Personal Credit Card Counseling

Personal Credit Card Counseling January 7, 2009 at 5:00 am · Filed under Credit Card Consolidation div style=’float: right; width: 100px; ... the services and programs offered that can help someone to resolve a financial crisis./font/divpAll ... to do it or we don’t take the time. Either way, it can lead to debt overtaking our income and ability to [more...]

Date: 2009-01-07 10:00:36

Blog posts (161) | Videos (269)
 

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

The Return of Layaways

With the economic crisis looming over the new year, retail stores are now thinking of alternatives to offer their consumers, who are by now experiencing the credit crunch. More and more credit card companies are helping ... the item unless it has been paid for in full. It is really the exact opposite of using a credit card [more...]

Date: 2008-12-27 09:01:13

The Upside of Business Credit Cards

A recent credit card article focused, in my view, disproportionately on the negative aspects of using a business credit card to help fund your small ... to debt that haunts you long after the business is an unfortunate memory, regardless of where [more...]

Date: 2008-11-19 00:18:01

Back to Financial School

by Mary Bush Can it be?! It’s hard to believe, but millions of people are preparing to go back to school already ... . About the Author: Debt Consolidation Help Cash Back Credit Cards: Let Your Credit Cards Pay You [more...]

Date: 2009-01-02 10:53:48

The Wonders of Consumer Counseling for Debt Management

John Cummuta Reviews Many people fall into the trap of mismanaging their debts and oftentimes find themselves in debt far off than what they ... to consider consumer counseling services. The first thing that will be required of you is to list down ... . Consumer Credit Counselors can help you with your credit card problems. They can revoke interest [more...]

Date: 2009-01-15 01:17:33

Help a Reader Payoff Debt

Last night I got a call from a friend looking for some financial help. He has $14,300 in debt and has a goal to be debt free by November ... Details Here are the details of his debt: Personal Line: $3,500 balance @ 15% - $7,000 limit Credit Card ... Plan When Does the 0% Credit Card Really Expire? The Great Credit Card Debate Continues…. Debt [more...]

Date: 2008-06-24 13:29:39

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

How A Consolidation Loan Can Help You

by Mike Carbeck Misusing credit cards is the main reason people run into uncontrollable spending and find themselves facing large payments combined ... cards, however this is where the similarities end. These loans will roll all of your credit card debt into one lump loan and will eliminate the individual interest rates that some credit card companie [more...]

Date: 2008-12-03 10:44:44

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

Credit card conundrum…

So on a completely different note, I need some advice about the dreaded credit card. I’ve never even been vaguely tempted to get a credit card because I like only spending money ... like a Clicks credit card? Any horror or success stories to steer me in the right direction? Help! [more...]

Date: 2009-01-15 11:28:19

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

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

New Year Resolution #1: Financial Fitness in 2009

Worried about the economy? Been hoarding all your pennies lately? You’re not alone ... ? If you have credit card debt, ask yourself why. That list on your credit card statement….was each one of those card swipes necessary? If they were, consider consolidating. Call your current credit card [more...]

Date: 2009-01-07 22:51:21

Got Credit Card debt? You may be in luck…

by Rolfe Winkler, CFA If you’re delinquent on your credit card balances, now may be a good time to pay down that debt ... are being offered deals that forgive 20 to 70 percent of credit card debt… Just as lenders competed ... desperate card companies: After helping to foster the explosive growth of consumer debt in recent [more...]

Date: 2009-01-03 01:44:51

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

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

An Inside Look at Blueprint: Split, Finish and Track It

As we mentioned earlier , Chase has rolled out some new financial tools to help you track your finances and conquer your credit card debt. All in all, these simply amount to fancy ways of looking at your balance – but as anyone who regularly reads personal finance blogs knows by now, the road to a debt free (or at least a manageable amount of debt) is paved with discipline moreso than breaks from credit card companies. Blueprint offers Chase customers some flashy systems for motivating yourself. [more...]

Date: 2009-09-18 11:55:09

The Fed Should Buy Down Consumer Credit Card Rates - Fast

Lets say I owe the bank behind my credit card  1k dollars and Im paying  10pct interest because the best I can do is a little bit more than the ... that I have my credit card  with and charge it 5pct plus some warrants to in turn loan that money back ... with to help save people’s homes, are many of the same banks that are pounding credit card holders [more...]

