Shuffling Debt: My Impatience has Gotten the Better of Me…

Fudgie the Whale - Happy Birthday to Me! Using one of those 0% credit card offers, ... have on my Chase credit card… ... cancellation of PMI. I have a sinking feeling that when I put in my third cancellation request [more...]

Date: 2008-08-13 09:16:36

Blog posts (174) | Videos (82)
 

Taxpayer Advocate Gripes About IRS

Taxpayer Advocate Gripes About IRS August 25th, 2008 According to the Seattle Post Intelligencer, Nina Olson, ... in place to assist victims of identity theft. • Cancellation of debt income. When an individual ... their homes to foreclosure or who default on car loans or credit card debts. Last year, Congress passed [more...]

Date: 2008-08-25 13:51:49

IRS Tax levy, Tax Collection, Tax Lien, Foreclosure Debt Foregiveness Rules May Be Amended.

Los Angeles, California - IRS will be improving IRS tax procedures to protect victims of tax-related identity theft and expanding outreach and ... to assist identity theft victims. 3. Cancellation of Debt Income. When an individual or business ... to foreclosure or who default on car loans or credit card debts. Taxpayers may exclude the amount [more...]

Date: 2008-07-22 19:43:56

Do You Have Interest In "NO INTEREST"?

CarCareONE It's the solution to the question "Where do I get the money to fix my car? ... *No annual fee *Optional debt cancellation Keep your vehicle in tip-top shape with the CarCareONE card ... " CarCareONE is a credit card with a line of credit that is used just for your car. Now you don't [more...]

Date: 2008-12-11 18:02:14

HSBC ensures NO customer satisfaction at Best Buy

HSBC ensures NO customer satisfaction at Best Buy DA in Texas said: “We were taken Hook-Line & Stinker!!! We were never given the option of a “Debt Cancellation” when we signed up for the Best Buy credit card. It was not even explained to us. It just showed up on our bill.” Read the rest of this entry [more...]

Date: 2008-09-11 14:38:39

Plotting the Debt Reduction Course

It feels like it’s been months since I last accomplished a financial goal. In fact, it *has* been months. It’s getting me down. I eliminated $28k+ worth of credit card debt way back on March 27 with a $508.13 payment ... , you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals [more...]

Date: 2008-06-12 16:55:34

Christmas: Paid In Full

Yippee! I don't have to pay my Christmas bills if I just download this sheet of stickers from Benny Hinn and follow his simple instructions:CLAIM YOUR DEBT CANCELLATION TODAY BY USING THESE STICKERS!Place a sticker on your mortgage, loan, and credit card bills, as you ask God to give you a financial breakthrough.As you send in your seed [more...]

Date: 2008-12-27 02:35:00

Forgiven Debt Isn't Really Forgiven At All

By Kate Luther If you've been struggling with the rest of the economy, chances are you've been forced to rethink your financial priorities. And as a result, credit cards are often the first thing to go. The good news is that once you get behind, many credit card companies will offer to "settle" your account, some for as much as just 40% of your original balance. And if you're looking at a large chunk of credit card debt, making it go away for 40% of its value sounds like a pretty good deal. [more...]

Date: 2009-09-22 13:00:09

ScamBuster 220

From: Camara Wallace Dear Friend How are you today? I hope all is well with you. I do understand the concern this letter will bring to you for the fact that it comes from someone strange to you. But be rest assured for it come with good intentions. However, as I was going on research, looking for responsible and trustworthy someone who can help and assist me in this business/to receive some fund out from Ghana into his country or company account overseas. [more...]

Date: 2009-07-10 07:35:36

What Is A Charge Card?

A couple of days ago, I posted this story about a guy who beat debt.  One of his solutions was   “getting a charge card which feels like a debit card (and pays for itself with the amount I spend), so I never trap myself in to thinking I’ll pay things off later.” Emphasis mine. What Is A Charge Card Frankly, between debit cards and credit cards and ATM cards, it is easy to forget that there is another type of plastic option, the charge card. [more...]

Date: 2009-08-07 00:00:34

750: This Magic Number Will Set You Free

Your interest rates have soared . Your minimum payments have swelled to copious figures. Your rewards have been hacked down like rogue cornstalks in summer. It’s the straw that breaks the back of your tenuous relationship with your severely crippled credit card and now it’s time to move on. But before you free yourself from this toxic relationship, you need to carefully plan your escape and you need to make sure that you are eligible to migrate to greener pastures. [more...]

Date: 2009-09-08 16:47:15

Friday Roundup on Monday: Home magazines vs. design magazines

Introduction Welcome to the Friday Roundup on Monday, a new semi-regular column illustrating how ill-prepared I am for technical difficulties (Strange Closets was down on Thursday night when I started to write this).  It also says much about my lack of ambition and ingenuity (but I certainly did enjoy breakin’ bread with my younger brother Kevin (hey buddy!) and his lovely wife Jen). [more...]

