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Debt and Debt Consolidation Articles
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- Maxed out your credit cards? Max out your payments, too - by Submitted on Feb 05, 2016 from Kevin RobertsonWe all hate getting our credit-card bill weeks after the benefits of retail therapy have worn off. After you check your statement, you might choose to pay off the balance in full by the due date. You'll pay no interest, thus you're using your credit card wisely. On the other hand, you ...
Views: 1111 - What Not to Do When Refinancing - by Submitted on Nov 11, 2015 from Geoff ClarkIn 2003, we closed on a house in the inland empire in Southern California. We were at the end of phase 1 in a multiple phase new home site. We knew something interesting was happening in the market as we were gaining equity while the house was being built. In the short period that it took to ...
Views: 1688(1 vote) - Writing Off Debts: Is This Process Right for Me? - by Submitted on Sep 30, 2015 from Stephanie FrascoWriting off your debtis one way that debtors and creditors get rid of debts. When this process is done illegally, the collection calls and letters come into your mail constantly. When the process is done legally, usually through the process of an IVA, you avoid paying off debts. Know more about ...
Views: 1667 - Debt Consolidation: Is it the Solution to Paying off Debts? - by Submitted on Jul 01, 2015 from Jay PasanaHandling debt is always challenging for many people. So when there are ads that mention that you could end up debt-free and possess lower monthly bills, the first thing that comes to your mind is that this may be the solution to getting out of debt. It looks like it's a win-win method for the ...
Views: 1036 - The Best Thing to Do in Paying Off Your Debts - by Submitted on Jun 29, 2015 from Jay PasanaFor many individuals, eliminating debt is truly one of life’s challenges. Unless you start out thinking hard and intensely would like to get out of it, you'll finally end up living your life filled with debts. So, how are you about to settle the money you owe? You may choose either one of the ...
Views: 1054 - Prepaid Debit card and Credit Card, What's the Difference? - by Submitted on Mar 22, 2015 from Paul JuellDifference between a Prepaid Debit Card and a Credit Card A prepaid debit card and a credit card are virtually the same in appearance. In fact, they are used in much the same way; you find a product or service you want and give the merchant or service provider your card for payment. While ...
Views: 1443 - Five Ways to Motivate Yourself to Get Debt Free - by Submitted on Feb 13, 2015 from Dixie SomersPaying off your debt balances is one of those things that you may know needs to be done, but you may struggle to find the motivation to get started and to stick with your effort. Finding a way to get motivated to finally take action can help you to achieve the goals that you have established for ...
Views: 1786 - Why unsecured business loan is beneficial - by Submitted on Mar 27, 2020 from Arwind SharmaAs entrepreneurship is gaining a strong footing in the world with the passage of time, more and more 9 to 6 job workers are switching to become entrepreneurs. This has increased the need for more financial resources in order to support and encourage better opportunities for success and growth. ...
Views: 1596 - Bankruptcy Alternatives to Consider Before You Declare - by Submitted on Jan 21, 2015 from Hannah WhittenlyMany decisions cannot be reversed when it comes to the brutal world of personal finance. Think bankruptcy is the only option? Read on to learn about some great alternatives. A bankruptcy will stay on your credit report for up to seven to ten years, and can drag your credit score significantly ...
Views: 2273 - How Loan Against Shares Is Beneficial - by Submitted on Mar 27, 2020 from Arwind SharmaLoan against shares has slowly yet surely gained its place in the financial market. With the course of time, this kind of secured loan has started being considered as a wise financial instrument for people. It is especially useful when you are hit by a sudden and unexpected monetary requirement. ...
Views: 1360 - Avoiding Home Loan Problems - by Submitted on Jan 19, 2015 from Arwind SharmaHome loan application and borrowing needs some toil. The market today is flooded with various loan plans and schemes. But it is a tough choice to finalize the deal with one single lender. This is because each company or bank is offering attractive home loan features and benefits. Home loans ...
Views: 1568(1 vote) - Are you still singing "The Economy is Slow" Blues? - by Submitted on Dec 02, 2014 from Kathleen GageOver the last few days I have had several conversations with friends and clients about their businesses. Many are thrilled with the fact business is picking up while others immediately go into, "The economy is still slow. That's why my business isn't picking up." For some, The Economy is ...
Views: 1486 - Tips To Apply For Loan against Property - by Submitted on May 27, 2020 from Arwind SharmaIn this fast paced world, where almost everything is getting changed, possessing your own house or property is an essential requisite. Not only does your house help you to feel and stay rooted, giving you a certain sense of belongingness, but also assists you in times of need. Taking a certain ...
