Can Debt Consolidation Help To Overcome Credit Card Debts?

Are you looking for some inside information on being sued for debt? Here’s an up-to-date report from debt consolidation experts who should know. A debt consolidation loan enables you to reduce these high payments and avoid expensive loan penalties. Creditors will give customers with a good credit history a better rate to keep their business. Once you have rates as low, target the cards with the highest rates first, then work your way down the list. [more...]

Date: 2009-09-16 18:49:56

Blog posts (362) | Videos (395)
 

Family Finances: When you’re desperate, look out for fraud

At a recent home show, we were grabbed by a debt settlement company salesperson who offered to save us at least 40 percent in our effort to get ... Republican Searching For a Debt Consolidation Loan or Credit Card Counseling Service Beware Of Zombie Debt ... Collector? Bad Credit Debt Consolidation - Brutally Honest Advice Recent Debt and Foreclosure [more...]

Date: 2008-10-31 06:20:00

3 Things You Need To Do Before Consolidating Debt

Amazon.de Widgets Consolidating debt is a process whereby you combine all your debt into one, easy to manage, loan or payment, in order to get into the right position to start to consolidate credit debt there are some steps you must take first.Many people are facing terrible financial situations due to the global economic crisis and a great number of these people are looking at ways to ease the pressure on themselves, both mentally and financially, but how can they do this effectively?Well, up [more...]

Date: 2009-09-27 20:46:53

Air Chapter 11: 5 tips for surviving the bankrupt skies

September 27, 2009 If I were a bettin’ man, I’d put some money on a big airline filing for bankruptcy protection in the not-too-distant future.My oddsmaker is Robert Herbst, who publishes the Web site AirlineFinancials.com. “Based on my analysis,” he told me, “US Airways and United Airlines look to have the greatest challenges over the next year.”Enough of a challenge to push them off the Chapter 11 cliff? Perhaps. Point is, one day — maybe soon — you could be flying the bankrupt skies. [more...]

Date: 2009-09-27 11:08:03

Consolidate Debt Without A Loan

The Not So Wonderful World of Debt   The world is full of those who have fallen unfortunate prisoners of debt.  Debt is an equal opportunity employer and does not discriminate in reference to race, color, sex or creed.  Debt will attach itself to anyone, the young and the old, the rich and the poor.  Debt is the universal medium that we all share and can certainly relate too.  Everyone eventually accumulates debt.  Let’s face it our world revolves around it.  When you buy a home [more...]

Date: 2009-09-24 06:00:00

Like itâ Tell?? Sat Loan Modification scam before it costs you your home

The combination of a complex service, desperation of those who leave the service and a new, wide-open market with little regulation, the possibility for fraudsters to have the advantage of a situation that can bring a quick score with them. The biggest problem for the victims of fraud in the loan modification generally isnâ? T the money, itâ? S the effect of time and missed payments to foreclosure. In terms of sheer numbers, the frequency of the loan modification is limited to relatively low. [more...]

Date: 2009-09-28 10:57:42

How to Be Aware of What Credit Counselors and Consolidators are Really Offering

This is a guest post from Matt B . Matt writes about all aspects of personal finance at Financial Methods . Please visit the site and let him know what you think. If you are at a point in your life where you have realized that the debt you lug around behind you weighs you down too much, good for you. If you are stuck at the beginning of the battle and not sure where to go next, just know that there are plenty of options. [more...]

Date: 2009-09-28 11:01:51

The Best Ways To Consolidate Debt

Amazon.de Widgets There are a few ways to consolidate debt but as to which one is suited for any one individual depends on their personal financial situation. ‘What is the best way to consolidate my debt?’, is a question that gets asked all too often in the offices of financial institutions, and the answer will vary to reflect each individual case and financial situation.In order to find the right cure it is imperative to have all the details of the illness; so the first step you need to take is [more...]

Date: 2009-09-27 20:40:39

How Will An Unsecured Consolidation Loan Help You?

Amazon.de Widgets An unsecured consolidation loan is the ideal way to regain control of your debt, offering lower monthly repayments in an easily manageable single loan.When you are struggling with debt that has become uncontrollable either in the amounts that you have to repay each month or the spread of your repayment dates, a problem that can lead to missed payments and therefore a bad credit mark, it is time to look at consolidating them into a single loan therefore a single payment. [more...]

Date: 2009-09-27 20:07:15

Debt Management This Recession

You may have many unpaid amount of bills accumulated in your file. Are you simply finding ways to pay them up? However, you may be in front of a situation where you simply do not have any option other than to declare yourself insolvent. In such a condition, before declaring yourself a bankrupt, think again if there is any other way left out to get out of debt fast . In most of such cases, people find out debt consolidation loans to be a great alternative. [more...]

