Debt relief articles
Showing page 6 of 25 - There are 725 Debt relief articles
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- 2007-11-13 22:16:19 - Bankruptcy: which chapter do i file?
- There is more than one kind of bankruptcy. You should understand your options before deciding which chapter of bankruptcy you are going to file for, or if you are going to file for bankruptcy at all. Often the consequences of bankruptcy outweigh the benefits so it really is a very individualized decision and should be considered carefully. Bankruptcy should not be a rash decision.Chapter 7 ...
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- 2007-11-13 22:16:19 - Bankruptcy as an option
- If your financial worries are preventing you from sleeping at night, then you may have considered bankruptcy in hope of a little relief. Usually, consumers only turn to bankruptcy if there is no other hope for them to get out of debt. Many have been to credit counseling and even consolidated their debt into lower monthly payments before they finalize their financial ruin in bankruptcy court....
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- 2007-11-13 22:16:19 - Bankruptcy: what you need to know
- Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U.S. Bankruptcy Code; however, for most consumers there are really only two viable options; Chapter 7 and Chapter 13 bankruptcy.Chapter 7, bankruptcy is entitled Liquidation: In a Chapter 7 bankruptcy...
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- 2007-11-13 22:16:19 - Why you should get out of debt today?
- The main reason for getting out of debt today, is because people with little or not debt have more control over their future:1. They have more discretionary income, meaning that you won't be living pay check after pay check as you probably are right now. Can you even imagine how nice it is to be able to go to the Spa or for a nice dinner without having to put it in the credit card, but payi...
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- 2007-11-13 22:16:19 - Assess your financial attitude and eliminate your debt forever
- Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out...I consider myself out of debt when:1.I don't owe anyone anything 2.I don't owe anyone, except for a mortgage and a car loan 3.I could pay off my credit card debts at any time 4.I'm making all my minimum monthly payments on timeIf my friend tol...
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- 2007-11-13 22:16:19 - What is debt settlement and how does it work?
- Debt settlement involves negotiating with a creditor or creditors to pay off a percentage of your total debts at an agreed upon settlement amount. Often, people choose to utilize the services of a debt settlement company rather than attempting to do it on their own. Debt settlement companies traditionally employs various negotiation strategies to help settle your debts and can eliminate between 40...
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- 2007-11-13 22:16:19 - Budgeting and debt management
- Debt management (specifically unsecured) is the first step to taking control of your money! Add a household budgeting plan and you've got a powerful tool for money management.Together, budgeting and debt management build financial security and independence. Yes, you can reduce debt and save for your future financial security at the same time! It can be done.Anyone can do it and ev...
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- 2007-11-13 22:16:19 - Currency trading fee concept
- Troubles with Global Economy; Do you see future problems with our global economic plans to make a one world system, where free trade and prosperity can rein the world over. Many world leaders have agreed a one-world system is best for all. It is in the interest of third world and in the interest of our Multi-National Conglomerates, their stockholders and the citizens of the country for us all to m...
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- 2007-11-13 22:16:19 - Reduce your debt
- Do you want to reduce your debt? Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?You're not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it ...
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- 2007-11-13 22:16:19 - Going bankrupt in the world
- It all starts by defaulting on an obligation: Money owed to creditors or to suppliers is not paid on time, interest payments due on bank loans or on corporate bonds issued to the public are withheld. It may be a temporary problem - or a permanent one.As time goes by, the creditors gear up and litigate in a court of law or in a court of arbitration. This is a technical or equity insolvency s...
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- 2007-11-13 22:16:19 - Bank like a banker
- The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for bank...
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- 2007-11-13 22:16:19 - How to negotiate debt settlements
- Knowing how to negotiate debt settlements is the key to securing your financial future. Debt negotiation is the process where in you will contact your creditors and will appeal to them with an offer to pay off the amount you owe in easier installments that decrease the principal quicker.Learning how to negotiate debt settlements can be a lengthy process and you may have to appeal to many pe...
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- 2007-11-13 22:16:19 - Debt validation: do you have to pay ?
- It happens all the time. Debt collectors try to collect on debts that consumers have no knowledge of or never owed in the first place. So, what do you do when a bill collector demands payment in full on a debt that you never knew existed? You need to request a validation of debt.A validation of debt is a request for proof that the collection agency that is contacting you owns the debt/or ha...
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- 2007-11-13 22:16:19 - How to get out of debt
- If you have found yourself in a position where you are in serious debt and cannot think of a way out of the situation, then take a few minutes to read these few tips. Some may seem obvious but do put them into practise as they will help.I am assuming that you are in a situation whereby your income for example; is £2,500 per month and your expenditure is ÂÂÂ...
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- 2007-11-13 22:16:19 - Christian debt consolidation ? feel comfortable about managing your debt
- Many Christians feel uncomfortable with the notion of being in debt, and even more so when the debt has gotten out of control. Some say that it is not acceptable for Christians to owe any money, even for such necessities as a home. Others feel that such debts are acceptable as long as debt does not place a burden on the family's finances.In recent years, the number of debt consolidation an...
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- 2007-11-13 22:16:19 - Think for a change
- I'm not sure where it originated, but I've heard it repeated time and time again: Insanity is doing the same thing over and over and expecting different results. As much sense as that statement makes, we often find ourselves addressing the same issue with solutions that are little more than rearranged expressions of previously failed solutions. Why can't we develop new solutions to persistent prob...
