Where To Turn For Financial Help

Hi All, We're busy running around DC taking care of our non-blogging lives.  So, today's posting is a video from MoneyTalksNews ... and debt management.  In this installment, they discuss the role of consumer credit counseling ... to consumer credit agencies.  I DO endorse a trip to library so you can learn how to handle things yourself [more...]

Date: 2009-01-14 08:13:08

Blog posts (370) | Videos (149)
 

How to Curb Credit Card Frauds

Of late consumers in UK are facing financial crunch due to the escalated fuel and food costs and falling global economy. Also, they are very much concerned about the current employment situation and economic development and are willing to spend more than what their income permits. With raising claimant count, the lenders have fixed up more stringent borrowing conditions for giving credit. As a result, consumers are seeking expensive credit and are facing tough terms and conditions. [more...]

Date: 2009-09-25 02:26:57

consumer credit counseling

A consumer credit counseling service may be right for you if you are behind on your debts and not being able to make even the minimum payments. A reputable credit counseling agency can help to stop collection calls ... into one lower monthly payment. Some of them can help you have your debt paid off in three to five years [more...]

Date: 2008-11-28 02:21:05

Difficult Credit Troubles May Find Aid In Consumer Credit Counseling

Quite a lot of options exist for those who have a dilemma running their cash including something called consumer credit counseling services. A person can turn to this kind of help if they have a dilemma with debt collectors, the incapacity to set up and preserve a workable financial plan or he or she seems to be unable of saving funds for retirement. [more...]

Date: 2009-09-29 18:00:51

5 Credit Questions with Fair Isaac’s Barry Paperno

Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... , running their San Francisco Bay Area consumer assistance office. There we provided credit reports and counseling to consumers, investigated disputed credit items, and corrected credit reporting [more...]

Date: 2008-09-23 16:11:34

Carnival of Consumer Credit #4

As we dive headfirst into the holiday season, what comes with milk and cookies, twinkle lights and goodwill toward men?  How about credit cards and more bills than you can pay?! The Carnival of Consumer Credit ... Credit Limits? Share Your Experience posted at fivecentnickel.com. CreditAddict presents Surviving [more...]

Date: 2008-12-16 16:00:15

Collection Agency calling from 571-431-1958 (Washington, VA)

Steve reported a Collection Agency (5714311958 from Washington area, VA) . The following comments were posted: AACC AACC AACC 5127689800 AACC 804-234-9056 assetacceptance.com Asset Acceptance is a leading purchaser and collector of charged-off consumer debt. Since 1962, we have provided credit originators such as credit card issuers, consumer finance companies, retail merchants, utilities and others an efficient alternative in recovering defaulted consumer debt. [more...]

Date: 2009-09-25 19:53:49

How Do Lenders View Credit Counseling Services?

Typically consumers that have overwhelming debt have two options, either enter into a Consumer Credit Counseling Program or declare Bankruptcy ... Credit Counseling program for such reasons as it is more cost effective and easier to implement. Many credit card companies and creditors realize that it would be more beneficial to actually work [more...]

Date: 2008-12-09 00:04:36

What You Should Do To Find Out About Raising Credit Rating Before You’re Left Behind

The recent rise in consumer debt has many people in this country struggling to get credit of any type, however, ... to get a loan or credit card but invariably these cost the consumer more because of their situation ... for lenders with low credit loans. What most consumers do not realize is the more often you apply [more...]

Date: 2008-11-25 14:10:28

Texas Sues Broadway Photo, aka PreferredPhoto, Wilddigital, Amphotoworld, Milleniumcamera, digitalliquidators

A HUGE thank you to Greg Abbott and the attorneys at the State of Texas’ Attorney General’s Office.( ... at Broadway’s Web site and selecting the desired goods, consumers are invited to use a credit card ... and credit card information, consumers are informed that their orders are being processed. Shortly [more...]

Date: 2009-01-09 06:11:00

Consumer Credit Debt Consolidation – The Best Options

Amazon.de Widgets The practice of taking out a single loan in order to pay off all previously existing loans is referred to as consumer credit debt consolidation. The reasons that people choose this debt elimination option are to secure a lower interest rate, and also for the simple convenience of having to pay only one loan at the end of each payment period.Collateral is traditionally required in these types of loans due to the borrower’s tarnished credit history. [more...]

