Reasons to Refinance Your Mortgage

Image courtesy of Notionscapital.comThe rates on a 30 year home loan have recently fallen to record lows; and will possibly fall even further ... account or help you pay off your credit card debt a lot faster.Low Cost. If you are one of those ... the process to refinance their loan.Even though the current rate may be lower than what you are paying [more...]

Date: 2008-12-29 11:15:00

Blog posts (263) | Videos (200)
 

Devise your own Credit Repair Plan

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... , and credit card statements, mortgage and insurance records. Locate debt worksheets on the internet ... debt. Decide which credit cards, and loans that you will pay down in order. For the first [more...]

Date: 2009-01-14 23:03:41

Stand Against Adversity

Dear Aunt B,I saw your web page and would appreciate the opportunity to ask you for advice ... many years; she has accumulated a credit card debt of over $30,000, and a few years ago, she had to borrow $40,000 on her house to pay off a similar credit card debt accumulated in the same manner [more...]

Date: 2009-01-08 16:52:00

South African Consumer Debt Spinning Out of Control. Half Of Work Force Can’t Pay Their Debts.

Last year I had the opportunity to visit South Africa and take a firsthand look at the consumer debt situation ... debt counselling agency Credit Matters, revealed that whites — who make up 9.2% of the population ... debt problems. New regulations passed recently give more control to debt counselors to go before [more...]

Date: 2008-11-09 03:23:11

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

Hepzibah Tales

Talking about money management and budgets is not something I enjoy. I’d rather discuss dismemberment, or the landscape of Idaho ... of the condo, plus some child-related debt. I did pay off all my credit cards, from the home equity ... , Georgia called Hepzibah. In the 1930’s and 40’s, when he was growing up, it was a collection of houses [more...]

Date: 2009-01-14 03:33:40

POWER DOWN YOUR DEBT (5)

A Systematic Approach to Paying Off Debt We have painted a fairly bleak picture of the debt problem in the United States, ... . When you learn how to “Power Down” debt, you will be able to eliminate compound interest much more quickly ... at the top of their list. You will notice on the report that the first debt listed is a VISA credit [more...]

Date: 2009-01-13 10:52:20

How to Get Credit Card Debt Collectors to Focus Their Energy Elsewhere

Most of those people who cannot afford to pay their monthly minimum credit card payment become potential victims of the consumer debt collection industry. However, a growing number of consumers have found a law to protect themselves against credit card debt collectors. [more...]

Date: 2009-09-26 12:39:41

the statue of limitations for a il resident

I am a resident in il, and received a call at work from a guy representing a company called rancho credit management in california ... . this sounded fishy and so i’m doing research. the credit card debt he refers to is indeed a debt i failed to pay which i don’t dispute and am fine with paying but he threatened wage garnishment etc [more...]

Date: 2008-12-11 15:49:05

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

Saving yourself form debt

When it comes to taking care of your finances, nothing more than ever ruins your financial position than having a large amount of debt which is ... on paying your bills from credit cards, loans and mortgages without realizing that you are barely ... you a black eye with the credit bureau and any applications for new loans or credit cards would probably [more...]

Date: 2008-12-28 01:21:40

My Everyday Look

I love dressing up. If only I have extra cash to buy clothes and accessories everday, I will. Unfortunately, I have a big credit card debts to pay off on my next payday but after that I will shop again for more dress, tops and jeans! Good thing that shopstyle has been created! From here [more...]

Date: 2009-01-15 04:42:14

Choosing Between Debt Settlement and Debt Elimination

Overwhelming credit card debt. It is a very common problem for many American consumers. So many people pay their monthly minimums, month after month, without any knowledge that their debt burden may never go away. When a person comes to the realization that they are caught in a never [more...]

Date: 2009-01-03 22:30:16

The Tightening

Last week, we had a "belt tightening" meeting at work ... , training cuts, and possible elimination of employee recognition events were all mentioned ... as well. Paying off credit card debt, saving more from each paycheck, putting off planned purchases [more...]

Date: 2009-01-10 01:17:17

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

Home Equity second mortage Loans - Good For Building

Homeowners sometimes find that after they have moved into their dream home, ... mortgage. This extra money you take out against the home can be used to pay off credit card debt, medical ... as a way to improve the atmosphere of the home. Others will use it to consolidate their bills [more...]

Date: 2009-01-14 07:53:00

debt consolidation

As we find ourselves living in the credit crunch of a world, ... purposes - we see people using them to pay off high interest credit card debt and student loans ... t also note that unsecured loans are also available. We have seen that debt consolidation loans [more...]

