Debt relief articles
Showing page 4 of 25 - There are 725 Debt relief articles
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- 2007-11-13 22:16:19 - Establish money saving goals for added success
- Having something tangible to strive towards can work wonders for your money-saving efforts. To those of you that have already been actively implementing money-saving tips in order to lower your monthly bills, for added inspiration, establish a meaningful goal along with a specific dollar amount.For those of you just starting your money-saving quest, having a goal to strive towards will help...
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- 2007-11-13 22:16:19 - Debt settlement
- What is debt settlement?Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay. The reduction is usually between 30-60% of the total original debt amount.Attributes of Debt Settlement:Debt Settlement programs gives you...
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- 2007-11-13 22:16:19 - British families and debt
- There is current concern from the Bank of England that British families are getting deeper into debt, however, it has been said that lenders are putting themselves at risk because people are now more willing to make themselves bankrupt.Despite people already having significant amounts of debt, credit card companies are still prepared to lend these people money. This is a combination of a cr...
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- 2007-11-13 22:16:19 - Secrets to why debt reduction is so vital for your financial health
- Living with debt is never a good idea if you want to make long-term financial plans. Every cent you use to service debt is money that could have been invested in your future. Investment is extremely important, and can lead to a more comfortable and secure retirement. Just as smart investment can lead to a more secure future, mismanaging your money and incurring debts can lead to financial difficul...
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- 2007-11-13 22:16:19 - Your secret weapon... a budget
- For many, the word 'budget' immediately sends shivers down the spine. Why in the world would anyone need or want to budget their money?First off, budgeting your money does NOT mean you are poor, or are in need of financial assistance. You'd be surprised to know how many considered to be "middle class", regularly budget their money in order to make the most of what they have.Secondly,...
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- 2007-11-13 22:16:19 - Getting past the idea of budgeting & saving money
- I'm sure you'll agree that budgeting, saving money, and eliminating debt are very appealing ideas. If effectively tackled, these goals can secure your financial status for the future, and allow you to live a comfortable, debt-free life.However for some unfortunate reason, these important financial goals hardly ever get accomplished, and most will continue to go through life consistently wor...
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- 2007-11-13 22:16:19 - Save money when going out
- It seems as though whenever we go out for the night, it costs much more than we originally intended to spend. Having a 'night on the town' shouldn't cost you a whole weeks salary.Keep in mind that the amount you spend is directly related to the place you go and what you purchase. If you are attending an opera with private balcony seats, followed by an elegant candle-lit dinner . . . . plan ...
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- 2007-11-13 22:16:19 - The bankruptcy code acknowledges the validity of the homestead exemption
- Many times the subject of bankruptcy seems baffling in its complexity. Actually the basic principals of bankruptcy are fairly simple even though the federal statuses on bankruptcy are extensive. The reason that the statutes are so complex is because in as effort at social engineering, the lawmakers want to cover every possible contingency. The very complexity of the Bankruptcy Code gives the lawye...
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- 2007-11-13 22:16:19 - Pay off your student loans and reduce your debts
- Financing a college education is one of the more expensive debts you may incur. Student loans can take years or even decades to pay off. Making late payments or missing payments all together can result in a poor credit rating and collections on your accounts. Millions of people have found themselves owing large sums of money due to student loans and other unsecured debts. Finding a way to eliminat...
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- 2007-11-13 22:16:19 - Debt negotiation and debt settlement
- Debt negotiation and settlement can give you a drastic reduction in the amount of debt you owe and allow you to repay your debts in a much shorter time. Resolving your debts is important to your well-being and financial stability. Debt negotiation is a way out of debt without filing bankruptcy. Paying your debts off at a much lower interest rate and lowering your monthly payments will have a bette...
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- 2007-11-13 22:16:19 - Your ticket out of debt relief
- If you are in debt over your head and wondering if you will ever find a way out, the answer is yes! Serious financial problems can make life miserable and cause a great deal of stress and worry. Many people have found themselves in the situation of avoiding calls from creditors and wondering how they will ever get out of debt. Debt relief is not impossible. There is a way out of debt and you can b...
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- 2007-11-13 22:16:19 - Dont drown your debts, manage them!
- Are you among the millions of people who have found themselves unable to make even the minimum payments on credit cards and other unsecured debts? If so, there is relief in sight. It is no longer necessary to keep paying constantly but never really make any progress towards reducing or eliminating your debts. You can manage your debts, reduce the amount you pay each month, and begin to decrease yo...
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- 2007-11-13 22:16:19 - Is filing for bankruptcy an option for you?
- Bankruptcy laws give debtors a way to resolve debt by dividing their assets among their various creditors and in some cases will allow debtors to be freed of outstanding debts that cannot be paid, even after the division of assets. For individuals who find themselves unable to pay their debts, bankruptcy can be a viable option. As a debtor, you are entitled to file for bankruptcy. There have been ...
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- 2007-11-13 22:16:19 - Bankruptcy: what the new law means to you
- On April 20 of this year, President Bush signed a bankruptcy reform law. When this law goes into effect in October of this year, it will be much more difficult for Americans to use Chapter 7 bankruptcy to get a fresh start on their financial lives.Under current law, you can choose to file either a Chapter 7 or Chapter 13 Bankruptcy. In a Chapter 7 proceeding, you are allowed to keep your ex...
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- 2007-11-13 22:16:19 - Home equity ? foreclosure often not necessary in current market
- While driving around your community, you may have seen signs posted on telephone poles that offer "foreclosure help." These seemingly generous offers to help financially troubled homeowners who are in danger of losing their homes to foreclosure are actually scams. Typically, the "help" comes in the form of an offer to buy the home for a reduced price from the homeowner. The sca...
