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

Blog posts (113) | Videos (145)
 

Debt Relief

Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]

Date: 2008-11-14 19:53:21

Debt Consolidation: Will It Help Me?

We are in uncertain economic times.Many are falling behind in mortgages, student loans, car payments and credit card payments ... clearly explains what bankruptcy, debt consolidation, third party credit counseling and debt settlement ... will negatively affect your credit score and cause an increase in credit card interest rates.One of the best [more...]

Date: 2008-11-30 20:48:00

Credit card crackdown coming soon!

The Fed is set to vote Thursday on a number of key protections for credit-card customers. Issue #1: America’s Money Crisis Oh Gee, Wow! ... to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT– Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even [more...]

Date: 2008-12-18 01:12:11

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

Medical Expenses A Common Cause Of Bankruptcy

The following guest post was submitted by Kevin, web content writer for Resqdebt.com. For more helpful tips on how to save money and stay out of debt, visit Resqdebt’s website at www.resqdebt.com . When Americans think of a person trapped in enormous amounts of debt, inevitably they think of irresponsibility. They think of fast cars and fancy stereo equipment. They think of people living the high life who could not afford it. In short, they think of a deadbeat. [more...]

Date: 2009-09-25 10:00:13

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

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

What Benefits do Non Profit Consolidation Services Offer?

Having financial troubles can be an anxious time; with bill and debt collectors constantly calling on the phone or knocking at your door. Being unable to make even a small contributory payment makes the feeling of helplessness even worse; it is at this time, or in the best case scenario, prior to this time, that one should start seeking or start taking some professional steps to get back onto an even financial keel. [more...]

Date: 2009-09-23 13:03:25

Home Loans - Repair Credit Errors in Three Days!

Most consumers are aware that a history of paying bills late or not at all can hurt one’s ability to obtain a loan. All financial transactions are recorded by three credit bureaus and offered to lenders upon request in the form of a credit report. That report contains the all-important credit score, which determines whether or not the borrower is a good risk for a loan. If you have a poor payment history, you could be out of luck when you try to obtain a loan. [more...]

Date: 2009-09-24 18:14:12

Credit Card Debt Consolidation may assist you

Amazon.de Widgets How could Credit Card debt consolidation assist youWhen you apply for a mortgage loan modification under President Obama’s Stimulus Plan, you may be asked by your bank to provide a good faith deposit. The Department of Treasury is warning vulnerable homeowners facing foreclosure, that a legitimate mortgage loan modification through this stimulus package does not require a fee paid to the lender.If you are in credit card debt and looking for a way to pay off your debt maybe debt [more...]

Date: 2009-09-22 15:24:30

Filing Bankruptcy Yourself

by Kevin Glanzer During the current recession, there are a lot of people who are declaring bankruptcy. This is due to various reasons and the most common of them are layoffs and medical bills. Due to economic slowdown, there are a lot of companies which are looking to cut costs and reducing the manpower seems to be the easiest way to do that. Huge medical bills are also one of the main reasons why people are going bankrupt. And this is not only for uninsured people. [more...]

Date: 2009-09-23 09:48:21

Understanding Consumer Debt Consolidation

Amazon.de Widgets Living today has never been more difficult and the fine line between keeping ones head above water and drowning has never been finer so it is hardly surprising that more and more people are looking to consumer debt consolidation programs for assistance.Consumer debt consolidation programs have increased greatly in number over the past three years as the requirement for professional counseling and guidance has become more apparent now than ever before. [more...]

Date: 2009-09-28 11:48:54

Learning About CESI And Being Debt Free

September 24, 2009 | By Imus Jackson In Finance | by Imus JacksonWith the economy in the state that it is in these days, more people than ever are deep in debt and cannot find the resources to get out on their own, or they have no idea how to start or where to start. There are many options open for people in these circumstances, and one of the most comprehensive groups out there with many offerings of help is CESI for getting debt free.CESI, which stands for Consumer Education Services, [more...]

Date: 2009-09-24 10:42:59

What Is Cesi Debt Free?

by Melinda Harni To help us out from our debts there are many forms of debt relief. The different companies that you can use to help you learn about debts and the way that they impact your life are numerous. Among these companies you will see the one that is called Cesi debt free. Together, all three websites provide all-inclusive information, complete with statistics and figures, in keeping with the CESI philosophy of empowering the consumer on financial matters through knowledge. [more...]

