Can Debt Consolidation Help To Overcome Credit Card Debts?

Are you looking for some inside information on being sued for debt? Here’s an up-to-date report from debt consolidation experts who should know. A debt consolidation loan enables you to reduce these high payments and avoid expensive loan penalties. Creditors will give customers with a good credit history a better rate to keep their business. Once you have rates as low, target the cards with the highest rates first, then work your way down the list. [more...]

Date: 2009-09-16 18:49:56

Blog posts (348) | Videos (408)
 

Family Finances: When you’re desperate, look out for fraud

At a recent home show, we were grabbed by a debt settlement company salesperson who offered to save us at least 40 percent in our effort to get ... Republican Searching For a Debt Consolidation Loan or Credit Card Counseling Service Beware Of Zombie Debt ... Collector? Bad Credit Debt Consolidation - Brutally Honest Advice Recent Debt and Foreclosure [more...]

Date: 2008-10-31 06:20:00

Debt Buyer Beware

If you receive quotes from anyone who does NOT ask you who your creditors are, you better RUN! With so many people in a financial hardship these days, many unscrupulous, untrained or ignorant people are jumping onto the debt consolidation band wagon… unfortunately this could mean big trouble for you! Did you know Citibank, Discover and Bank of America are much more likely to file a lawsuit against you if you make the mistake of enrolling into a bad debt setllement program over 24-30 months. [more...]

Date: 2009-09-29 15:22:37

Can Collection Agencies Sue Me For Outstanding Debt?

Amazon.de Widgets The question that many people are asking is ‘can collection agency sue for a debt?’ With the amount of people suffering financial hardship due to the current economic crisis the number of people facing difficulties paying their bills is increasing rapidly and for the time being, at least, this trend shows no sign of reversing.Previously, lenders who had borrowers that had fallen into arrears would normally, only go as far as to post negative credit information upon the debtors [more...]

Date: 2009-09-29 11:34:48

US dollar set to be eclipsed, World Bank president predicts

Flashback: Bilderberg Wants Global Currency Now | Dollar to fall under scrutiny at G20 summit | IMF approves $13bn gold sale to boost lending fund | UN wants new global currency to replace dollar | G20 agrees to continue economic stimulus measures; Geithner shops international reserve accord | China Set to Buy $50 Billion in IMF Notes | Medvedev Unveils “World Currency” Coin At G8 | China calls anew for super-sovereign currency | No one talking about dumping dollar: China minister [more...]

Date: 2009-09-28 23:29:59

New US Credit Card Legislation Has Allowed Credit Card Companies Too Much Time!

Amazon.de Widgets President Obama’s credit card legislation, although welcomed during these times of harsh economic woe, unfortunately will probably fall just short of what every American has been screaming out for, a strong leash on the credit card industry. Legislation to regulate the credit card companies from imposing financially sapping interest hikes and reducing credit lines without warning, will shortly be announced, and not a moment too soon as a battle weary American public continually [more...]

Date: 2009-09-29 12:31:20

What Are The Benefits Of Using 0% APR Credit Cards?

Amazon.de Widgets The practice of chasing 0% credit cards has been around for a while now. Let’s face it, if you could guarantee continual use of credit cards without paying interest you too would jump from one card to the next.0% credit cards are as popular today as when they first appeared a few years ago and even during these harsh economic times credit card usage and the pursuit of these deals is continually increasing with massive increases in the past 5 years alone.How much of the blame [more...]

Date: 2009-09-29 12:13:36

The Key To Wealth Is Staying Out Of Debt, And Similar Garbage

Try Living Without A Credit Card   Around seventy five percent of the Fortune 400 say that the key to wealth building is getting and staying out of debt, but the members are seemingly totally out of contact with day to day living, and apparently have no idea of what it’s like to live Related posts: Learn About Debt Validation And Why You Should Use It Bankruptcy, Debt Settlement Or Debt Consolidation? Innovative Way To Pay Less Interest On Your Credit Cards [more...]

