Questions About Collections? Ask Melissa
Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way. Consumer debt is not transferable ... the payment. The agency will report to the credit bureaus that the account is paid, if applicable [more...]
Date: 2009-01-14 13:00:17
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Identity Theft Leaves an Uncomfortable Sense of Nakedness
When identity theft occurs, the victim faces an endless paper chase contacting lenders and credit agencies. Even more so, these victims often feel violated, stripped of their privacy, left with an uncomfortable sense of nakedness. Their account balances, credit cards, debts and financial information are compromised and in most cases of identity theft, the thieves have run up bills into the thousands of dollars. [more...]
Date: 2009-09-01 20:35:17
Questions to Ask a Credit or Debt Counseling Agency (2)
5. What kind of security measures do you take to protect my information? It is important that the agency you select has sufficient security in place to protect your confidential information. 6. Can I get up-to-date, regular reports of the status of my accounts? If access is by telephone only, will a knowledgeable person be available when you call to give you the information you need? 7. [more...]
Date: 2009-09-06 01:51:21
How to Replace Bad Financial Habits With Good Ones
This is a guest post from Leo Babauta of Zen Habits. His first book, The Power of Less, was recently published by Hyperion ... full of things we don’t need, bills we can’t pay, and low balances in our checking and savings accounts ... situation? Some ideas: Impulse spending. Overuse of credit cards or other debt. Spending without tracking [more...]
Date: 2009-01-14 13:00:09
Holiday Cheer: Reality is Not All It's Cracked Up to Be
I am currently on blog holiday, and am re-posting some refreshing concoctions from Christmases past.Life. It's deep, right? ... surrounding (i.e. Shaolin), that credit card debt and those student loans aren't mundane, they suddenly ... told, cash ruling everything around me. These geniuses accomplish the impossible: they make Staten [more...]
Date: 2008-12-29 16:00:00
Smoothing Out Economic Wrinkles With… Botox
The economy may be in the tank, but some people are still willing to pay hundreds of dollars to look good ... , patients are reluctant to run up credit-card debt on a big ticket item like surgery. In a survey ... expenditure. As one dermatologist tells The Wall Street Journal: “Things are so bad that investments [more...]
Date: 2008-12-23 10:49:28
Confession Time Again
A reader tipped me off to an article (thank you!). The most interesting part of the article is a quote from a Christmas shopper: “This year, we’ve decided to just go for broke. Yeah, the economy might be in bad shape, and times might ... in credit card debt way back then. But the thing is - I still deal with those thoughts. Why [more...]
Date: 2008-12-04 02:39:48
Economy so bad National won’t take advantage?
Heat on public sector bossesPublic service bosses face renewed pressure to cut spending as Treasury warns the economy will stall this year and ... in the face of warnings New Zealand's credit rating will be downgraded if debt gets out of hand ... , plasma TV’s and cosmetic surgery on credit cards wasn’t sustainable (who would’ve thunk [more...]
Date: 2009-01-15 18:18:00
After my personal experiencing the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some advice ... Collection Agency: So finally I just want to introduce this website which can be helpful ... . The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]
Date: 2009-01-15 15:04:28
Lithuanian Collection Agency Hires Witch to Hunt Debtors
In these difficult times for creditors, a Lithuanian debt collector is offering an unconventional service to retrieve arrears: witchcraft ... , then there's something very wrong with this country," said columnist Monika Bonckute.Lithuanian Collection Agency ... witch, to hunt down companies and individuals who are failing to pay their debts amid the credit [more...]
Date: 2009-01-16 18:21:00
Sprint ETF Settlement a Raw Deal for Consumers: How you can (easily) fight back (Updated)
Sprint recently settled an Early Termination Fee (ETF) class action suit ... $25 credit on that debt, if Sprint has already sold the debt to a third-party (collection agency ... a bunch of branching paths, but basically it says that you are entitled up to only a $90 credit [more...]
Date: 2009-01-05 10:30:45
savings accounts in problem banks. Gen X Finance asks if you got suckered into a fake gas price hike from hurricane Ike ... Posts:A Credit Card Survey, Passive Income, Car Payments @ The Carnival Money Articles To Make ... 29. Rich Credit Debt Loan suggests ways to undo the results of financial trauma. Money Ning [more...]
