consumer credit counseling: : Fannie and Freddie to Announce Mass Loan Modification Program (blog)

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit. Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

Blog posts (145) | Videos (220)

Need a game to learn to manage your credit?

By Philip Brewer Everybody learns best in their own way ... under the fair debt collection practices act, debt collection agencies, bankruptcy (chapter ... calculators for budgeting, debt pay-off schedules, and the actual cost of items bought on credit. Among other [more...]

Date: 2008-09-18 11:51:03

CESI Can Help You Get Debt Free

by Imus Jackson There are all kinds of groups and programs and companies out there that claim to provide help for those folks who are stuck in a financial nightmare, and don’t know how to get out of it. CESI is an organization that provides all kinds of services and counseling for just those kinds of folks and they have multiple options available to fit almost every circumstance. [more...]

Date: 2009-09-29 09:24:17

The Turkey Of The Year In California

The Press Telegram reports from California. “Delfa Robles, 68, a Long Beach resident and a member of the Association of Community Organizations for Reform Now, is facing foreclosure of the home where she and her family have lived for 13 years. ‘She tried to start a restaurant business a couple of years back, and due to financial difficulties, [more...]

Date: 2008-11-26 18:51:45

Financial Statement Basics: Part 4 Liability Column – Everything about reducing your Liability

Click Here to Go to the Main Page of a Short Course – Financial Statement BasicsThe Part 4 of the Financial Statement is “Liability Column” ( ... Statement.- Getting out of Debt- Cut down all of your credit cards- Stay away from Consumer Debt ... this but it will make you expenses such as maintenance and all……Examples of Liabilities are, Credit Cards [more...]

Date: 2009-01-13 17:33:00

Ask the M-Network: What to do if you’re deep in debt

Last week the M-Network rolled out a new feature: Ask the M-Network. This week, we’re going to answer a question about debt from one of my readers ... to know if this is credit card debt or some other debt - there is a big difference. If credit card debt, then you might want to think about going to a consolidation company who can work on your behalf [more...]

Date: 2009-01-14 12:00:07

Today’s Hit-And-Miss Parade

A report from Florida Today. “Conventional wisdom advises home sellers to examine recent sales of comparable homes in their area, and price their home in line with those selling prices. But today’s market is anything but conventional. ‘There’s no pattern,’ Realtor Cindy Kelley said of sales prices. ‘Here’s what we’re up against,’ she said [more...]

Date: 2008-12-07 16:04:16

A Vacation From Economic Reality

Readers discussed the holidays and the housing bubble. “Three months ago everyone in my extended family up north was talking about coming down to LA for some warmth and sunshine, disneyland, and broadway show. About two weeks ago their plans all fell apart and now we’ll only have local family at our dinner [more...]

Date: 2008-11-27 15:41:04

The Subprime Crisis Hits Home Hard in California—Package of Bills Heading to the Governor

By Mark Ridley-Thomas California State Senate Chair, Legislative Black Caucus It comes as no surprise, ... and harnessed with unsustainable high interest subprime loans, whether they had good credit ... loans compared to any other group, according to a report by the Consumer Federation of America [more...]

Date: 2008-09-09 22:52:06

Credit Repair For A Better Life

by Mike Carbeck Repairing your credit is never an easy thing. But, there are several things you can do to get yourself out of debt ... . If you find yourself in need of help, there are ways to pay your bills and get out of debt. The ever ... agency will be forced to remove it from your record. If you notice any errors or inconsistencies [more...]

Date: 2009-01-06 09:37:28

Update: January 14, 2009 - more evidence the Alliance numbers are bad. See here ... crisis created a worldwide credit crunch, President Bush, Treasury Secretary Paulson and HUD ... if their Alliance included some counseling agencies, otherwise it would only be industry. Hope Now is an alliance [more...]

Date: 2009-01-14 23:26:30

If the GOP Had Listened to ACORN’s Advice, the Mortgage Industry Wouldn’t Be in Meltdown

AlterNet.org By Peter Dreier and John Atlas, The Nation. Posted October 27, 2008. Desperate Republicans are scapegoating the respected community advocacy group for Wall Street’s disastrous lending spree. An increasingly desperate Republican attack machine has recently identified the community organizing group ACORN as [more...]

