|
|
|
Change Jars: Your Ticket to Getting Rid of Your Debt
Many people have trouble budgeting - they get into debt, and they just can't find a place that they can cut out the spending. If you're having trouble doing this yourself, consider a "change jar." Get a jar or container of some kind and stick it on...
Christmas Cheer and a Debt Hangover.
Christmas is a time for celebration. A time to spend with family, friends and loved ones. This is a time to savour all that is good in life, to rest, relax and recuperate ready for a new year. Unfortunately Christmas is also a time when people...
Free Credit Cards and Balance Transfers Allow You to Manage Your Debt Wisely
If you're being squeezed by the high interest rates and fees
charged by your credit companies, it might be time to rethink
your financial strategy. In today's marketplace, credit card
companies compete for your business. You can take advantage...
Pay off debt now: 5 steps to getting your finances in order
In our world of dizzying change, nothing is more true than the time honored statement that circumstances always change. No where is this more true than with financial issues. Have you ever borrowed money, or charged up the VISA card at Christmas,...
Unemployed Student debt consolidation converting wasteland of unemployment and debt
Oh okay! So you are the one who did not get pay back the loans.
And you are the one who is unemployed...Let me get this straight
you are an unemployed student with unpaid debts? You are
searching for loans? The idea of new loan does not seem such...
|
|
| |
|
|
|
|
|
|
Debt Counseling Solutions for Credit Repair
Is debt counseling a solution for credit repair? Debt Counseling
Services and Credit Services are Organizations that are
sponsored by most of the creditors. Most Debt Counseling
services are nonprofit organizations; however there is few that
are on their own. Before you can contact a Debt Counselor you
must have some source of income.
The counselor provided you will often contact your creditors and
alert them that you are making the effort to repay your debts.
Once the creditors have been contacted, the organization will
next work out an agreement that works with your current budget.
After a decision has been reached you are expected each month to
make a payment toward paying off your creditors. Your money goes
first the organization where you have asked for help, and then
is forwarded to your creditors. Once the creditors receive your
money, the Counselors ask the creditors to deduct a small amount
of funds to pay for their services.
There are some debt counselors that will waive interest on your
balance, however, most counselors will not. If you are unable to
meet your payments each month you might be required to pay late
fees. The only real advantage you have by using a Debt
Counseling Agency is that you won't see bankruptcy on your
credit report although the two are similar. The best solution
then for repairing your credit is taking the ball in your own
hands. If you take back the control that was robbed of you, you
have the advantage of getting out of debt without further
complicating your situation.
One way of taking back your control is to set up a monthly
budget plan that works to payoff your debts and leave you enough
funds to survive. Survival takes less than most people believe
in the sense we often purchase items we don't really need. If we
purchase minimal grocery necessities and other necessities we
will find more funds available. There are several solutions for
cutting back on house items for cleaning. Generally, soap and
water is sufficient for cleaning your home.
Better yet, if you have laundry detergent you can clean
carpets,
wash windows, clothes and so on. One solution is possible to
handle multiple tasks; therefore buying multiple products for
house cleaning is often a waste of money. The advertisements
that tell you this product works better than the other is often
a gimmick to lower you into a debt. Another idea is it is
possible to cook dinners that last for more than one day.
Also, you could pack a lunch instead of buying out when you are
at work or on a trip. If you are taking trips regularly and it
isn't for business purposes, you might ask yourself how you can
cut back. When you cut back on trips you are cutting back on gas
mileage, meals, and hotels and so on.
Anytime you can find a solution to cut back you is making effort
to repair your credit as long as you are spending the savings on
your bills. If you are trying to save money for trips or items
for your home, you might want to put this off until you get your
bills paid. Remember when you pay off your bills first, money
will flow more freely for other desires in life. If you are
having difficulties meeting monthly obligations contact your
creditors and explain your situation. Many creditors will work
to find a solution rather than taking a complete loss. Be ware
that some creditors are greedy and don't really care how hard
times are for you.
These types of creditors want money and they want it now! The
best solution then for dealing with creditors is to payoff the
most imperative bill first and work your way through each bill.
If you have bills that are not necessary terminate them for a
short-time until your credit is repaired. Bills such as cable or
satellite, Internet if not used for work and other
entertainments can wait. Bills are a part of our daily lives and
avoiding bills is not a solution for repairing credit.
Therefore, Debt Counseling is not the best solution for
eliminating debt.
About the author:
Tony Robinson is a business owner with vast experience in all
facets of Credit and Credit Repair - for further tips and
techniques visit http://www.officialdebtfree.com
|
|
|
|
|
| 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 |
|
| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
|
| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 ... |
| www.debtrelief.com |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
|