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Found articles: 16

  • Sometimes Filing for Bankruptcy Just Makes Sense
    As part of my job, I come across many different debt settlement and credit counseling companies advertising creative. A current trend that I have seen is the touting of the new bankruptcy law. The creative informs the consumer that filing for bankruptcy is nearly impossible or isn’t allowed anymore.More

  • How to Choose a Debt Settlement Company
    The only one that is going to get you out of debt is you. That doesn’t mean that you have to do it alone. There are many programs available that can assist you in becoming debt free.More

  • Financial Trouble Ahead?
    There are many telltale signs that will indicate you may be headed for debt trouble. I have gathered about a dozen areas for you to look at. If you answer yes to a couple of them, be warned.More

  • America's Perfect Financial Storm
    It’s been reported that outstanding credit card debt is standing at about $696 billion dollars. Thanks largely to industry lenders that have extended their numerous offers to people with less than perfect credit or with questionable abilities to repay the charges.Many credit cards are coming with penalty rates above 30%, even if the individual is late on just one credit card payment.More

  • Is There No Limit To The Interest Rates A Credit Card Company Can Charge?
    Once upon a time, the Federal Government had a national cap on the amount of interest that could be charged on a loan. But after the Great Depression, it was repealed and it was left up to the individual States to place or implement "usury laws". As you can see by your current interest and default rates, credit card companies found safe havens in certain states that either past laxed or no usury laws.More

  • Negotiating Tips when dealing with Credit Card Collections
    If you have fallen behind on your credit card payments, you can expect a phone call. OK, you can expect a lot of phone calls. If you are going to attempt to deal with the debt collector on your own, remember that you are going head-to-head with a tough professional that does this everyday for a living.More

  • Some Credit Card Trends That Can Cost You
    Between February 2005 and January 2006, the Fed raised short-term rates by 2 percentage points. During that same timeframe, the average credit card interest rate went from 12.84% to 15.More

  • If You Find That You Are In Financial Trouble, Look At Debt Settlement As Your First Option
    Read the entire article to understand why.For over 8 years, congressional backers, banks and credit card companies pushed to get bankruptcy reform on the books. Who has this really helped?More

  • Get Debt Under Control By Setting Up A Budget First
    A debt elimination plan starts with an understanding of where your money is going. If you are ever going to become debt free or get ahead financially, you have to start with setting up a budget. I’m not talking about keeping a running tab in your head or doing your best “guesstimate”, we’ve all done that.More

  • Two Of The Biggest Mistakes You Can Make When Paying Off Credit Card Debt
    Home Equity Loans to pay off credit card and other unsecured debt –Sure, it’s advertised that using a home equity loan or line of credit is an easy way to get out of those “high interest rate” credit card debts. The logic is that the home equity line of credit or refinance loan (debt consolidation loan) interest rate is lower than the interest rates you would be currently paying on your credit cards. You save money.More