Date: 2009-07-20 06:44:11

Add Your Comment:

« Previous PostHealth Reform, Medicaid and the Governors Next Post »Health Care: Obama Engages More Deeply Shot Down Posted by Joe KleinTuesday, July 21, 2009 at 3:01 pm 76 Comments • Trackback (0) • Related Topics: defense budget, F-22 In a rare moment of Congressional courage and sanity, the Senate has refused to fund the continuation of the F-22 fighter jet program. The Pentagon didn't want the planes, whose best use would have been dogfights against the mighty Al-Qaeda air force. [more...]

Date: 2009-07-21 19:01:40

Posts about Foreclosures as of July 12, 2009

The Benefits to Restoring Your Credit Rating Can Last A Lifetime – bestonlinecarfinance.com 07/12/2009 by Darrell Price If you have ever gone through a bankruptcy, suffered a devastating foreclosure or applied for a loan and have been turned down, you know the importance of having clean credit. If you are looking to repair your credit and increase your rating, the process can be a little overwhelming at first. This article will hopefully give you a starting point. [more...]

Date: 2009-07-12 12:03:55

US News: Bill Consolidation - Credit Card Debt Consolidation: Beware Big Fees and Big Promises

Debt Consolidation Loans Unsecured loan is usually the credit card loan where the creditor has no material assets of the debtor under his possession. Lenders do offer such loans but they come with high rates of interest and heavy monthly installments since there is nothing kept as security with the creditor. When this burden of loan debt is increased, one has to take assistance of credit card debt consolidation loans or has to go for federal loan consolidation if he is a student. [more...]

Date: 2009-08-28 11:52:44

Bargain hunting miles and points with credit cards

(This is a guest post from Mr Credit Card of Ask Mr. Credit Card.  If you like his style, you can subscribe to his feed .) Firstly, I would like to thank John for the opportunity to guest post here and also for giving me the opportunity to host the Carnival of Debt Reduction on numerous occasions. Being a bargain hunter myself, I would like to highlight a few ways where you can actually make use of your credit cards to squeeze even more out of your bargain hunting efforts. [more...]

Date: 2009-08-30 00:14:23

Obama Credit Card Bailouts and Negotiations

I recently got a comment from  a reader that inspired me to write this post.    This is what Denise wrote in my previous post on the credit card bailout. I am ill and have not been working for past 2 yrs. We have been struggling with credit debt barely making the minimum payments. The interest rates are killing me. Payments paying interest not debt bal. The companies will barely work on lowering rates. We live pay check to paycheck. Pray to God we don’t have any kind of emergency. [more...]

Date: 2009-08-07 08:31:35

US News: Bill Consolidation - Credit Card Debt Consolidation: Beware Big Fees and Big Promises

Unsecured loan is usually the credit card loan where the creditor has no material assets of the debtor under his possession. Lenders do offer such loans but they come with high rates of interest and heavy monthly installments since there is nothing kept as security with the creditor. When this burden of loan debt is increased, one has to take assistance of credit card debt consolidation loans or has to go for federal loan consolidation if he is a student. [more...]

Date: 2009-08-28 11:17:43

Federal Loan consolidation for Federal and state student loan

Debt Consolidation Loans Unsecured loan is usually the credit card loan where the creditor has no material assets of the debtor under his possession. Lenders do offer such loans but they come with high rates of interest and heavy monthly installments since there is nothing kept as security with the creditor. When this burden of loan debt is increased, one has to take assistance of credit card debt consolidation loans or has to go for federal loan consolidation if he is a student. [more...]

Date: 2009-08-29 09:04:33

Odious Solicitations

I received a large beige envelope that was sent from a P.O. box located somewhere in Richmond, Virginia- how mysterious! ... . And, it was from Capital One, the giant credit card issuer that I criticized last month. I have to give them ... . The third was a cancellation notice from Foreign Affairs- only a first warning, therefore it could [more...]

Date: 2008-09-18 20:27:21

Odious Solicitations

I received a large beige envelope that was sent from a P.O. box located somewhere in Richmond, Virginia- how mysterious! ... . And, it was from Capital One, the giant credit card issuer that I criticized last month. I have to give them ... . The third was a cancellation notice from Foreign Affairs- only a first warning, therefore it could [more...]

Date: 2008-09-18 20:27:21

DrumBeat: July 6, 2008

UK: Government asks stores to stockpile food to overcome hauliers strike Ministers are in talks with supermarkets about emergency food reserves in case fuel protests lead to shortages at shops. The government wants to ensure retailers and suppliers can continue to sell basics such as meat, bread and milk if hauliers bring the country to a halt [more...]