Date: 2008-12-15 15:17:50

Getting Out of Debt Now and Improve Your Credit Rating

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: 2008-11-24 22:25:53

Helping Polly

I just thought of my answer to Fix Polly, a case study from Gail:Polly is 25 and single. She has almost $80,000 in debt, $60,000 of which is student loans. The rest is credit card debt ... . Polly can’t decide what to pay off next. She has contacted her credit card companies and cannot [more...]

Date: 2008-12-28 15:02:42

Debts..yikes how do i overcome it

It is a human psycology that we spend more than we earn ... , I AM DEBT FREE!!! I thought I was going to have to spend my entire life paying off credit card bills ... for you to start saving money and get out of debt. Even if you have bad credit, debt consolidation [more...]

Date: 2008-09-02 20:03:23

Cash-strapped sell their kidneys to pay off debts

By Sarah-Kate Templeton, Times Online British victims of the credit crunch are offering to sell their kidneys for £25,000 or more to help pay debts, an investigation by The Sunday Times has revealed. At least a dozen adverts have appeared on the internet offering kidneys for sale from British “donors”. Five of the sellers corresponded with undercover journalists, who posed as friends and relatives of sick patients to negotiate sales. [more...]

Date: 2009-09-28 20:31:50

Will There Be A Second Stimulus Check? I Hope Not.

Man, do I hope not. The first stimulus check cost us $168 billion dollars, ... ; we are already doing that with the bailout. If they want to create a fund to pay for road repair or fixing ... spent - it was either saved or put on a credit card to pay down debt. It was not used to stimulate [more...]

Date: 2008-10-16 13:00:23

Shrink Your Debt

From Entrepreneur.com : In general, the best choices for debt negotiation and settlement are unsecured loans and credit cards. Since there is no collateral that can be attached to satisfy the debt, creditors are more likely to negotiate to avoid writing off the entire debt. The two most common approaches for debt negotiation are to pay a lump sum that is less than the total amount owed, or to restructure the payment schedule with lower monthly payments. [more...]

Date: 2009-09-14 14:00:00

Checking Your Credit Score

Most people don’t know their credit score. What does that mean? ... on your pay habits and the amount of debt you have. Paying your bills on time, keeping balances low on revolving debt and avoiding excessive inquiries can really help improve your credit score [more...]

Date: 2008-12-23 11:58:12

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

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

Immediate Credit Card Debt Relief

Credit card debt relief can be accomplished through several ways. First of all though is to accept the fact that paying a monthly payment that is more than 20% of the monthly income other than for a mortgage or rent spells trouble. [more...]

Date: 2009-09-26 11:20:17

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

Affiliate Program Review: T3Leads.com

It seems that new affiliate programs are popping up all the time, ... are in niches including: Debt Settlement Credit Cards Pay Day Loans Insurance Tax Debts Mortgage [more...]

Date: 2008-12-15 05:04:37

The Mary Kay truths you find out later

West face of the United States Supreme Court b... Image via Wikipedia From the Pink Truth: "Mary Kay-isms" abound in every Unit, everywhere, USA ... to pay down your credit card debt. How many of these were you told?" So what are the stories?  Go to Pink Truth to find out more.Related articles by ZemantaConsumer Debt Relief Is Aiding Tens [more...]

Date: 2008-11-25 02:34:56

What You Can Do To Keep Your Credit Score Afloat

Are you ready for a fresh financial start this year? Here are a few easy ways to spring clean your credit score, and begin today to pay down your debt ... or not you are searching for new credit. Every department store card you apply for reflects as a negative [more...]

Date: 2008-04-29 21:58:58

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

This sounds less bad

I doubt anyone can know how much it might help, but the desperation apparent in this move should be obvious. From Bloomberg: The U.S ... and college education while also reducing the cost of credit-card debt. If we really need ... it improves auto sales much. Maybe people pay off some credit cards and take some classes [more...]

Date: 2008-11-25 05:46:00

Obama wants to do what?

Obama's big plan to "jumpstart the economy" includes enacting a windfall profits tax on the oil companies in order to provide $1, ... it in my IRA or pay down my credit card.But I ask you, why should the oil companies be financing my retirement or paying off my debt?Another plan to help Americans is addressing predatory credit card company [more...]

Date: 2009-01-09 02:15:00

A Bleak Future for Telecom

The future of the telecom industry is looking rather bleak these days ... expenditures, such as upgrading their networks. Instead they have to focus on paying off debt. Avian ... .” Of course, the credit crunch has also been a problem for equipment suppliers, which send [more...]

Date: 2008-12-13 01:15:57

I’ve talked the talk, but have I walked the walk?

With a name like “Debt Destroyer” it’s kinda implied that I’m spending my waking hours destroying debt.  I wish that was the case ... * *I originally included a credit card balance in my initial debt total.  But I always pay off ... to go out on a limb and say that I’m not alone in my debt reduction journey. How are you doing?  Are you pleased [more...]

Date: 2009-01-08 15:04:31

Expect Calm Under Pressure?

