in here too :D

Are you also been thinking of applying for a loan that is being offered on sites that promises and in fact gives out a minimum amount of interest one way to get help with debt. Why I wanted to do this? because I need debt help! lol. and  would want to settle my credit card billings already, too tired of taking care [more...]

Date: 2008-11-05 16:06:04

Blog posts (107) | Videos (86)
 

Debt Settlement Booming

Debt settlement has been one of the hottest topics on this blog, judging by reader response. Now a New York Times article confirms that credit card companies are settling debts for less than the full balance. The article does not refer to the debt settlement industry, except in a brief [more...]

Date: 2009-01-03 21:56:30

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

Taking Steps Towards Financial Freedom

If there was anything that the hubby and I did right in settling our major obligations in 2008 it was debt consolidation ... . We even managed to terminate credit cards, which we are very happy about. We decided ... . The previous years have gotten us in medical bill debt that we thought we would have to shoulder [more...]

Date: 2009-01-12 03:46:04

More Tips on Eliminating Debts

This can be considered a follow up on the previous post on eliminating debts ... of financial obligations to settle is debt consolidation. It takes away the risk of getting penalized ... they know it. If you are one of the typical credit card clients who make late payments, you should [more...]

Date: 2008-11-30 03:49:19

Considering debt consolidation

Since our lawyer is taking such a long time to work on our case against the lady who caused the accident that caused my injuries, we have been using our credit cards to help us survive during this particular crisis ...  and debt consolidation to help us with the debt - at least until we get the case settled. I hate [more...]

Date: 2009-01-09 23:44:51

Three FAQs on Credit Card Debt Settlement

Is there a legal secret to settling credit card debt? Post Excerpt from: BecomingWhoYouWantToBe . Click "read article" to see complete version. Looking for more information on business, success and careers? Visit our affiliate sites: Health Wealth & Happiness and Finding My Passion in Life . Three FAQs on Credit Card Debt Settlement Related posts: How To Get Out Of Credit Card Debt Today it's a pretty common experience to face large credit... [more...]

Date: 2009-08-31 00:40:24

No Money Buy HDTV Now

I was thinking to use credit card to buy HDTV and pay by installment for 2 years, but I still cannot afford to pay for the monthly installment due to my financial problem. I think I have to settle all my debt first before purchasing HDTV, may be I can buy it after next year [more...]

Date: 2009-01-15 04:02:52

Debt Free and Money Saving Tips.

Have you accounted your Holiday spending yet? Well, ... at home. No credit card means no temptation and of course, it also equates to the term “debt free“ ... my bills, I must keep in mind their due dates and settle them right away to prevent incurring late [more...]

Date: 2008-12-18 00:34:43

In Real Estate, You're Better Off Doing One Thing At A Time

Hi--I just found your site today. The best I've ever seen/read, etc. Thank You!! I do have a question I didn't see addressed regarding our current situation/dilemma: Our present home, which we've lived in for 8 years, is worth around $180,000 (yes, it's a small town...), and we owe $105,000. My husband has been working for about 5 years now, & has a pretty good salary (around $100K) but we have a LOT of debt --mainly a result of having had 2 babies while in school. [more...]

Date: 2009-09-13 14:00:00

What are Your Debt Consolidation Options?

Amazon.de Widgets Knowing your Debt Consolidation Options is vitally important, now more than ever, and this article highlights the options open to people currently in or facing tough financial situations.We are living in very tough economic times and it is at times like these that people begin to realize just how much debt that they have and wonder if they are going to be able to keep up on their payments. These concerns grow as items become more expensive and people start losing their jobs. [more...]

Date: 2009-09-13 17:54:22

Managing Debt in a Positive Way

For most of the people, debt is scary and suffering. When they are facing debt issues, they are unable to think rationally. In fact, there are many options that can be used to solve the debt problems such as debt management, debt settlement, debt consolidation, debt negotiation, mortgage refinance, etc. The most important thing is we need to be optimistic in facing difficulties. Let’s go through the guidelines below in order to have a better understanding to manage your debts in a positive way. [more...]

Date: 2009-09-16 09:25:28

Settle your debts the easy way

The process of contacting creditors directly or through a third party and negotiating for a lump sum payoff of your debts is known as debt settlement . Benefits of debt settlement You can reduce your principal debt amount by around 4% to 6%. Eliminate your late fees, lower your APR . Repay your debts within your chosen time span. The debts charging higher interest rates are the ones that need to be settled first. This will make the most dramatic change in your monthly budget. [more...]