Date: 2008-07-06 13:02:56

Monday Madness

Dear Friend, I am MR BENOIT OUATTARA,Manager Bill and Exchange Department of BANK OF AFRICA here in Ouagadougou Burkina-Faso West Africa. I am writing following an opportunity in my office that will be of immense benefit to both of us.I have decided to contact you purely on the personal conviction of trust and confidence that we can [more...]

Date: 2008-11-24 07:48:04

Redeem Your Rewards Points For Great Gifts

By Darren Cason The weakening of the global economy and the overwhelming credit crisis in America has led investors to reassess their risk perception, ... you to weather this turbulent storm without sinking deeper into the cesspool of credit debt like so many ... eliminating the former ease with which many obtained credit. This trend is likely to worsen [more...]

Date: 2008-06-06 10:56:40

Recovering Membership Rewards Points

A reader asks the following question: I have a business Amex card that I have accumulated over 800,000+ miles on. In January, I transferred over 400,000 to Delta sky miles. Approximately 1 month ago, I looked at the Delta sky miles account and realized that the miles were never transferred and showed that the transfer was pending on the Amex membership rewards site. The problem now is that our business is in the tanks and our account has been put on a payment plan and is temporarily inactive. [more...]

Date: 2009-06-30 00:00:32

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

The Return of Layaway

I remember being a little kid and my mother putting items on layaway at Sears (mostly those Toughskin jeans) ... and with shrinking credit limits, fewer specialty card promotions (zero interest, 180 days same as cash, etc ... items. In times past, layaway was a savings account of sorts but it did keep the giant credit monster [more...]

Date: 2008-10-27 05:05:53

Credit Cards Evolve to Attract More Customers

by Darren Cason The weakening of the global economy and the overwhelming credit crisis in America has led investors to reassess their risk ... will allow you to weather this turbulent storm without sinking deeper into the cesspool of credit debt ... perception, eliminating the former ease with which many obtained credit. This trend is likely [more...]

Date: 2008-08-28 00:35:49

Can Congress Bail Out of the Bailout? by Michael Hudson

Dandelion Salad by Michael Hudson Global Research, October 13, 2008 And what about the Fed’s Even Larger Giveaway? ... oligarchic elite, or in a debt cancellation, a Jubilee Year to rescue society. But when the government ... in a zero-sum game. A debt overhang always ends either in foreclosure of the debtor’s property [more...]

Date: 2008-10-14 00:46:15

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit ... access to credit has put cars, computers, credit cards, and even homes within reach for many [more...]

Date: 2009-01-15 00:45:24

Stores With Layaway Option Seeing Increased Interest

I know it is en vogue to bring back things from the past, but this is a trend I thought had gone forever:  layaway.  With tightening credit policies, and maxed out consumer debt, it seems layaway is making a comeback.  Personally, I am not a big fan of layaway, ranking it somewhere between using a credit card [more...]

Date: 2008-12-15 19:00:32

Saying Goodbye To Your Credit Cards

September 5, 2008 A situation that anyone would withdraw of their way to not be in is possibly standing knee-deep in a pool of rotten credit card ... cancellation; it is simply because several credit card companies will actually raise your interest rate ... you are with your finances, your credit card use in particular. T was better said that it looks [more...]

Date: 2008-09-05 06:02:39

Customers Service at its best : Inconvenient your client & make them WAIT

Nowadays, almost every company has a customer service dept. But does it really function as it suppose to be ? ... their credit card and accounts again. All were left dormant. Then I received a statement last Fri ... to the fundamental of  debt free living, I thought I might as well take this time to go terminate [more...]

Date: 2008-08-25 15:08:40

Hacking CashCrate.com, the unofficial guide to making the most with CashCrate

Note: By reading further, you acknowledge that I take no responsibility for your actions or use of this information. You have my full permission to distribute this information in any manner you like as long as it is unmodified. It is against the rules of almost all GPT sites to discuss what I’m telling you inside their forums and websites [more...]

Date: 2008-06-02 22:56:16

Karl Denninger, "America Is Running Out Of Rope"

"America Is Running Out Of Rope" by Karl Denninger "Oh no, we don't cheat: Goldman Sachs Group Inc. research analyst Marc Irizarry's published rating on mutual-fund manager Janus Capital Group Inc. was a lackluster "neutral" in early April 2008. But at an internal meeting that month, the analyst told dozens of Goldman's traders the stock was likely to head higher, company documents show. [more...]

Date: 2009-08-24 16:20:00

Good Idea, Bad Execution

I’m sure everybody has done this at least once. You come up with this great idea to save money and then realize later that it either didn’t save ... Credit Card Debt. Sometimes you get an offer that will allow you to transfer previous balances ... to the letter. You also have to watch your credit card statements like a hawk to make sure that everything [more...]

