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Debt relief 101: Understanding your options and avoiding the scams
The total consumer debt in the United States has ballooned to over two trillion dollars a full 100% greater than it was just a decade ago. As a result more people than are in need of debt relief services. But like with all burgeoning industries,...
Handling Debt in 2005
Debt is a problem that is ever increasing in our society today. Offers for credit cards coming in the mail is happening more and more often, interest rates are appearing low, and borrowing money seems like the “smart” thing to do at times....
How Following These 8 Steps Can Make You Debt Free
Getting into Debt is easy.
When you leave school, you can start building a credit record
for yourself. The only way to do this is to go into Debt .
You think you can handle it: paying off your credit cards every
month, staying up to date...
How to Cut Credit Card Debt
Most Americans have too much credit card debt. Duh, we've all heard that
before, right? Only now its gotten a bit personal... right again? You
personally have too much credit card debt and its about to drive you crazy.
Well there IS...
Simple Steps for Getting Out of Credit Card Debt
How to Get Out of Credit Card Debt
With the number of credit card offers that the average American
home receives every year, and the fact that the average American
is about $8000 in credit card debt, it is not difficult to see
how quickly...
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Credit Card Debt
If you can't sleep at night because of credit card debt worries,
you're not alone. Many people get in over their heads charging
things they think they can't live without.
You don't need to cut up all of your credit cards. Save your
major bank cards, but stop charging needless temptations on
them. You need a couple of major bank credit cards to maintain
or build strong credit scores.
The credit cards you should cut up, department store credit
cards, cost you too much in interest. Plus, these types of
credit cards lower your credit scores. When mortgage lenders
compute your credit worthiness for real estate financing, they
deduct points for unfavorable department store credit lines.
Here are a few things you shouldn't charge on your credit cards:
1. Gasoline. Why charge something that gets burned up before you
pay for it? Think about how much per gallon you pay when you pay
interest.
2. Food. Many people use their credit cards to purchase
groceries that they pay for over the next year or longer. Also,
because it's so easy to pay with plastic, they buy extravagant
and unneeded items. What's more important--junk food or a good
night's sleep?
3.
Clothes. Think before you buy clothes on credit. Don't charge
clothes on your credit cards unless you can pay them off right
away. Children's clothes wear out or they outgrow them before
you've paid off the credit card debt.
4. Utilities. Because it's so easy to pay utilities with an
automatic credit card charge, many people end up paying for
their air conditioning when they're heating their homes. Put
your automatic utility payments on your debit card instead.
5. Automatic services. Examine your next credit card statement.
Total up items like cable or satellite TV, Internet services, an
other automatic monthly charges. Can you pay these charges off
each month or are you getting behind?
Make your life easier. Stop charging consumables and monitor
your credit card debt. You'll improve your credit scores and
sleep well.
Copyright © Jeanette J. Fisher
About the author:
Jeanette Fisher teaches how to get out from under credit card
debt, how to use credit to make money, and six ways to build
strong credit to finance your first home and multiple investment
properties. For a free ebook "Credit Tips for Mortgage
Financing," see http://worryfreecredit.com/
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| Advertisements Promising Debt Relief May Be Offering Bankruptcy |
| Cautions consumers about ads in newspaper, magazine and telephone directories that offer quick fixes for debt problems. |
| www.ftc.gov |
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| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
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| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
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| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
| The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and ... |
| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
| February 6: A year ago the Guardian set out to track the west's promises of action for Africa on aid, trade, health and debt relief. As G8 finance ministers ... |
| www.guardian.co.uk |
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| Debt Relief Options - Findlaw for the Public - |
| Welcome to Debt Relief Options. This section contains information about the ... To begin, select one of the Debt Relief Options topics from the list below ... |
| bankruptcy.findlaw.com |
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| William Brewer |
| The Brewer Law Firm. William E. Brewer, Jr., Attorney at Law Board Certified Consumer Bankruptcy Specialist. 619 N. Person Street Raleigh, NC 27604 ... |
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| Debt Relief - InCharge Debt Solutions |
| There are many ways to get out of debt, for good, and it may be easier than you think. The first step is knowing your options, the second step is taking ... |
| www.incharge.org |
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| Economic Policy and Debt |
| May 2006, IMF And World Bank Support Cameroon’s Completion Point Under The Enhanced HIPC Initiative And The IMF Immediately Grants 100 Percent Debt Relief ... |
| www.worldbank.org |
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| Economic Policy and Debt - The Enhanced HIPC Initiative |
| The Initiative’s debt-burden thresholds were adjusted downward, which enabled a broader group of countries to qualify for larger volumes of debt relief. ... |
| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
| Debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. ... |
| en.wikipedia.org |
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| Debt Analyzer, Debt Reduction Software, Home Page |
| Debt Elimination at its best! Potential savings of hundreds or thousands of dollars! Build debt reduction, timed elimination or consolidation schedules. |
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| Superior Debt Relief |
| We help you get rid of credit card debt much faster than you may believe possible with credit card debt settlement and negotiation tactics, providing debt ... |
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| Debt Relief - Social and Economic Policy - Global Policy Forum |
| Aid Inflows, Debt Relief Yet to Translate into Reduced Poverty (March 20, 2006) ... Fearing that the IMF could tie debt relief to economic benchmarks, ... |
| www.globalpolicy.org |
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| Debt Relief - Global Policy Forum - Social and Economic Policy |
| Debt Relief - Global Policy Forum - Social and Economic Policy. The Debt Relief Page Has Been Moved to: ... |
| www.globalpolicy.org |
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| BBC NEWS | Business | Q&A: African debt relief |
| BBC News looks at the progress of international debt reduction efforts, and the sticking points which continue to hamper the process. |
| news.bbc.co.uk |
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| Debt Relief Australia - Start Reducing Debt Today! |
| Debt Relief offers Australians in debt assistance with finding the most appropriate debt relief solution. |
| www.debtrelief.com.au |
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| Debt Consolidation Australia, Debt Relief & Bankruptcy Information |
| Specialising in debt agreements, mortgage refinancing and bankruptcy. Company profile, calculators, solutions, media releases, testimonials and existing ... |
| www.foxsymes.com.au |
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| Oxfam - Debt and Aid - Debt Relief for Nicaragua: breaking out of ... |
| Oxfam policy paper on relationship between international debt servicing and poverty. Linked to table of contents and also zipped for download. |
| www.oxfam.org.uk |
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| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
| www.csmonitor.com |
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