Date: 2009-09-22 21:49:03

Coming Soon: Senate Version of ‘Credit Cardholders Bill of Rights’

Newly-minted Sen. Mark Udall (D-Col.), has scheduled a press call this afternoon to announce his plans to introduce legislation to end the abusive ... further than the Maloney/Udall bill to protect credit card users. Consumer advocates have been loud ... in December unveiled new restrictions on credit card issuers. Consumer groups and reform-minded [more...]

Date: 2009-01-14 17:30:01

HOW TO EXTERMINATE AUTOMATED/RUDE CUSTOMER SERVICE/COLLECTIONS PESTS

August 19, 2008 at 3:23 am (Home ownership, Law, Sub-Prime Mortages, Uncategorized) ... in every city.  A major reputable credit card company once harassed me–called my home ... , consumer relations, Consumer Rights, credit, customer service complaints, foreclosures, identity theft [more...]

Date: 2008-08-19 03:23:58

The Credit-Wise Consumer

Louise M. Carwell is a senior attorney with Maryland Legal Aid Bureau in Baltimore, where she has practiced consumer law for more than 20 years ... cards to entice them. Sure, using your store credit card might get you an extra 20 percent off ... , specializes in the areas of credit, foreclosure prevention, consumer protection, and bankruptcy [more...]

Date: 2008-11-05 21:06:03

How to Get Out Of Debt

One of the most frustrating financial situations for a consumer is carrying unnecessary debt ... you purchased than their actual sticker price. Second, debt can hurt a consumer’s credit score, especially ... credit card debt, experience emotional stress that can make it difficult to enjoy other areas [more...]

Date: 2008-05-03 02:32:47

So What's Replacing Boarded-Up Payday Lenders? Credit Unions! [Credit Unions]

Consumers in Washington D.C. have apparently flocked to credit unions since the district outlawed payday lending last year. Payday lenders whined that lending without 300% APRs was utterly unaffordable, but credit unions ... percentage rate of up to 18 percent. Unlike payday loans, in which borrowers sign over part [more...]

Date: 2008-07-27 14:15:43

Ctrl BG: A Shortcut to Financial News 11/29

Hope everyone is having a great Thanksgiving weekend and got some great bargains yesterday! ... facility to support consumer finance, including student, auto, and credit card loans and loans backed ... consumers get home, car and credit card loans easier. I haven't figured out all the implications [more...]

Date: 2008-11-29 14:40:00

Investors May Be Too Optimistic About Consumer Recovery

The most accurate banking analyst, Meredith Whitney, has warned that banks are likely to continue to restrict consumer credit, ... , are implemented. Credit card issuers shifted their model away from one where they earned ... , the somewhat in debt and the chronically indebted. Indeed, in the stone ages of the 1980s, banks were really [more...]

Date: 2008-12-14 06:10:36

Credit clean-up

"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... try the Consumer Credit Counseling Service in Cedar Knolls. It is part of the non-profit National Foundation for Credit Counseling. Toll Free: (888) 726-3260 * Fax: (973) 267-0484 . http [more...]

Date: 2008-10-27 19:40:13

Credit card debt and a bad market are hurting debtors

Recently here in the superpower country the United States of America we are sensing the full blown result of what a economic slump can do ... in unsecured credit card debt are also the ones who are going through the most hardships. People should ... . These methods include the world renowned consumer credit counseling (CCCS), credit card debt settlement [more...]

Date: 2008-12-14 16:07:23

A Personal Bail Out Program for Consumers Stuck in the Credit Crunch

PASADENA, Calif., Sept. 24 (SEND2PRESS NEWSWIRE) -- Credit Crunch Fix (CreditCrunchFix.com) ... mortgage payments, credit card debt and even utility interruptions. The attorney-created service is not debt settlement or credit repair, nor legal counsel. Credit Crunch Fix allows consumers [more...]

Date: 2008-09-24 16:49:15

Consumer deleveraging: only just begun?

Yesterday, the Federal Reserve reported that outstanding consumer credit for November fell a worse-than-expected $7.9 billion, lending support to the notion that the consumer is deleveraging. However, based on the accompanying graph of year-over-year changes in consumer credit and mortgage debt relative to GDP [more...]

Date: 2009-01-08 06:26:08

What to Expect From a Consumer Credit Counseling Service?

