Credit Counseling And Bankruptcy

When the bankruptcy laws changed in 2005 mandatory credit counseling became a prerequisite for bankruptcy ... that asked about our debt, our budget, and our income. Since we had given that information ... complete, the software helpfully concluded that we had too much medical debt…..(Yeah…you think?? That’ [more...]

Date: 2008-12-01 15:39:25

Blog posts (114) | Videos (303)
 

Get Your Credit Report

One of the most important things a person can do to make sure their credit and financial health is in top notch shape is to make sure they stay on ... Ways To Improve Your Credit Rating Credit Card Debt Will Lead To Bankruptcy if not Careful Tips ... top of what's going on with their credit report. If you haven't taken a look at yours [more...]

Date: 2009-01-10 20:22:41

Credit Repair After Bankruptcy

by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... a new revolving line of credit such as a credit card. This will help you build some positive credit ... of available credit to debt. It may not be the most ethical [more...]

Date: 2009-01-07 23:54:48

Debt Consolidation Benefits

It has become a general truth within the society that credit cards have brought people into both modern lifestyle and potential cause of bankruptcy ... at debtconsolidationbenefits.com, credit cards and debt are something that cannot be separated ... . As you might notice, more people nowadays fall into a deep debt because of the usage of credit [more...]

Date: 2008-12-19 18:10:47

Are Bailouts Fair?

Paul Solman of The Business Desk on the PBS website received a question from an individual wondering if government money wouldn’t better be spent to pay off all of the outstanding credit card debt of Americans.  While to some extent we’ve already got a system to handle out of control credit card debt - known as bankruptcy, the thought [more...]

Date: 2009-01-08 23:46:33

Debt Settlement, Bankruptcy and Credit Ratings

by Eric Jilson Debt is often one of the largest expenses people may have. Paying off a debt should always be of a higher priority than savings and investments. It makes perfect sense that reducing debt quickly will result in a better return to consumers than putting [more...]

Date: 2009-01-08 14:53:06

Kayte Has Drained Her Savings And Can’t Pay The Bills Anymore

Kayte wrote to me through the GetOutOfDebt.org site and asked the following question ... your credit card debt through bankruptcy might be worth looking into. I’d suggest that you speak ... in credit card debt. Due to the economy, we both have experienced a substantial decrease in our income (i.e. [more...]

Date: 2008-11-11 22:11:33

The Best Online Debt Cures

Hello- If the thought of talking to a credit counselor giving them all your personal information sounds frightening to you, ... is one of the fastest ways to reduce your credit card balances without filing bankruptcy.  Many people ... in credit card debt, they can help you reduce your balances by up to 50% or more. Take a look [more...]

Date: 2009-01-08 02:17:08

Debt Negotiation and Dealing with Debt Collectors

Are you having trouble paying your bills? Getting dunning notices from creditors? ... budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt ... Are your accounts being turned over to debt collectors? Are you worried about losing your home [more...]

Date: 2008-12-18 14:29:10

FTC Helps With Your New Years Resolution to Manage Debt

Information from the Federal Trade Commission to Help You Manage Debt: Knee Deep in Debt Having trouble paying your bills? ... , consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy. Debt negotiation is yet another option. How do you know which [more...]

Date: 2008-12-30 17:45:34

Bid adieu to debts

The easiest thing that every human can do is to get into debts and have a troubled life altogether ... from debts only at a later stage. Credit cards have been the prime source that has dragged many to the bankruptcy. Credit cards debts are by far the most prominent since individuals or groups make [more...]

Date: 2009-01-10 02:11:56

Karl Marx

I have put this quote at the end of a thread , but it deserves it's own : " ... and technology, pushing them to take more and more expensive credits, until their debt becomes unbearable.The unpaid debt will lead to bankruptcy of banks, which will have to be nationalized, and State [more...]

Date: 2009-01-14 11:56:13

Financial Planners Weigh In On Debt Relief

Ever since launching this Bankruptcy in Indiana blog series, I've kept coming back to the topic of debt consolidation, debt settlement, ... between debt writeoff negotiation services, which "have a significant negative impact on your credit ... credit counseling, and debt repair, all forms of help being offered to debtors as alternatives [more...]

