Debt Settlement Attorneys – Are Their Services Recommendable?

Many American companies have downsized their work force, eliminated jobs, and some have gone out of business altogether over the past few years. This has left many individuals unemployed or underemployed for extended periods of time. Personal debt has skyrocketed during this time, because of these dwindling incomes. Is it advisable to use the services of a debt settlement attorney if an individual’s personal debt becomes overwhelming? [more...]

Date: 2009-09-21 06:01:42

Blog posts (259) | Videos (12)
 

How To Prioritize Your Debt Repayment Plan

Everyone knows that healthy personal finances requires debt reduction. However, paying down debt can become discouraging when you have a great deal of it, from a variety of sources. Paying a little bit extra every month on each of your debts doesn’t seem to make a dent, thanks to high interest charges. Instead, you can make more effective use of your debt repayment funds if you concentrate on retiring one debt at a time. This can also simplify matters and help you focus your efforts. [more...]

Date: 2009-09-24 01:03:28

Bad Debtors Be Warned, You Are Being Watched!

As the recession takes a hold more and more people are struggling to repay debt. Personal debt in Britain is increasing at a dramatic rate and is now approaching the 1.4 trillion pounds mark. However for one sector, business is booming. These are the private investigators charged with tracking down non payers of debt. “Why should people get away with not paying?” says a spokesperson for the Bankruptcy Advisory Service, which counsels bad debtors. [more...]

Date: 2009-09-11 01:50:50

Debt Management – Made Easy

September 26, 2009 | By Michael Sasaki In Finance | by Michael SasakiIt is important for every person to lead a debt-free life; this can provide a secure future for them and their families. Long term debt can cause havoc to personal life. So, it is highly imperative to meticulously plan for debt and avoid huge debt payments.Research analysts have found out that people fall into the debt trap because of their spending habits. [more...]

Date: 2009-09-26 05:17:04

What is Debt Settlement ?

With the rising financial strain on many consumers, arrears in repaying outstanding debt can prove to be overwhelming ... amount). Debt settlement should be considered if one is in arrears in their debt repayment. Be it credit card debt, personal loan, home mortgage or store accounts, debt settlement may be the sole option [more...]

Date: 2009-01-04 18:24:04

Looking for Materials About Iva – Find them Here

The main function of any debt management company consists in helping a person head and ears in debts or a business that is burdened by debts to get rid of all the debts. It does not intend a debt management company giving an other loan to pay back the debts. Instead of providing the loan and thus creating more debts, such a company negotiates with all the credit lenders aiming on consolidating the debts of a client into one affordable sum of money which can be repaid in monthly installments. [more...]

Date: 2009-09-26 15:18:41

Steps To Stop Recession For Governments, Companies & Individuals

Decrease in personal consumption, over spending, exorbitant imports, inflation, cyclical economy, high interest rates, sky high energy prices, trade deficit, consequent wars, subprime mortgage crisis, massive personal debts and debt trap ... disposable income, reducing per capita debt level, balancing interest rates, ensuring an atmosphere conducive [more...]

Date: 2008-12-22 13:19:11

Real Change: Thrift and Prudence

We Americans have come a long way from the Great Depression — not that we have learned from it. The Federal Reserve and U.S ... losses, business failures, mortgage foreclosures, inability to keep up with debt payments and other ... are floating on a sea of debt. America’s personal debt, excluding mortgages, is approaching $1 trillion [more...]

Date: 2009-01-15 12:17:53

Best Of 2008 And Wishing You A Happy 2009

It’s hard to believe how fast time flies, but here we are already in 2009. Before we look forward, let’s reflect back on 2008 ... Network — This is actually a great collection of frugal ideas for your trips to various locales ... . The Correct Way to Pay Off Personal Debt: The Debt Avalanche at Consumerism Commentary — Step aside [more...]

Date: 2009-01-01 15:09:51

Apply For Personal Loans Online For A Quick Response

The following article covers a topic that has recently moved to center stage–at least it seems that way. If you’ve been thinking you need to know more about high risk loans and personal loans, here’s your opportunity. Banks are the most common choice for people to get loans. This might be convenient for most people, but generally not the best option. Bankruptcy is as much deserving of a personal loan for refinancing, consolidation of debts, mortgaging or any kind of personal loans. [more...]

Date: 2009-09-08 18:13:18

Study More About How To Keep Away From Being Bankruptcy

The IVAwhich provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal to their creditors is a ... systems. IVA is one of the most efficient debt reduction systems that are very popular in UK ... to people to avoid bankruptcy. The personal and consumer debt is one of the main problems faced [more...]