Date: 2008-10-27 23:07:25

Is Credit Card Relief Coming?

Credit card defaults are soaring. And banks after having fought credit card reform for years are now in panic mode over losses.Newsday ... of credit card debt to be forgiven, a turnabout from recent years when the banking industry lobbied strenuously to make it harder for consumers to erase their credit card debts in bankruptcy.The new pilot [more...]

Date: 2008-11-02 08:39:00

Clooney, Reitman, Up in the Air

George Clooney signs on to Jason Reitman’s adaptation of the Walter Kirn novel, Up in the Air, starring as Ryan Bingham, “a management consultant, specializing in the lugubrious field of career transition counseling ... to have stolen his identity, assuming control of his credit cards and his all-important miles [more...]

Date: 2008-08-28 14:35:57

Guest Post: No Relief in Sight for Private Loan Borrowers

[Editor's note: At a time when loan industry advocates and the news media are raising alarms about private student loan providers tightening their ... about the dangers these high interest loans pose for financially-needy students. In this post, consumer advocate ... to erode key consumer protections for private loan borrowers. By Deanne Loonin In my [more...]

Date: 2008-09-04 20:57:00

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

Discussing How Foreclosure Affects Your Credit Report

bankruptcy credit report Whether you’ve foreclosed or opted for a short sale, your credit report can show a poor score of as low as 380 ... Credit Counseling Service. “They’re going look at a foreclosure more seriously than ... , as you can steadily improve your credit score over the next few years by taking a few measured steps [more...]

Date: 2009-01-08 04:06:14

i-mint partners with popular Diagnostic centre Star Imaging & Path lab (SIPL)

/India PRwire/ - After successfully marking a strong presence in the Retail, Telecom, Lifestyle and IT sector, i-mint India’s first and largest multi partner consumer rewards program has added another feather ... Card” of choice for today's shopper. As our network expands, we continue to strengthen our consumer [more...]

Date: 2008-11-18 09:27:25

How Do Credit Counselors Help You?

by William Blake It is not unusual for a person to be shouldering much more debt then he actually can handle ... and for some it eventually gets out of hand and impossible to maintain. For those people credit counseling can offer some assistance. What can a credit counselor do for you? A person with a sizeable debt that is hard [more...]

Date: 2009-01-15 10:32:19

More Bank Woes: Spreads on Credit Card Securitizations Rise

It isn't surprising to see spreads on credit card debt on the increase. In fact, it might seem odd that it has taken this long ... recourse, than from their credit card debt (yes, refis as opposed to purchase money mortgages ... feel newly emboldened by the bill to try to extract more from credit card borrowers than they would [more...]

Date: 2008-09-02 23:37:14

Credit and debt consolidation

Credit and debt consolidation Now, you might know about the meaning and the advantage of debt consolidation. So, I won’t be explaining it again ... to accept. Many creditors are willing to accept a lump sum debt settlement for as low as 70 ... program a few months ago. Members of the credit union who take on such a loan must take an online [more...]

Date: 2009-01-14 21:47:12

Japan’s temporary workers in the cold

TOKYO, Japan – The 61-year-old construction worker had walked by these sorts of people before: Bums he always quietly called them ... -driven companies depend on the hunger of the global consumer. But as the credit crunch narrows the ability to borrow and consumer confidence plummets around [more...]

Date: 2009-01-08 14:39:43

Goodbye Cash-out. Hello Debt Settlement. Part 1 of 3

More and more Loan Originators I speak with are asking about debt settlement. Past and prospective clients are asking for help with consumer debt ... s assume you owe $35,000 in credit card debt. Your minimum monthly payment is $700. You can’t afford ... the difference between bankruptcy vs. debt settlement vs. consumer credit counseling? If you [more...]

Date: 2008-11-12 22:17:12

So This Is Christmas: 37 Food Philanthropies

(Confidential to Biggest Loser fans: YAY MICHELLE! Although, Ed did look pretty dang good, and The Boyfriend and I both agreed that Amy P. vaulted from Mom With a Pretty Face clear to Total Freaking MILF. We’d both date her if we were hot, 40-year-old single dads. Anyway…) [more...]

