If your credit card…

…balances are high, and you are considering bankruptcy, you should negotiate your credit balance with the card company. Usually they will waive some interest and fees to have a lump sum payment. You can also hire a debt consolidation company to do this for you. [more...]

Date: 2009-01-11 01:41:19

Blog posts (105) | Videos (165)
 

Time to Celebrate!

I don't have much time to write, but I needed to update to say -- I just got a major promotion and am extremely excited about what that means all ... , I can save quite a bit of money. I paid off my small credit card debt the other day, with my next ... I might have got it right this time. Negotiation for more money was a little awkward (when isn't [more...]

Date: 2009-01-08 09:38:32

Should You Hire a Debt Negotiation Service?

In times of financial crises, the looming problem of debt becomes much clearer In the United States of America especially, credit card debt is the primary type of debt experienced by citizens [more...]

Date: 2009-09-23 02:27:11

A Formalized Chapter 13 Repayment Plan

A Washington State Chapter 13 bankruptcy is type of “payment plan” bankruptcy ... . If utilized and crafted properly, a Chapter 13 should enable you to catch up on your unsecured debt ... of our clients first attempt to negotiate an informal payment plan with credit card companies and their other [more...]

Date: 2008-12-27 15:58:40

Financial Trouble? Consider Debt Negotiation

by Daniel Atolben Are you drowning in debt and finding it difficult to make your monthly payments? ... to a collection agency. Since credit card companies won’t be getting all the money that you’ve agreed ... Even if you’ve had no problem controlling your debt in the past, there may be something unexpected [more...]

Date: 2008-11-25 18:51:14

Five Ways to Consolidate Your Debts; or is There Another?

Debt consolidation is always tricky and if you don’t go by the rules, you might land up in great trouble ... the 20%-plus you’re now paying to the credit-card company. 5. Negotiate with others: This final bit ... . First of all you must remember that debt consolidators are not doing everything [more...]

Date: 2008-12-20 18:24:33

Credit Card Debt Consolidation In Pittsburgh

It goes w ithout saying that the negotiating alternative is meant for people that have more debt than they can handle.To get debt help today and bec 1 Vote(s) [more...]

Date: 2009-01-12 07:37:53

Can debt negotiation organizations be of assistance?

The most rapid and least expensive program to get out of debt besides chapter 7 bankruptcy is to negotiate your credit card debt. There are a plethora of ethical debt settlement companies doing a good job that could aide you in negotiating your accounts down to the lowest amount possible. What they do is reach your collectors and honestly go to battle, looking to have the account look as if paid in full for a sum drastically lower than what was owed before. [more...]

Date: 2009-09-19 19:14:59

Can Collection Agencies Sue Me For Outstanding Debt?

Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]

Date: 2009-09-29 11:34:48

How to Research Debt Collectors & Understand the Law

This is the first guest post in a special How to Fight Debt Collectors series on Bargaineering.com. So you’ve received a debt collection call or letter… In this day and age where you have rampant foreclosures, layoffs and job losses, it is simply inevitable that an individual may come across a debt collector, and frankly even without these external factors, it may just happen by a chance wrong number or even being related to someone going through a hard time financially. [more...]

Date: 2009-09-28 11:02:18

What is Debt Reduction Credit Card Consolidation?

Amazon.de Widgets Credit cards, some would say, have created a massive debt issue, leading to an increase in the number of people using credit card consolidation and various other forms of debt management. The introduction of credit cards has, without question, been a success story for the financial institutions as the convenience factor has basically pushed the use of paper money into the modern day equivalent of the dark ages!It seems there is nothing we cannot buy with plastic nowadays but, [more...]

Date: 2009-09-22 21:07:25

Debt Settlement

These are difficult times and it is absolutely common to also find to much people loaded with enough of debt without guarantee and of debts of the credit card. You must know that these debts attract very heavy types of interest and the stiff fines are imposed before delayed payments. It is obvious that one cannot go ignition to pay these debts especially when there are losses of work and many do not have a regular monthly rent. [more...]

Date: 2009-09-22 17:14:17

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

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

What Is Debt Relief And Can It Help You?

by Ben Davies It is tough today, certainly as tough as it has been in living memory. For many there is the ever increasing problem of debt and it drags them down with higher and higher repayment schedules. This is the reason that the debt relief industry has grown so much. There are many people that have really been helped by the services provided, but there are also many who have been ‘helped’ by low quality companies that are attracted to the industry to make money. [more...]