Date: 2008-09-16 16:36:41
Free Money Debt Grants
Debt grants help individuals and families get the financial aid they need without filing for personal bankruptcy or destroying their credit or just making matters worse by using more lines of credit. We all know that pay day loans, for example ... in the future. Your credit will be destroyed. Debt counselors might be able to create good results [more...]
Date: 2009-01-14 12:24:03
Considering Credit Counseling?
by Rob Kosberg Although repairing your own credit is highly recommended, it is sometimes beyond what you believe to be our capability ... you will find an abundance of agencies with magical sounding claims about fixing your credit ... questions. You’re going to want to find out how the process may affect your credit report, debt [more...]
Date: 2009-01-11 17:38:53
Arrange Your Own Debt Consolidation and Save Money
Amazon.de Widgets Debt consolidation companies can and have provided excellent services to thousands who have had severe credit card debt and who were suffering financial problems as a result. However, these services are not free and also many people don’t like the idea of handing over their personal information to these companies. The solution: DIY debt consolidation. [more...]
Date: 2009-09-25 15:43:00
The Importance of Repairing Your Credit Report - Yourself!
It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]
Date: 2009-01-15 01:44:04
Taking A Wise Step on Debt Consolidation
Talking about recession and credit for a while take me further to browse about how many people are currently getting an overwhelming debt situation ... ! # Have One Easy, Low Monthly Payment # Avoid Bankruptcy # No Credit Checks - Bad Credit OK # Home [more...]
Date: 2009-01-14 23:54:55
Bailout Gets More Costly Due to “Bipartisan” Deal; Foolish Limits on Foreclosure Should Be Removed
Liberal Congressional leaders have apparently reached a deal with the Bush Administration on the principal elements of a $700 billion bailout of the ... student loans, car loans, credit card debt and any other ‘troubled’ assets held by banks.” ... . Although it is being sold as a “bipartisan” — a buzzword often used to push bad policies – Republican [more...]
Date: 2008-09-28 20:34:55
Weekly Roundup: June All-Stars Edition
Hard to believe half the year is already in the books. Time flies when you are having fun! ... Dad Second Stimulus Check Frugal Dad Square Foot Gardening How to Get Out of Credit Card Debt Frugal ... . 50 Things Everyone Should Know How to Do. I need to add air conditioner repair to this list. Ours [more...]
Date: 2008-07-05 11:00:32
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 ... , there have been a couple of which yield we report upon how to compensate off debt, together with credit [more...]
Date: 2009-01-16 02:40:29
The Many Problems With Bailing Out Big Auto
Resplendent in their private jets, Detroit’s auto executives have been pleading to Congress for a piece of the bailout mania ... . In the financial sector, collapse would lead to a chain reaction, as the bad debt cascaded ... of credit crunch, the market for new cars has declined precipitously. Moreover, U.S. automakers must [more...]
Date: 2008-11-20 15:07:15
Wall Street bailout: Congress 'must move'
by Mark Silva With leaders of both Democratic and Republican House ranks blaming each other for the initial failure of a $700-billion federal ... if the government does not act to unlock financial markets frozen by bad mortgage debt threatening a credit crunch at every level of the economy, threatening everything from home loans to car loans [more...]
Date: 2008-09-29 21:35:44
What You Can Do To Keep Your Credit Score Afloat
Are you ready for a fresh financial start this year? Here are a few easy ways to spring clean your credit score, and begin today to pay down your debt. Order a copy of your credit report. Consumers have access to one free copy per year from the three [more...]
Date: 2008-04-29 21:58:58
I WANNA A NEW DRUG... ONE THAT WON'T MAKE ME SICK
Some may say this is a bit of a rant, but I believe it needs to be said, and it's my blog, so I will say it ... 2. Credit card debt is at an all-time, unsustainable high 3. The banking industry is in total meltdown ... to see what happens? I'd like to offer another alternative... Pay Attention! Each [more...]
Date: 2009-01-15 15:52:31
Makers of Crap Sandwich Now Pitching It With 10-Percent More Corn
The big three automakers are back in Washington, trying to convince Congress to give them your hard-earned money so they can keep afloat businesses ... under the weight of an economic meltdown, the worst auto sales in decades and a tight credit market ... refinance their companies' debt, cut executive pay, seek concessions from workers and find other [more...]