Date: 2008-06-16 14:33:08

Show me the money

A good friend and entrepreneur was chatting with me on her phone, while in the post office checking her mail ... . She also includes information on how to make a payment online with a credit card. On the due date ... . A recent study found that businesses wrote off $152.5 billion in bad debt in 2007, based on IRS [more...]

Date: 2008-07-15 13:24:04

Lala Land

Blink and you may miss another government bail-out, loan guarantee, federal plan to alleviate a bad or unwise mortgage, a suggestion for more government funds for a more aggrieved constituency, or credit-card relief proposal, etc. All this is said to be smart and necessary, given that we are told that the problem [more...]

Date: 2008-12-16 00:47:41

Advocate Urges Tax Simplification and Compassionate Treatment of Taxpayers

WASHINGTON — National Taxpayer Advocate Nina E. Olson today released her annual report, urging Congress to greatly simplify the tax code and recommending measures to reduce the burden on taxpayers who are struggling to pay their tax bills. The report takes note of the serious financial difficulties facing many Americans in light of the ongoing [more...]

Date: 2009-01-10 19:27:01

A Survival’s Guide to Debt Cancellation

What is debt cancellation? Debt cancellation is the pathway of getting your outstanding debts under control and then stopping getting into debt in ... common. Nine out of ten persons 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 a must, and not a choice [more...]

Date: 2008-09-30 17:03:04

Don’t stop, never give up

Hold your hand high and reach the top, let the world see what you have got, bring it all back to you…. ... from the date of cancellation, which they deemed to be the 2nd August. They then started harassing ... , they agreed to credit my account and I thought the matter was resolved, until 2 weeks ago when I received [more...]

Date: 2008-11-28 11:00:11

Pay No Interest for 12 Months With Two Walmart Credit Card Offers

Walmart offers two credit cards – The Walmart® Discover® Credit Card and the Walmart Credit Card. Both cards offer the following benefits: $60 or $100 cash advance when you make a purchase Save 3 cents per gallon at participating Wal-Mart gas station No annual fee $0 fraud liability The Walmart® Discover® Credit Card is a cash back rewards card that can be used anywhere Discover is accepted. With this credit card offer you can earn up to 1% cash back on all purchases. [more...]

Date: 2009-09-19 02:59:09

Successful Debt Negotiation Can Lead To Lower Payments

by Dillon Azungen Unfortunately and often, many people find themselves in circumstances of overwhelming debt. When debt-collectors begin to knock on the door, indebted people understand that it is time ... is to engage in debt reorganization, the aim of which is to secure some form of debt relief. At this early [more...]

Date: 2008-11-30 16:59:42

Credit Card Settlement Can Trigger Tax

Credit card banks may offer settlement at a reduced amount if you get behind and fail to keep current on your payments. My colleague, Doug Jacobs, talks about Negotiating Your Credit Card Balance in an earlier series of articles on this website. However, if a bank or other finance company agrees to settle a debt [more...]

Date: 2008-09-07 00:48:44

A Resource to Debt Cancellation

What is debt elimination? Debt elimination is the pathway of getting your outstanding debts under control and then avoiding getting into debt in the ... out of ten persons 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, and not a choice [more...]

Date: 2008-11-14 00:10:13

THE FINTAG NEWSLETTER @ 03 October 2008

FINTAG COMMENT I don't get it. The UK media has banged on too long about the fall in house prices ... of mobility by a large debt? Fifthly, houses are for living in and not speculating on. All this guff ... asset and capital can only be extracted when credit is freely available. Sixthly, rural areas [more...]

Date: 2008-10-03 06:11:49

Arlene: I just want my money back.

http://www.consumeraffairs.com/dating_services/great_expectations.html Janet of Scottsdale, AZ (06/19/0 ... I could not read the small print in the dark. There was no presentation regarding cancellation ... and after I signed everything and gave her my American Express card she processed the fee in seconds [more...]

Date: 2008-06-24 18:36:54

Yet Another Reason to Hate the IRS (and OCC)

Photo by SC Fiasco As if it weren't hard enough to get banks to offer workouts to overindebted consumers! ... lenders want to forgive significant portions of credit card debt that borrowers can't currently repay ... to expand credit card debt forgiveness. According to the Financial Services Roundtable (whom I don't [more...]

Date: 2008-10-30 20:11:13

26th Carnival of Making REAL Money - December 10th, 2008

This is the 26th edition of the Carnival of Making REAL Money Online. I’m proud to offer this limited list of top quality articles that are vetted from the original list of submissions. It’s always a pleasure to read through these submissions. Affiliate and Marketing News Brian Terry presents 5 Hot Tips For A Big Selling Squeeze Page posted at [more...]

Date: 2008-12-07 15:55:28

A Guide to Debt Cancellation

What is debt cancellation? Debt elimination is the pathway of getting your outstanding debts under control and then stopping 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 a must, and not a choice [more...]

Date: 2008-09-22 15:03:52

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