Date: 2009-09-25 07:16:32

Why You Should Seriously Consider Applying For A Credit Card Consolidation Loan

Amazon.de Widgets Credit card consolidation loans do exactly what their name suggests, and are becoming more and more common in the world of runaway credit card debt.If you own a lot of credit cards, then you have probably experienced times when, for one reason or another, you have struggled to make a payment, let alone make the minimum payment.Now, your reasons for this may be many; you were changing jobs so you had to wait for your probationary period to end before your first payday, or, as is [more...]

Date: 2009-09-28 11:35:42

Are You In Debt With Bad Credit Personal Loan

Getting ourselves into huge amounts of debt is something we Americans excel at for a long time. We do not like debt just like everyone else on this planet. However, we have made it a bad habit to acquire oodles of it as we age. So where does this chain reaction stop? Let me tell you.  This all end with bad credit personal loans. It does not matter if your credit currently stinks! You can get a loan to clear that debt burden once and for all. All you have to do to begin is to STOP spending, period. [more...]

Date: 2009-09-26 04:22:24

School Loan Consolidation Facts

by Sarah Taslkinsten If you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt . Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate. Even though there are many reasons why to consolidate your debt, one of the better reasons is to get a better rate. [more...]

Date: 2009-09-24 17:09:55

Credit Card Debt Consolidation Loans will Get You out of Debt Effectively

Amazon.de Widgets Credit card debt consolidation loans will help you to regain control of your debt and avoid filing for bankruptcy. However, you must first look at ways of lowering your debt through negotiating with your creditors. If you, like so many others, are finding that the pressure caused by increasing credit card debt is pushing you towards considering filing for bankruptcy it is probably time for you to start thinking about the damage such a move would cause you.Instead, start looking [more...]

Date: 2009-09-25 15:17:26

Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:56:40

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Credit Card Counseling Services

Have you been dealing with a high amount of credit card debt recently? Credit card debt is one of the most common forms of debt that people often find themselves in. With the economy slowly going down, people are often turning to their credit cards to get the financial assistance they need. Unfortunately, this means that more and more people are overspending more than they can afford. These generally mean that people aren’t able to repay the debt that they accumulate. [more...]

Date: 2009-09-26 18:23:05

School Loan Consolidation Facts

School Loan Consolidation Facts by Sarah TaslkinstenIf you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate.The economy has taken a turn for the worse and with that comes debt. [more...]

Date: 2009-09-28 14:43:16

Consumers' New Found Embrace of Savings Will Make for a Nasty Downturn

The blow to many Americans' net worth via diminished home values and shrunken retirement accounts has lead to a new found insecurity and ... by credit card companies, banks, and auto lenders getting more stringent and, where applicable, cutting ... are not particularly keen to extend credit to them. We have long warned that America's debt-fueled [more...]

Date: 2008-10-21 04:06:27

What Your Credit Card Says about Your Personality Type

This is a guest post from Jack B . Jack is a personal finance blogger at MasterYourCard and DebtLoans.com.au where he writes about credit cards and debt consolidation. You may think that your vanity credit card with pictures of puppies or your alma mater’s mascot is what helps the cashier at the grocery store peg your personality, but in reality, the features and terms of your credit card are far more telling. [more...]

Date: 2009-09-28 10:30:48

Debt Consolidation Companies Can Reduce Your Student Loan Debt

by Landon McGehee If you are a parent paying to send your child to college, or are currently trying to pay off your student loans, you understand how expensive college can be. Because it is so expensive, student loans are becoming more popular. With these loans come student debt consolidation services to help students manage this debt. Even if you are not studying abroad or going to graduate school, chances are you will graduate with more debt than students a generation ago. [more...]

Date: 2009-09-25 08:41:05

Personal Loan vs. Credit Card Debt – Weigh Your Options

Have you ever thought about paying some of your bills with a credit card? Not only do many people pay bills with charge cards, but a lot of companies encourage this type of bill payment. After all, having your credit card information on-file is a great way for a company to ensure that they are always paid on time. The problem with giving your charge card information to a company is that you may not be able to pay back that monthly bill. [more...]

Date: 2009-09-25 07:16:35

Why Bad Credit Home Equity Loans Are Your Best Option?

Amazon.de Widgets If you are one of the countless millions suffering with poor credit you may well struggle to raise cash for purposes such as debt consolidation. If you are a homeowner, a bad credit home equity loan may well be your lifesaver. A bad credit home equity loan is probably the best and easiest way to free up cash if your credit is poor and you need money to consolidate high interest credit card debt, make home improvements, or any other purpose that you require a sum of cash for.The [more...]