Views: 1521 - Use Personal Loan For Debt Consolidation - by Submitted on Feb 14, 2019 from Arwind SharmaDebts and unpaid credit card bills can paralyze anyone’s life. People do not actually want or ask for it. However, due to urgent requirements, out of budget spending and personal emergencies, one gets caught in the rut of loans and debts. If you are standing neck deep in bad debt and want to ...
Views: 1495 - Fixed Deposit As A Sensible Investment Tool - by Submitted on Feb 15, 2018 from Arwind SharmaAmong the many investment programs and financial propositions which are functioning in the market today, fixed deposit is considered to be a beneficial financial product. Fixed deposit is an investment tool which is offered by banks and financial institutions of both public and private sector. ...
Views: 1531 - Know Debt Consolidation To Become Debt Free - by Submitted on Mar 27, 2020 from Arwind SharmaToo many unpaid bills and credit dues pull your mind into multiple directions. This consumes a lot of your productive energy, making you feel and look haggard. It therefore, becomes easier when you opt for a good debt consolidation loan plan. Consolidation of all your smaller debts into one ...
Views: 1389 - Personal Loan-Pathway To Accomplish Dreams - by Submitted on Oct 09, 2014 from Arwind SharmaSo, you want to throw a grand birthday party for your kid, go on your much awaited vacation to Bali or buy that latest 40 inches smart HD TV! Catering to your needs as well as desires, in the middle of day to day expenses can be challenging. After all, how are you supposed to spare extra money ...
Views: 1415 - Dear Dr. Romance: Throughout the years, there has been financial infidelity - by Submitted on Sep 09, 2014 from Tina TessinaDear Dr. Romance: My husband and I have been married for over thirty years. Our children are grown. We own our home , but have a mortgage. Throughout the years, there has been financial infidelity: When we got married, my husband was evading bills from retail stores. I ...
Views: 1612 - How To Manage Debt - How Much Is Too Much? - by Submitted on Aug 21, 2014 from Tracey FieberYou can be super talented at what you do, but STILL not make money and this is the most frustrating problem of all. If you have a problem with debt, it's important not to panic but don't ignore it either - it wont go away. Sometimes taking on debt is unavoidable in order to keep your business ...
Views: 1803(1 vote) - Debt Consolidation Tips for Millennials - by Submitted on Apr 01, 2014 from Chris LindseyExtraordinary costs for education, endless digital gadgetry, and the ease of getting credit cards means that the average Millennial carries debts that are difficult to pay off. Bachelor's degrees that reward students with minimum wage jobs and thousands of dollars in student loans burden ...
Views: 2948 - What I Learned About Money From Louise Hay - by Submitted on Feb 28, 2014 from Heather DominickI’d like to share with you what I learned about money from Louise Hay in a workshop I took with her about 15 years ago. If you don’t know who she is, Louise Hay is pretty much a founding mother, in regards to the world of healing and energy work. She’s best known for her book; You Can Heal ...
Views: 2045 - A Credit Restoration Now Plan of Action - by Submitted on Sep 15, 2013 from Freddie StewartWhen you finally made the decision that it is time to improve your credit history, hug yourself. You know that the only way things are going to get better for you financially, spiritually and physically are if you stand up and take action. You know you have to put forth the effort in order to ...
Views: 2099 - Organization lending products is simple Intended for Private business owner to Get - by Submitted on Sep 02, 2013 from mil brainA permanent financial service is a necessary to incorporate large to any kind of enterprise. Virtually any initial enterprise an enterprise development approach demands strong functioning money assisting. When you’re running your own business, you’ll comprehend the importance involving your own ...
Views: 1679 - Know Your Rights Against Unfair Debt Collection Practices - by Submitted on Aug 21, 2013 from Larry SmithConsumers are being bombarded with attempts to collect old debts where the legal responsibility to pay the debt has been extinguished. Collectors attempt to coerce people to make payment on a debt that is too old to file a lawsuit against and too old to mention on a credit report. With no real ...
Views: 1934(1 vote) - 4 Ways To Regain Credit At Age 40 - by Submitted on Jul 08, 2013 from Missy DiazIt’s always important to carry and maintain good credit, even more so when we reach an age where major purchases are to going to be made. Purchases such as a first or second home. Unless you plan to buy outright and pay cash, good credit is essential. As we turn to midlife around the 40 year ...