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- 2007-11-13 22:16:19 - Can you escape the trap of ever growing debt?
- It's difficult not to be concerned when facing numbers like these:43% of U.S. families spent more than they earned. On average, Americans spend $1.22 for each dollar they earn.Standard Households have about $8,000 in credit card debt.In the past decade Personal bankruptcies have doubledAmericans owed $1.9773 trillion in October 2003. This amount has increased 41% from w...
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- 2007-11-13 22:16:19 - Life after debt ? strategies for dealing with problem debt
- Honorably and ethically rid yourself of burdensome debts using the little known Negotiation Strategy, without having to experience the loss of control and privacy associated with filing for bankruptcy, consolidation, or credit counseling.The inability to reduce debt and saving money are the two biggest obstacles preventing Americans from living financially sound lives. National statistics s...
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- 2007-11-13 22:16:19 - Budget the luxuries first!
- Strictly speaking, his advice was preceded by another Heinlein maxim as well. "Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity." Today, that advice gets abused eight ways to Sunday, as the average household is currently carrying credit card debt to the tune of over $10,000. Assuming ...
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- 2007-11-13 22:16:19 - Debt elimination is the key to financial freedom
- If you want financial freedom, the first thing that you will need to do is to get rid of your debts. After all, as long as you owe money, you can't consider yourself to be financially free. This is due to the fact that the money you will earn in the future won't actually belong to you, as you'll have to put it toward paying off debts in the past.While there are plenty of other issues involv...
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- 2007-11-13 22:16:19 - Take careful consideration before filing bankruptcy
- Filing bankruptcy is not fun! It is a last resort if you are interested in keeping an active and acceptable credit report. Bankruptcy is the condition of bringing all your assets and deficiencies into an insolvent state. It is a state of financial loss, where your debts are canceled and it will remain on you credit report for seven years. A creditor or mortgage company will generally not lend mone...
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- 2007-11-13 22:16:19 - Personal debt reduction practices
- Personal debt reduction practices, the steps people take to relieve the debt in their lives and to become more financially free, are a hot topic among financial circles. American spending habits are producing more people who are deeper in debt rather than people trying to achieve financial freedom.The amount of debt Americans go into each year is mounting as most people strive to keep up wi...
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- 2007-11-13 22:16:19 - Debt free and carefree
- Are you still clearing a mountain of debt amassed last Christmas or even during last year's summer holiday?For those of you who make financial plans, who budget and save, you can skip this article. For those who get a little carried away, who regularly spend more than they can afford, this article is for you.Money worries affect us to the core of our beings - especially when such wor...
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- 2007-11-13 22:16:19 - The one law you should be breaking
- There is a law all smart people break.Parkinson's law.Parkinson's law states that "work expands so as to fill the time available for its completion." It was first coined by C. Northcote Parkinson in the book Parkinson's Law: The Pursuit of Progress.A common derivation of that is "expenses rise to meet your level of income." Has that happened to you? It happened to me in 1991 a...
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- 2007-11-13 22:16:19 - Whatever you do....dont save money!
- No, that's not a misprint. Even though falling interest rates are good when you want to get a loan, they are bad for people with savings accounts.In this economy your best investment, the best place to put your money is into paying off debts. Think of it as investing in your debt because that is exactly what you are doing.If you put $1,000 into a bank savings account earning 2%, at t...
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- 2007-11-13 22:16:19 - Are you sure your a bad debt?
- Many people who seek the advice and guidance of debt counsellors are driven to them in the first place by fear and ignorance ? two powerful emotions which often mask the real scale of the problems.In many cases, what you made have been led to believe is a 'bad' level of debt, may instead need only some careful reorganisation and a new set of mortgage priorities.Most adults have some ...
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- 2007-11-13 22:16:19 - Bouncing back from a ccj
- Should you be unfortunate enough to face a CCJ ? but subsequently succeed in having it either set aside or reversed - the court will automatically remove the entry from the Register of County Court Judgments.The court must send notification of cancellation to the Registry Trust within three days of the date of the order. The entry should be removed from the Register and from the credit refe...
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- 2007-11-13 22:16:19 - Debt: dont pay your minimum balance
- Almost all Americans carry credit card debt. Actually, over 40% of US families spend more than they earn. If you're like most of us, you try not to think about how much money you owe and what that debt is really costing you. If you did, you might not sleep too well. However, by not fully understanding your current financial situation you are only prolonging the problem. In order to rid yourself of...
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- 2007-11-13 22:16:19 - Eliminating credit card debt
- The overwhelming task of eliminating your debts can often seem like an uphill battle. Without the knowledge and expertise of a professional on your side, unfortunately, the odds are not in your favor. In order to reduce your debt, you have several options; however, if you want to maintain a "good credit rating", you have to pay you bills on time; anything else will cause your credit score will suf...
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- 2007-11-13 22:16:19 - How to deal with bill collectors
- So you've screwed up. You're drowning in debt. Maybe the credit card was burning a hole in your pocket and you just had to get the HDTV. Or maybe you or a family member had a medical emergency while you we laid off. It doesn't matter to your creditors; they lent you the money and now they want it back.The lender will try to work with you for a while and its best to try to negotiate with the...