bad thing. While debt is essentially [more...]
Date: 2009-01-16 10:02:27
In Uncertain Times Innovation Prevails for One Savvy Collection Agency
NEW YORK, N.Y., Oct. 16 (SEND2PRESS NEWSWIRE) -- In response to economic uncertainty, New York based collection agency Williams, Charles & ... to liquidate their debts via major credit card or "via check by phone," 24/7 in very unique ways. Unlike credit card payment offerings used by others in the industry, WCS' collection staff can tailor the [more...]
Date: 2008-10-16 11:06:59
Finance Fiesta #7: Mamma Mia Edition
Welcome one and all to the 7th Edition of the Finance Fiesta! This is the first carnival I have ever hosted, so hope it’s a good one for you ... she knows best. I give these posts the thumbs up as the best of the week. Mr. Credit Card from Ask Mr Credit Card answers a question from a reader “A Collections Company Sold my Debt After it was paid [more...]
Date: 2008-07-17 13:00:20
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