There are thousands of people in times of today who are stressing over the increasing pile of bills and debts stacked on their desk. To help aid your frustration and soothe your tension, get to know about consumer credit counseling service and what to expect once you’ve signed up for them to help you. [more...]

Date: 2009-09-25 06:01:43

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

Layaway is Making a Comeback

I read an interesting article in the Detroit News about layaway ... to the customer. Now banks are lowering credit card limits and home equity lines, and even consumers ... . Before there were credit cards, stores offered layaway as an option to consumers who may [more...]

Date: 2008-12-14 06:13:42

Bankruptcy Concerns

A big concern for those Americans who choose to file Chapter 7 or Chapter 13 Bankruptcy is how and when they will be able to regain their credit ... you from getting new credit. Many lenders target recently bankrupt consumers as customers. And now is the time to begin credit repair. Immediately after a bankruptcy filing, you can expect credit [more...]

Date: 2009-01-14 22:18:32

IMF: What Kind of Stimulus Will Work

The International Monetary Fund is encouraging governments to quickly develop large, sustainable fiscal stimulus packages ... in earned income tax credits, and the expansion of safety ... those consumers who are most likely to be credit constrained. Measures along these lines [more...]

Date: 2008-12-29 11:28:00

IMF: What Kind of Stimulus Will Work

The International Monetary Fund is encouraging governments to quickly develop large, sustainable fiscal stimulus packages ... in earned income tax credits, and the expansion of safety ... those consumers who are most likely to be credit constrained. Measures along these lines [more...]

Date: 2008-12-29 11:28:00

Repair Your Credit Today!

Nowadays, we cannot deny the fact that there is bad credit or what we are considering as incorrect credit ... . 29% of consumers have variances of 50 points or more in their credit scores as reported by each ... statistics of errors in credit reports. Here are the following: 79% of credit reports contain some type [more...]

Date: 2009-01-11 01:34:00

Debt Consoldiation: The Benefits of Consolidating Debt

Amazon.de Widgets Debt Consoldiation: The Benefits of Consolidating DebtBy: Daniel Millions - Debt is a big problem for millions of Americans and other citizens around the world. Debtors who are in exceptionally deep often die with bills unpaid, and the debt is passed on to their relatives. When credit first became available, it was nearly impossible for the average consumer to acquire a credit card. Nowadays, companies want people who have trouble paying their bills, because that means they wi [more...]

Date: 2009-06-28 20:02:50

Det Rattle, June 10 2008: Credit tightening across the board

Stoneleigh: Sorry the Debt Rattle is very late today. I have had very limited internet access this morning due to technical problems. I will be adding material through the day. Credit crisis expands, hitting all kinds of consumer loans The credit crisis triggered by bad home loans is spreading to other areas, forcing banks [more...]

Date: 2008-06-10 18:20:24

Manage Your Debt With CareOne Credit Counseling

We all strive for financial freedom.. a debt-free life.. a secure financial future ... : "The most common form of consumer debt is credit card debt, payday loans, and other consumer finance ... endless notices from creditors, accounts being turned over to debt collectors? Indeed, you're [more...]

Date: 2008-10-03 06:45:00

Filing For Bankruptcy Concerns

A big concern for those Americans who choose to file Chapter 7 or Chapter 13 Bankruptcy is how and when they will be able to regain their credit ... you from getting new credit. Many lenders target recently bankrupt consumers as customers. And now is the time to begin credit repair. Immediately after a bankruptcy filing, you can expect credit [more...]

Date: 2009-01-16 04:23:05

Class Action Lawsuit - Tune In Tomorrow!

Credit card companies have been unexpectedly lowering consumer’s credit limits ... us your stories, and requested information on a class action lawsuit against the credit card companies ... like to be a part of it. The interview will be featured here on Ask Mr. Credit Card’s Blog [more...]

Date: 2009-01-15 12:40:36

Class Action Lawsuit - Tune In Tomorrow!

Credit card companies have been unexpectedly lowering consumer’s credit limits ... us your stories, and requested information on a class action lawsuit against the credit card companies ... like to be a part of it. The interview will be featured here on Ask Mr. Credit Card’s Blog [more...]