Date: 2008-12-26 04:55:47

Free Debt Reduction Tool

As much as I love Quicken, I like finding free online tools I can suggest to my personal finance counseling clients ... PowerPay. Basically it’s a no-frills debt management program that allows a person to enter their debts ... . A teaser rate with a long duration can hugely influence your best plan of attack on debt repayment [more...]

Date: 2008-10-22 15:57:51

Debt Deluge - Modified Debt Snowball

I am a big fan of  Dave Ramsey.  I listen to his radio program and I’ve read all of his books.  Dave made famous a specific debt reduction method - The Debt Snowball.  From personal experience, I can verify that The Debt Snowball works - and I’ll be eternally grateful for Dave’s enthusiasm [more...]

Date: 2009-01-15 17:06:11

Cut Costs On Your Restaurant Bill – Eat At Home

This is a guest post from Trisha Wagner, a freelance writer for DestroyDebt.com. Destroy Debt is a debt community featuring debt forums. Trisha writes regularly on the topics of getting out of debt and personal finance ... with staggering debt levels, unemployment and reaching the end of their credit limit. The restaurant [more...]

Date: 2009-01-06 11:00:02

Planning for a Rainy Day

There may be nothing worse for a business than to have its owner suddenly die. . . especially if it’s your business. Let’s look at what can happen when an owner dies. Joe Carpenter was the 55-year-old sole owner ... as well and decided to call in his company’s debt — debt Joe personally guaranteed. Within weeks [more...]

Date: 2009-01-15 18:18:00

Personal Debt Consolidation Loans

Debt is the cause of a number of health and stress related problems; I know because I was one of those that were affected by it ... . It can easily get worse but I was lucky enough to source a consumer debt consolidation loan firm ... long for the vultures to start and suddenly regular as clockwork, consumer debt consolidation loan [more...]

Date: 2008-12-26 06:51:08

How Will Debt Consolidation Affect My Credit And My Overall Level Of Debt?

Amazon.de Widgets The use of debt consolidation is essential if you are wanting to avoid paying huge amounts of interest that will subsequently cause a great deal of anxiety when the day arrives that you are unable to make payments.Debt consolidation can be used as a solution to excessive credit card debt as well as other types of personal debt such as loans and offer relief to individuals. [more...]

Date: 2009-09-20 22:07:28

Debt Management Tips

Debt Management Tips September 24th, 2008 Subscribe To Our Feed Personal loans can offer individuals a way to have the funds for an array of ... with personal loans is debt consolidation. Within a year most people who use personal loans for this find ... of your credit cards that you place into a consumer debt manage [more...]

Date: 2008-09-24 04:09:25

Welcome to the Carnival of Debt Reduction

Hi everyone, and welcome to this week’s Carnival of Debt Reduction . There were more good articles submitted this week than are shown below, but only a small number of them dealt directly with (a) personal debt reduction stories or (b) how to reduce consumer debt: No Credit Needed dispenses with a lengthy introduction and jumps right in with a six-step process for eliminating credit card debt . Free Money Finance recounts a story of how one couple paid off their mortgage . [more...]

Date: 2009-09-28 05:00:04

The Financial Foibles of Linda Flores

We live in tough economic times. Our financial system is scrambling to avoid a global meltdown and lots of folks are having trouble making ends meet ... . Linda Flores, R-Clackamas, to help cover a 3-year-old automobile debt. The matter reawakens questions of personal debt, which became an election issue two years ago when Flores defeated a [more...]

Date: 2008-09-19 17:53:26

Debt Consolidation

  Are you concerned about your personal finances, and especially your debt, in this current economy? ... Consolidation: taking multiple debt or credit lines and consolidating them into one new payoff plan ... with one payment, typically shifting credit card debts to secured debt by refinancing a mortgage. It could also [more...]

Date: 2008-11-20 21:04:14

Welcome to the Carnival of Debt Reduction

Hi everyone, and welcome to this week’s Carnival of Debt Reduction . There were more good articles submitted this week than are shown below, but only a small number of them dealt directly with (a) personal debt reduction stories or (b) how to reduce consumer debt: No Credit Needed dispenses with a lengthy introduction and jumps right in with a six-step process for eliminating credit card debt . Free Money Finance recounts a story of how one couple paid off their mortgage . Financ [more...]