Date: 2009-01-14 12:13:43

Control Your Debt to Eliminate it Entirely

by Michael Geoffrey Although nobody’s goal is to get themselves into debt, the reasons it happens are varied ... on realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy ... for their services, these companies will personalize a debt consolidation payment plan [more...]

Date: 2008-10-20 13:17:42

How To Take The Challenge of Credit Card Debt

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:23:30

Learning to Deal with Credit Card Debts

Filing for bankruptcy is one thing that you should rightly dread in your financial course. This process will crush your credit status with many financial institutions such as the banks and it is in fact an embarrassing process that any one would not want to go through. One thing here is that thee are always some more feasible approaches to debt consolidation that can see you through your financial storms. [more...]

Date: 2009-09-20 00:26:44

How To Get Out Of Credit Card Debt On My Own

I am sick and tired about my awful state of financial affairs. I got sick back in January and as a result I had to leave my occupation ... up as they shall be overcome. Post from: Bankruptcy Articles How To Get Out Of Credit Card Debt ... t know what to do. I tried to call three of my credit card companies and was just told I needed to pay. While [more...]

Date: 2008-10-18 01:04:52

How to Avoid Filing for Bankruptcy

Bankruptcy is an ugly word in the financial world. But many people see it as their only way out of financial trouble ... . Instead, steps should be taken in order to pay back debts and clear credit, like debt consolidation ... is also affected by our society’s recent dependence on credit cards, as well as our debt to income ratio [more...]

Date: 2009-01-06 14:45:08

Funny video: telemarketing prank - adapt it for collectors

Permalink Page 1 of 440 pages 1 2 3 > Last » Search CreditSuit ... Debt buyer LVNV incorrect credit reporting of collection Categories Credit crisis deliberately ... 10-year old debt Bankruptcy filings rapidly increasing, California up 80% Perspective: poverty [more...]

Date: 2008-11-15 20:28:00

Control Your Debt to Eliminate it Entirely

Control Your Debt to Eliminate it Entirely Posted By Robert Billings on @ 4:43 am by Michael Geoffrey No one plans to get into debt ... from a reputable organization, debt consolidation, or bankruptcy. Your level of debt, the discipline ... be advisable to turn to a credit counselor. Although they do charge for their services, these companies [more...]

Date: 2008-10-29 09:43:41

So it begins with garnishment law

The first step was to pick a field and then to pick a very specific topic ... research and interpretation, bankruptcy law, multiple state jurisdictions, Federal preemption, debt ... . The field I selected was “credit card debt” contained within the general legal domain. “Credit [more...]

Date: 2009-01-06 19:07:34

How Do Lenders View Credit Counseling Services?

Typically consumers that have overwhelming debt have two options, either enter into a Consumer Credit Counseling Program or declare Bankruptcy ... Credit Counseling program for such reasons as it is more cost effective and easier to implement. Many credit card companies and creditors realize that it would be more beneficial to actually work [more...]

Date: 2008-12-09 00:04:36

Money, Credit, and the Law – Know Your Rights

That’s the title of a valuable new video narrated by Professor Richard Alderman, director of the Center for Consumer Law at the University of Houston Law Center. The video, consisting of easily digestible short chapters, provides help managing personal finances, dealing with credit problems and debt collectors, responding when sued by a creditor, seeking credit counseling, or exploring the option of bankruptcy.  The video can be viewed online or a DVD can be requested directly from Professor [more...]

Date: 2009-09-17 20:50:58

Anticipari?

De pe mail: “Owners of capital will stimulate working class to buy more and more of expensive goods, houses and technology, pushing them to take more and more expensive credits, until their debt becomes unbearable. The unpaid debt will lead to bankruptcy of banks which will have to be nationalized and State [more...]

Date: 2009-01-14 10:38:08

Conducting a Financial Triage

Nearly every day, we are contacted by debtors desperately seeking help and answers: "Do I qualify for bankruptcy?" "Will I lose my house? ... and lots of credit card debt might be better off in a Chapter 7 bankruptcy. In order to assess a debtor's ... , a wage garnishment or an eviction. Careful analysis of the matter is still required [more...]

Date: 2008-09-24 05:00:09

How to Find Free Government Grants

by Mary Bush Free government grants are available for you, if you need financial aid ... . About the Author: Debt Consolidation News Gold and Platinum Credit Cards ... credit. You can even apply if you had bankruptcy. There is no credit check. There are billions [more...]

