When debt settlement makes sense The dropout rate for credit counseling is high. There is a host of possible reasons for it, but the number one reason may as well be, affordability. The program runs for three to five years - on the creditor's terms, and one missed payment could very well mean the end of the program for the consumer. So sometimes they voluntarily drop out and sometimes they get kicked out of the program and - end up worse...more
Eight Changes to the Revolving Debt Industry In the spring of 2009, the administration of President Barack Obama set in motion a number of distinct and far reaching alterations to the business practices of the consumer debt industry which have only recently begun to take effect. Through this article we will take a look at some of the more substantial changes and how they could affect the average consumer. 1.) The so called double...more
The Debt Reduction Diet Copyright (c) 2010 Scott F ParadisTwo thirds of American adults are overweight, nearly one third can be categorized as obese. Obesity among children and adolescents is reaching epidemic proportions. Arguably the only affliction growing faster than our girths is our accumulation of debt. The total debt (government, business and personal) per U.S. citizen is fast approaching $180,000.00. Under existing policies the future liability per current taxpayer is over $1,000,000.00 (yes that is one million dollars). While we suffer the effects of our excess now, in declining mortality, skyrocketing medical costs, debt service, lost productivity and diminished quality of life, the situation is far more grave for our future. It is time we as a nation take a look in the mirror, accept responsibility for the shape we are in, and set a new course. It is time to initiate a debt reduction diet.The known contributors to obesity vary: genetic susceptibility, emotional stress (caused by economic or relationship challenges, social isolation, environmental factors), poor nutrition (ranging from empty calories to just pure gluttonous excess), medical conditions (hormonal...more
It is real fun and a pride to own a Golf Cart. Some see it as a symbol of status and a fashion statement. Modifying the Cart even raises the fashion quotient. Here are some tips which would be helpful to you while purchasing Golf Cart accessories.Golf Carts can be modified to a great extent depending on the likes of the owner. A wide range of...more
Here are 6 ways to save money on your Scentsy purchase Scentsy began with a simply idea...a safe, wickless alternative to traditional candles and grew into one of the most successful direct selling companies in the industry.The Scentsy warmers are beautiful but the Scentsy success is in the scent. Here are 6 ways to save money on your...more
Here's a simple way to stop a collection agency in their tracks. This technique is called debt validation, and its a powerful strategy to use against a collection agency. It's so powerful that if you apply techniques right, you will stop the collector from calling forever.Debt validation secretsFirst, you want the collection agency to prove that its your debt. Send them a debt validation letter right away via certified mail and with a return receipt. Dont wait, because you may miss the 30-day deadline, which gives the collector the right to report this debt to the credit bureau if you do not dispute it. In your debt validation letter, let them know not to send you a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the FTC. Instead, ask the collector to provide you with a copy of the following:Their bond and license to collect in your stateA copy of the agreement authorizing them to collect debt on behalf of the creditorAn accounting statement on how they reached the amount you supposedly oweA copy of the contract you signed with the creditor bearing your signatureThe name and address of the creditorIf within 30 days, the collection...more
By the time you finish reading this article, you will have a better understanding on how to settle a debt. When entering the settlement game, there are techniques that you should not use when you first start negotiations. For starters, don't appear...more
Mission Debt Settlement: Some Common Queries Related To Debt Settlement People, in general are doubtful about the authenticity of debt settlement procedures as there is a wide spread ignorance about the same. That is the reason why the task of...more
Managing your Personal Finance can be very simple Easy ways of Managing your Personal Finance. First, you need to separate your income from your expenditure. Income would include salary and any regular inflows from investments while...more
Among many of the clothing, football jerseys will be the most important pieces. To get a football team, it is impossible to look out for football fits in any old getup. These football jerseys are symbols on the team to display it have the spiritual...more
Debt Settlement With American Express (AmEx) How is debt settlement with AmEx?Legitimate financial or debt consultants would almost always answer this question with another question first: What is your financial situation? Meaning, is your...more
I'm in debt and have lost my job, what to do? (part 2) Consumers that have unsecured debt $10,000 and above can turn to debt settlement for debt relief in less than three years.How much does it cost?Debt settlement or credit card debt...more