Date: 2008-12-02 12:57:12
Poll Finds Massive 'Whining' in Florida, Ohio
In a new survey, Health Care and the Economy in Two Swing States: A Look at Ohio and Florida, National Public Radio, the Henry J ... . There's the collapse of the housing market and the decline in home values. Also, a credit crunch ... % Problems paying for food: 24% Problems with credit card/other personal debt: 23% Problems paying [more...]
Date: 2008-07-16 18:10:08
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
Taxing my patience
I don't know if you're like me, and devote part of every Sunday morning to making yourself feel sick ... for the Oatens (they'll be able to pay off their credit card debt in "only" 153 years if they follow ... , looking up from the Plymouth Argyle match report (he has a final salary pension, natch [more...]
Date: 2008-11-11 13:12:17
How Could You NOT Talk About It?
Everywhere in the blogosphere you’ll see people writing about finances and couples. The advice is the same, to be honest, etc. Here’s the thing ... on some of my ideas for fixing stuff. Usually he’s got an idea of what stuff costs and his own ideas about what he’ ... about my credit card debt about 8 years ago. Even then, that boyfriend wheedled it out [more...]
Date: 2008-11-18 14:33:33
Money Hacks Carnival #39
Looks like another another miscue in the Carnival Land ... Between Good Debt and Bad Debt posted at Rich Leverage. Some Helpful Tips To Not Abuse Your Credit Card ... for your participation. carnival Photo by Meagen via Flickr Credit and Debt Five Ways to Help [more...]
Date: 2008-11-20 03:25:15
Collector Threatens Jailtime Over Dead Debt [Debt Collectors]
Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... for the last 10 years. I have maintained a checking and savings account in addition to many bills ... there ridiculous yearly service fees, and monthly account fees in full each month helped boost my credit enough [more...]
Date: 2008-10-24 21:04:06
*Crosstalk Today*
The always fascinating Andrew Gause is with us on Crosstalk today to discuss Bailout Madness. Listen live here, 2pm Central ... you can just have the feds keep printing money and take care of everybody’s bad mortgages, everybody’s credit card debt from pizzas they ate 5 years ago, etc. OK, brilliant Americans, where do you think [more...]
Date: 2008-11-19 20:00:31
Everyone Needs a Messiah
Superman, Batman, Spider-man. However you want to slice it, we need heroes in our lives ... , not us personally, but we contributed to it. We bought a house at the wrong time, using a loan that would be considered “sub-prime”, ramped up our credit card debt, and we would love to see a Deus ex Machina come [more...]
Date: 2008-11-03 05:00:50
Roth IRA FAQ, Income Streams and Financial Q & A @ The Carnivals
new logo design is now over. As for which logo won? It was a tight vote between 2 logos. Now how about I surprise you all with it when I put it up? ... In Washington All Financial Matters: Oil Just Keeps Dropping! Rich Credit Debt Loan: How To Stop ... Decision Crackerjack Greenback: Personal Finance in the Bible: Proverbs 13:7 Ask Mr. Credit Card [more...]
Date: 2008-12-03 22:11:44
Another One Bites The Dust
Bankrupt Circuit City Stores Inc., unable to work out a sale of the company, said Friday it will go out of business - closing its 567 U.S ... such as KB Toys, Mervyns LLC and Linens ‘N Things into bankruptcy. Experts believe ... had been seeking a buyer or a deal to refinance its debt, but the hobbled credit market and consumer [more...]
Date: 2009-01-17 18:54:50
What to do if you’ve been turned down for a loan
Turned Down For a Loan? Improve Your Loan-Ability! This article was written by Becky House, Education Manager for American Financial Solutions. For more information about credit scores, budgeting or managing your debt, visit MyFinancialGoals.org or contact Becky at 1.800.894.3946. Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. [more...]
Date: 2009-09-26 14:37:00
Debt Collector Hires Witch
A Lithuanian debt collector has hired a witch to hunt down companies and individuals who are failing to pay their debts amid the credit crunch. Casting spells to collect debts [more...]