Date: 2009-09-23 13:15:32

Debt Consolidation and How to Overcome It

Debt is one of the major worry for many people. Many Americans are head to toes under debt and their numbers is on a rise. In such a scenario, debt consolidation has become a major escape route for everyone. People with multiple debts often use debt consolidation as a way of consoli dating their debts. Debt consolation is necessary not just to pay off your debts but also to help you negate bad credit that can really affect your financial situation. [more...]

Date: 2009-09-26 05:53:53

Identity Theft - Beware of Phishing Attacks!

“Dear Bank of the West customer”, the message begins. I’ve just received an e-mail message, purportedly from the security department at the Bank of the West. The message explains that certain features of my account have been suspended due to “suspicious activity” on my account. The message then provides a link that I can follow in order to fill out an online form confirming my identity. It’s certainly nice that Bank of the West is worried about the status of my account. [more...]

Date: 2009-09-23 19:20:00

Credit Card Debt Relief

September 22, 2009 | By Glen Pearson In Finance | by Glen PearsonCredit card debt plagues millions of households around the world and you could be one of them. With the economy struggling, people losing their jobs every day and the bills piling up faster than they can be paid many people are relying on credit cards to get them through.As for the options available for credit card debt relief, credit counseling can help determine the best option. The first two are my favorite. [more...]

Date: 2009-09-22 22:47:44

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

Get Your Credit Card Debt Paid Off

In an ideal world, the way to avoid debt is to never get in it. This is probably unavoidable as you are deep in debt as you read this. You may have liked the low interest rate when you first open the account. Then life happened and you had the charge everyday items on the credit card. And before long you found yourself suffocating from a massive debt load. In addition to credit card debt you may also have tons of student loan debt or medical debt. You could also have student loans from your college days. [more...]

Date: 2009-09-29 14:16:34

7 Don’ts for Fiscal Freshmen

( This is a guest article by Jack Busch* ) As a student, your financial picture is a bit unique. You have few assets and few hours to devote to a job, thus little income. You have little credit history (good or bad) but some limited access to revolving credit and other loans. Because of this, the years between matriculation and graduation are somewhat of a testing ground for your creditworthiness. [more...]

Date: 2009-09-23 08:59:15

Debt Consolidation and Reduction – Information You Need to Know

Amazon.de Widgets Why did you end up in debt?Never spend more than you earn. I’ve learned this lesson the hard way, and now I live and die by this way of life. Prepare a budget and keep it handy. Always have a good idea of the money you’re making, and where exactly that money is going when it leaves your hand. The reason you’re in debt right now is because you’ve spent just a bit more than you should have, and now you’re being punished for it. [more...]

Date: 2009-09-23 18:21:10

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

Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

U.S. NEWS : Debt Consolidation Loans for Credit Card Debt – Unsecured Debt Consolidation

Debt Consolidation Loans Once you find yourself being approved for a debt consolidation loans than you are going to be able to figure out exactly how much your total monthly payment is going to run you as well as for how long you are going to have to be paying it off to be debt free. The debt consolidation program that really have good success will usually aim to have you debt free in the span of three to four or so years typically. [more...]

Date: 2009-09-24 10:40:43

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

Ten Credit Mistakes People Make

Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live ... made with a little help on why to avoid these blunders. 10. Closing your paid off credit card accounts ... and close the account. The unused ‘credit available’ on that card will contribute to your credit [more...]

Date: 2008-12-24 13:39:30

How Using Credit Card Debt Consolidation can Benefit Debt Management

Amazon.de Widgets Credit card debt consolidation loans are an ideal way to regain control of your credit card debt. They are a proven method of debt management, lowering payments and simplifying debt control. Typically, a bad credit home equity loan is used for consolidating debt as they have low interest rates and are easier to gain approval for.Credit card debt consolidation is an option of debt management used by countless people as sometimes, the control of many credit card accounts can become [more...]

Date: 2009-09-25 15:14:39

The Secrets Of How To Consolidate Debt

If you find yourself facing a mountain of monthly payments and see your outstanding loan balances hovering at the exact same amount for months or ... consolidation method is to transfer high-rate credit cards to a lower-rate card. However, consumers ... even years, you may be wondering how to consolidate debt in a way that protects your credit score [more...]

Date: 2009-01-15 01:32:23

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

Negotiate Your Debts With Your Creditors

Debt negotiation can give you the breathing room you need to get your financial life back. The credit card banks made it easy to get into distress by offering easy credit. Your credit card companies will negotiate with you when they risk losing your entire account to charge off. With money tight, the credit card company gets paid last after you have paid the rent or for groceries. Negotiation offers you several benefits and you can do it yourself. [more...]