Date: 2008-10-24 23:38:36

Bill Consolidation

There are people who doesn’t care about the money they have spent everyday especially when it comes to materials things that they really want to buy ... grow more because you didn’t pay them immediately. I think credit card debt consolidation will help ... about this, you should call a credit counselor by calling 1-888-335-0363. Debt or bill consolidatio [more...]

Date: 2008-09-21 20:50:14

Bill Consolidation in Recent Times

An obvious thing that is happening lately is credit card problem. It has impacted almost many people in the United States ... you worry about debt. The numbers are 1-888-335-0363. These belong to a company that is willingly to help ... , it is needed. Credit card debt consolidation takes also an important role for customers after the above [more...]

Date: 2009-01-09 15:16:23

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

is it true if you use debt consolidation svc, they want your power of attorney to act on your behalf?

I've delayed getting help for credit-card debt because I was told by one company they want my power of attorney which needs to be notarized before I can do business with them. I think that's scary! Yes….this is true. Most want a limited power of attorney… Stay away from any "debt consolidation" company that promises to cut your debt in half through debt settlement….This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements. [more...]

Date: 2009-06-18 06:21:17

A helping hand with credit card debt is necessary many United States debtors

As of the moment here in our beloved country of the USA we’re experiencing a uncommonly bad state of affairs financially ... loan and the second is credit card debt settlement. Debt consolidation loans can end up being pretty ... . However a mortgage like this could make your life a little simpler. Debt settlement is a different [more...]

Date: 2008-12-18 16:28:03

Why Debt Consolidation Is Doomed To Fail

http://www.TheCreditCardSolution.com and view FREE videos by Bob Lindsey on a remarkable plan that has helped thousands of debtors eliminate their ... credit card debt without bankruptcy debt arbitration debt settlement attorney lawyer debt erase ... credit card debt. Debt consolidation agencies are not the answer. This approach is 100% legal [more...]

Date: 2008-12-01 16:41:48

Credit Card Companies Are Closing Unused Accounts

Several GRS readers have written lately with the same credit card problem — but not the one you’d expect. Perhaps in an effort to cut costs, credit card companies are beginning to close their customers’ ... on to the accounts since they help my credit history. I just got some bad news about my oldest credit [more...]

Date: 2009-01-06 19:00:00

Avoiding while Choosing the Good Card

There are a lot of potential credit card that in first working of the time the young adults must choose of ... to be returned later. These can go a long path to help to warn the debt of the credit card. In fact ... has some highest odds to place them in serious debt. In, the individuals who are capable to direct [more...]

Date: 2009-01-13 09:54:09

Credit Card Consolidation

"I’d rather go to bed without supper than rise in debt." - Ben Franklin. Sure does! ... cards consolidation service that will help you work on your credit up. They offer a debt consolidation program for consumers with credit card debt, medical bills, repossessions, and accounts [more...]

Date: 2009-01-05 17:05:15

Debt Relief Services

We’ve spent a bit of time here talking about various ways to prepare your finances, in both good times and bad ... , including a great FAQ on credit card debt consolidation and other debt consolidation programs ... and credit card consolidation.  There is enough information to really help you understand the process [more...]

Date: 2008-12-18 03:59:06

The Credits Secrets Bible Can Help Your Credit Score

Credit is a necessity that we all need. But if it is abused or overextended, you could end up in a bad situation. Credit cards and loan debt is at an all time high and people are looking for ways to repair ... . This product is important for anyone who is sick of the debt collection calls and is feeling the burden [more...]

Date: 2009-01-11 14:35:09

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

How trust worthy is American Debt Settlement Group?

I talked to someone from that group with the address 7590 E Gray Road Scottsdale, AZ 85260 I want to know can I trust these people do help settle my credit card debt? How do I know it's not a scam? Stay away from any "debt consolidation" company that promises to cut your debt in half through debt settlement….This is a risky tactic of deliberately ceasing all payments to creditors and forcing your accounts into default to attempt settlements. [more...]

Date: 2009-05-21 23:36:18

BizWeek: Leading Arbitration Firm Favors Creditors Over Individuals

scales In its cover story this week, BusinessWeek offers up a lengthy critique of the National Arbitration Forum, one of the nation’s largest arbitration firms. The story focuses on credit-card collection ... that NAF enlisted law firms with ties to credit-card companies to help NAF win business from creditors ─ [more...]