Experts tell us that when the going gets rough - brain chemicals get going. My question is, Do they move you into calm or chaos? ... in the dumps because you’re sinking under financial pressures or caught in credit card debt. Add ... that you are going to try a few solutions to pay off credit cards. For instance, you might download [more...]

Date: 2009-01-08 15:22:22

A Guide to Debt Cancellation

A Guide to Debt Cancellation Posted in October 7th, 2008 by guest in Credit repair What is debt elimination? ... common. Nine out of ten people have at least one credit card, and most of these people are at least a few hundred dollars in debt with their card. Pay Off Your Bills This is just a given [more...]

Date: 2008-10-07 23:12:07

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

Old Debt Settlements Can Come Back to Haunt with Large Tax Bite

Q. I settled a debt in 2007 for less than owed, paying $15,000 on a $22,000 debt ... you for being so singled out)! Most of the time if you settle your debt with credit card companies ... as a result of cancellation of debt. The amount of forgiven debt will count as income. According to the IRS [more...]

Date: 2008-12-01 14:54:03

Debt Consolidation Can Help

I know it must be very hard these days for a lot of families that are facing foreclosure or worse because of the downturn in the economy ... get you the money you need to pay off those ugly credit cards but they also believe in debt prevention ... consolidation loan. Put simply, this takes all the debt you have, rolls it all into one lump sum and uses [more...]

Date: 2008-10-30 04:01:05

Best of KCLau’s Money Tips 2008

2008 is an exciting year for me. I was able to build more income streams and therefore increase my overall income compared to the previous year ... you are looking for about Bursa Malaysia Case Study: Consolidating Personal Loan, Mortgage and Credit Card Debt Do you have the assets to pay for your liabilities? Personal Asset Inventory Template How [more...]

Date: 2009-01-11 23:00:36

Annotated Digital Culture Links: December 16th 2008

Links for December 16th 2008: The writer’s guide to making a digital living ... his online show is “silly,” but it helped pay off credit-card debt. One year after YouTube ... it, you had to erase it! Amazing stuff. Top 10 Most Pirated Movies of 2008 TorrentFreak - Surprising [more...]

Date: 2008-12-17 03:47:15

Prevent Credit Repair Scams

Persons with high amounts of debt can reap considerable benefits from debt relief programs. These programs are designed to help people who are unable to pay their debts. Nonetheless, finding a program and negotiating the terms of the plans could affect each individual's economic condition differently. In order to free yourself from debt, you should select a debt relief program that meets your exact goals. [more...]

Date: 2009-09-27 08:01:05

Clinton Wants to Know “Am I Doing The Right Thing By Repaying My Debt?”

Clinton wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy ... . Is it true that my credit score will suffer even more by me paying back all of my debt? Will this prevent [more...]

Date: 2008-10-15 19:49:53

fix your finances, save money – step 2

Breaking through the wall. In the middle of the Olympics, I thought it would be a good idea to issue a personal finance challenge, ... to pay less for the same service. debt repayment Option 1: If you have a credit card that you’re ... 1 Otherwise, if your debt is large-ish (a few thousand and up) and you have a good credit rating, it may [more...]

Date: 2008-08-21 12:00:46

How to Get Out of Debt Without Ruining Your Credit Further

by Michael Benifez If you’ve decided that you are tired of constant calls from debt collectors, it’s time to do something about your old debts ... to consolidate your debts. Compared to these choices, debt counseling is an excellent alternative ... to get you out of debt. For some people, debt consolidation loans can work for paying off their creditors [more...]

Date: 2008-12-25 08:31:19

What If You Can’t Pay All Your High Priority Debts

by Ian Pelham Although individual priorities may vary, ... the lines of, “If I can’t pay my car finance, at least I can pay my credit cards.” This is a bad ... be more inclined to foreclose. There are many strategies for dealing with debt problems discussed [more...]

Date: 2008-12-22 18:58:27

Shamed solicitor faces jail for taking from pensioner’s will

By Michael MacLeod A DISGRACED former lawyer who took almost half-a-million pounds from a dead pensioner’s will used the cash to pay off his own debts. Michael Karus, 48, embezzled £413,052.81 while acting as the executor of the estate of the late Edith Hampton, who died aged 89 in 2003. It emerged yesterday in court that he used the former teacher’s cash to settle debts in his own law and property firms and even paid off a personal credit card debt. [more...]

Date: 2009-09-28 17:11:34

Reader Mailbag #30

Each Monday, The Simple Dollar opens up the reader mailbags and answers ten to twenty simple questions offered up by the readers on personal finance ... if it would be a smarter idea to take the money I would be investing to continue paying off my debt over the next 6 months, after which I will have eliminated my credit card debt and half of my [more...]

Date: 2008-09-29 14:00:56

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