Date: 2008-12-17 23:10:00

Debt Solutions and Credit Counseling – Get Started Now!

Americans love to live on credit. And even though they try to work it out to their best limits, they still land up hopelessly in debt. If your debt amount too is mounting and you are in search of appropriate debt solutions, then it is time that you contacted a Consumer Debt Solutions and Credit Counseling company for help. [more...]

Date: 2009-09-25 06:01:41

Guest Post: A Bankrupt Policy

By Deanne Loonin As most readers of Higher Ed Watch know, current bankruptcy law treats students who face financial distress the same severe way as people ... , a law professor at the University of Michigan, lays out a number of plausible theories for why student [more...]

Date: 2008-12-03 21:45:00

Loans For People With Bad Credit

Date: 2009-09-26 12:08:24

Goodbye Cash-out. Hello Debt Settlement. Part 2 of 3

(If you missed Part 1 - you can find it here) If you believe the hype spun by many debt settlement firms, debt settlement sounds like an incredible solution for those consumers with too much consumer debt ... of independent data tracking the success rate of debt settlement efforts - it’s widely believed that most [more...]

Date: 2008-11-19 16:04:43

Federal Reserve Reluctant to Limit Minimum Payment Increases

With cardholders worried about increases in interest rates, some have found that higher minimum payments have been a greater problem ... credit counseling. Other cardholders can afford the increase, but they are upset ... that will limit the types of rate increases that credit card issuers can enact. This may bode well [more...]

Date: 2009-01-15 17:01:03

Debt Management Help Through DebtGuru.com

Looking for an easy way to manage your debt quickly? DebtGuru.com®, the Internet domain for American Credit Foundation®, an IRS 501(c)(3) non-profit consumer credit counseling organization, can greatly help you if you are looking to lower your monthly debt payments without the hassle of trying to qualify for a consolidation loan [more...]

Date: 2008-11-03 15:26:00

Debt Consolidation Loans For People in Need!

Date: 2009-09-26 14:08:36

Consolidate your debts NOW!

Have you noticed our economy right now? It's pretty scary, right. Anyway, are you having problem with you debts? ... ! Maybe you wonder how debt consolidation work? Usually done in consultation with a counselor or loan ... your credit cards for a certain period of time until you will paid them off. So, if you are having [more...]

Date: 2008-10-21 21:19:08

Debt Reduction is more Important than Your Credit Score

If you are a baby boomer with a pile of consumer debt, you are not alone ... those with significant credit card debt to worry about. According to a report from the New York ... it) is a willingness to negotiate some of that debt away without regard to its effect on your credit score [more...]

Date: 2009-01-04 00:34:49

Rich Blog, Poor Blog

Last night I was watching NOW, featuring Harvard law professor and TPM guest writer Elizabeth Warren, ... History of the Credit Card." And do check out the full Elizabeth Warren interview. It reminded ... that was 'insuring' my credit card, charging a moderate fraction of the balance so that in the event I lost [more...]

Date: 2009-01-03 10:31:45

Detecting Early Credit Problems

Detecting Early Credit Problems Posted admin in Uncategorized Comments Off Keeping yourself trouble free with your credit requires a close eye on your credit report and asking yourself some difficult questions. Sometimes it is harder to be honest with yourself than with a stranger. In order for you to stave off credit problems [more...]

Date: 2009-01-15 15:30:24

Reformers

by hilzoy John McCain, via MSNBC: "The crisis on Wall Street, my friends, started in the Washington culture of lobbying and influence pedaling and he was right square in the middle of it," McCain said, painting Obama as a Washington insider. "My friends, this is the problem in Washington. People like Sen [more...]

Date: 2008-09-21 16:18:06

A Word On Credit Card Debt Reduction

Too many Americans have been getting caught up in the credit card debt cycle and have not figured out a way to escape ... is with a credit card debt relief program. The problem is not many have any clue as to what is available to them ... free of credit card debt much faster. The only problem many debtors have with this type of a program [more...]