Date: 2009-09-29 13:23:18

Are Bad Credit Debt Consolidation Loans Difficult To Obtain?

Amazon.de Widgets Bad credit Debt Consolidation Loans are they still available? This article looks at whether or not the consolidation loan for people with bad credit is still available.Don’t take my word for it, but bad credit consolidation loans are rare…very rare, but the situation is improving slowly.It never used to be the case, but the decline of the economy over the past two years, due to the global fall out from the sub prime mortgage fiasco, has meant that lenders are reluctant to lend [more...]

Date: 2009-09-28 11:56:59

Get Your Credit Card Debt Paid Off

In an ideal world, the way to avoid debt is to never get in it. This is probably unavoidable as you are deep in debt as you read this. You may have liked the low interest rate when you first open the account. Then life happened and you had the charge everyday items on the credit card. And before long you found yourself suffocating from a massive debt load. In addition to credit card debt you may also have tons of student loan debt or medical debt. You could also have student loans from your college days. [more...]

Date: 2009-09-29 14:16:34

Student Loan Consolidation

by Layla Vanderbilt If you are struggling to pay off your student loans, or to balance the payment of multiple student loans, you may want to consider student loan consolidation. This approach is particularly helpful for borrowers facing forbearance or deferment, or if your level of debt is effecting your credit score. You can often decrease your level of debt, interest rates and number of loans in one step through loan consolidation. [more...]

Date: 2009-09-29 14:56:40

School Loan Consolidation Facts

School Loan Consolidation Facts by Sarah TaslkinstenIf you find that you have a lot of small loans, you might want to try to do a loan consolidation to gain financial freedom. Several people have turned to loan consolidations to help relieve the burden of debt. Of course your debt is not going to go away, but you can make your monthly payments smaller and get a smaller interest rate.The economy has taken a turn for the worse and with that comes debt. [more...]

Date: 2009-09-28 14:43:16

Will Your Credit Score Be Ruined By Credit Card Debt Consolidation Negotiators?

Amazon.de Widgets Credit card debt negotiators claim that they can help you pay less than you owe. Read the truth about credit debt negotiation scams. Protect your credit history.There are different reasons why people fall into debt. All of a sudden you may realize that you just can not make your regular payments. All of your bills and credit card statements drive you to the point of insanity and it seems that you will be unable to get out of this pit without help. [more...]

Date: 2009-09-29 11:50:50

Discover How To Make The Best Deals With Original Creditors

By Michael Redbourn There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. [more...]

Date: 2009-09-29 01:02:09

Can Debt Consolidation Make My Financial Position Worse?

Debt consolidation is one of the best ways of reducing debt. Your monthly payments become much lower and this will give you more disposable income. Unfortunately, debt consolidation can also make your position much worse. The reason debt consolidation can be bad is you. You, and your bad financial habits. That is how you got into debt in the first place. Lack of financial discipline If you take out a debt consolidation loan you have given your finance s some breathing space. [more...]

Date: 2009-09-29 11:16:03

Roth IRA FAQ, Income Streams and Financial Q & A @ The Carnivals

new logo design is now over. As for which logo won? It was a tight vote between 2 logos. Now how about I surprise you all with it when I put it up? ... In Washington All Financial Matters: Oil Just Keeps Dropping! Rich Credit Debt Loan: How To Stop ... Decision Crackerjack Greenback: Personal Finance in the Bible: Proverbs 13:7 Ask Mr. Credit Card [more...]

Date: 2008-12-03 22:11:44

Should You Walk Away From Your Home?

(source) Despite the struggle, most responsible homeowners don’t think twice about whether they should make the mortgage payment each month ... ) which will be made tougher by the loss of income. There are many debt consolidation and loan ... back from bad credit and don’t want to let your credit score sink again. Whether you choose to fight [more...]