Date: 2009-09-09 10:16:14

Things You Should Consider Before Applying For Mortgage Refinancing

Mortgage refinancing is the most popular option amongst homeowners. Besides, giving an opportunity to lower mortgage rate and saving on your interest cost on your principal amount, in addition, refinancing offers the chance for you to cash-in on home equity accumulated over the years at closing and settling higher-interest credit cards bill or auto loans and any other debts that are eating into your income. Applying for a mortgage-refinancing loan is similar to applying for a fresh loan. [more...]

Date: 2009-09-05 07:25:18

Debt Management This Recession

You may have many unpaid amount of bills accumulated in your file. Are you simply finding ways to pay them up? However, you may be in front of a situation where you simply do not have any option other than to declare yourself insolvent. In such a condition, before declaring yourself a bankrupt, think again if there is any other way left out to get out of debt fast . In most of such cases, people find out debt consolidation loans to be a great alternative. [more...]

Date: 2009-09-25 07:16:32

Where Do I Turn To Find Debt Settlement Help

September 17, 2009 | By Chris Sacco In Finance | Debt in this country has almost doubled and folks are in a lot of trouble. When it comes to your debt you do not have to feel a bit like you don’t have any options. If you are in fear of going to court because of your debt or losing your stuff, think about debt settlement. Debt settlement is the straightforward act of settling your debt with your creditors or banks. to do this correctly you may wish to get some debt settlement help. [more...]

Date: 2009-09-17 18:41:34

Debt Settlement Companies: Friend or Foe?

These days, lots of people are swimming in debt with nowhere to turn, no access to credit, and no liquidity, with their credit scores shot… and they’re wondering what to do next. Someone I know who is in this predicament just recently asked me for some input. I told them that there are various paths to the same end: to get rid of your debt or to reduce it to some extent. [more...]

Date: 2009-09-09 06:49:11

The Death of Capitalism and the Meltdown of the Nuclear Family

The division of labor has polluted our careers and aspirations and–its natural conclusion–has corrupted our families. Sexual discrimination is pervasive, especially in so-called “conservative” circles where women are relegated to the home doing chores at which even minimum wage workers would turn their noses up. Men do tedious secretarial work all day; women do mundane busywork around the house. [more...]

Date: 2009-09-22 06:00:41

The Death of Capitalism and the Meltdown of the Nuclear Family

The division of labor has polluted our careers and aspirations and–its natural conclusion–has corrupted our families. Sexual discrimination is pervasive, especially in so-called “conservative” circles where women are relegated to the home doing chores at which even minimum wage workers would turn their noses up. Men do tedious secretarial work all day; women do mundane busywork around the house. [more...]

Date: 2009-09-22 06:00:41

Debts Missing From Your Credit Report? Don't Count It Out Just Yet.

One of the top rules of managing debt is that all consumers should regularly be checking their credit reports for mistakes and inaccurate information. Mistakes by credit reporting agencies and creditors are common but typically it is minor information that is being reported incorrectly. However, there may be a rare time that a consumer is very conscious of an outstanding debt that doesn't seem to be listed on a credit report. [more...]

Date: 2009-09-28 10:00:00

Capitalism Derailed--it's a Good Thing

(Author's note: this is a revised version of a previous post.  I received some great and critical feedback, which, hopefully, is reflected here.) ... , our collective credit card is beyond maxed out: the national debt is estimated around $10.6 trillion ... Whether you recently lost your home or your job, had a pay cut, had to run up your credit [more...]

Date: 2009-01-04 23:33:36

Debt Consolidation and Reduction – Information You Need to Know

Amazon.de Widgets Why did you end up in debt?Never spend more than you earn. I’ve learned this lesson the hard way, and now I live and die by this way of life. Prepare a budget and keep it handy. Always have a good idea of the money you’re making, and where exactly that money is going when it leaves your hand. The reason you’re in debt right now is because you’ve spent just a bit more than you should have, and now you’re being punished for it. [more...]

Date: 2009-09-23 18:21:10

How Debt Settlement Help Works

September 14, 2009 | By Carolyn Jean In Finance | There are millions of men and women that are swimming in debt right now. Because of the state of the economy, folk are getting fired, their homes, everything and the debt simply piles up. If you’re looking for a method to get out from under your debt, then look into debt settlement. There is plenty of debt settlement help that you can seek ; you just need to grasp where to look. [more...]

Date: 2009-09-14 20:45:55

Enjoy The Best Credit Card Rates In 4 Ways

How do you look for the best credit card rates? You can never get a credit card without having to pay a certain interest rate. If you have not been doing your research well, though, you would realize that you’re going to pay a large sum of money, enough to distort your budget and make you work some more. Hence, learning how to obtain the most ideal rates is highly important. Before you proceed, though, you must know first what credit card rate is. [more...]