Date: 2009-09-25 15:06:42

Credit Counseling Debt Relief

Debt is often a very tricky thing to manage for most people. On one hand, debt is a good thing because it can allow you to leverage yourself financially, which in turn allows you to earn higher returns. On the other hand though, debt can often cause many problems financially for a lot of people. If you don’t know how to manage a lot of debt then it can often be very difficult. Bad credit card debt is the most common form of debt that people have. [more...]

Date: 2009-09-26 18:45:20

Debt Consolidation - Eliminate you debt through credit card debt consolidation loans & bad credit debt consolidation services

Amazon.de Widgets Reducing debt requires patience and try on your part. Individuals with good assign have some options for alleviating debt. If you have slummy credit, your options are limited. Nevertheless, there are individual structure to turn your debt regardless of your assign rating.Debt Consolidation and ReductionDebt consolidation is one of the easiest methods for eliminating consumer debts. Of course, you have the option of paying more than the monthly minimums. [more...]

Date: 2009-09-24 11:41:29

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

Senate Steineger Addresses Address to AFP Summit

We received this email from State Senator Chris Steineger earlier today, and we wanted to share it with you uncut and unedited ... , huge credit card debt for throw away consumer goods, and driving gas guzzler vehicles exemplify ... . Our government and its people have been living well beyond our means. The increased National debt, the federal [more...]

Date: 2009-01-14 20:07:00

The Role of Free Credit Counseling in Debt Consolidation

Get Started On Debt Consolidation Credit Counseling If You Have A Mountain Of Debt You should get started on debt consolidation credit counseling if you have behind you a mountain of debt to deal with.  Credit counselors can advise you on ways to deal with credit card companies to reach the best agreement for payments.  They may even be able to help you reduce your interest rates and waive expensive fees for late payments or going over the limit of the card. [more...]

Date: 2009-09-26 14:15:58

Avoiding Bankruptcy

Avoiding Bankruptcy completely would be best for anyone considering the options, however in some cases, ... to attain a loan again, for example, and it will in fact stay in big red letters on your credit report ... would be speaking with a credit counselor. They have the ability in helping you possibly consolidate [more...]

Date: 2009-01-16 02:11:52

My Credit Card Balance is Zero ? Now What Do I Do?

by William Blake Once your cards are paid off, it can be tempting to start charging again. But that’s the worst possible thing you could do ... . The only sure way to stay out of credit card debt is to not have access to any credit cards ... do, along with their pros and cons. *Some financial advisors say that if you keep your credit card [more...]

Date: 2009-01-05 23:24:50

Is Debt Management the only solution?

by Phillip Evans Are we in the UK drowning in Debt? According to the insurer AXA, some 11.6 million people (25 per cent of the adult population) ... are reported to be struggling to cope with mounting credit card bills and just over a million people ... respectively. The credit crunch could be blamed for the increase in corporate and personal insolvency [more...]

Date: 2009-01-09 13:18:26

Consolidate Your Bill.

Being a credit card owner, I constantly receive persistent calls from credit card telemarketers offering their newest products, ... to pay on time. This bill consolidation doesn’t only apply to credit card balances but it can also ... of absolutely no interest at all. If you have several smaller payables to different credit card companies [more...]

Date: 2008-11-14 07:37:08

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

Election 2008: Our Wish List for the President-Elect

Barack Obama's historic victory last night ensures that a change in direction is coming to the U.S. Department of Education and hopefully to federal higher education policy. Starting tomorrow, we will take a closer look at Obama's signature higher education proposals. (Got to give him at least a one day honeymoon, right?) [more...]

Date: 2008-11-05 19:25:07

How To Consolidate Your Debt

Amazon.de Widgets Many people are now looking at how to consolidate their debt in an attempt to improve their financial situations. Debt consolidation provides immediate relief to people suffering from debt related stress and anxiety but is only part of the process f dealing with personal debt.Many people are looking at how to consolidate debt in an attempt to improve a poor financial situation, and quite rightly too. [more...]

Date: 2009-09-28 11:04:32

Store Credit Cards: Not The Best Idea

If you shop at department stores or mall clothing stores, you likely know how the transaction will go ... . And when a salesperson tempts me with a credit card offer by waving that in-store discount in my face, I say “ ... can generally obtain a reasonable rate on a major credit card by simply asking. Store charge accounts [more...]