Date: 2008-12-03 22:29:29

The Pros and Cons of Credit Cards

Credit cards have a bit of an identity crisis in our society.  In some circles they are vilified, along with the companies that offer them ... emergencies.  I personally fall somewhere in the middle. Credit Card Can Be Useful Tools Grace periods ... reward and rebate programs. I doubt anyone has ever become rich off credit card awards [more...]

Date: 2008-12-10 11:00:38

Reduce Your Interest Rate With A Credit Card Debt Consolidation Loan

Amazon.de Widgets Credit Card Debt Consolidation Loans are the perfect solution to manage credit card debts properly. These loans will not only provide a manageable single loan but will reduce greatly the amount you repay each month because of the lower interest rates often applied to loans.It is without a shadow of a doubt that most people would like to reduce their debt burden to as small an amount as possible. [more...]

Date: 2009-09-29 11:54:49

What Can I Do? I’m Treated Like A Financial Leper Because My Credit Is Bad

Amazon.de Widgets If you feel like you’ve been well and truly left out to dry by the financial institutions, you have every right. The current economic meltdown is the reason, and because of our excessiv spending of the last 5 years we’re not totally blameless, but we’re certainly not to blame for the financial mess that the US and the rest of the world is facing right now either. [more...]

Date: 2009-09-28 12:04:42

Book Review: Killing Sacred Cows

Carnival of Twenty-Something Finances.  Be sure to check it out.  Next week I’ll be hosting the Carnival of Personal Finance ... One Family’s Debt Roundup Posts I found interesting this week. Wenchypoo’s “why we skip ... his ownership of CNN does influence what we perceive as the “economy”. NCN gives us the lowdown on “debt [more...]

Date: 2008-11-21 03:30:56

No Fee Balance Transfer Offers Rise Again

Research has showed that credit card providers are waiving balance transfer fees but charging higher interest rates . According to financial website MoneyExpert.com , the number of credit card providers that are offering credit card holders the chance to transfer outstanding debt from another card without having to pay a fee to do so has risen by nearly 20pc to 69 during the past year. [more...]

Date: 2009-09-29 15:20:06

Credit Card Tips 10: Avoiding Penalties

September 28, 2009 | By Obapo Gana In Finance | by Koba RryantIt is a basic and well known fact that most credit card companies penalize those of their customers who are late in making their credit card balance payments. Indeed, a considerable number of credit card companies make the greatest portion of their income out of the penalties they charge those of their customers who make their balance payments late.But while the credit card companies have become accustomed to late payment of [more...]

Date: 2009-09-28 17:53:34

Consolidate Your Bill.

Being a credit card owner, I constantly receive persistent calls from credit card telemarketers offering their newest products, ... to pay on time. This bill consolidation doesn’t only apply to credit card balances but it can also ... of absolutely no interest at all. If you have several smaller payables to different credit card companies [more...]

Date: 2008-11-14 07:37:08

What is Bill Consolidation?

Everyone, even in the most ideal condition, at least once in his or her lifetime will have a debt, right? Most will have more than once, of course! ... to handle your debt situation seek for help, you can ask help from non-profit debt consolidation Company. This service provider can assist you to arrange loan modification, bill consolidation and debt [more...]

Date: 2009-01-11 08:16:07

One the Road

I always believed that we are on our way to financial freedom. A few years back we were able to pay all our debts even our credit card debts! ... that some way or the other I learn the process of Debt Consolidation. Consolidating your debts is no joke ... . If you are clueless on what to do maybe you can seek the assistance of DebtConsolidation.com. This [more...]

Date: 2009-01-12 22:27:07

How to Easily Pay Off Your Debts, No Matter How Many Times You’ve Failed

How to Easily Pay Off Your Debts, No Matter How Many Times You’ve Failed by Sean PayneMany people who are in debt have tried at least once, and probably several times, to pay off their debts. Sadly, a significant number of these people end up getting even further into debt than they were when they started.What’s the reason for these people accumulating even more debt? The answer lies in the methods that they use to get out of debt. [more...]