Date: 2008-12-21 16:24:55

Life After Debt

By Alphonso Smith Bad credit hangs over your head like a deadly guillotine. Although it can be all comsuming, it can be overcome ... desirable credit, you may have given up on ever getting an unsecured credit card. The truth is that bad credit and bankruptcy do not necessarily deprive a person from obtaining a credit card [more...]

Date: 2008-12-15 20:03:13

Credit Bankruptcy - Essential Information

Someone once said that bankruptcy is essential in order for capitalism to survive ... (if not all) of the debt is forgiven. Are there any disadvantages? First of all, each future credit check ... into consideration for any person who intends to declare bankruptcy. The financial situation – being in debt – [more...]

Date: 2009-01-16 00:24:18

Foreclosures linked to 2005 Bankruptcy Reform law

For those readers not familiar with the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCA"), prior to October of 2005, unsecured debt ( ... of their credit card debt, and that would free up income to pay the mortgage. The new law blocks that escape route and forces better-off household to continue paying credit card debt, which makes [more...]

Date: 2009-01-13 16:03:13

Need a game to learn to manage your credit?

By Philip Brewer Everybody learns best in their own way ... under the fair debt collection practices act, debt collection agencies, bankruptcy (chapter ... calculators for budgeting, debt pay-off schedules, and the actual cost of items bought on credit. Among other [more...]

Date: 2008-09-18 11:51:03

Faux Marx

Faux Marx Laura of 11D says this quote is making the rounds of Wall Street ... , houses and technology, pushing them to take more and more expensive credits, until their debt becomes unbearable. The unpaid debt will lead to bankruptcy of banks, which will have to be nationalised [more...]

Date: 2009-01-14 18:43:29

Is It A Good Or Bad Thing That So Many Companies Are Going Out Of Business?

What exactly will 2009 bring us in terms of businesses closing down for good? ... $2.56 trillion in consumer debt, with the average household’s credit card debt amounting to $8,565 ... filing for bankruptcy or are already in it, so we won’t know if some of them make [more...]

Date: 2009-01-06 14:00:00

Falling Out Of A Bed That Gets Higher Every Day

The Herald Tribune reports from Florida. “Mark Brivik, a real estate investor who made a living buying, ... off her credit cards and ripped them up.” Still, even without credit card debt, Lesso is struggling ... for Chapter 7 bankruptcy protection. Brivik distinguished himself from other investors during the past [more...]

Date: 2008-11-24 14:34:43

Low Rate Loan For Poor Credit People

by katie George Sometimes bad credit history like unpaid debt, default, arrears, bankruptcy, ... ,home improvements or even for debt consolidations. About the Author: Finance Ideas Discover Gold [more...]

Date: 2009-01-02 11:36:14

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 ... what you are getting yourself into. Credit card debt consolidation companies must be of concern ... there are some ways of credit card debt relief. There are no instantaneous solutions [more...]

Date: 2008-12-20 06:19:18

Bankruptcy Bad Credit Mortgage Loan

The word bankruptcy gives rise to an image of utter helplessness ... one gets rid of all the debt problems in a short period of time. There are many debt elimination ... with multiple debt problems juggling with payments often consider bankruptcy. They feel it can offer [more...]

Date: 2008-12-03 04:00:19

Weekly Roundup and Carnivals

This week check out these blog carnivals and festivals I participated in ... , have an emergency fund, and no other debt like a car loan or credit card debt. Think Simple ... of Financial Planning 12-15-08 Carnival of Bankruptcy and Debt 2nd Carnival of the Economy, Debt [more...]

Date: 2008-12-19 14:30:27

Debt Consolidation Turns Your Savior When Ghosts of Creditors Haunt You Day in Day Out

Debt consolidation which is quite unheard before is alive and kicking more often nowadays to save your credit rating ... for bankruptcy. At this crucial juncture, debt consolidation is the only solution available to get you out of the shackles of menacing debts. The term ‘debt consolidation’ is usually defined as taking [more...]

Date: 2008-11-15 02:32:52

Tips to Avoid Bankruptcy

Tips to Avoid Bankruptcy Bankruptcy is not a process anyone wants to resort to ... too much can leave you with a debt worthy of bankruptcy.  Keep one credit card and get rid ... out incidentals like entertainment, eating out, and credit card payments.  Subtract this amount [more...]