Date: 2009-09-28 05:00:04

Control Your Debt to Eliminate it Entirely

by Michael Geoffrey Although nobody’s goal is to get themselves into debt, the reasons it happens are varied ... on realistic budgeting, credit counseling from a reputable organization, debt consolidation, or bankruptcy ... for their services, these companies will personalize a debt consolidation payment plan [more...]

Date: 2008-10-20 13:17:42

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

Anyone Feel Sorry For Debt Collectors?

According to a recent Wall Street Journal article, even debt collectors are falling on hard times. Cry me a river ... t collect it either. Does anyone else sense an impending bailout of debt collection agencies? I personally believe that when times get this tough, debt collection agencies will resort to activities [more...]

Date: 2008-12-09 06:01:03

Consider Your Loan Options Before Taking On More Debt

This interesting article addresses some of the key issues regarding personal grants to pay off debts. A careful reading of this material could make a big difference in how you think about debt consolidation. This can be well assisted with a debt consolidation loan, an effective tool that consolidates all previous loans into a newer loan with a convenient repayment schedule. To find a cheap loan or the best loan for you ensure that you shop around. [more...]

Date: 2009-09-05 07:19:03

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

Debt Free Living, Cheap Family Meals, Used Kids’ Clothes @ The Roundup

Announcements I had my first article published at Wise Bread, where I share some basic investing tips for any market. I hope you’ll check it out! [ ... Carnival of Financial Planning Carnival of Debt Reduction Carnival of Money Stories Carnival of Personal ... : 20 Things That Rock About Being Debt Free Lazy Man and Money: How To Be Successful in the [more...]

Date: 2009-01-07 20:27:10

Best Guidebook to How To Avoid From Being Bankruptcy

The Individual Voluntary Arrangement which provides an opportunity for the debtor struggling with personal loans or debts to make a payment proposal ... and consumer debt is one of the main problems faced by most of the families in UK today. Hence it’ ... is one of the most efficient debt reduction systems that are very popular in UK. The advantages of [more...]

Date: 2008-12-23 09:39:46

Dicing With Debt

Dicing With Debt Posted in January 15th, 2009 Category:Debt Relief Britons are taking on record levels of mortgage and credit card debt, with figures released last year showing that UK personal debts far out weigh that of our European neighbours. For those in need of help with financial problems then the Citizens Advice Bureau [more...]

Date: 2009-01-15 07:42:47

What Would Happen if You Get Into Financial Trouble

With new technology constantly coming onto the market, the prices of everything rising, and the introduction of more and more credit cards, it is very easy to understand why an increasing number of people are finding themselves in debt. Personal bankruptcy is at all time high because now people are having problems paying for their homes. However, individuals who see quickly that they have a debt problem then there is help available. [more...]

Date: 2009-09-25 09:05:07

Guest Post: Financial Mistakes Couples should Avoid

Hi I’m Mary from Simply Forties! I write a blog about being a female in her 40s, finances, grown children, relationships, the environment, ... ). 2. Not taking credit-card debt seriously Carrying credit card debt is stressful. If one person ... on the other’s credit report. You do not want to find this information out when you are sitting [more...]

Date: 2008-12-22 14:00:07

Personal Finance - Digging Yourself Out of Debt

Excessive consumer debt can be a prison, holding you captive to past financial decisions and overspending ... are true, you have a consumer debt problem: You have little or no savings and are at your limit ... and dreams. In addition to living an all-around frugal lifestyle, the following steps help you get debt [more...]

Date: 2009-01-15 21:23:35

See How ManagIng Your Personal Debt And Get What You Need Out Of Life

If statistical data are anything to go by it seems most of the people has some level of private debt. Debt in itself is not a bad thing so long as you’ve got the capability to pay it back without causing yourself additional stress. If we constantly consume more than we earn, the end result is not going to be good. If you want to manipulate your private debt you must get on top of your budget. The process of putting a budget together is not tough but you need to sit down and do it truthfully. [more...]

Date: 2009-09-14 23:19:09

Small Business Administration - Financial Assistance

Our Fast Business Loan, unlike traditional bank loans, has less stringent requirements, faster approval, and no closing cost or fees ... Loans Business Loans Debt Consolidation Services Mortgage Loans Personal Loans Student Loans ... or for investment.Still, some investors in distressed debt, that a sign of a softening economy.That means every [more...]

Date: 2009-01-13 05:40:15

See How ManagIng Your Private Debt And Get What You Want Out Of Life

September 14, 2009 | By Terry Stanfield In Finance | If statistical data are anything to go by it appears most of the populace has some level of private debt. Debt in itself is not a bad thing so long as you’ve got the capability to make repayment without causing yourself additional stress. If we constantly consume more than we earn, the end result isn’t going to be good. If you need to govern your personal debt you want to get on top of your budget. [more...]

