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... Read More
Congress recently passed sweeping legislation that will significantly reform American bankruptcy law. Designed to eliminate the "convenience bankruptcy" of compulsive gamblers and the financially irresponsible, this legislation will make it more difficult for those seeking bankruptcy protection from the courts to have their debts relieved.Under current law, people who have... Read More
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... Read More
"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are paying $1,000s for this bogus service. One victim... Read More
An IVA (individual voluntary arrangement) is an alternative to bankruptcy introduced by the government as part of the Insolvency Act 1986. This article provides an overview of IVAs and suggests what readers should watch out for when looking for IVA advice.What Is An IVAAn IVA is an alternative to bankruptcy... Read More
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... Read More
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... Read More
Bankruptcy and Credit - What Happens After Your Debts Are Discharged?Bankruptcy will remain on your credit report for ten years. But you may be able to get credit fairly quickly - almost immediately after a bankruptcy - although you will pay dearly for it.Due to anomalies in the credit scoring... Read More
Debt is becoming number one problem in the United States Today. The average American family has at least $8,000 in credit card debt and most college students who just graduate from college have $3,000 to $5,000 credit card debt in their first year after college.I love what the founder of... Read More
The recently passed Bankruptcy Abuse prevention and Consumer Protection Act will make it harder for people with problem debt to have their debt eliminated through filing for bankruptcy. This new legislation will make it harder to have debts wiped out by the courts, and will require more debtors to pay... Read More
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Anyone considering Bankruptcy may have experienced fear after reading an... Read More
WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More
Still living from pay to pay? Or envying those great... Read More
It is always possible to negotiate with creditors ? even... Read More
Today's consumers benefit drastically from the usefulness of credit. Credit... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy... Read More
Bankruptcy is in the news these days, as Congress has... Read More
Budgeting -- ooh, what a scary word! If you want... Read More
In all the technical discussion you hear about credit... Read More
If you have incurred substantial personal debt, consider these options:... Read More
As a single mother, lets admit it, times get tough.... Read More
Let's look at a real world example: A woman purchased... Read More
Good credit is everyone's dream. A wise use of credit... Read More
Filing bankruptcy is not fun! It is a last resort... Read More
You go to the mail box and scan - a... Read More
If you once have been caught in the debt trap,... Read More
Bankruptcy still remains a mystery in the eyes of many... Read More
It seems as though whenever we go out for the... Read More
If you are determined to pay credit card debt off... Read More
You may not realize what that credit card bill is... Read More
As vice president of the American Credit Foundation, a nonprofit... Read More
Strictly speaking, his advice was preceded by another Heinlein maxim... Read More
Decreasing your debt is paramount to having a good credit... Read More
With mounting bills and unforeseen hardships, you may be considering... Read More
Are you among the millions of people who have found... Read More
There is more than one kind of bankruptcy. You should... Read More
Credit counseling is a viable option for those who are... Read More
Are you still clearing a mountain of debt amassed last... Read More
Last April, Congress passed the Bankruptcy Abuse and Consumer Protection... Read More
Sometimes debt can seem overwhelming. In those instances, or even... Read More
Bills, creditors, debt collectors. Are you yearning for the days... Read More
Getting Behind Getting behind on your debts owed can be... Read More
The New Year often brings with it a desire to... Read More
Sometimes debt can seem overwhelming. In those instances, or even... Read More
There are some new bankruptcy laws going into effect before... Read More
In all the technical discussion you hear about credit... Read More
1. Eliminate the legal obligation to pay many of your... Read More
As vice president of the American Credit Foundation, a nonprofit... Read More
Financing a college education is one of the more expensive... Read More
With the high cost of gasoline and the amount of... Read More
Step 1. The purpose of this first step is to... Read More
Are you still clearing a mountain of debt amassed last... Read More
Negotiations with creditors have failed. Repossession is imminent and foreclosure... Read More
What Is an IVAThe IVA (Individual Voluntary Arrangement) was introduced... Read More
Do You Need to Join a CCCS - Consumer Credit... Read More
While driving around your community, you may have seen signs... Read More
Signing up for a debt management program is easy; it's... Read More
Debt negotiation and settlement can give you a drastic reduction... Read More
Yes, debt collection tips can help. You may think you... Read More
Debt relief is a topic on a lot of consumers'... Read More
The first and maybe most important step in a debt... Read More
If you once have been caught in the debt trap,... Read More
Last April, President Bush enthusiastically signed into law the oddly-named... Read More
What Everybody Needs To Know...Learn The Truth About Debt Elimination... Read More
On April 20, 2005, President Bush signed into law the... Read More
A few times I wonder what sort of credit system... Read More
People often get to a place where they simply can't... Read More
We have all experienced getting so far in debt we... Read More
Knowing how to negotiate debt settlements is the key to... Read More
Are you among the millions of people who have found... Read More
The main reason for getting out of debt today, is... Read More
Here is a useful guide to bankruptcy. It should be... Read More
Ask a friend what resolutions they made for 2004 and... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy... Read More
Planning To Achieve Debt EliminationOnce you have started the process... Read More
After October 17, 2005, a lot of people are going... Read More
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