OK, so you are up to your head in debt. You are stressed out, it is now affecting the way you function and absorbing most of your daily thoughts. You have no idea what to do.OK, first things first. Take a step back and try and look at things with... Read More
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... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy law that will go into effect on October 17, 2005. It's called the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," and it means big trouble for Americans struggling with debt problems.What effect will the new bankruptcy law have... Read More
Anyone considering Bankruptcy may have experienced fear after reading an article written in The Mail on Sunday with the headline "Bankruptcy cheats face crackdown". But, how much of what was written was in context of the reality of Bankruptcy as it is today?The article implied that since The Enterprise Act... Read More
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... Read More
Who are these people anyway? They viciously harass you and call you bad names. They embarrass you beyond belief by leaving detailed messages with your neighbors and at your workplace. In extreme cases, they have been known to stalk you!Debt collection agencies are hired by your creditors to do their... Read More
To be out of credit card debt is your dream and you're tired of the redundant advice to live within your means. Look no further.Most people that give advice about how to get out of debt, have absolutely no clue why things are the way they are. None of them... Read More
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... Read More
FTC opinion letter on validation Section 809(a) of the FDCPA, 15 U.S.C. § 1692g(a)This will be a pretty long lesson and will cover an integral part of validation which is the receipt of the initial or first contact with the debtor by a collector which usually gets thrown in the... Read More
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,... Read More
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Many people who seek the advice and guidance of debt... Read More
Your FICO score or credit score as it's commonly called... Read More
Yes, debt collection tips can help. You may think you... Read More
A few times I wonder what sort of credit system... Read More
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"Legally terminate credit card debt! You can be debt-free in... Read More
FTC opinion letter on validation Section 809(a) of the FDCPA,... Read More
Happy Independence Day from The Money Motivator!If you don't celebrate... Read More
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(Money You Don't Have to Pay Back) 1. One way... Read More
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I'm not sure where it originated, but I've heard it... Read More
The United States Senate passed a law on March 10,... Read More
Step 1. The purpose of this first step is to... Read More
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What is debt settlement?Debt Settlement is a process to settle... Read More
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You may not realize what that credit card bill is... Read More
1. Eliminate the legal obligation to pay many of your... Read More
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Strictly speaking, his advice was preceded by another Heinlein maxim... Read More
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Yes, debt collection tips can help. You may think you... Read More
1) Use your AssetsIf you have assets with some significant... Read More
Most American consumers are living too close to the edge.... Read More
Debt Management plans offer credit counseling clients a different and... Read More
While driving around your community, you may have seen signs... Read More
Do You Need to Join a CCCS - Consumer Credit... Read More
Debt Relief |