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- 2007-11-13 22:16:19 - 5 options toward debt relief
- If you are in debt, well over your head in debt that is, there are options to help you overcome this situation. Let's examine five possible responses and uncover which ones lead to true debt relief.1. Declare bankruptcy. Not as easy as it used to be especially since Congress passed and the president signed into law legislation to toughen personal bankruptcy laws earlier this year. St...
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- 2007-11-13 22:16:19 - How to reduce your debt in 5 easy steps
- If you have incurred substantial personal debt, consider these options: budgeting, debt consolidation, credit counselling from a reputable organization and working with your creditors. You will need to choose a debt reduction method that will work best for you? The method you use will depend on your level of debt, how much spare money you have, your level of discipline, and how quickly you want to...
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- 2007-11-13 22:16:19 - Help to get out of debt
- Debt Help is the stepping stone to debt elimination and financial recovery. Debt help analysis guides you to save thousands of dollars in interest charges. Consolidation of your credit card debts and other unsecured bills will allow you to get out of debt as quickly as possible, save money on interest and late fees, stop creditor harassment, save your good credit rating or begin immediately to rep...
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- 2007-11-13 22:16:19 - How do i lower my debt burdens?
- How do I lower my debts?There are several ways of improving your credit status. If you have decided upon taking up firm steps to decrease your debts, then you may consider these few ways for dealing with the situation.1. Debt Relief:Try to negotiate with your creditor to come to an agreement by which a part or the whole debt will be forgiven. This will be a mutual agreement be...
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- 2007-11-13 22:16:19 - Is independence overrated?
- Happy Independence Day from The Money Motivator!If you don't celebrate "The 4th of July" like we do in the United States, today still presents you with an awesome opportunity to examine your independence.Independence means the quality or state of being dependent. The word dependent means not subject to control by others, according to Merriam-Webster Online Dictionary.A full 95...
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- 2007-11-13 22:16:19 - Fast track out of debt
- You go to the mail box and scan - a couple fliers (nah), your magazine subscription (yes!) and bills (groan). Every month the bills show up and as you sigh and take out your check book you wonder if you will ever be free.Each month you pay the minimums and although you KNOW you've got a handle on it - you are not charging your credit card or accumulating new debts anymore - it seems that yo...
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- 2007-11-13 22:16:19 - Debt handling solutions
- Sometimes debt can seem overwhelming. In those instances, or even before things get that far out of hand, get back to basics and try some of these debt handling solutions.BASICS ? Lower insurance deductibles for your homeowners, renters and vehicles policies where appropriate and save money. Don't take chances on bouncing checks; instead get covered with overdraft protection and pay about t...
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- 2007-11-13 22:16:19 - Credit card debt: how to get rid of it
- This method is simple, but requires some discipline.First, you have to stop any new spending on your cards.Second - you'll need to examine all of your spending. You'll need to know how much extra money you'll be able to put towards paying off your cards.Credit card companies generally determine the minimum payment to be 2 - 2.5% of the outstanding balance. So if you owe $1,000...
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- 2007-11-13 22:16:19 - The road to debt relief
- Living with debt is not something someone hopes for, but it happens and it usually becomes far more severe than it should before something is done to eliminate it. Once many individuals realize they have a problem with debt, they are too embarrassed to ask for help so they let themselves dive further into debt. Being embarrassment and ashamed are regular emotions many encounter when they realize t...
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- 2007-11-13 22:16:19 - Corporate debt management ? perspective on the why
- Entrepreneurs have a tough time in their formative years. They try too many things to get a foothold on this competitive business climate, and that too they try them too soon. When they enter into new fields that have great promise and bet on new products they run the risk of costly failures. New product launches are costly and sometimes may take time to click. Risk is one factor which keeps the B...
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- 2007-11-13 22:16:19 - Credit repair? its all up to you
- Log onto to a search engine such as google.com and type in the term credit repair. It's likely that Google will return more than 25 pages of listings, many of which will be companies claiming they can "erase bad credit," "create a new credit identity ? legally," " credit problems ? no problem." "quick credit repair," and on and on.Here's the good and ...
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- 2007-11-13 22:16:19 - Debt and financial optimism in the uk continue
- With £1.3 trillion pounds worth of debt in the UK, Scotland's Citizens Advice Bureau has welcomed a new Bill to regulate lenders and protect borrowers from creating un-repayable levels of personal debt.Chief executive Kaliani Lyle said: "For years, Citizens Advice Bureaux have been dealing with case after case of ordinary...
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- 2007-11-13 22:16:19 - How to avoid bankruptcy
- Bankruptcy is a legal way to offer folks with high interest debt a fresh financial start in life. In case you are considering personal bankruptcy as an answer to your debt problems, you are not alone. Bankruptcy is on the up and up as consumer debt explodes. Additional reasons for turning to bankruptcy for credit card debt alleviation include medical costs and job loss.The two main types of...
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- 2007-11-13 22:16:19 - Debt getting you down? - make a list!
- Debt is not much fun and when faced with it, people sometimes look for complicated debt solutions and often overlook the many simple ways that you can save money. Believe it or not, one of the simplest and most effective debt solutions is to get hold of a pen and a piece of paper and make a list. By this I mean that keeping a daily record of your expenditure can reveal some interesting facts about...
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- 2007-11-13 22:16:19 - New bankruptcy law ? targeting the wrong people?
- Last April, President Bush enthusiastically signed into law the oddly-named Bankruptcy Abuse and Consumer Protection Act. This bill, representing the biggest overhaul of bankruptcy law in twenty-five years, was written in order to discourage "bankruptcy of convenience." Proponents of the bill, which included the credit card industry, say that the bill is necessary in order to stop an ava...