What You Should Do To Find Out About Raising Credit Rating Before You’re Left Behind

The recent rise in consumer debt has many people in this country struggling to get credit of any type, however, ... to get a loan or credit card but invariably these cost the consumer more because of their situation ... for lenders with low credit loans. What most consumers do not realize is the more often you apply [more...]

Date: 2008-11-25 14:10:28

Blog posts (366) | Videos (193)
 

Why not just give US the money?

Lame Duck Teasury Secretary Henry Paulsen insisted on talking again today, as did his boss, sending the markets south, ... the risk that big investors took when they bought junk credit card and mortgage debt. Then, magically ... toward consumer loans in the form of credit cards, auto loans and student loans, as well as some forms [more...]

Date: 2008-11-25 19:38:09

Consolidation Loan Choices Make Choosing Easier

by Daniel Atolben Debt consolidation loans were created solely as a means for putting all the debt together, or consolidating it, ... takes your debt total, and through many different types of loans, can, with the appropriate credit ... with the highest credit rates. Home equity loans are also valuable to a consumer interested in debt [more...]

Date: 2008-12-25 14:11:33

Debt Management Tips

Debt Management Tips September 24th, 2008 Subscribe To Our Feed Personal loans can offer individuals a way to have the funds for an array of ... with personal loans is debt consolidation. Within a year most people who use personal loans for this find ... of your credit cards that you place into a consumer debt manage [more...]

Date: 2008-09-24 04:09:25

Is Debt Consolidation The Right Choice For You?

by William Blake Debt consolidation means to combine several small debts into one single payment per month in order to lower monthly payments or high interest rates. Typically, consumers will consolidate credit card debt, medical bills ... rate and create payments that are more manageable. Keep in mind that for debt consolidation [more...]

Date: 2008-10-27 12:23:33

Weighted Average Cost of Capital Doesn't Include Everything

Or: Figures don't lie, but Liars Sure do Figure! We've got a lot of people with loans in the low fives, interest rate wise, ... : $350,000 first at 5.25% $100,000 second at 8.5% $50,000 consumer debt at 12% This person then used ... that there's enough equity in the property to absorb the full amount of excess debt without PMI. Robert [more...]

Date: 2009-01-11 17:50:23

Collecting Past Due Accounts in an Erratic Economy

(Finance News and Information) The recent large spike in consumer debt has many business owners struggling to adapt to current conditions and unclear ... and damaging their reputations during this nationwide financial crisis Leading debt collection...... [more...]

Date: 2008-11-19 08:26:10

The Not-So-Great Depression

I’m going to keep reporting sales trends for as long as economic ruin remains the foremost topic on everyone’s mind ... consumer. Curio City has no debt, but after paying Q3 payroll and sales taxes it hasn’t got much cash ... and I keep an iron grip on my financials. My conservative, no-debt, bootstrap business model looks [more...]

Date: 2008-10-17 16:25:00

MortgageNewsClips: On Risk Models, Dow Chart, Credit Cards and Colleges, OC Prices Off, Russian Socialism, David Merkel, Cram Downs, Buying Bonds, Bank Spreadsheet, Fannie and Indy, Mark Perry, Protect Me, 4 more, Ira 3-Fer

       Risk Modeling Section - models don’t always work! - 2 important articles: 1 ... Trap Unspoken Link Between Credit Cards and Colleges - JONATHAN D. GLATER - … Hundreds of colleges ... consumer debt —  the arrangements have sounded alarm bells, and some student groups are starting to push [more...]

Date: 2009-01-06 00:15:07

Things Change (For Some of Us)

I was listening to a podcast of a batch of talking heads recently ... of demagoguing can erase them. These aren't opinion, but the kind of statistics that tell the tale of the Bush ... $50,233 Unemployment rate 3.9% 6.7% Consumer debt [more...]

Date: 2009-01-05 22:59:38

Mortgage Mania 26 - …And Henry Giveth Again

You would have to be living under a rock to have missed this today, so here is a newsflash for all you subterranian dwellers ... up mortgage assets, consumer credit card debt and car loans. In his article, “Fed bets $800 billion ... securities backed by auto loan and credit card debt. Hmmm, let me see if I get this straight [more...]