Date: 2009-09-23 08:27:24

Credit Card Debt Consolidation Loans for a Reduced Interest Rate

Amazon.de Widgets Credit Card Debt Consolidation Loans for a Reduced Interest RateIt is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. Credit cards unfortunately have this friendly usability factor that sucks us all in and generally, we all end up with a high credit card debt very, very quickly.The problem is that these debts are difficult to manage well, especially if you are working on a budget. [more...]

Date: 2009-09-22 15:10:33

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 Tips for Establishing Qualifying Credit for Home Equity &

7 Tips for Establishing Qualifying Credit for Home Equity & Mortgage LoansAccording to Experian, a credit measure is a series lenders have have use of of to assistance them decide: “If we give this chairman a loan or credit card, how expected is it we will get paid behind on time?” The inform from your credit reports is used to emanate your credit score. Your credit measure will continually be a pass part for low seductiveness rates when subordinate for a debt or home equity loan. [more...]

Date: 2009-09-22 11:22:18

Do Your Finance Homework Before Signing that Auto Financing Contract

by Terry U. Vostor It is not buying the automotive product - be it car , truck, SUV or RV . Its not that the product in question is a brand spanking new automotive product straight from the car factory. Or that is a year old off lease U drive or similar product purchased “pre-owned” from an auto dealer. Or that the car or truck is even a “late model” vehicle. Often the biggest hurdle is getting past the auto financing and extended warranty routines. [more...]

Date: 2009-09-23 21:33:07

My latest post at the Young Mathematicians Network blog is on how to get from graduate school to your first academic job without hopelessly screwing ... , and so on — on credit cards at 15% to 18% interest. My indebtedness went even deeper ... -interest debt, after telling myself I’d finally be able to afford nicer things once I had a job [more...]

Date: 2008-12-14 18:42:56

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

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

Best Way to Release Ourselves from Debts

One of the major problems the society must face is debt. The debt can be varying from loan to credit card debt. According to my perception, credit card is the major cause of debt because with credit card, we often forget our spending budget and spend more money that we should. With the credit card, we are tending to buy all things we want, not all things we need. As the result, the societies, including us are having a difficulty to escape from debt circle. [more...]

Date: 2009-09-22 13:11:52

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

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

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

What Debt Consolidation Information Can Be Trusted?

Amazon.de Widgets Debt consolidation information can be conflicting, this could be because many companies are in it for themselves and will tell you one thing and others, are there to give you the best deal and assistance they can. But which are which?Debt Consolidation Information can be overpowering initially, especially if your knowledge of financial products is limited. [more...]

Date: 2009-09-28 11:08:25

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

Emily’s List: 'Poor' musician edition

Happy Friday! Today is the birthday of several music greats; Joan Baez, Jimmy Page, Dave Matthews, and even AJ McLean of the Backstreet Boys ( ... of the composer Johann Strauss. This week's credit card roundup of posts from around the personal finance blogosphere celebrates famous musicians and their questionable experiences with credit cards [more...]

Date: 2009-01-09 15:30:21

How to Get Out Of Debt

One of the most frustrating financial situations for a consumer is carrying unnecessary debt ... you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score, especially ... credit card debt, experience emotional stress that can make it difficult to enjoy other areas [more...]

Date: 2008-05-03 02:32:47

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

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

Gates of Vienna News Feed 11/16/2008

Don’t miss “Letter From Iceland” under the “General” heading. The most concentrated essence of the financial crisis can be found in Iceland, and the account of recent events there is fascinating — and sobering.Thanks to C. Cantoni, Conservative Swede, Diana West, Insubria, JD, no2liberals, RRW, TB, and all the other tipsters who sent these in [more...]

Date: 2008-11-17 04:57:00

Using Credit Cards

Almost everywhere we turn we see advertisements for us to get hold of another credit card so we can spend and get those things that we love ... of non profit debt consolidation companies who include credit card debt management in their services ... vacation, we can all take advantage of the extra funds that using a credit card brings [more...]

Date: 2009-01-15 15:06:03

Legal Helpers vs Transforming Debt Into Wealth Course - A review of two popular debt elimination programs

Transforming Debt Into Wealth Review A person deep in difficult financial situation and is desperate for a solution tends to grab the first ... elimination. In his program called “Transforming Debt Into Wealth” he will teach you to focus ... their exclusive services to help people get out of their debt.  Depending on the type and amount of debt [more...]