Date: 2009-09-28 13:14:57

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

Free Living

In this complicated financial status due to non-stop daily expenses, monthly bills, children's educational expenses, ... . The overflowed using of more than one credit card is really sink us into a big debt when unable to use in minimal expenses. Not realizing that we are already sinking into big credit card debt. It's time [more...]

Date: 2008-12-02 01:16:10

Change Your Financial Future Now!

We all know that Christmas is just around the corner and sometimes we can lose control when using our credit cards without even knowing it, ... . Debt consolidation is what you need to get yourself out of that hole, to wipe out all your credit ... and soon after we are sinking in credit card debt. If you are one of the many that has a problem [more...]

Date: 2008-11-29 19:30:58

10 Ways to Get Out of Debt on the Road to Financial Freedom

Debt is a word that has many negative connotations attached to it simply because it is the number one reason the vast majority of people are facing ... to into debt. Banks, mortgage lenders, credit card companies, pay day loan services, and car loan ... you are working your way out of debt. 4. Credit Cards – Credit card debt is a leading cause [more...]

Date: 2009-01-16 00:24:23

How to Become Debt Free using 6 Powerful Tips?

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... Your Credit Card Statements. On the one side, low interest credit cards offer an attractive offer ... one or more of them that consequently lead to a non-desired late in the pay and, therefore, your credit [more...]

Date: 2009-01-15 08:36:59

Get Out of Debt Fast With The Ultimate Debt Guide

by Ash Ford The Ultimate Debt Guide is a system that uncovers how you can become debt free without signing up to a long-term debt relief plan or ... . What are you looking for? Is it authoritative information on debt consolidation? debt consolidation loans? credit ... into debt and be overwhelmed with credit cards, loans, mortgages, car payments etc. [more...]

Date: 2009-01-15 02:49:47

6 Powerful Easy Tips for Living Debt Free.

by Finance-Experts-Team It does not matter if you are a beginner or an expert business owner ... when paying the bill. Credit cards are notorious for using low interest as bait for new customers ... in the pay and, therefore, your credit rate would be negatively affected. Additionally, use [more...]

Date: 2009-01-15 08:38:53

What is Bailment?

Bailment is the name given to a process of making delivery of an asset or other type of property. Generally, this type of transaction involves the process in which the owner of the assets opt to temporarily place his asset in the control of another individual. The person by whom the asset is delivered is usually referred to as the bailor , while the person who has received the assets is referred to as the bailee . [more...]

Date: 2009-09-28 13:00:05

You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... of your salary that goes for necessities such as mortgage, car loans, credit card payments, utilities, other loan ... . This is the income you can devote to reducing debt. Next, decide which loans and credit cards [more...]

Date: 2009-01-14 23:27:42

Back to Basics: Reduce your debt

Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time. (For the purpose of this post, I’m not going to lump in “profitable” or “good” debt that is used to make money reliably for the borrower through some other vehicle.) The debt can be, for example [more...]

Date: 2008-11-16 07:24:43

Credit Repair! You May Have A Bad Credit Rating And Not Even Know It

When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mismanagement of our finances, ... can be as simple as getting their hands on your credit card or debit card numbers and your security access ... as getting a duplicate copy of your credit card copies out of your home or business garbage bin [more...]

Date: 2009-01-15 08:37:18

What 2 Things Are The Main Reasons Why Credit Card Consolidation Should Be Considered?

Amazon.de Widgets Credit card consolidation is an excellent way to improve credit card debt both by simplifying the management of your debt and the more importantly the amount you will eventually repay.Credit card consolidation will undoubtebly help if you have many credit cards and are starting to lose control of both your repayment schedules and the amount you need to pay to each card provider. [more...]

