Are you still clearing a mountain of debt amassed last Christmas or even during last year's summer holiday?For those of you who make financial plans, who budget and save, you can skip this article. For those who get a little carried away, who regularly spend more than they can afford,... Read More
As vice president of the American Credit Foundation, a nonprofit organization that helps individuals and families manage their debt, Mike Peterson knows firsthand how financial problems can wreak havoc in one's life. Each day, counselors at the Midvale, Utah-based foundation help desperate clients dig themselves out from under piles of... Read More
Today's consumers benefit drastically from the usefulness of credit. Credit cards are especially useful for large purchases, emergency situations, making reservations, identification, and protection from fraud. Unfortunately, millions of consumers abuse credit cards beyond their financial earnings. The use of credit results in costly interest payments and late fees, impulse... Read More
Good credit is everyone's dream. A wise use of credit can go a long way. It certainly makes certain goals in life (like acquiring business loan from bank) easily attainable.But the key question remains: "What does it take to achieve 'Triple A' credit?"First and foremost, it is important it is... Read More
There are some new bankruptcy laws going into effect before long and many think they are much needed. Of course, that depends on which side of the bankruptcy you are a part of. Creditors are going to be the ones to benefit from the new laws, but there may be... 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
Debt Management plans offer credit counseling clients a different and new approach to tackle their finances. Finding out if a debt management plan is right for you can take some time. However looking into the pros and cons now will help you know if entering into a debt management plan... Read More
Your FICO score or credit score as it's commonly called is a very important calculation that can control whether or not you are eligible to receive credit and if eligible the terms you can receive credit under. Failure to understand the impact this score can have on you future purchasing... 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
The first and maybe most important step in a debt elimination process, is to acknowledge there's a problem and realize that something has to be done with your situation. Some do it before it is too late, though an asthonishing number of people seem to act as if this is... Read More
![]() |
|
![]() |
|
![]() |
|
![]() |
|
|||||
|
|
|
The New Year often brings with it a desire to... Read More
These days, getting into debt is easy.Unfortunately, getting out of... Read More
The main reason for getting out of debt today, is... Read More
Getting Behind Getting behind on your debts owed can be... Read More
Bankruptcy has long been a big question mark in the... Read More
Debt consolidation versus debt negotiation are two options that are... Read More
Financing a college education is one of the more expensive... Read More
Debt management (specifically unsecured) is the first step to taking... Read More
In this era where we are bombarded daily with commercials... Read More
When you hear the word "debt", whats the first thought... Read More
Last April, President Bush enthusiastically signed into law the oddly-named... Read More
If you are in debt, well over your head in... Read More
Should you be unfortunate enough to face a CCJ ?... Read More
This method is simple, but requires some discipline.First, you have... Read More
Amy Wright, 34, was extatic when her realtor showed her... Read More
On April 20, 2005, President Bush signed into law the... Read More
Happy Independence Day from The Money Motivator!If you don't celebrate... Read More
Many consumers that are bogged down in debt frequently turn... Read More
If you want financial freedom, the first thing that you... Read More
Do you, like millions of other Americans, feel like you're... Read More
Bankruptcy is little more than a smack on the hand... Read More
Vehicle repossession may appear justified in circumstances where a person... Read More
It is possible for creditors and third-party collection agencies to... Read More
Consumer Borrowing Consumer borrowing in the UK has now crashed... Read More
A headline for a retirement annuities flyer declares "Future Secured!"... Read More
It's never pleasant to realize that you're in financial hot... Read More
Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy... Read More
Debt negotiation and settlement can give you a drastic reduction... Read More
Do you have multiple debts? Do you have just one... Read More
It's difficult not to be concerned when facing numbers like... Read More
Sometimes debt can seem overwhelming. In those instances, or even... Read More
1. Eliminate the legal obligation to pay many of your... Read More
Having trouble paying your bills? Getting dunning notices from creditors?... Read More
After October 17, 2005, a lot of people are going... Read More
We have all experienced getting so far in debt we... Read More
In all the technical discussion you hear about credit... Read More
There is current concern from the Bank of England that... Read More
Who are these people anyway? They viciously harass you and... Read More
Do you have stacks of unpaid bills?Are you in debt?Are... Read More
1. Eliminate the legal obligation to pay many of your... Read More
So you are getting collection calls? You're desk is full... Read More
Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2,... Read More
If you are in debt over your head and wondering... Read More
Filing bankruptcy is a common practice among the U.S. Over... Read More
Credit counseling is a viable option for those who are... Read More
Debt is quickly becoming an epidemic in America. However, through... Read More
Debt consolidation versus debt negotiation are two options that are... Read More
Yes, debt collection tips can help. You may think you... Read More
Have you ever felt trapped in a Rat Race and... Read More
It is possible for creditors and third-party collection agencies to... Read More
The overwhelming task of eliminating your debts can often seem... Read More
There is more than one kind of bankruptcy. You should... Read More
With the high cost of gasoline and the amount of... Read More
An IVA (individual voluntary arrangement) is an alternative to bankruptcy... Read More
The main reason for getting out of debt today, is... Read More
It all starts by defaulting on an obligation: Money owed... Read More
Planning To Achieve Debt EliminationOnce you have started the process... Read More
The Bankruptcy Abuse and Consumer Protection Act, signed into law... Read More
If you've ever earned enough money to put some aside,... Read More
If you have found yourself in a position where you... Read More
WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More
There are some new bankruptcy laws going into effect before... Read More
If you are considering bankruptcy as a solution to your... Read More
No, that's not a misprint. Even though falling interest rates... Read More
In today's consumer society it is all too easy to... Read More
Massive debt is something many Americans face. Debt reduction is... Read More
Debt Relief |