Date: 2009-01-15 07:35:31

Debt Negotiation

If you would like more information on debt negotiation then this is the article for you. We will be talking about how negotiating debt is basically an agreement between you and your creditor, how you will be successful if you understand how credit card companies work, and how debt negotiation leaves a lasting impression on your credit report. After reading this article, you will have a better idea if debt negotiation is right for you. [more...]

Date: 2009-09-25 06:01:34

Authorized Users, Debt Settlement and Negotiating When You’re Unemployed

One of our readers, Jaclyn, had this question for us: If I removed an authorized user from an account, ... amount and attempt to settle your debt. However, most companies do not like to tackle debt settlement ... the offer to the collection department. Just be aware that if you do go past due in order to settle [more...]

Date: 2009-01-09 15:16:56

Restructuring Business - Rebuilding company policies and methodologies means taking a

Restructuring Business - Rebuilding company policies and methodologies means taking a Our recommended procedure for turning around your business ... debt negotiation and an ABC coupled with a dump-buyback are better alternatives. Receivership ... debt arbitrator as a positive development. (A) the person you owe unreasonably refused to think [more...]

Date: 2009-01-08 14:54:07

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

50 Ways to Save $1,000 a Year

Looking for ways to save money this year? Want to boost your savings in a tough economy with little effort or pain? Good. I’ve got 50 (fifty) ... of loot. Raise Deductibles. Get out your policy and raise the deductibles on your car and home ... your insurance costs by about 40 percent. Buy a Cheaper Car. Pimping in a flashy vehicle? A smaller [more...]

Date: 2008-09-03 03:37:35

Weekend Roundup- The Best of Think Your Way To Wealth 2008 Edition

Another one bites the dust! Another year, that is. I started Think Your Way To Wealth in February of 2008, ... to Money? Use Extreme Measures to Eliminate Your Debt or Increase Savings March 30 Ways To Stretch ... With Your Frugality April Lower Your Medical Bills Through Negotiation, Cost Comparison, and Haggling Lies We Tell [more...]

Date: 2009-01-05 04:19:16

Midnight Meanderings – Back To The Basics

Site Redesign - I’ve tweaked the look of No Credit Needed .  I hope you like the larger text and less-cluttered layout. From No Credit Needed – The first four articles in the Back to the Basics series - How To Eliminate Credit Card Debt How To Maximize Or Minimize Interest How To Stay On Track How To Stay Out Of Debt From No. [more...]

Date: 2009-09-27 01:29:13

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

"The $10 Trillion Hangover"...

You gotta read this...(Apologies and thanks to Harper's, etc.)The $10 Trillion Hangover: Paying the Price for Eight Years of BushBy Linda J ... , trade deficits, and debt have reached record levels. Unemployment and inflation ... , 5 million more Americans have no health insurance. Consumer debt has almost doubled, and nearly [more...]

Date: 2009-01-11 13:21:00

A Review of Debt Consolidation Advice

Have you ever annoyed with a lot of debts such as utility fees, credit card payments or even your personal bills and loans? ... from the heavy debts and bad credit score. I introduce you Debt Consolidation, one of the biggest debt ... calls by your bank or your lender always disturb you. It sounds terrible. If you wanna become debt [more...]

Date: 2008-12-15 14:00:53

Carnival of Debt Reduction, Thanksgiving Week Edition

This Thursday is Thanksgiving in the United States. If you’re traveling, please do so safely ... with a quickie on how not to abuse your credit cards. Destroy Debt lists over six dozen ways ... have to use your credit card for things. Debt Free Destiny asks how freely your cash is flowing. Credit Card [more...]

Date: 2008-11-24 07:42:18

Credit card debt relief

Credit card debt relief Most of the people who have suffered or are suffering from bad credit loans are either full of apprehensions about the ... tips given below, you can easily reduce your credit card debt, which will eventually help ... rate if they find you as the part of federal credit card debt relief program. However, it is preferred [more...]

Date: 2008-12-15 07:47:05

Authorized Users, Debt Settlement and Negotiating When You’re Unemployed

One of our readers, Jaclyn, had this question for us: If I removed an authorized user from an account, ... regularly reports your account activity to the credit bureaus then the removal should be reflected ... amount and attempt to settle your debt. However, most companies do not like to tackle debt [more...]

Date: 2009-01-09 05:11:55

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