 Category :: Debt Relief Articles |
Author :: James H. Dimmitt  |
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| Article Title :: Bankruptcy Basics |
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| According to the American Bankruptcy Institute “household debt is at a record high relative to disposable income.” The Administrative Office of the U.S. Courts reported that the number of filings for the year ended March 31, 2003 “exceeded 1.6 million for the first time in any 12 month period,” a 15.1 percent increase from the previous year.There are two basic types of personal bankruptcy: Chapter 7 and Chapter 13. Chapter 7 Bankruptcy and Chapter 13 are legal proceedings that are available to a person to cope with a financial crisis. Personal bankruptcy must be filed in a federal bankruptcy court. You will have to pay about $160.00 in court fees. Attorney fees are ad (read full article) |
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| Category :: Debt Relief Articles |
Author :: David Wilding |
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| Article Title :: Stupid Ideas Can Ruin Your Financial Life |
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| Stupid ideas come in all sorts of packages. Bad debt, various loans, purchase decisions, and delayed savings. Most people reach the age of 65 with little or no savings. They live off social security and what little else they have. Is it any wonder the golden arches are filled with workers in their golden years?
Anything that wastes your money or prevents you from becoming debt free can be a stupid idea. The best way to save and invest money does not include sending it to creditors each month. Only when it’s yours to keep can you put it aside to work for you as hard as you worked for it.
It is not your job in life to make your creditors rich. The goal is to make you ric (read full article) |
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| Category :: Debt Relief Articles |
Author :: DeAnna Spencer |
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| Article Title :: How to Get Money When You Are Broke |
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| (Money You Don't Have to Pay Back)
1. One way to get money is to have a yard sale and sell itemsthat you are getting ready to toss away because you don't wantthem any longer.
2. You can always gather shells at the beach and polish and turninto jewelry.
3. Get cash surrender from life insurance policy.
4. Paint faces on rocks and sell as paper weights.
5. Go to a pawn shop and pawn some jewelry.
6. Borrow from a relative.
7. Go get welfare pay or food stamps.
8. Dig small trees from woods and sell to homeowners.
9. Learn names of wild plants and plant in pots for sale.
10. Roll newspapers up in (read full article) |
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| Category :: Debt Relief Articles |
Author :: Nicola Bullimore |
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| Article Title :: The Effects of Consumer Debt |
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| Consumer Borrowing
Consumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today?The National Consumer Council reports that 6 million families in the UK are already struggling to make repayments towards their debt, and Citizens Advice reports that over the last 6 years, they have seen a 44% increase in the number of people seeking debt advice. This may be just the tip of the iceberg. There must be many families in the UK who have debt problems, but are not aware of the free help and advice av (read full article) |
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| Category :: Debt Relief Articles |
Author :: Leonard Hopkins |
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| Article Title :: Debt and Your Dreams |
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| You may not realize what that credit card bill is doing to you…Bob is a 27 year old truck driver. He dropped out of college after one year and got a job. With hard work and good luck, he is making about $35,000 a year. Bob is passionate about remaining debt free. He drove his old car from high school until he could afford to pay cash for a newer one. He rented a cheap apartment until he saved a solid down payment on his house. Even during the lean months, he steadfastly refused to build up a credit card balance he couldn’t pay off at the end of the month.At 27, he’s decided he’s tired of his job and would like to change directions. By living within his means a (read full article) |
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| Category :: Debt Relief Articles |
Author :: Annette Leahy |
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| Article Title :: Eight Ways to Consolidate Debt |
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| Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments.In reality, consolidating bills isn’t always easy. If you have a lot of debt, it can be hard to find a consolidation loan at a lower interest rate. And if you’re not careful, you can end up deeper in debt than when you started.Your goal in consolidating your debt should be to lower your overall costs. To accomplish this there are two things to keep in mind:1. Get the lowest interest rate possible2. Have a plan to pay off your debts in 3 – 5 years.Here are s (read full article) |
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| Category :: Debt Relief Articles |
Author :: Mario Castagno |
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| Article Title :: Are You Beating Up On Yourself About Debt? |
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| When you hear the word "debt", whats the first thought or
feeling that comes to you? For most people debt is "bad" or
it becomes the "enemy" and is something that should be
avoided like the plague.Having debt does not make you a bad person. The more a
situation is judged as being bad, the worse it gets. It's
the judgement that you have around debt, that will keep you
feeling "stuck". It's the judgement that brings out the
anxiety, the fear, the stress, the knot in the stomach.It's the old success principle: what you focus on expands.
So what are you focusing on? Getting out of debt is an
inside job first! What that means is taking 100%
responsibility for your debts (read full article) |
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| Category :: Debt Relief Articles |
Author :: John Mussi |
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| Article Title :: Worried About Debts? |
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| 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 can seem overwhelming. But often, it can be overcome. Your financial situation doesn't have to go from bad to worse.
If you or someone you know is in financial hot water consider the options below. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for th (read full article) |
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| Category :: Debt Relief Articles |
Author :: David Wilding |
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| Article Title :: Don't Let The Good Times Bury You |
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| It is vital to get rid of debt while things are
going well. Yet the opposite is usually the
case. Human nature is such that when we
find ourselves living in good times, we let
down our defenses. With our lives going
great we seem to make the worst
decisions. It’s not hard to understand why
this happens. We believe things will always
be better in the future, “When I’m done
with school, When I get a better paying
job, I’m sure I will get that promotion.”With this attitude, that extra lump
sum of money, or the raise at work, is
used as a springboard to increase your
personal debt. After all you can now afford
better this, bigger that. You assume in
your linear view (read full article) |
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| Category :: Debt Relief Articles |
Author :: David Wilding |
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| Article Title :: Selecting A Credit Counselor; Asking The Right Questions. |
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| When you find yourself thinking about using a credit counseling service, you need to be very
careful. You need someone who will help you, not just some pushy sales associate who wants
only to sign you up for their service.You are about to place your financial life in someone else’s hands. Make sure you have the
answers to some questions before you do. Then make sure you like the answers to your questions.
Here are some for starters:Which of my creditors have you worked with in the past?You have a list of your creditors. You want to compare it to the creditors they have workedwith in the past. Have they been successful working with your creditors in re (read full article) |
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