Date: 2009-01-15 16:29:48

Is Consumer Credit Counseling For You?

You’ve maxed out your credit cards. You’re paying your minimums, but your debt just seems to keep growing. No matter how many ways you try to manage your money, nothing seems to be working. If you find yourself in this financial dilemma, consumer credit counseling may be your ticket to financial freedom [more...]

Date: 2009-01-07 06:25:03

Bad Credit Consolidation Loans

Date: 2009-09-26 13:08:38

Debt Management Plan and other Debt Payment Alternatives

Debt Management Plan and other Debt Payment Alternatives January 11th, 2009 Subscribe To Our Feed Debts can get out of control quickly ... your non-priority creditors is through a debt management plan (DMP). DMP is part of a credit counseling service. This type of counseling is available to consumers who have trouble with payment [more...]

Date: 2009-01-08 17:52:29

Alan Greenspan in 2005

Let's take a fond look back at one of Alan Greenspan's greatest hits: ... of transaction and credit options. The industry is central to the functioning of our robust consumer sector ... Remarks by Chairman Alan Greenspan Consumer Finance At the Federal Reserve System's Fourth [more...]

Date: 2008-10-25 07:09:44

The Top Debt Consolidation Companies

The Top Debt Consolidation Companies Debt consolidating companies vary in the services and debt management programs they offer ... to help families and individuals to get out of debt on their own simply by counseling them. The credit ... and friends. There are a number of large debt consolidation firms operating in the United States [more...]

Date: 2009-01-05 13:32:10

Want credit? Here are some important things to remember

Want credit? Here are some important things to remember Jonathan Berr Sep 18th 2008 Filed under: Banks, Borrowing, Debt, ... Bittner of the Consumer Credit Counseling Service of the Delaware Valley also had the following tips: ... ShoppingBuying anything that requires credit is harder than it used to be. Banks who used to send [more...]

Date: 2008-09-18 21:05:47

Risks Of Cash Advances And Payday Loans

Sep 26, 2008: Pay day loans are various kinds of small cash advances taken for a very short duration. They are very expensive and typically must be repaid in full by the next pay day of the borrower [more...]

Date: 2008-09-26 20:38:59

The True Benefits of Debt Settlement

As more and more American suffer from mounting bills and crippling personal debt loads, ... programs, successful debt settlement negotiations eliminate a percentage of the borrower’s debts ... an increasing number of unhappy borrowers are turning to debt settlement as a solution [more...]

Date: 2009-01-15 18:02:06

"Dear Chairman Bernanke and Secretary Paulson"

I posted this rather prescient letter from Obama to Bernanke and Paulson last March. The letter itself is dated March 22, 2007 ... in the credit markets and consider the two candidates. Money quote: We cannot sit on the sidelines while ... in widespread access to credit and responsible lending, both must act and act quickly [more...]

Date: 2008-10-06 03:36:00

Debt Management And Debt Consolidation

According to the Consumer Credit Counseling Service, you shouldn’t have more than 15 percent to 20 percent of your net revenue obligated to pay debt. Net income is the actual dollars that you bring home after your employer has withheld taxes. You could earn 500 dollars per week, but your net revenue is the 400 [more...]

Date: 2009-09-23 04:08:58

Early Retirement Case Study - My Dollar Plan Retires At 29CarnivalsFinancial Learn hosted Carnival of Financial LearningWe Like Money hosted Twenty Something FinancesSound Money Matters hosted Carnival of Personal Finance #171Disciplined Approach to Investing hosted Investing CarnivalMy Two Dollars hosted Festival of Frugality #144Moolanomy hosted [more...]

Date: 2008-09-23 04:58:53

Bad Credit Debt Consolidation and Credit Card Debt Consolidation Tips

If you have managed to get yourself into a situation whereby you have many loans, credit card debt, mortgage, utilities, and other bills to pay, ... or organization that has agreed to consolidate your credit card debt, and you have one simple ... then think about credit card debt consolidation. It can be extremely difficult to get yourself [more...]

Date: 2009-01-14 23:16:55

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