Date: 2009-09-14 22:57:00

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

One Million Use Credit Cards for Mortgage or Rent - UK

According to housing and homelessness charity Shelter, about 85% of the UK’s £1.4 trillion personal debt is secured against property. The good thing with secured debts, of course, is that they normally come with a lower APR (Annual Percentage Rate) than unsecured debts. Nonetheless, a mortgage is by far the biggest debt most [more...]

Date: 2009-01-15 18:34:40

Debt Reduction Methods and Philosophies: Snowball, Avalanche and More

When someone who has accumulated debt across a number of credit cards embarks on the journey to rid himself or herself of this debt, and when that person is generating enough monthly income to cover all expenses and the minimum payments due on all cards with additional funds left over, there are two main philosophies describing the best way to achieve this goal. Although all approaches are good, there is no question where I stand on this issue. [more...]

Date: 2009-05-29 11:00:32

Finding the exit

How you think we might get out of our current economic problems has something to do with how you think we got into them in the first place ... ratio of household mortgage debt to GDP. Home mortgage debt outstanding as a percentage of GP ... the phenomenal debt accumulation of 2005. Personal saving as a percentage of disposable [more...]

Date: 2008-12-16 01:26:45

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

Get your life back with dept solutions

Desember 31, 2008 at 9:30 am | In general | Tags: dept solutions Most people in this world have a debt ... understand. Yes, debt incurred by credit cards, tax debt, medical bills, old repossessions, personal loans ... that can help you to overcome your dept problems, this service is not a credit card companies. This service [more...]

Date: 2008-12-31 02:30:18

Assessing Distressed Debt Opportunities

We all understand the fundamental philosophy that  generally drives winning investing (or at least I hope we all do): “buy low,  sell high” ... of distress associated with it (either personal and/or debt driven  distress). This blog will focus on assessing the distressed debt  opportunity. As due diligence consultants, we’re asked [more...]

Date: 2008-11-02 09:48:47

Tories versus loan companies

Tory Housing Spokesman Grant Shapps recently published a report entitled Pay-Day for Loan Sharks which complains that companies lending small sums of ... has been warning about the massive rise in personal debt since well before Labour’s recession hit, but if the government thinks that the problem will be solved by lower official interest rates then [more...]

Date: 2009-01-09 12:08:03

The IRS Now Willing to Help

Credit issues have never concerned the IRS – unless you were trying to deduct interest on personal debt, ... their tax liens to a different asset. Until now, getting approval from the IRS to complete what is known ... to be more understanding in hardship cases. IRS agents will now have grater authority to suspend tax-collection actions [more...]

Date: 2009-01-13 21:38:24

A Survival’s Guide to Debt Elimination

What is debt elimination? Debt cancellation is the pathway of getting your outstanding debts under control and then avoiding getting into debt in ... out of ten persons have at least one credit card, and the majority 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: 2008-12-24 17:06:36

Bad Debt What Is It?

by Emma Elvie Most of us in today’s society never really pay any attention to the amount of debt that we accumulate until it is too late and then we are facing whether or not we should file bankruptcy. Well if you want to know how to avoid bad debt and what you can begin doing to get rid of all that excess burden in your life then you have come to the right place. I personally understand how difficult it can be on a person who has a lot of bad debt to pay each and every month. [more...]

Date: 2009-09-24 15:40:46

Tap My 401(k) or Borrow From Family?

A while back (actually, almost a year and a half ago now… how time flies…), I talked about using a 401(k) to pay off credit card debt ... with a person who used my credit recklessly. I am now left with about $30K in debt, almost all of it high ... union and have no way to consolidate that debt. This leaves me with two options: tap into my 401 [more...]

Date: 2008-11-20 14:00:33

Facing Debts after Wedding

After my personal experience in the difficulties I have faced when I was dealing with the debts after my marriage I have decided to share some ... . 3) Debt Collection Agency: So finally I just want to introduce this website which can be helpful ... much debt. The big amounts I was having was $15000 in credit card debt and 3 years on car payments [more...]

Date: 2009-01-15 15:04:28

Extract from the latest article from The International Forecaster ... will rise as government extortion continues apace and inflation will rage.Government debt is no longer safe in America and that means neither is corporate or personal debt. All the stimulation has costs [more...]

Date: 2009-01-15 13:17:33

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