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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: 2009-09-19 12:42:52

Blog posts (133) | Videos (196)

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

Awesome Financial Calculators for Microsoft Excel

I was recently accosted by my credit card company about my autopayments to my credit card ... calendar and everything.  Heres what we are going to do: Lower my interest rate on my credit card ... .  They were made by a group called Vertex42. Credit [more...]

Date: 2008-11-18 22:11:28

How To Pay Off $14,330 In 20 Months

Written by Ben Popken Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: “This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of [more...]

Date: 2008-10-07 18:29:39

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

Winners and Losers from Current Economic Situation.

In the current economic situation we have Low inflationLow PoundVery low interest ratesDeclining output / rising unemploymentWinners include: ... is not rising ( at moment). In theory people with credit card debts should benefit, but, in practise, banks have not passed rate cuts onto those paying credit card debts. Interest rates are still around 16-17 [more...]

Date: 2009-01-13 06:40:00

New Regulation on Credit Card Unfair Practices Approved

This week, the Federal Reserve, the Office of Thrift Supervision, and the National Credit Union Administration, ... or Practices, by financial institutions in connection with consumer credit card accounts and overdraft ... until a payment is over 30 days late. I always understood credit card rates to be variable, meaning [more...]

Date: 2008-12-20 18:34:48

Take stock of your debt and get the right advice

With the New Year coming around many people are getting their New Year’s resolutions sorted out, ... to a 0% balance transfer credit card. If you have a range of credit cards and loans that you are repaying it may be worth considering Finding a 0 percent balance transfer credit card or a low rate [more...]

Date: 2009-01-13 07:00:17

Beware of Debt Reduction Advice

In a recessionary period like the one we are experiencing today there is a natural increase in personal financial turmoil ... associated with servicing such debt at very high interest rates, in particular credit card debt ... , the victim’s debt has actually grown. The credit card company has written off the debt resulting [more...]

Date: 2008-12-12 11:00:20

'¡Carguelo a mi cuenta!' campaign retreats among Mexican banks

Mexico's love affair with high-interest credit cards appears to have been a short-term romance ... one. As the country deals with its own economic slowdown, Mexican banks are seeing higher rates of credit card default ... , it shouldn't be a big surprise that credit card defaults are on the rise in Mexico. Considering that many [more...]

Date: 2009-01-09 13:34:02

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

I have a new 0% credit card

clownfish2 Before you close your browser and stop reading, let me explain… I have my credit card payments set-up for auto-bill pay ... goes wrong.  About 6-months ago, I received my statement for my Bank of America credit card ... up, and immediately went online to begin looking for a new 0% rate card. 0% Discover Card I had heard really great [more...]

Date: 2009-01-07 11:29:54

10 Tips on Saving Money

Tip 1 ” Although credit cards are a convenient way to pay for things they can lead to trouble if you cannot afford to keep up with the total repayments. Interest on credit cards is often offered at an extremely low rate for the first few months and increased dramatically therein after. Debt can quickly spiral out of control and become unmanageable for many people therefore it is sometimes necessary to consolidate all of the debt into one manageable package by engaging in one small low cost loan. [more...]

Date: 2009-09-19 11:18:31

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For you to own a credit card, you should first know what are credit card rates? What is an APR? What are the different kinds of rates? ... to be nothing more than a fraud. This might seem ridiculous to other people coz how can you possibly listen [more...]

Date: 2009-01-15 20:33:57

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

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

Debt relief Deals “attack on the confidence of consumers”

How’d you to your monthly credit card payments and loans - guaranteed? ... said Carol creditors can lower their interest rates. Carol, who can pay their credit card, mortgages ... rate or reduce the amount you are liable. But beware! Some of these programs are debt relief Scams [more...]

Date: 2008-07-18 10:38:03

U.S. Debt Consolidtion Company - Right Place To Consolidate Your Credit Card Debt

Amazon.de Widgets Credit card debt is something that over 47 meg Americans are currently experiencing. There has never been a time where so many people are in debt and creditors of unsafe debt are becoming rattling worried most collecting. Delinquent accounts are increasing at unprecedented rates and creditors are thence agreeing to rattling generous debt consolidation in order to collect at least a small proportionality of their money. [more...]

Date: 2009-09-18 11:12:16

Scotiabank offers some finacial advice for Canadians

These are some of the items that Scotiabank has offered to Canadians in order to improve their financial situation ... such as higher rate department store and other credit cards. Inform yourself about interest rates and options ... have a financial plan, now is the time to get one that emphasizes debt management and map out your short [more...]

Date: 2009-01-09 09:57:00

Keeping Your Mortgage Interest to a Minimum

When it comes to buying a home and taking out a mortgage, the fact is that the interest you pay will likely be your biggest expense ... things you may not have thought of. Before applying for a loan, many people close credit card ... their lowest interest rates for those with the very best credit scores and credit histories [more...]

