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
With £1.3 trillion pounds worth of debt in the UK, Scotland's Citizens Advice Bureau has welcomed a new Bill to regulate lenders and protect borrowers from creating un-repayable levels of personal debt.Chief executive Kaliani Lyle said: "For years, Citizens Advice Bureaux have been dealing with case after... Read More
If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate.The quickest way to take back control of your finances is to pay credit... Read More
These days, getting into debt is easy.Unfortunately, getting out of debt is not so simple for most people. But you can do, if you go about it the right way.The first - and by far the most important step ? to getting out of debt is to MAKE A COMMITMENT!Personally,... Read More
Outlined below are some of the benefits and drawbacks of bankruptcy. It should be noted that bankruptcy is not to be entered into without first having sought professional advice.There is more to bankruptcy than as a way of finally putting an end to harassing debt collectors and creditors. One big... 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
Last April, President Bush enthusiastically signed into law the oddly-named Bankruptcy Abuse and Consumer Protection Act. This bill, representing the biggest overhaul of bankruptcy law in twenty-five years, was written in order to discourage "bankruptcy of convenience." Proponents of the bill, which included the credit card industry, say that the... Read More
Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2, "On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A." The letter A stood for the word adulterer and represented one of the worst insults... Read More
Debt management (specifically unsecured) is the first step to taking control of your money! Add a household budgeting plan and you've got a powerful tool for money management.Together, budgeting and debt management build financial security and independence. Yes, you can reduce debt and save for your future financial security at... Read More
Living with debt is never a good idea if you want to make long-term financial plans. Every cent you use to service debt is money that could have been invested in your future. Investment is extremely important, and can lead to a more comfortable and secure retirement. Just as smart... Read More
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Debt Management plans offer credit counseling clients a different and... Read More
As a single mother, lets admit it, times get tough.... Read More
You may not realize what that credit card bill is... Read More
You go to the mail box and scan - a... Read More
So you feel like a hamster spinning your wheel? The... Read More
Who will benefit from the new bankruptcy reform laws? The... Read More
There are two main roads to improving your personal finances:... Read More
At some time or another during our lives most of... Read More
Do you have multiple debts? Do you have just one... Read More
After October 17, 2005, a lot of people are going... Read More
A headline for a retirement annuities flyer declares "Future Secured!"... Read More
Debt is not much fun and when faced with it,... Read More
Once you file bankruptcy a court appointed bankruptcy trustee will... Read More
If you are considering bankruptcy as a solution to your... Read More
Many times the subject of bankruptcy seems baffling in its... Read More
The first and maybe most important step in a debt... Read More
No, that's not a misprint. Even though falling interest rates... Read More
Bankruptcy is one of the most difficult things a person... Read More
Debt settlement involves negotiating with a creditor or creditors to... Read More
Debt consolidation, equity loans, credit counseling, debt management plans, even... Read More
Leaving school, getting a new job, or even a raise... Read More
Are you still clearing a mountain of debt amassed last... Read More
Outlined below are some of the benefits and drawbacks of... Read More
Happy Independence Day from The Money Motivator!If you don't celebrate... Read More
As consumer debt continues to spiral out of control, debt... Read More
If you have multiple debts, you may well be wishing... Read More
Of all the problems possible in a marriage, finances cause... Read More
Bankruptcy is a legal way to offer folks with high... Read More
Next to winning the lottery, a debt consolidation loan is... Read More
So you've screwed up. You're drowning in debt. Maybe the... Read More
Personal debt reduction practices, the steps people take to relieve... 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
If you are considering bankruptcy as a solution to your... Read More
When you find yourself thinking about using a credit counseling... Read More
Once you file bankruptcy a court appointed bankruptcy trustee will... Read More
Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy... Read More
With the high cost of gasoline and the amount of... Read More
No, that's not a misprint. Even though falling interest rates... Read More
Feeling stressed by the amount of debts you have? Three... Read More
Bankruptcy is in the news these days, as Congress has... Read More
After October 17, 2005, a lot of people are going... Read More
Do you, like millions of other Americans, feel like you're... Read More
I have faced this financial question 8 years ago and... Read More
Want to know if your attitude towards your finances is... Read More
Planning To Achieve Debt EliminationOnce you have started the process... Read More
Credit counseling is a viable option for those who are... Read More
The Bankruptcy Abuse and Consumer Protection Act, signed into law... Read More
Troubles with Global Economy; Do you see future problems with... Read More
For most Americans, credit card debt is a dangerous and... Read More
Knowing how to negotiate debt settlements is the key to... Read More
If you want financial freedom, the first thing that you... Read More
In today's consumer society it is all too easy to... Read More
Of all the problems possible in a marriage, finances cause... Read More
As vice president of the American Credit Foundation, a nonprofit... Read More
There are some new bankruptcy laws going into effect before... Read More
In April 2005, Congress made sweeping changes in U.S. bankruptcy... Read More
If you're thinking about an IVA, it is essential to... Read More
Can you stop debt collectors ? . . .You better... Read More
So you are getting collection calls? You're desk is full... Read More
It is possible for creditors and third-party collection agencies to... Read More
Debt consolidation versus debt negotiation are two options that are... Read More
Who will benefit from the new bankruptcy reform laws? The... Read More
While driving around your community, you may have seen signs... Read More
Congress recently passed the Bankruptcy Abuse Prevention and Consumer Protection... Read More
Let's look at a real world example: A woman purchased... Read More
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