Date: 2008-11-26 04:30:52

Emily's list: The blogosphere's 12 best credit card items of the week

It's Friday, which means it's time for some link love ... prestigious credit cards, 10 ways you can quickly shed that debt, and a frightening story about arbitration ... of a consumer in a credit card case. Rich Credit Debt Loan helps you decide if hidden fees are preventing [more...]

Date: 2008-09-12 13:55:55

Best Web Sites to Learn About Consumer Law Issues -- Our Chicago Consumer Attorneys Can Assist You in Your Lemon Law, Predatory Lending, Auto and RV Fraud, Unfair Debt Collection, Unfair Wage Practices Claims and Other Consumer Rights Lawsuits

[ consumer%20protection%20m-Chicago%20Consumer%20Protection%20Attorneys%20--%20Chicago%20Consumer%20Protection%20Lawyers%20--%20Chicago%20Class%20Act ... get them into even more trouble Managing credit card debt Stopping eviction, lockouts and utility ... while you get back on your feet. When you cannot ignore a particular debt without serious [more...]

Date: 2009-01-04 22:18:05

book memery

meme stolen from ]agent_alpo: Rules: *Grab the book nearest you. Right now. *Turn to page 56. *Find the fifth sentence ... to be a consumer debt if it is not based on a profit motive." (this is what happens when i do this meme ... to me is collier's annotated bankruptcy code pamphlet.) [more...]

Date: 2009-01-15 21:34:31

Consumers Never Had It So Good

Consumers Never Had It So Good By Catherine Rampell With job losses and mounting debt, consumers have been anxious, depressed and angry ... from old Sears and Montgomery Ward catalogs, he has been comparing the prices of typical household [more...]

Date: 2009-01-15 01:32:12

An argument for consumer debt forgiveness

Not a good one, but an argument nonetheless:  A better sollution is to figure out a way to get people out of debt, perhaps make it easier and less stigmatizing to go bancrupt on credit cards, or start forgiving ... the extra debt. So who takes the loss, the banks or other creditors?  [more...]

Date: 2009-01-15 18:25:42

Criminal Charges: Volume XVII

About the author: This guest article is presented by Jeremy M. Simon, who writes for Taking Charge. Jeremy’s articles focus on payment card and debt trends impacting consumers. Thanksgiving ... edition of Criminal Charges, my weekly roundup of news items combining payment cards and crime [more...]

Date: 2008-11-24 12:30:59

Game On

I was on Newstalk Radio's Down to Business show with Mark Mortell earlier. We talked mostly about consumer debt and spending - and the prospects for the latter in the year ... the turbulence of the early 1990s. Mobiles boomed after the dot com bust. The obvious candidate this time [more...]

Date: 2009-01-10 16:37:40

Becoming Debt Free

Becoming Debt Free Posted By William Blake on @ 9: ... balances, especially credit card debt, experience emotional stress that can make it difficult to enjoy ... more for the items you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score [more...]

Date: 2008-11-18 21:10:43

Credit card debt and a bad market are hurting debtors

Recently here in the superpower country the United States of America we are sensing the full blown result of what a economic slump can do ... in unsecured credit card debt are also the ones who are going through the most hardships. People should ... . These methods include the world renowned consumer credit counseling (CCCS), credit card debt settlement [more...]

Date: 2008-12-14 16:07:23

Bubble Economics: Did we Learn our Lesson?

Have we really learned our lesson? We must open by addressing the fact that we support all methods and creative fiscal devices promulgated to ... a U.S. unemployment rate of 7.2%.The debt-riddled, exasperated consumer refuses to spend amidst this backdrop [more...]

Date: 2009-01-12 20:27:00

Debt Managment and Debt Consolidation Loans For Bad Credit

Amazon.de Widgets What is debt consolidation but a way to financial freedom with positive actions to bring about resolutions of high interest rates, late fees, over the credit line fees, etc. and see ones balances decrease instead of increase with positive impact on the credit rating. The question is frequently asked by consumers who find that answers to accumulating debt are on the wire and something has to be done. [more...]

Date: 2009-09-22 05:45:34

Consumer deleveraging: only just begun?

Yesterday, the Federal Reserve reported that outstanding consumer credit for November fell a worse-than-expected $7.9 billion, lending support to the notion that the consumer is deleveraging. However, based on the accompanying graph of year-over-year changes in consumer credit and mortgage debt relative to GDP [more...]

