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.
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Bouncing Back from a CCJ
Got a CCJ?
Cant get credit?
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Craving For Financial Freedom
Many people crave for financial freedom. But what is it? And can anybody actually achieve it?
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Creating A Realistic Budget
Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. But budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.
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Credit Card Debt & the Unfairness of the Universal Default Clause
The credit card industry, fearing huge losses, decided to enact this little known clause referred to as The Universal Default Clause. Simply stated, they feel the credit card companies should have the right to increase one's APR if a consumer is late on any other credit card or debt entity, including outside bills such as phone, cable or utilities. This clause is purely an excuse to collect more money for credit card companies who invoke the clause.
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Credit Card Debt Freedom is Possible
Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.
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Credit Counseling or Bankruptcy: Which is Best for You?
People often get to a place where they simply can't pay their bills, especially in today's economy which is not particularly sympathetic toward the poor or even the middle class. Inflation has impacted nearly every facet of daily life including food, gas, rent, clothes, utility bills and more. At the same time, salaries, especially in the lower ranges, have utterly failed to keep pace. When you get to the place where you cannot pay your bills...
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Debt
We all know about debt. If you don't have too much as an individual you can increase the quality of your life, but with more than you can handle it can make your life a nightmare.
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Debt Elimination
If you're reading this article right now I'm sure that you are looking for a debt elimination system that will help you get out from under you personal mountain of debt. Hopefully you're not looking for the magic pill that will suddenly dissolve your debt problem. I'm afraid that I have to tell you that there is no magic debt elimination system.
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Is It Possible to Be Sued For My Debts?
It is possible for creditors and third-party collection agencies to use legal means as a way to collect debts. The likelihood of being sued or having your wages garnished depends largely on the creditor that is owed money.
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IVA: Individual Voluntary Arrangement
This article discusses the benefits of an IVA (Individual Voluntary Arrangement) and how it can help those facing serious debt. It discusses the advantages and disadvantages of an IVA by answering the most frequently asked questions about them.
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Mr. Cheapie's Frugal Budget Tips
So you feel like a hamster spinning your wheel? The faster you run, the faster the wheel spins. Just when you get a raise, you notice the price of hamster wheels jumps! Mr. Cheapie is here with h...
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New Bankruptcy Law Targeting the Wrong People?
The recently passed bankruptcy legislation was written to discourage the financially irresponsible from filing for bankruptcy out of convenience. It appears that this legislation may be both misguided and targeting the wrong people.
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Personal Bankruptcy: Last Option To Legally Stop Bill Collectors
Do you have stacks of unpaid bills?
Are you in debt?
Are bill collectors hounding you?
Are you frustrated and annoyed and wish to get them off your back?
If you answer yes, then pay close attention.
Filing for a personal bankruptcy may be the last option for you.
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Selecting A Credit Counselor; Asking The Right Questions.
When you turn your financial life over to a credit counseling service remember, it is still your money. You want to choose the right one. Here are some questions to ask.
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Stop Debt Collectors
Can you stop debt collectors ? . . .You better know you can You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a pers...
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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.
Never forget that bankruptcy is your right as an American citizen, and it may be something worth pursuing.
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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.
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The "Credit Card Debt Termination" Scam
Discusses the "debt termination" or "debt elimination" scam, where promoters claim that debt can be "erased" using obscure legal documentation. Explains the bogus theory behind a scam that has bilked millions from vulnerable consumers.
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The Road to Debt Relief
Everyday people get into debt, but everyday people are looking for ways to debt relief, whether it is through self-help, credit counseling, dept management programs, or other resources. If you are struggling with debt you no longer have to feel ashamed or embarrassed because there are resources that will steer you in the right direction towards eliminating your debt. There are a variety of options one can choose from so you have the option of choosing what debt relief option is right for you.
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The Simple $10 Debt Elimination Solution
Ask a friend what resolutions they made for 2004 and your bound to hear them reply Pay off my credit cards. Ask them how they planned on reaching that goal and many of them will not have a clear c...
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Two Ways To Debt Relief
Learn about the two ways to debt relief. Get rid of you credit card or student loan debt. Let a quality debt counselor like KimberlyCredit, GoDebtFree or Lexington Law handle it.
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UK Debt When Moving Abroad
The number of people in the UK who move abroad to escape debt problems are increasing. Can they really escape? or are creditors getting smart?
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What Does A Bankruptcy Trustee Do?
Once you file bankruptcy, a court appointed bankruptcy trustee will oversee your case. The new law also requires that the bankruptcy petitioner to take a debtor education course and receive credit counseling from a U.S. Trustee approved non profit credit counseling agency.
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What the Mail on Sunday Said
An article published in the Mail on Sunday may have bought concern to people who are thinking about petitioning for Bankruptcy, but how much of what was written actually warrents concern of the reality of Bankruptcy as is today?
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