Date: 2009-09-29 11:41:23

Carnival of Debt Reduction, Thanksgiving Week Edition

This Thursday is Thanksgiving in the United States. If you’re traveling, please do so safely ... with a quickie on how not to abuse your credit cards. Destroy Debt lists over six dozen ways ... have to use your credit card for things. Debt Free Destiny asks how freely your cash is flowing. Credit Card [more...]

Date: 2008-11-24 07:42:18

Happy New Year! (yes I know it’s mid January)

Happy New Year! (yes I know it’s mid January) Filed Under (Debt, Debt Consolidation) by Alan on January-15-2009 Happy New Year! ... , so I have a whole lot less credit card debt than I had before which means lower monthly payments.I should ... the debt away - however without it it seems like nothing is getting done. No extra money [more...]

Date: 2009-01-15 23:07:00

Bring Back Paternalism in the Mortgage Market

Not Responsible—Tom Jones Now let me ask you something: Have you ever felt that you weren’t responsible for the things that you do? I do not like government paternalism. When Ronald Reagan came to power and began our 25 year experiment with government deregulation, I thought it was a good idea [more...]

Date: 2009-01-12 15:43:03

Comment Spam Fighting Technique

Comment Spam when looked from slightly different perspective can be an indicator of your blog popularity! So I guess we all should rejoice when our SPAM queue filled with dozens of comments from spam-bots. Luckily that is easily killed by simply taking advantage of the options provided by Akismet [more...]

Date: 2008-12-18 12:40:31

Tackling Student Loan Debt

If you have recently finished school and is currently in your period of six months than you on your first student loan payment, ... card debt. The highest rate on student loans compares favorably with the exorbitant prices of credit ... of existing debt accumulates car payments and credit card accounts. So if you feel overwhelmed [more...]

Date: 2009-01-14 00:34:19

Secondary Sources: Credit Card Crisis, Bubbles, U.S. Default

A roundup of economic news from around the Web. Credit-Card Crisis: The New York Times reports the next crisis may be in credit cards. “Lenders wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... say. Currently, the total losses amount to 5.5 percent of credit card debt outstanding, and could [more...]

Date: 2008-10-29 13:21:18

Secondary Sources: Credit Card Crisis, Bubbles, U.S. Default

A roundup of economic news from around the Web. Credit-Card Crisis: The New York Times reports the next crisis may be in credit cards. “Lenders wrote off an estimated $21 billion in bad credit card loans in the first half of 2008 ... say. Currently, the total losses amount to 5.5 percent of credit card debt outstanding, and could [more...]

Date: 2008-10-29 16:17:00

Premiers to press Harper for infrastructure boost

“We want to get those shovels in the ground sooner rather than later,” Ontario Premier Dalton McGuinty said. “We don’t want the recession to be over by the time we get infrastructure dollars spent.” Indeed, that would be disastrous. But, hey, money grows on trees, right? Spend away [more...]

Date: 2009-01-15 20:12:27

Say bye to your debts with Debt Consolidation Loans

Naturally, people take loans to satisfy either their personal or the business financial needs ... the lenders, who gave them money. In this condition, the debt consolidation loans help them in a great way ... . These loans are available in two forms such as secured and unsecured. Secured debt consolidation loan [more...]

Date: 2009-01-15 12:24:04

Reducing Debt with a Credit Card Debt Consolidation Loan

If you are finding that your credit card debt is so overwhelming it might be time to start thinking about a loan to consolidate your credit balances ... your existing debt into another form of debt. The idea behind a credit card debt consolidation loan ... to successfully use the loan for its intended purpose; becoming debt free. • Destroy all your cred [more...]

Date: 2009-01-16 00:24:26

Take stock of your debt and get the right advice

With the New Year coming around many people are getting their New Year’s resolutions sorted out, ... to a 0% balance transfer credit card. If you have a range of credit cards and loans that you are repaying it may be worth considering Finding a 0 percent balance transfer credit card or a low rate [more...]

Date: 2009-01-13 07:00:17

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