Date: 2009-09-24 13:34:09

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

Debt consolidation Best

In order to run our lives peacefully we require money. We cannot earn money through simple means nowadays. We have to struggle a lot to earn money ... . Most of the people face difficulties due to credit cards. For Credit card Consolidation, you must move towards Really Great Rate. They are rendering lots of debt consolidation services [more...]

Date: 2009-01-11 15:10:08

Debt Consolidation

Debt Consolidation December 29th, 2008 It is quite alarming to know that families find it hard to get by from day to day on average combined ... from and they have more than their loaned amount to pay from interest alone. Most credit card companies charge a whopping 400% interest per year if you aren’t really able to completely pay your credit card [more...]

Date: 2008-12-29 02:07:05

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

Needing Help!!

As I have mentioned in my earlier posts that I am now having a major difficulty in handling my credit card bills ... consolidate their credit card debts and also reduce interests; thus giving each families ... of not sending us money, I already incurred over dues and consistent follow-up calls from credit card [more...]

Date: 2008-06-23 11:44:44

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

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

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

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian business ... and score Home improvement loan maine Debt consolidation services Credit report credit score [more...]

Date: 2008-06-24 14:10:35

What Are the Services Provided by Debt Settlement Companies

Debt settlement companies are dealing with debt reduction and debt negotiation. They operate with a simple principle. They assist their clients to negotiate settlement with the creditors on behalf of the clients but in return, their clients have to pay back part of the benefits to the companies. A good service provider is able to use professional tactics to reduce their clients’ debts with lower interest rates. [more...]

Date: 2009-09-25 07:16:38

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

Simple and Smart Ways to Consolidate Debt

Looking for an easier way to manage your finances? Or perhaps a faster way to eliminate debt? Debt consolidation has helped millions of people ... of dollars on a credit card, doubling your payments may not be enough. To knock down the debt, you’ll ... consolidation can help. Zero Interest Credit Card/Balance Transfer Some people use credit cards [more...]

Date: 2009-01-01 18:39:34

Ohio Debt Consolidation

Debt consolidation may seem all but impossible now that Ohio lenders frequently require some of the best credit scores before they will extend ... credit. It has gotten difficult to gain access to credit. Debt consolidation loans are almost unheard ... credit. This can be nearly impossible if you are in debt, since 30% of the credit scoring formula [more...]

Date: 2009-01-14 17:31:15

Is it time for debt consolidation???

This is another interesting cycle in American economic cycle, were credit is dry for business and consumers for making purchases ... folks want to help you with debt consolidation plan that can keep your life under control. Credit ... of finance many folks are looking to Consolidate debt. This is normal and helps to save money [more...]

Date: 2009-01-13 04:56:53

Financial Freedom

New Year 2009 is finally here! I hope you had a great one as you celebrated the coming of 2009 ... their financial aspect. I believed Credit Card Counseling is one of the best solution for this kind ... . I saw a lot especially in the malls or grocery stores or any shops. I mean using credit card is not bad [more...]

Date: 2009-01-01 22:41:55

Tips To Avoid Personal Bankruptcy

Posted by on September 24th, 2009 at 04:04am If you are struggling financially then you may tend to believe that bankruptcy is your only alternative. It may seem like a great solution because it will get the creditors to stop calling you and will wipe the credit clean. However you should do everything possible to avoid personal bankruptcy. [more...]

Date: 2009-09-24 08:04:32

Get the Right Credit Counseling!

My credit card dues were mounting and I was wondering where I could get some advice on managing my debts when my friend referred me to visit www ... the client’s needs. In short the Credit Exchange helps you to find the best debt consolidation company ... .thecreditexchange.com for help. The Credit Exchange Corporation provides Debt Counseling [more...]

Date: 2009-01-13 18:49:43

helpful Knowledge Base For Personal Finance

by katie George If you are searching for information about instant unsecured loans, you will find the below related article very helpful ... and in some manner related to credit card deal; cash advance online, debt loans or Indiana bad credit auto loan ... the lenders who can lend you the appropriate loan. Unsecured debt consolidation credits [more...]

Date: 2008-12-25 21:29:41

Consumer Credit Counseling Services

Consumer Credit Counseling Services Consumer Credit Counseling Services is the most popular “service” known to consumers facing money problems ... rates, to interest rates on loans or standard Lines of Credit to something as trivial as a denial ... on debt repayment and learn how to create a budget to make their money behave. For many [more...]

Date: 2008-07-28 16:21:16

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