Date: 2008-06-10 08:45:00

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

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

Debt Consolidation

Debt Consolidation   Posted in Saving Tips Are you overcome by credit card debt? Do credit card bill collectors leave more messages on your machine than your friends & family ... to help you reclaim financial freedom. They offer debt consolidation where they will work with each [more...]

Date: 2008-12-11 12:03:56

Banks Agree to Wipe Out Up to 40 Percent of Credit Card Debt But Watch Out.

Credit card lenders include Discover Financial Services LLC, Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co ... with the help of the National Foundation for Credit Counseling, Consumer Federation of America and the Financial Service Roundtable to start the process of creating a debt solution, other than [more...]

Date: 2008-10-31 15:51:17

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

More Article about Debt Consolidation

Credit cards and medical bills are all unsecured with no leverage on your home till such time as you make the mistake of a debt consolidation loan ... that you pay the credit counselor each month. Credit counseling services help individuals regain control over their finances by helping them reduce their debt in various ways. These services often serve [more...]

Date: 2009-01-03 09:06:04

How Credit Repair Services Can Help You Be Debt Free

a credit repair business Unfortunately, the world is set up to encourage borrowing ... techniques, end collector calls and teach people how to reduce debt. Debt consolidation credit ... loan, you’ll need an unsecured credit card and a lender to get by. Americans with credit scores [more...]

Date: 2008-12-15 21:41:26

Lending Club Portfolio Reorganization

Hello frugal people!!!! I have written about Lending Club in the past and how much I love the service. I got a loan with LendingClub to help take care of some credit card debt and it was truly ... on my debt because I was able to consolidate my higher credit card debt into one lower interest loan [more...]

Date: 2009-01-05 12:17:20

debt consolidation

we all are aware that the financial situation these days are not looking good, with companies cutting down employees and recession going on, ... that will help you compare the various debt management and credit counseling programs. and they even ... questions about credit related problems, credit card consolidation, and much more. but still [more...]

Date: 2009-01-08 05:15:44

U.S. Mortgage Meltdown Linked To 2005 Bankruptcy Law

From Kansas City Star There’s no shortage of blame for the mortgage crisis that drove the economy into the ditch ... by the credit card industry. So say three researchers at the Federal Reserve Bank of New York, who argue that the legislation shifted risk from credit card lenders to mortgage lenders, helping trigger [more...]

Date: 2009-01-14 05:25:41

Help If You Have Less Than Perfect Credit

by Linda Kay Holt The market for bad credit loans is growing every day ... to the numerous bad credit lenders. It could be absolutely devastating to be in a pit of debt and be scammed ... posts:Credit Cards: How To Avoid Debts Credit card [more...]

Date: 2009-01-13 09:09:22

Get a Grip on Credit Card Debt

Get a Grip on Credit Card Debt dec26homespunweb.jpg RISMEDIA, Dec. 26, 2008-(MCT)-While consumers are being urged to spend this holiday season to help bolster the economy, those who do may face big credit card bills in January. Full Story [more...]

Date: 2008-12-25 21:00:10

Suze Orman’s Free Book - Fixing Your Finances in 2009

Barack Obama’s speech warning of devastating unemployment levels and a lengthy recession was no surprise to most Americans ... to do this year. For example, the general Credit advice for 2009 is: Make it a priority to pay off your credit ... to get your FICO credit score above 720. Be very careful where you turn to for help with credit card debt [more...]

Date: 2009-01-09 13:29:00

Another Way I Use Credit Cards to My Advantage

Recently, I started to make bigger purchases around the middle of the month because I found that I can save more money this way ... further. Credit cards have a statement date where they will calculate how much you owe with the due ... ScoreWhat Helps Me Give Away Free Gas Gift CardsDrowning in Debt? Don’t Make This Credit Card [more...]

Date: 2008-10-06 16:08:14

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

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

Credit Repair Help - It’s Not As Hard As You Think!

by Mark Alison People are in debt. Living in this world with bad credit can be difficult ... of your credit cards, be sure to pay off and close the accounts. Credit history is important ... s a good idea to join a credit union as well. They offer a better chance of giving you a consolidation [more...]

Date: 2009-01-06 14:47:19

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