Date: 2009-09-14 14:15:55

Debt Relief

Are in debt over your head? Unfortunately, most Americans are and the bad economy right now isn’t helping them get out of debt any quicker! ... for you, they also have other solutions, such as credit counseling, debt consolidation, bankruptcy and credit card monthly payments. You will pay significantly less, though, if you’re able to take advantage [more...]

Date: 2008-11-14 19:53:21

Tell All Tuesday - Where Did August Go Edition

I can’t believe it is September already!  I guess that old saying about how time flies when you are having fun is true after all ... towards it.  With our credit card, I just threw an extra payment onto it whenever I earned some extra ... of people have asked about the idea of moving the student loan to a credit card with a 0% transfer offer [more...]

Date: 2008-09-02 19:16:05

Where Do I Turn To Find Debt Settlement Help

Where Do I Turn To Find Debt Settlement Help Debt in this country has almost doubled and folks are in lots of difficulty. When it comes to your debt you do not have to feel like you don’t have any options. If you are in fear of going to court due to your debt or losing your stuff, think about debt settlement. Debt settlement is the straightforward act of settling your debt with your lenders or lenders. to do this properly you may wish to get some debt settlement help. [more...]

Date: 2009-09-17 18:40:05

Where To Find Debt Settlement Help

Debt in this country has almost doubled and folk are in lots of difficulty. When it comes to your debt you don’t have to feel like you do not have any options. If you’re in fear of going to court because of your debt or losing your things, think about debt settlement. Debt settlement is the straightforward act of settling your debt with your lenders or banks. to do this correctly you may want to get some debt settlement help. [more...]

Date: 2009-09-17 18:40:36

Ten Credit Mistakes People Make

Most children are not trained in how to handle credit by their families other than with vague platitudes like ‘pay your bills on time’ and ‘live ... made with a little help on why to avoid these blunders. 10. Closing your paid off credit card accounts ... and close the account. The unused ‘credit available’ on that card will contribute to your credit [more...]

Date: 2008-12-24 13:39:30

Dept Settlement What Is It And How Does It Work

Dept Settlement What Is It And How Does It Work There are millions of people that are swimming in debt at this time. Due to the state of the economy, folk are losing their jobs, their homes, everything and the debt simply piles up. If you’re looking for a method to get out from under your debt, then look into debt settlement. There is plenty of debt settlement help that you can seek ; you simply need to understand where to look. [more...]

Date: 2009-09-14 20:41:21

Look Out for the Debt Settlement Tax – What to Do About It

by Sean Payne If you’re currently in debt and you may be thinking about negotiating with your creditors to settle your debts for less than you owe. What you may not know about debt settlement, though, is that it can have a significant impact on your taxes. When you pay off the debt for less than you owe, you’re effectively “earning” money. For example, if you take out a loan for $10,000, and then were unable to pay it back, but settled for $6000, you’ve effectively pocketed $4000. [more...]

Date: 2009-09-21 13:12:17

Commonly Asked Questions about Credit Card Debt Settlement

Is there a legal secret to settling credit card debt? There is no SECRET, despite debt settlement firms’ claims, to legally settling credit card debt. A credit card account is a contract between two parties. That contract can be changed if there is agreement between the consumer and the credit card bank. In this context, the most important part of LEGAL is for the consumer to get the negotiated debt reduction and its terms in writing, according to the Credit Card Debt Survival Guide . [more...]

Date: 2009-09-05 14:10:13

The Top Credit Repair Tip

The best credit repair tip you can follow is to pay off your debt as quickly as you can. Unfortunately for most people, if this were that easy they wouldn’t need credit repair in the first place. While that may be the best credit repair tip , it’s not the only one that can help. If you can make your monthly payments on time for at least the minimum amount due, you’re doing all right. But if at all possible, try the best credit repair tip: make payments that are larger than the minimum due. [more...]

Date: 2009-09-06 17:00:00

Debt Settlement Where To Find Help

Debt in this country has nearly doubled and people are in lots of trouble. When it comes to your debt you don’t have to feel like you don’t have any options. If you are in fear of going to court due to your debt or losing your things, think about debt settlement. Debt settlement is the easy act of settling all your debt with your creditors or lenders. to do this properly you may need to get some debt settlement help. [more...]

Date: 2009-09-17 18:56:02

Bill Consolidation in Recent Times

An obvious thing that is happening lately is credit card problem. It has impacted almost many people in the United States ... you worry about debt. The numbers are 1-888-335-0363. These belong to a company that is willingly to help ... , it is needed. Credit card debt consolidation takes also an important role for customers after the above [more...]

Date: 2009-01-09 15:16:23

Can Debt Consolidation Help To Eliminate Your Debts?

