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3 Dangerous FDCPA (Fair Debt Collection Practices Act) Myths
Think you�ve got the FDCPA (Fair Debt Collection Practices Act) figured out? Don�t be so sure. While nothing can take the place of a lawyer�s advice, if you�ve at least overcome these three dangerous myths about the law, you may save yourself a lot...
Credit Card Debt Management
Credit cards that are used in moderation could be helpful in
managing your finances. This means that splurging through the
use of credit cards is almost financial suicide.
Here are few tips to manage the way you use your credit card...
Debt consolidation mortgage - decode its apparent complexity
Someone great once said that �if it isn�t the sheriff, it is the finance company�. Do you feel the same? Has the piling up of bills forced you to take several loans? Do you live in constant dread that someone would soon come to claim his money. The...
Debt Management Plan - Know What Plan Works Best For You
Debt management plans (DMP) work to reduce your unsecured debt. They can also reduce your interest rates with most types of unsecured loans. To know what plan will work best for you, identify your own needs first. Then look for a company that has...
The First Step to Becoming Debt Free
So, you want to be debt free do ya?
Well of course you do!
So what's the simplest, biggest positive impact "tip" you can take?
Easy: Stop overspending.
I know, I know... society, our "get it now, pay later" culture, advertisers...
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Debt Consolidation: Help Or Danger?
If you�re still in high school, as rich as Croesus or a favorite of Lady Luck, perhaps the term debt consolidation wouldn�t even ring a tiny bell to your ears. But if you�re like the rest of us, with a huge number of bills to pay month after month, creditors to alternately hide from and beg, then I�m sure you know what debt consolidation is all about.
But just for the heck of it, let�s assume that one of this article�s readers has been sleeping under a rock and has no idea what we�re talking about. But the fact remains that he does need a little help financially. Well, debt consolidation is the process of accumulating your bills for one month, adding them up and giving them over to the kind debt consolidation specialist who�s willing to help you for a teensy weensy price. Instead of paying off some, disregarding the others, you get to pay just one flat rate every month and that�s it. Finish. Sounds wonderful right?
And because I�m a good person, I�ll discuss the merits of debt consolidation and the numerous ways it can help you.
The first important thing that debt consolidation can help you with is getting your creditors, bless their nagging souls, off your already aching, heavily burdened back. We all know how these creditors can be nasty at times. They�re good at semantics and etiquette, I�ll give you that, but a threat is still a threat, albeit nicely worded. The phrase �to avoid taking legal actions� never cease to make us shudder, doesn�t it? But that�s when debt consolidation come in to help you. With your permission, they take charge of your creditors. You need not see them again anymore. Big help right? Big, big help!
Now, the next form of help that debt consolidation companies provide you with is part of the program you�ll be working on with whoever your
debt consolidation specialist is. One of the questions they�ll ask you is just what kind of help do you need. Do you want your monthly payments to be significantly lowered? Do you need help to keep your interest rates low? Do you require help in talking your bank manager into giving you an extension on the deadline of a loan you�ve taken? The help you�ll get from debt consolidation depends on the program you�re going to take but rest assured that what you want, you will get.
It�s not however a bed of roses with all debt consolidation companies. Sometimes, they help you the other way around. If you had the misfortune to make business with an unscrupulous debt consolidation firm, then that firm may just help push you into further bankruptcy. One way to avoid this is not choosing online debt consolidation companies and not releasing classified information about yourself unless needed.
I�ve said this before but I�ve said this again. In the end, it�s what you want that matters. Those outstanding bills do not signify the end of the world for you. Where there�s a will, there�s always a way, albeit sometimes rocky. You alone can help yourself and if you think debt consolidation is the way to do it, then so be it. But if you�re hesitating a bit and you think that you�re better off without external help and relying on yourself, then that�s a good thing too.
About the Author: Diego HR. is the owner of My Debt Consolidation Advisor http://www.mydebt-consolidation.biz/ and invites you to take a download free helpful information, articles, and more.
Source: www.isnare.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. |
| www.debtanalyzer.com |
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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 ... |
| www.superiordebtrelief.com |
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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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