Views: 1439 - How the Fair Debt Collection Practices Act Works as a Shield to Protect and Sword to Attack Debt Collectors - by Submitted on Jun 25, 2013 from Ken GibertI have sometimes spoken of the Fair Debt Collection Practices Act (FDCPA) as both a “shield” and a “sword” - a fairly common legal metaphor for a law which has both offensive and defensive capabilities. Let's consider a few of those capabilities in this article. FDCPA as a shield The FDCPA ...
Views: 1679 - What You Need to Know about Debt Reduction Plans - by Submitted on Jun 29, 2013 from Ken GibertMost debt reduction plans play a sort of “chicken” with your creditors. The way they work is that, when your situation becomes really dire, you stop paying as many bills as you can and start saving a pot of money that you will eventually use to pay all of them off at the same time. When you have ...
Views: 1435 - Estimating Risk and What Your Case is Worth to the Debt Collector in Debt Litigation Cases - by Submitted on Jun 04, 2013 from Ken GibertRisk and value are two sides of the same coin in litigation. Having a firm understanding of what the debt collector thinks its risking when it goes after you versus what it thinks it can get will allow you to change that equation so the debt collector decides to drop the case against you and go ...
Views: 1428 - The Fair Debt Collection Practices Act (FDCPA) - Consumers Have Rights - by Submitted on Jun 04, 2013 from Ken GibertThe Fair Debt Collection Practices Act The Fair Debt Collection Practices Act (FDCPA) was enacted to put an end to some of the worst practices of the debt collection industry. It's been a very good law, but the debt collectors are still doing many of the things the law was designed to ...
Views: 1353 - How to Avoid the IRS Crippling Your Business - by Submitted on May 08, 2013 from Henry GoudreauBusiness winds down, payments slow up and cash flow barely exists. To compensate, you delay paying Uncle Sam. Before you know, the IRS is knocking on your door, assessing fines, fees and interest. You know you owe. You’ve checked that, but what do you do when you haven’t got the ...
Views: 1106 - Filing for Bankruptcy is Not Shameful - by Submitted on May 05, 2013 from Stephanie MojicaA lot of people who must file for bankruptcy feel ashamed. Some of the people I’ve coached around financial freedom feel that their need to file for bankruptcy proves that they are “bad with money” or “unworthy.” Nothing could be further from the truth. No, bankruptcy is not an easy decision ...
Views: 2139 - How To Compare Balance Transfer Credit Cards - by Submitted on May 02, 2013 from Joshua RodriguezIn many cases, consumers are paying higher interest rates than they should and, they know it! In these cases, balance transfer credit cards may be a great option. These special cards allow consumers to transfer balances from other high interest rate credit cards and, consolidate multiple ...
Views: 1544 - Highly effective Ways on How to Make Money Fast - by Submitted on May 06, 2013 from jade willsmithStart up your own company in case you're now building below average, it is extremely helpful to earn money online. Figures state that the general public that start off profitable web based business ordinarily fall short or simply quit. An individual's specific is to always determine what the ...
Views: 1451 - What If I Can’t Pay Credit Card Debt? - by Submitted on May 05, 2013 from Stephanie MojicaWhenever you apply for an account – whether by mail, telephone, Internet, or in-person – you are signing a legally binding contract. Thus, if you are unable to pay the bill for any reason the lender can legally sue you and also pursue garnishment of a portion of your wages. In some states, a ...
Views: 1604 - External debt - by Submitted on Apr 19, 2013 from rajiv mahajanExternal debt External debt (or foreign debt) is that part of the total debt in a country that is owed to creditors outside the country. The debtors can be the government, corporations or private households. The debt includes money owed to private commercial banks, other governments, or ...
Views: 1113 - Debt Relief Motivator: Set Up Debt Milestones - by Submitted on Apr 17, 2013 from Samantha SeiffertIf you look at the statistics, most of the debt relief options have a high rate of debtors who gave up and never finished what they started. This can be caused by a lot of things. It can be due to insufficient funds or they found a better way to pay for their credit obligations. But most of the ...
Views: 1862 - SelfGrowth: How To Prioritize Between Debts And Expenses Despite A Limited Income - by Submitted on Apr 16, 2013 from Samantha SeiffertOne of the factors that make a life in debt very difficult is the fact that you need to squeeze in your credit payments on top of your usual expenses. In most cases, the additional amount is not enough to cover both. When faced with this scenario, you need to choose between your debt and your ...