Date: 2009-01-08 06:26:08

Market flat

Jump to CommentsMarket song o’ day: Where There’s Smoke There’s Fire ... Consumers Have Finally Learned That Debt Is Bad.Some Citi units are going to sleep: Citigroup may be broken ... anyone think there’s an instant cure (other than Larry Kudlow and Stephen Moore)? Stimulus will take [more...]

Date: 2009-01-13 21:02:57

== The Debt Elimination Industry is BOOMING! ==

Credit Card debt is at an all time high, in fact it’s up to 2.8 Trillion Dollars. This means Millions of Consumers are in debt & need help! ... from harassing collectors. A service like this could be priceless. Click Here&gt [more...]

Date: 2009-01-16 03:52:10

New Labour’s path to power is shattered

The Glasgow East byelection result is another nail in the coffin of New Labour ... at a time when the credit crunch and rising prices mean that the post-Thatcher settlement is being ... , to crippling consumer debt and insecurity at work, and on to the dysfunctional inequality [more...]

Date: 2008-07-25 15:13:18

Will CES 2009 Weather the Economic Storm?

Technology’s biggest consumer technology show, CES, will kick off in a few days, ... levels of consumer debt and falling home values. Since then, the severe drop in consumer spending [more...]

Date: 2009-01-04 17:00:04

DrumBeat: December 12, 2008

U.S. Northeast Heating-Oil Delinquent Bills Top $100 Million (Bloomberg) -- Heating-oil dealers in the U.S. Northeast have more than $100 million in unpaid bills from residential and business customers after fuel prices rose to a record, a consumer-debt service found. The money is owed by customers [more...]

Date: 2008-12-12 13:55:16

Why So Little Self-Recrimination Among Economists?

Why is it that economics is a Teflon discipline, seemingly unable to admit or recognize its errors? ... well know, prices rose at an accelerating pace), rising levels of consumer debt, stagnant average [more...]

Date: 2009-01-12 09:21:07

Help Yourself

Tons of American consumers struggle with debt problems and don’t know where to turn for help ... and your rights when dealing with debt collectors. ... . Thankfully though, people are able to find debt relief from places [more...]

Date: 2009-01-06 05:03:04

Tony Boeckh: It's time to open the money spigot

Jim Flaherty, the Finance Minister, continues to receive a lot of conflicting budget advice ... to pay down debt. Monetary policy alone cannot turn this situation around. It doesn’t matter how ... . Businesses and consumers are trying desperately to pay off debt and to survive. To prevent [more...]

Date: 2009-01-08 01:36:11

9 Ways To Cope During Troubled Times

“The only thing permanent is change.” —Immanuel Kant ... , in turn, bring my overall consumer debt up, up, up. I have since learned from my mistakes. “ [more...]

Date: 2009-01-14 16:33:48

Credit Card Issuers See the Writing on the Wall: Forgiveness of Debt — they also got paid in full through securitization, so there is no obligation owed to them

Credit Card Companies Willing to Deal Over DebtBank of America says it eased off on more than 700,000 credit card holders in 2008, ... to foster the explosive growth of consumer debt in recent years, credit card companies are realizing ... and card companies are bracing for a wave of defaults on credit card debt in early 2009 [more...]

Date: 2009-01-05 00:34:25

UK: Number of Payday Loans Up 130% in Ten Months

The UK, which like the US went on a binge of consumer debt creation, is similarly in the hangover phase ... of up to £1,000. Payday UK demands that £125 be repaid for a £100 loan, or £937.50 for a £700 loan ... . Individuals are increasingly resorting to the refuge of the desperate, namely, payday lender [more...]

Date: 2008-06-26 02:09:45

Foundations of Crisis

Foundations of Crisis Posted by Roger on January 14th 2009 Guest Article By Doug Casey, Chairman, The Casey Report, Casey Research, LLC ... if the amount of consumer debt out there, mostly accumulating at 18% interest, is any indication. One point [more...]

Date: 2009-01-15 01:50:29

Indian Debt Collectors Feel Sorry for Americans

Debt collection of American consumers is one of the fastest-growing sectors in Indian outsourcing. "It's like people are totally drowning," said collector Omkar Gadgil, 24, who goes by the alias [more...]