Date: 2008-09-04 17:08:49

How to choose between Debt Consolidation or Bankruptcy

Unfortunately most people who have credit cards have so many that they spend almost everything they make in a month on paying those cards ... of trouble. The credit card company won’t come after you right away, first they add a late fee ... the companies are calling threatening you with lawsuit and wage garnishment. You now have two options [more...]

Date: 2008-12-16 05:11:37

get out of debt forever

DO NOT consldate your debt Elimiate It!!! Legally Removee yur credit card and other unsecured debt * WITHOUT evr making another payment to our ... ://zvyRpu.spaces.live.com/ This IS NOT: * Bankruptcy * Conslidation * Or refinancng of any kind Vist ... houshold nsecured debt to pply. * |\/|stt be a US resident.... [more...]

Date: 2008-10-23 05:40:20

The Irony of Bankruptcy. The More You Have The Better It Is.

I came across an article by Ann Woolner, “Buy a Beach House for Shelter When Going Bankrupt” that was absolutely spot on ... credit-card debt. You can modify student loans. You can modify debt on a yacht,” points out Levitin ... . “Current law permits modification of any type of debt in bankruptcy except for a single-family [more...]

Date: 2008-10-17 14:54:46

Is the credit card bailout real?

Until you actually see it happening, it isn’t real ... card debt collections. Credit card industry data indicate the average debt discharged in Chapter ... the rule. While a deal may help avoid credit card cancellation or bankruptcy, it will also lead [more...]

Date: 2009-01-06 08:34:26

The first law that should be repealed in the United States is the 2005 Bankruptcy Bill: Will Obama eliminate debt slavery?

Our centralized government representatives would like us to believe that the subprime mortgage crisis was not expected, however, ... American citizen from this scam? In 2005, they created Debt Slavery by passing The Bankruptcy Bill. After years of lobbying, the “dream bill for credit card and financial service companies” finally came [more...]

Date: 2008-11-17 18:10:02

CITI Drops Opposition to Cramdown; May Help Homeowners to Avoid Foreclosure

Citigroup and key Senate members reached an agreement on Thursday that will bring the Helping Families Save Their Homes in Bankruptcy Act one step ... can be reduced by the court including credit card debt and, ironically, mortgage debt on vacation homes ... closer to passage. The proposed law, introduced by Senator Durbin (D-IL) in the Senate and Rep [more...]

Date: 2009-01-11 15:27:40

Holiday debts again... Can I file for bankruptcy more than once?

You have filed for bankruptcy once before and hoped that by using the skills you learned in your two credit counselling sessions, ... who has had debt problems in the past, they are incredibly disappointed to find themselves in this situation ... already. In our corner of Ontario, one problem many local people here in Cambridge are facing are lay [more...]

Date: 2009-01-16 00:11:27

Ultimate Debt Guide - Get Out of Debt With Debt Consolidation?

by Ash Ford How to get out of debt by not filing for bankruptcy or by signing up to a long-term debt relief plan which has the potential to push you ... truth about the credit card game is clear to me now and you’ll learn why numerous people remain in debt ... and be in over your head with loans, credit cards, car payments, mortgages etc. Finding a way [more...]

Date: 2009-01-15 02:47:14

YouTube & Leadpile Lead Exchange

... Business cash advance Credit card processing Equipment leasing Internet marketing services Web design ... repair Debt consolidation Debt settlement Tax debt relief Bankruptcy Student loan consolidation [more...]

Date: 2008-12-17 14:49:18

2005 Bankruptcy Law Finance Industry Sought has Strangled Economy

Was the banking industry screwed over by its own bankruptcy law? It sure appears to have hurt the economy.. ... that escape route and forces better-off households to continue paying credit card debt, which makes ... .“Before the reform, overindebted households might file bankruptcy and get rid of their credit card [more...]

Date: 2009-01-14 04:35:33

Credit Card law questionable

There’s no shortage of blame for the mortgage crisis that drove the economy into the ditch ... Act of 2005, households could erase their unsecured debts by filing for Chapter 7 liquidation ... the reform, overindebted households might file bankruptcy and get rid of their credit card debt [more...]

Date: 2009-01-13 10:09:00

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