Views: 1831 - How To Bounce Back From The Financial Crisis Brought By Your Debt - by Submitted on Apr 16, 2013 from Samantha SeiffertWhen you are in debt, you realize that rebounding from the financial crisis will be your biggest aspiration at the moment. Your very thoughts will be filled with the desire to get yourself out of it. This is a natural response for anyone who is burdened with credit obligations that have gone out ...
Views: 2133 - How To Keep Discouragement From Ruining Your Debt Relief Efforts - by Submitted on Apr 09, 2013 from Samantha SeiffertIf you think about it, your greatest opponent in debt relief is actually yourself. Despite the effectivity of the debt relief option that you will choose, if you cannot commit to it, you will find it very difficult to get out of your credit problems. In most cases, people start with their ...
Views: 1640 - The Merits of Credit Card Debt Consolidation for People - by Submitted on Apr 01, 2013 from Tom James FranklinThe whole concept of debt consolidation is to replace all of your debts or part of your debt with one single debt as repayment of this loan with one regular payment instead of many repayments, is easier to manage and control. Depending on the skill of your debt manager, you may end up repaying ...
Views: 1252 - How To Make A Frugal Budget - by Submitted on Mar 26, 2013 from Samantha SeiffertSubmitting to a budget can prove to be life changing. It can literally alter how you live every day because of the expenses that you have to let go or change. The usual scenario for a budget is to make sure you spend less and some people are hesitant to go about this change because of it. ...
Views: 1781(1 vote) - What Not To Do During Debt Negotiation - by Submitted on Mar 26, 2013 from Samantha SeiffertDebt settlement is an effective debt relief solution and the great news is, you can do it on your own. Some people think that this is best left in the hands of a professional. While there is nothing wrong with that, there is a service fee that you need to pay for on top of the actual settlement ...
Views: 1619 - How To Make Smart Debt Decisions - by Submitted on Mar 26, 2013 from Samantha SeiffertWhile debts should really be avoided, you need to understand that there are smart ways to go about your debt decisions. In today’s fragile economy, you really have no choice but to practice wise spending habits. Gone are the days when you can just swipe your cards for every little purchase ...
Views: 1653 - Debt Managers to Help You Through Bankruptcy Proceedings - by Submitted on Mar 25, 2013 from Devid PitersionThe financial crisis that has affected many parts of the western world may not have much of an impact in Australia, because of the thriving economy. But there have been cases of families that have not made this transition, and are under tremendous financial stress. On closer analysis, it has ...
Views: 1077 - Helpful Points About Debt Consolidation By Debt Manager - by Submitted on Mar 25, 2013 from Devid PitersionThere has been an ongoing crisis in the banking world ever since the US sub prime crisis of 2008-2009, though it has not been much evident in Australia. These problems were laid at the feet of many banks and bankers sanctioning housing loans without any due diligence to individuals and ...
Views: 1113 - Why Whole Life May be a Better Choice for Seniors over Term Life - by Submitted on Mar 20, 2013 from Chris BeardSeniors who have yet to put insurance into their retirement plan may find that a small amounts of whole life is the best option for protecting a spouse or providing final expenses after they are gone. While many people may have already purchased some form of term policy for the protection of a ...
Views: 1893 - Debit Card Processing is a Complex Process - by Submitted on Mar 12, 2013 from Kirk KarsIf you look at the diagram of the debit card processing process, it may at first seem as a confusing maze of many different processes and multi-layered parts. But a closer look will show that there a few basic parts of the process, while other parts, although they can augment the process, can be ...
Views: 982 - Cost Friendly Weekends For People In Debt - by Submitted on Mar 11, 2013 from Samantha SeiffertWho ever said that you should stop having fun when you are in debt? Even if your budget is limited and most of your extra money is going to your debt payments, that does not mean you should suck out all entertainment activities. You can choose among many cost friendly activities that may ...
Views: 1492(1 vote) - How To Minimize Debt Payment Obligations - by Submitted on Mar 11, 2013 from Samantha SeiffertBeing in debt puts you in a different level of financial restriction. You need to understand that you need to put as much amount into your debt payments as you possibly can. That could mean increasing your income or decreasing your expenses. The difference between the two will be your disposable ...
Views: 1453 - What Budget System Should You Use For Financial Management? - by Submitted on Mar 05, 2013 from Samantha SeiffertA budget is not the easiest plan to follow. At the very least, it takes some time to get used to monitoring every penny that you spend on a daily and monthly basis. This is actually why some people are not enthusiastic in submitting themselves to these plans. Not only do they perceive it to be ...
Views: 1564(1 vote)