Date: 2009-01-18 07:50:14
Kennedy Refuses To Disclose Finances
Extremely wealthy and of famous pedigree, the Kennedy who wants to replace Hillary Clinton in the U.S ... jobs that required it. Kennedy’s hometown newspaper reports that she twice utilized loopholes to avoid ... , publicly available report disclosing her financial assets, credit card debts, mortgages, book deals [more...]
Date: 2008-12-23 15:12:47
Kelly McParland: The frightening fortunes of the New York Times
There's an old witticism that goes something like: "A recession is when your neighbour loses his job. A Depression is when you lose yours ... plausible. Earnings reports released by the New York Times Company in October indicate that drastic ... we have had with lenders, we expect that we will be able to manage our debt and credit obligations as they [more...]
Date: 2009-01-14 15:30:00
Oil Will Surge Again… Here’s 7 Ways To Profit When It Does
HIDDEN VALUE Dear Value Seeker, We hope you had a happy holiday. We’re on our way back to our home in Buenos Aires tonight ... to affect our ability to pay off our mortgages… and our credit card debt? As my dad, Bill Bonner, and his colleague James Dale Davidson have been warning in their emergency report, How to Survive [more...]
Date: 2008-12-29 23:18:40
The New Year Creates Fresh Opportunity for Resolving to Reduce Debt
Free Rapid Debt Reducer software and online advice at RapidDebtReducer.com provide big motivation for making a commitment today GROTON, Vt., Jan ... Jolley to the millions of Americans who are struggling with overdue credit card payments, defaults ... as support tools for eliminating debt,” Jolley says. “For example, customers can purchase a credit [more...]
Date: 2009-01-16 10:50:23
Paying off debt
I wish it wasn’t like this but money has a lot to do with simple living ... the life you want. Back in my spending days, credit card debt and a mortgage were normal parts ... leads seamlessly to another. When I stopped buying, I started creating. I made the things I needed [more...]
Date: 2008-08-18 06:38:00
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
Painful eyes
A lot of emails come my way every 24 hours. Some stand out. Like this one. Not just that she’s a realtor who likes me ( ... to holding mortgage and credit card debt to the tune of 75 Billion, they say well that’s normal that’ ... citizens have become. Not just because she now laments the influence of cheap credit and easy money [more...]
Date: 2009-01-17 03:17:13
Rent to Own
At first reading about this rent to own company it got me thinking that if only we have that in here as well ... used in many walks of life. And they even have growing consumers without jeopardizing their credit or debt! With this rent to own industry, you can rent just any kind of home items. And since [more...]
Date: 2008-06-27 23:30:45
Credit Crisis Prompts Upheaval at Buyout Firms
P.A.I.’s management revolt over the summer shows how private-equity executives are feuding over power, money and strategy after the credit crisis shut off the debt financing used to make acquisitions, Bloomberg News reported. Dominique Megret’s exit from P.A.I. follows the departure this month of Jon Moulton from Alchemy Partners, the London-based firm he founded 12 years ago, after a dispute over investment strategy. [more...]
Date: 2009-09-29 08:53:46
ING Direct $25 Electric Orange Account Signup Bonus And here are some of my favorites from Credit Addict (subscribe): Millions of Credit Card Numbers Compromised Earning Credit Card Miles in Unusual Ways No Fee 0% Balance Transfer Credit Card Offers Using 0% Balance Transfers to Dig Yourself Out of Debt Credit [more...]
Date: 2008-08-31 01:00:26
Friday: “You MUST pay the rent!” “But I CAN’T pay the rent.”
Suburban Guerrilla has this visual depiction of the consequences of Simon LeGree’s wage policies over the past 4 decades ... through some liquid assets in order to get back on my feet before I saddled myself with credit card debt and I still think this was the right decision. I only charge hotels and flights on my credit [more...]
Date: 2009-01-09 12:57:58
Free download of Suze Orman book
While considering financial resolutions, here's another option -- one that will save a few bucks on books ... within your means, rather than running up credit card ... debt leaves you better able to weather ... that infomercial phrase) -- the offer expires Jan. 15. Orman is a media darling these days, thanks [more...]
Date: 2009-01-09 18:42:18
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
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