Date: 2009-01-07 18:58:51

Ask the M-Network: What to do if you’re deep in debt

Last week the M-Network rolled out a new feature:  Ask the M-Network.  This week, we’re going to answer a question about debt from one of my readers ... to know if this is credit card debt or some other debt - there is a big difference. If credit card debt, then you might want to think about going to a consolidation company who can work on your behalf [more...]

Date: 2009-01-14 12:00:07

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

Trouble in Banktopia By Mike Whitney

Dandelion Salad By Mike Whitney 09/27/08 “ICH” The financial system is blowing up. Don’t listen to the experts; just look at the numbers ... debt. Game over. The Federal Reserve itself is in danger. So, it’s on to Plan B; which is to dump ... dealers via the Primary Dealer Credit Facility, and through another facility created on Sunday [more...]

Date: 2008-09-28 00:14:57

Select a Cosigner for Getting Personal Loan

Getting personal loan with a cosigner doesn’t mean only to have the cosigner’s signatures on the form. It is basically getting the cosigner in confidence who takes the responsibility of repaying the loan if you create a default in it. A cosigner is one who helps you out in receiving a personal loan from the bank or financial institution keeping him in front of the bank or financial institution from where loan is taken. [more...]

Date: 2009-09-26 17:00:35

How to Become Debt Free using 6 Powerful Tips?

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... Your Credit Card Statements. On the one side, low interest credit cards offer an attractive offer ... one or more of them that consequently lead to a non-desired late in the pay and, therefore, your credit [more...]

Date: 2009-01-15 08:36:59

5 Fixes for Financial Woes Get Out of Debt Fast

This year we are not in a good shape when we talk about financial status. We expect too much of our farm crop ... and every debt. Include the debtor’s name, the amount of the debt, the interest rate, and the minimum ... . Put “bad” debts, such as unpaid high-interest credit card balances and payday loans – cash loans [more...]

Date: 2008-12-10 04:04:12

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]

Date: 2009-01-15 08:38:53

All About Choosing the Best Credit Card

by Mary Bush Michael, 25 years old and working in United States for past one year was on the verge of going bald from trying to figure out the best ... credit card for them. Balance transfer cards allow you to consolidate you debt onto one card, thus ... credit card among the tons of emails that he received almost daily about the “pre approved credit [more...]

Date: 2009-01-06 21:08:45

Equity Line of Credit:Is this the Answer to Your Financial Needs?

by Doc Schmyz We all know by now that home owners have a hidden savings account…its called HOME EQUITY ... Line of Credit? With a typical loan, which deposits a set amount of money in your account and begins ... asking for a new loan when you have paid it back. What can the HELOC be used on?? We can all find [more...]

Date: 2009-01-05 19:12:07

Bills, Bills, Bills!

We all know that bills are a fact of life. Survival alone requires us to pay bills such as electricity, gas, water and sewer ... you to improve you financial health and give you the tools to earn a more appealing credit score. They specialize in Credit counseling, Credit card debt, Bankruptcy, Consolidate debt, and Debt consolidation [more...]

Date: 2008-07-16 03:32:47

Whither Citigroup's $1.1 Trillion of Off Balance Sheet Assets?

It seems so long ago that the Treasury's failed effort to organize an SIV bail-out entity, the MLEC, ... Depression and rising home-loan, commercial-mortgage and credit-card delinquencies have begun to trigger ... U.S. banks, including Citigroup, are on the hook for at least $300 billion of credit and liquidity [more...]

Date: 2008-07-14 11:37:49

What 2 Things Are The Main Reasons Why Credit Card Consolidation Should Be Considered?

Amazon.de Widgets Credit card consolidation is an excellent way to improve credit card debt both by simplifying the management of your debt and the more importantly the amount you will eventually repay.Credit card consolidation will undoubtebly help if you have many credit cards and are starting to lose control of both your repayment schedules and the amount you need to pay to each card provider. [more...]

Date: 2009-09-29 11:41:23

If you've got $13,000 in bad credit card debt, ask for help!

bank of j. Or at least stop adding to it :) One of my friend's bf had been going slowly under in credit card debt for years now, ... bad it actually was. He was $13,000 in credit card debt, spread across 3 cards with interest rates ... me want to vomit when i heard that...can you imagine? it's one thing to have a lot of debt [more...]

Date: 2008-08-28 15:57:30

Lifestyle - Grow Green: 10 Tips for Personal Sustainability in Trying Economic Times

Alan Greenspan is calling it "a credit tsunami" that policymakers did not expect ... that will last, pay your bills, eat out less. Meantime, consolidate to one major card, close high ... away your credit cards for emergency use only Let's face it, spending is addictive, and having [more...]

Date: 2008-10-24 16:00:00

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