Date: 2009-01-15 02:50:33

Reader Pays Off $14,330 In 20 Months With Our Tips [Debt]

Stuck in a $14,300 debt hole, reader Trixare4kids was able to dig herself out using tips she learned about on Consumerist.com ... it all in 20 months. She writes: "This morning I made my very last payment on $14,300 in credit card debt ... credit card company and tried to negotiate for a lower rate. I was successful with a lot of them. In once [more...]

Date: 2008-10-06 20:35:27

Financial Relief Available for Active Military Members

If you are a military service member called to active duty, ... the debt. "The average credit card rate is over 12%, so cutting your rate in half ... to get out of credit card debt much faster" says Bill Hardekopf, CEO of LowCards.com and author [more...]

Date: 2008-10-31 16:16:29

Credit Spiral

So, say you’ve had a good relationship with a credit card company and been paying off substantially more than minimum payment over recent months ... from the credit card company saying they’re reducing your credit limit, right before Christmas. Would ... of our house leading to a less positive debt ratio report from a credit rating agency [more...]

Date: 2008-11-26 19:39:28

Debt Consolidation: Now’s the Time

By: Catherine Brock The Roman Empire fell in 476, and the Berlin Wall came down in 1989 ...  out your debts and their respective rates. With the help of a credit card payoff calculator, compute the total ... to combat inflationary pressures. Domino effect If interest rates do rise, credit card debt and debt [more...]

Date: 2008-06-23 15:08:21

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

Handling Your Debt - What Tax Implications Are There?

by William Blake Sometimes when considering different ways to handle debt some fail to consider how some options may have a better tax benefit than ... to finance just about anything - an auto purchase, repayment of credit card debt… you name it. Even if your home equity loan has the same interest rate as your credit card it is still the better [more...]

Date: 2008-09-18 18:16:28

Is Your Credit Application Affected By Your Job?

The following is a guest post by Tisha Tolar. Special thanks to Tisha for filling in while I’m on vacation ... to a new credit card company to avoid increased interest rates or to consolidate card balances, make ... for and obtain. Now, the application process of a new credit card is much less guaranteed. For many [more...]

Date: 2008-12-01 14:29:30

Debt Elimination

Debt Elimination Almost all employees I know have at least one or two credit cards which they use for buying clothes, groceries and many other things. It’s been a practice to use credit card payments ... rates. If everything fails then seek help from debt consolidation company who will advice you on so many [more...]

Date: 2008-09-04 13:19:08

50%+ rally in the stock market but situation is getting much worse

We have enjoyed a +50 percent rally in the stock market yet this rally has been unable to create private sector jobs or stem the economic pain for most. Millions have seen their bills skyrocket, credit card interest rates hiked, hour’s cut, wages slashed, and are dealing with an accelerating decline in home prices (FL) and pitiful stock portfolios. In order to get a sustained recovery, consumer spending (70% GDP) will have to rebound sharply, which is not going to happen anytime soon. [more...]

Date: 2009-09-29 12:17:40

The Effect Of Credit Card

by Mike Carbeck If you’re looking to get a credit card, be sure to go over the terms with a fine-toothed comb ... your credit rating, and are also in danger of falling into debt .You need to compare the companies ... for your money. Many people fall into debt because they charge too many luxuries onto their credit card [more...]

Date: 2009-01-14 11:03:30

Breakaway from Bad Credit!

No more bad credit! Outtadebt.com has helped thousands of people just like yourself get out of high interest rate credit card debt and other high interest monthly payment loans through their bill consolidation loans. One type is through ... type of loan , in a sense, compared with the popular credit card that everyone seems to have nowadays [more...]

Date: 2008-11-27 17:51:51

Read More Information About IVA inside this Blog Publication

One of the most widespread causes of numerous debts occurrence is considered to be the excessive and unthoughtful use of credit cards. The only way in which one can avoid such debts is through reducing the use of one’s credit cards when paying the charges. In fact repaying all the debts gives one an awesome feeling. Also the credit score is much improved along with the reduction of the debts level, giving you an opportunity for having lower rates on possible future credits. [more...]

Date: 2009-09-27 21:55:32

Don’t Let Debt Become a Burden on Your Life

Many of us enjoy using credit cards. It sure does make life a lot simpler when buying something ... want to consider unsecured consolidation loans to help with the burden of credit card debt ... . The trouble with credit cards is that you have to pay off the debt quickly or interest rates [more...]

Date: 2008-12-23 20:16:38

Getting Finances in Order

When the husband and I talked about our goals this year, one of the things we agreed about is to pay the balances on his credit cards immediately ... . The two cards have both running interest rates that are quite high so it is a smart decision to clear them as soon as possible. We have ... [more...]

Date: 2009-01-15 17:35:39

Why stop with capping payday loans? Banks are just as bad.

Obviously, banks have better lobbyists than payday lenders, why else can someone who has no problem charging $37 ... than $300, yet, credit card balances can be several thousand dollars. Which is worse, missing a payment on a credit card and having your interest rate go from that low intro rate of 15.9% to 29 [more...]

