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Information
Are The Little Debts Drowning You?
At first glance it would have been hard to imagine that amidst its impervious metal frame and intimidating size that a tiny by comparison iceberg would eventually be the demise of the unsinkable “Titanic”, was the iceberg fully to blame?, upon closer inspection it was a variety of factors that lead to its undoing:1. The speed the ship traveled left it unable to alter its course quickly2. A fire burning for days in the hull weakened the integrity of the steel3.Read more…Are You In Debt Denial
In more recent times I’ve developed a keen fascination towards the word “denial”. I've noticed its increasing prevalence throughout the mid 1990’s when psychological phrases previously reserved only for use by professionals became commonplace in the home, and one of the words that was at the forefront of this explosion was the word, you guessed it, “denial”.Nowadays the word is liberally tossed around and has such broad application being used from anything ranging to a middle aged guy carrying a little extra weight around his middle thinking he looks great in a Baywatch cherry red speedo (I shudder upon writing this) all the way to the other side of the spectrum of a bad tempered woman refusing to admit she has anger issues.Read more…Debt Interest - Like Rust It Never Sleeps
It grows when you’re happy, when you’re sad, while you’re snuggled up in your favorite chair watching 24. It grows regardless of age, sex, race, creed, it has no bias, it doesn’t care if you’re sick, penniless or in the midst of a major life crises. It never pities, shows neither compassion nor remorse and doesn’t spare a thought for the bad day you just had.Read more…5 Tips for a Debt Free You
Never in the entire history of mankind has there ever been a time with such great technological development as there has been in the past 150 years, the light bulb, the telephone, motorized transportation, television, computers, cell phones, satellite, internet, CD, DVD, wireless technology, in fact if the earths entire existence were represented as a 24 hour day, the amount of technological growth in the past 150 years would only represent a brief three thousandth of a second in comparison.Something else that’s increased as equally as rapid as developing technology and has seen as many incarnations itself is the face of debt. Over the past 150 years debt has evolved into something to satisfy the instant gratification needs we’ve adopted in recent times.Read more…IVA Debts, Secured or Unsecured? That is the Question
IVAs are designed to help people who are struggling with overwhelming personal debts.However, personal debts fall into two categories: 'Secured' debts. 'Unsecured' debts.Read more…What Can I Do To Defend Myself From Debt Collectors?
Debt collectors may start with their harassing calls but the law protects you in several ways. Knowing your rights will let you defend yourself. Though a debt collector is entitled to pursue different collection methods, certain intimidation tactics are illegal and you can always take legal action against them whenever they break the law.Read more…Your Home Buying Plan - Part 2
The government, after being in the people business for decades, has taken a realistic attitude towards average people with credit issues. You are not the only one to have lost a job, gone through a divorce or had medical trauma in your life. When these things happen something has to give.Read more…IVA Companies: What You Need To Know
IVAs are administered by Insolvency Practitioners (I.P.s), and there are many based all over the U.Read more…Alternative Methods For Debt Relief!
Stop Borrowing First of all, you should stop borrowing any more money to get out of bad credit. This will only lead you to a deeper financial problem. Borrowing money, unless you use that money wisely, will only accumulate interests.Read more…Reduce your Debt with Balance Transfer Credit Cards
Watch the APR If you don’t plan to pay the whole balance of the credit card, which is most likely, you will want to get the best deal possible on the APR. Search thoroughly, there are thousands of alternatives on the market, there are even cards offering a 0% introductory rate which you can benefit from.But be especially careful as this kind of cards can sometimes increase significantly the interest rate charged after the introductory period has expired.Read more…Budget, The Answer To Debt
Debt levels in Australia have sky scraped. Nowadays, people are almost completely dependent on credit to live their lives. One of the most commonly used means of currency is credit cards.Read more…Christian Debt Counseling - Principles
If you were to truly follow the principles of christian debt counseling your first commandment would be to not get into debt in the first place. You would be advised to throw the money userers and lenders right out of your personal temple.Of course in today's credit obsessed day and age this is not a good idea.Read more…Finding A Consumer Counseling Debt Service Solution
When it comes to finding a consumer counseling debt service solution you really only have three options - pay off the debt, go to credit counseling or declare bankruptcy. Although none of these choices are particularly appealing they are realities that must be faced or you will never improve your situation.With the first option you might be asked to pay off your debts using a home equity loan or by taking out a debt consolidation.Read more…Negotiate Debts With No Money
This is understandably tough to do but it can be done. Why would someone agree to accept your terms when you have not paid him or her anything in the past? Remember the old saying "Half a loaf is better than nothing".Read more…Joint IVAs: How Do They Work?