Date: 2008-10-15 13:01:22

Friday morning links

TOP STORIES Rate cut from Japan, Barclays seeks funding - Reuters Nevada, Michigan, Florida lead 'underwater' list - AP Housing plunge: ... is more likely than many assume - MarketWatch Banks, consumer advocates urge U.S. to allow credit card debt ... it feels so bad - CNN/Money Economic data point to the start of a recession - LA Times Recession Ghost [more...]

Date: 2008-10-31 13:20:00

Foodie Philanthropy

Don't get me wrong, Christmas is a great time of year ... consumed, and the amount of credit card debt I've racked up buying gifts and decorations, I always ... not only your money but your help: Bread for the World This Christian organization advocates [more...]

Date: 2008-12-23 21:42:59

Walmart CEO Thinks Consumers Have Finally Learned That Debt Is Bad [Poll]

Retailers are hoping that the credit crunch ends and consumers will start spending like crazy again — but Walmart's CEO Lee Scott doesn't think ... , if you're going to have the same immediate desire to go back to consumption and debt," he said [more...]

Date: 2009-01-12 18:50:54

Reining in Harmful Credit Card Practices

By Karen Harris,  Supervising Attorney Medical emergencies, unexpected events, job loss, ... risk” consumer’s ability to pay off credit card debt may be exacerbated by the likelihood of unexpected ... or other credit card debts pay higher interest rates or have other penalties or restrictions placed [more...]

Date: 2009-01-09 18:20:42

2009 Freedom from Tax Year--A bold solution for the U.S. economy.

This is big, bold, and out of the box thinking. There is something in it for everyone to love and to hate ... their mortgage, reduce their consumer debt, eat out at a restaurant, travel, invest in their business, buy stocks [more...]

Date: 2009-01-08 16:05:27

Izo’s Professional Product Reviews

Features reviews on various consumer products including those for computer monitoring software, debt relief, learn french, affiliate marketing,web design, and foreign language education. Offers consumers detailed analysis of top-selling products in each industry. [more...]

Date: 2009-09-29 11:21:05

Military Debt Consolidation

Debt has become a way of life especially after major holidays where consumers rack up credit card debt. While many people have heard of credit counse 2 Vote(s) [more...]

Date: 2009-01-14 12:49:13

September 30th, 2008 - Help Stop Debt Harassment, Learn Your Rights!

Obtaining credit can be fairly simple. If you have a steady job, an acceptable debt-to-income ratio, and no history of serious credit delinquency, ... Responsibility of Debt Collectors or other Furnishers to the Consumer Reporting Agencies. Procedures in the Case [more...]

Date: 2008-09-29 05:38:41

Get More Happy

.fullpost{display:inline;}Image Source : http://misc.mortgagebrokers.ie/images/blogimages/debt_free ... of them feel the lack of money. Sometimes they take on bank debt or other places to meet their needs. Fortunately there debt settlement programs which are very useful for consumers in helping them [more...]

Date: 2008-12-23 13:49:00

The Median Wage Problem

Can the rich keep getting richer while median wages drop? ... on top of a continuing increase in consumer debt. None of those things are sustainable, though [more...]

Date: 2008-12-17 13:00:01

Erase 50% of Your Debts You Owe Legally and Ethically – Beat the Recession!

Fact: It is now legal to erase 50% of your debt that you owe to any financial institution, however Americans have been educated by their creditors and so they stay in debt until they retire. Card debts of $10,000 will take an average consumer 40 years to pay , interest rates are that high. [more...]

Date: 2009-09-15 06:01:19

Doug Casey: We've Just Begun "The Greater Depression"

This is a guest article by Casey Research Founder and Chairman, Doug Casey. Enjoy! ... and slanted. And they must not think very much about the future either if the amount of consumer debt [more...]

Date: 2009-01-13 23:08:00

Retailer Bankruptcy Filings Expected

From the WSJ: Wave of Bankruptcy Filings Expected From Retailers in Wake of Holidays ... U.S ... in the current downturn after a decade of buoyant consumer spending, which encouraged them to overexpand ... much debt and tighter lending standards ... the BK attorneys will probably be busy! [more...]

Date: 2009-01-12 01:29:50

The Last 30 Years Weren’t Good For America’s Financial Picture

by William Blake The answer to that lies in remembering just what we were like in the late seventies, and where we are now ... mainstream consciousness with the advent of electronic payment processing. Credit card debt ... a credit card became a little tougher. Consumers in the late seventies were by and large cash [more...]

Date: 2008-10-29 15:56:05

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