Can Debt Consolidation Help To Eliminate Your Debts? Do you ever feel like you know just enough about debt solutions to be dangerous? Let’s see if we can fill in some of the gaps with the latest info from debt consolidation experts.In this article, let’s talk about how debt consolidation can help a person struggling with bad debt. Generally, the category of unsecured debt consolidation loans is open to all sorts of borrowers. [more...]

Date: 2009-09-08 13:49:53

The Debt Settlement Tax Can Bite You If You’re Not Careful

If you’re currently in debt and you may be thinking about negotiating with your creditors to settle your debts for less than you owe. What you may not know about debt settlement, though, is that it can have a significant impact on your taxes. When you pay off the debt for less than you owe, you’re effectively “earning” money. For example, if you take out a loan for $10,000, and then were unable to pay it back, but settled for $6000, you’ve effectively pocketed $4000. [more...]

Date: 2009-09-20 00:37:27

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

Foreclosure brings heartache, yes, but also healing

By Julia Prodis Sulek - The power had been turned off. The house was empty. The bank was ready to take possession. But Rodney Reynolds didn’t want to leave. Every time his wife called, he’d say, “I’ve still got stuff to pack.” He spent three more nights on the carpeted floor of his master bedroom [more...]

Date: 2008-12-04 03:48:11

Real Estate: Getting From Where You Are To Where You Want To Be

When I'm driving, and get to busy main streets, I hate turning left onto major streets unless there's a light there ... % financing with a 520 credit score." Three words: Not. Gonna. Happen. But there are alternatives. Seller carry-back or raise your credit score are the first two that come to mind. Given the market right [more...]

Date: 2008-07-20 14:23:38

Debt Consolidation Information - Your Options

We are living in very tough economic times and it is at times like these that people begin to realize just how much debt that they have and wonder ... , there is debt consolidation through credit counseling services. This is when you can consolidate your credit card debt into one payment made directly to the credit counseling service. They will provide [more...]

Date: 2009-01-03 00:24:17

Consumers Ask Three Questions about Credit Card Debt Settlement

Is there a legal secret to settling credit card debt? Contrary to debt settlement firms advertising the SECRET credit card companies do not want you to know, there is no secret to legally settling credit card debt. Credit cards are contracts between consumers and credit card companies. These contracts can be legally modified if both sides mutually agree to the changes. According to the Credit Card Debt Survival Guide , for the consumer the most important LEGAL feature of a credit card debt [more...]

Date: 2009-09-02 07:07:41

Have You Considered Debt Consolidation?

One of the solutions suggested by debt specialists is debt consolidation, wherein accumulated unpaid debt can be paid through it ... , water, cable, internet connection, income and property taxes, credit card and transportation ... who do not include credit counseling first before offering options like debt consolidation service [more...]

Date: 2008-11-19 15:33:05

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

50 Ways to Save $1,000 a Year

Looking for ways to save money this year? Want to boost your savings in a tough economy with little effort or pain? Good. I’ve got 50 (fifty) ... of loot. Raise Deductibles. Get out your policy and raise the deductibles on your car and home ... your insurance costs by about 40 percent. Buy a Cheaper Car. Pimping in a flashy vehicle? A smaller [more...]

Date: 2008-09-03 03:37:35

Should I use the Debt Snowball?

A reader at The Fair Debt Collection Practices Act wants to use the debt snowball but the collection agency has placed an ultimatum on another debt… ... there after. The kicker is that we are one month away from settling a $20,000.00 debt on our other Bank ... . This is when all hell broke loose for us. He was out of work for 10 months. Slowly but [more...]

Date: 2008-11-12 01:31:33

How Can I Settle Credit Card Debt Myself?

If you’re debt right now, you’ve probably been taken for many rides from many different debt consolidation companies or offers in the mail promising ... good to be true”, it probably is. Settling credit card debt by yourself isn’t hard at all.  In fact ... much debt you have, this will depend on how much the credit card companies will knock off your [more...]

Date: 2008-11-12 18:03:41

The Twelve Biggest Personal Finance Mistakes People Make Over and Over Again

As I’ve mentioned before, I get tons of email from people describing the personal finance problems in their lives, ... . These are the people who are constantly hitting the ATM to check their debit card balance so they know how much they have to spend or the people who juggle credit cards that are maxed out. The only thing [more...]

Date: 2008-09-24 20:00:56

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

People Here Don’t Give A Crap What Kind Of Car We Drive.

And believe me, that is a welcome relief after living in Los Angeles for 13 years ... too much, and just charged myself into credit card debt - all to try to impress other people. I fell ... not afford and tens of thousands of dollars in credit card debt…for nothing! What did I have to show [more...]

Date: 2008-08-27 13:00:54

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