Date: 2008-06-07 13:02:45

Debt consolidation loans

This is non profit organization that inquires about or aims to help people who have multiple debts and how to deal with it ... rating. You can also terminate credit card debt without consolidation. You can find the details on their site upon how a certain person get terminate his or her credit card debt eve without having [more...]

Date: 2008-09-21 05:00:13

Compare Credit Cards After the Holiday

With the holidays almost upon us it is without question that many of us went over the top in terms of spending this year, ... loans that will cover all of our debt. But what many people will do in terms of making things a bit easier, freeing cash flow, and lowering interest rates is to consolidate all credit card debt onto [more...]

Date: 2008-12-18 20:00:57

Re: Edwards to speak publicly again

Senator John has been a modern day Paul Revere. I remember his July 2007 Coopers Union speech where he tried, oh so gently, ... national laws protecting us against the worst abuses in credit markets predatory mortgages,abusive credit card terms, and payday loans with interest rates of 300 percent or higher. Finally [more...]

Date: 2008-11-11 06:22:53

Getting Out Of Debt The Old Fashioned Way

Many people these days are struggling with debt that they cannot afford ... excessive credit card debt cut up their credit cards. While for some this may be a much needed thing ... there are debt consolidation plans that sometimes result in negotiated lower interest rates and balances [more...]

Date: 2008-12-26 21:00:36

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Luscher, colors have deep psychological significance that go back to our primitive, unconscious roots. Along with these growing sales is a rapidly growing amount of fraud. You will find that if you get reeled into getting a credit card with a low introductory rate, your interest rate may increase [more...]

Date: 2009-01-15 12:34:35

Why Those In Debt Choose Consolidation Debt Programs

by Lee A. Beattie Whether we are or are not in a commercialized recession is for the administrative officials in Washington to debate about, ... and interest rates as credit card debt is fundamentally an unsecured debt so in that respect ... of services aid you with debt consolidation. They will act on your behalf to consolidate your credit [more...]

Date: 2008-08-22 12:55:34

Top 5 ways to ease the strain on household finances

by katie George The onset of the global credit crunch across the UK last year, combined with the after effects of a series of interest rate rises, ... your debts. If you have a range of higher interest debt such as credit cards, store cards, and high ... out for any hidden costs or arrangement fees though. 4. Get a more appropriate credit card [more...]

Date: 2008-12-20 10:17:47

How Our Gutless Media Helped Trigger the Credit Crisis

By Trudy Lieberman, Columbia Journalism Review. Posted November 20, 2008 ... on a card issued by another lender. This practice has caused credit-card rates for some people ... and helping to pile on debt that has contributed to mortgage foreclosures. But then-Governor Eliot [more...]

Date: 2008-11-21 01:28:57

Making Sense of Your Credit Report

by William Blake If you are trying to do the smart thing and take a look at your recent credit report, ... score. There is also credit card counseling services ... you will be extended any credit with a good rate of interest, if you were looking for a debt [more...]

Date: 2008-10-03 16:23:30

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... out your credit card number online when you were making a purchase. It is possible that some unscrupulous ... on credit as long as you can pay for it eventually. Aside from cleaning up your credit, build a savings [more...]

Date: 2009-01-15 03:41:35

Advanta Credit Card Scam

by John Monderine I sit at my desk completely frustrated with Advanta. I opened up a business credit card with them 3 years ago and made a purchase of $6500 to help ... sense. They should lower my rate if they think I will default on my credit card. How will an increase [more...]

Date: 2009-01-12 09:01:11

No Credit Mastercard

In these current times in spite of a poor credit rating it is still feasible for an individual to obtain a credit card from the multitude that presently exist. Nonetheless, individuals who are now in a poor credit situation will learn ... a no credit mastercard. In reality the primary question is regarding which one you should choose [more...]

Date: 2009-01-15 20:41:42

Why Internet Marketers Love The Global Recession!

Internet marketing experts are thriving today as never before; ... out the storm on credit. Credit card companies are lowering limits and/or raising the interest rates ... -to-Consumer business is just as bad, if not worse. Millions of jobs have evaporated in the past year alone [more...]

Date: 2008-12-31 05:02:24

Help a Reader: Funding College

Here's a question I recently received from a reader: Should I take a new Stafford Loan for school, or just put it on a credit card? CC rate is 5.9% Student Loan is 6.8% Each 6 month term will be around 3k. I'm looking at 4 terms to finish. The tax benefits of the Student Loan are interesting, but I'm not sure how great they will really [more...]

Date: 2008-08-26 19:46:10

21 Ways To Save Some Cash By Letting Your Fingers Do The Walking

The twin mantras of a great personal finance strategy is to make extra money and spend less than you earn ... your credit card company. If you’re maintaining a balance (and hopefully working to become debt free), call your credit card company and ask for a lower interest rate. The national average is around [more...]

Date: 2009-01-07 06:01:46

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