Date: 2009-01-15 08:45:37

Ten Post Round-Up: Big News in Digestible Bits

What a wild roller-coaster ride the last few days and certainly the last few hours have been! ... ? And for THIS we are thankful for Sarah Palin! Banks tricking consumers into higher credit card debt ... Debt, Credit Debt, Discrimination, Favorite Uncle, Few Days, Liberal Media, News Today, Protesters [more...]

Date: 2008-09-29 21:35:48

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

Americans Can't Live Without Their Cable TV

Tv Credit counselors have some advice for debt-ridden Americans: Cut the cable ... . "But they really aren't," Jeff Wise, president of Consumer Credit Counseling Service of Southern West ... ; and dismal consumer confidence, Wall Street analysts don't expect Comcast and competitive cable operators [more...]

Date: 2008-10-28 21:15:01

Credit Scoring Is About To Change But How And When?

In a nice change of pace, all three credit reporting agencies, Experian, ... simpler and easier for both consumers and credit providers. If you’ve applied for a credit card ... Equifax and TransUnion have joined together in developing a new way to score your credit [more...]

Date: 2009-01-15 05:10:40

Why not just give US the money?

Lame Duck Teasury Secretary Henry Paulsen insisted on talking again today, as did his boss, sending the markets south, ... the risk that big investors took when they bought junk credit card and mortgage debt. Then, magically ... toward consumer loans in the form of credit cards, auto loans and student loans, as well as some forms [more...]

Date: 2008-11-25 19:38:09

Global beer sales down as credit crunch hits consumer pockets

London - Consumers from Latin America to eastern Europe have apparently resisted drowning their economic sorrows in a glass of beer, trading figures from SABMiller, the world's second-largest brewer, showed Thursday. The group's trading update for it... [more...]

Date: 2009-01-15 17:25:46

Wall Street Breakfast: Must-Know News

BoA to consumers: Feel free to sue... Bank of America ( BAC ) is dropping a requirement that forced consumers with disputes on credit cards or other accounts to enter into arbitration. The move, which comes as the government pushes for stronger consumer financial protection, is considered a win for consumers, as many faulted the arbitration process for being biased. Consumers will now be able to file lawsuits directly against the bank if they suspect unfair or illegal practices. [more...]

Date: 2009-08-14 11:15:44

Wall Street Breakfast: Must-Know News

GM shifts into high gear after GMAC bailout. General Motors (GM) ... on hold when GMAC was forced to tighten its credit standards in October. GM will also offer low ... to consumers with lower credit ratings and has begun reaching out to customers worried about credit [more...]

Date: 2008-12-31 12:12:10

Cred-Ex's New Alt-Pay

New Alternative Payment Solution Cred-Ex Soon to be Available in the USSecaucus, New Jersey (PRWEB) January 13, 2009 -- Cred-Ex (www.Cred-Ex.com) ... not require consumers to input harmful personal data such as their credit card, bank account or Social ... through its patented process.Cred-Ex will grant instantaneous credit to consumers online on its [more...]

Date: 2009-01-13 20:27:00

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

Secured Debt Consolidation Explained

When people are faced with a lot of debt, whether from credit card, department store cards or some other form of consumer credit, ... the best solution for paying it off is often to consolidate all the balances with a single loan. In most cases, these consolidation loans are secured by some sort of collateral, such ... [more...]

Date: 2008-07-07 21:20:58

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

BBB Consumer Alert About Credit Service

Hawaii's Better Business Bureau® issued an alert today warning consumers to be aware of companies taking advantage of the credit crunch by promising bogus credit repair services that can be costly and in some cases illegal. With lenders becoming increasingly... [more...]

Date: 2008-10-31 09:59:09

Making the most of mortgage overpayments

By Rupert Jones Shock news: Brits are repaying their debts. For years we were Europe’s most credit-happy consumers, unable to resist the lure of super-sized mortgages and seemingly addicted to flexing our plastic – but now it looks as if we have caught the thrift bug. Bank of England data issued this week shows that, for the first time since records began in 1993, homeowners are paying back more on their mortgages than homebuyers are borrowing. [more...]

Date: 2009-09-07 01:09:47

A Guide To Credit Counseling

Debt counseling has become a $7 billion dollar industry, but not all of them play fair. 10 years ago the credit counseling industry was dominated by the National Foundation for Credit Counseling, who nonprofit affiliates, usually known as Consumer Credit Counseling Services, would [more...]

Date: 2009-01-04 13:00:09

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