Joint IVAs as they are referred to, allow two people to unite their resources and pool their debts, enabling them to qualify for an IVA when it might otherwise be beyond their reach.In reality the insolvency practitioner who acts as a nominee for the two people concerned, will actually propose two individual IVAs. However, once the IVAs are accepted by the creditors, the insolvency practitioner supervises the two cases as one, which in turn creates a substantial saving on fees charged to the creditors.Read more…IVA - What About My Equity
In some cases, equity issues that surround an IVA can have a serious impact on the decision as to whether or not an IVA remains the most suitable debt solution available. As a debt adviser that specialises in IVAs, I know how essential it is for clients to understand what the requirements of their creditors will be, and in turn, how those requirements will be applied to their IVA case.Many people do not know what an IVA is, so here is a very brief overview of the IVA concept:An IVA, or Individual Voluntary Arrangement, allows a person in financial difficulty to reach a new formal agreement with their creditors.Read more…Consumers Credit Counseling To Help You Change Your Future
Tips to help you use consumers credit counseling to control your finances and build a better life.Consumers credit counseling is offered by many institutions and foundations. If youre having trouble paying your bill on time consumers credit counseling may be what you need.Read more…Debt Collection or “Is that #$&* Debt Collector Playing Fair?”
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector" or bill collector as they are most often called.The only job that is worse then being a Bill collector on the Scumbag Scale is the Repo Man.Read more…IVAs: How Much Is The Monthly Repayment Going To Be?
An IVA, (Individual Voluntary Arrangement) is a formal agreement that allows a person in financial difficulties avoid petitioning for bankruptcy. New monthly repayments are arranged, based on affordability to the debtor, and these repayments are paid for an agreed period, normally 5 years. When the repayments have been completed, any outstanding debt is written off, and the debtor is debt free.Read more…Can Debt Negotiation Work For You?
If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be achieved via debt negotiation.Read more…
Most Recent Articles in Debt Relief category
- Why You Should Pay Off Your Debts With Your Savings - By: Andy Jones
You can be far better off by paying off your debts with your savings. By not doing this you are lining the banks pockets and simply throwing money away. - Top Ten Ways To Get Out Of Debt - By: Andy Jones
If you don't deal with your debt problems, they will soon grow quickly out of control so you must face facts and address your debt issues now. By failing to take action now, you may be risking financial ruin. Follow these top tips to get out of debt so you can live a happier, debt free life. - How To Avoid Debt While Using Credit Cards - By: Andy Jones
Although credit cards are so useful and convenient, so many people get into financial difficulties when using them. But it is possible to avoid debt while using your credit cards. - Debts are harsh, do away with them - By: Jason Holmes
Debts can impact your financial status miserably. But you can take control of your finances before they get out of hand. Opting for debt consolidation can be the first step to a debt free life. - Debt Relief Program - By: Shane Peeler
Debt relief can be any consolidation program that provides freedom from debt or help in the process of elimination. There are many alternative solutions to debt problems that are more or less efficient according to an individual's situation and debts involved. - Debt Elimination May Be Your Best Debt Cure - By: Jim Vrana
Too much credit card debt is a financial disease that needs to be cured. Selecting the best debt cure can be a confusing and stressful experience. It is a personal decision on how a person can relieve their debt burden. - What should you do if you have credit card debt? - By: Simon Duffy
Yesterday I read some worrying news that credit card spending is still increasing dispite the past 12 months warning we've had in the form of the credit crunch... - Debt Management Services Uk: A Sensible Step Towards Financially Free Life - By: Ashton Gabriel
Taking up debt management services in UK is an effective way to settle all due debts. - How To Get Rid Of Credit Card Debt - By: Michiel Van Kets
Who doesn't have a credit card these days? Or perhaps a more appropriate question is 'Who doesn't have credit card debt these days'? Think back to when you filled out the first application for a credit card. - Debt Settlement - Avoiding financial fiasco - By: Jason Holmes
Debt settlement allows a debtor to pay much less than he actually owes to a creditor. The process is sometimes referred to as debt forgiveness. A good debt settlement firm can reduce 40% to 60% of the total unpaid amount.