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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 Help: How to Become Credit Smart and Enjoy the American Dream
Being able to buy things on credit has allowed Americans to own
and enjoy things--often for years--without having to wait and
pay cash for them. In that way, the concept of credit has been a
boon to experiencing the American Dream. Unfortunately,...
Debt Consolidation – Ways to Save on High Gas Prices
Memorial Day has come and gone, and the great American travel season is here. During the summer, most Americans take at least one extended vacation, and four fifths take that trip by automobile. Unfortunately, this year, the price of gas is near...
Haunting Student Loan Debts
In today's ever changing economy, it's hard enough for the
average working individual to make ends meet, without a wage
garnishment, while supporting themselves or their families.
Sometimes living pay check to pay check with the regular...
Risks Associated with Secured Debt Consolidation
Consolidating many small debts into one large debt is well known
to be a good first step in getting out of debt, but that's not
to say that it comes without risk.
The main reason for this risk is that in order to secure a lower
interest rate...
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Debt Reduction Program And Slowing Your Spending
The best idea available to any individual or business for debt
reduction program is to slow your spending. There are two
important factors to be remembered for debt reduction and
slowing spending. First one is commen sense - Stop adding to
your debts. If you continue to rack them up, you may never get
out of them in the first place. You will also need some extra
money left on the table each month to pay off your debts
quicker. This is where slowing spending can help.
Businesses that provide products and services already have a lot
of information about you. This information is stored and tracked
based on what you eat, where you shop, products and services you
buy. Based on this information, they continue to send emails and
flyers to entice you into spending further. They try every
possible way of making it easy for you and eventually you will
get into the downward spiral of debt. These businesses will also
go a step further to provide you with credit cards and personal
loans.
So what do you do?
You will need quiet some effort and planning. You will also need
to budget your purchases. Think hard for a few minutes before
you actually make the purchase and ask a few questions to
youself whether you really need that nify gadget / product or
service.
You
must define a purchase checklist and when you are about to
make a purchase revert and re-read the questions in the
checklist.
What is the price for the product / service? Is this a regular
price or a sale price? If this is a sale price, how much am I
saving over the regular price? Do I really need it? Can I cough
up the cash to buy it today? If not, where will the money come
from? If credit, what will be the credit cost? If the credit
costs are factored in, is it worth it? Does the purchase really
fill a need or want? Can I justify this purchase to a friend?
Would I accept these reasons from someone else?
The above simple questions will help in slowing you down on your
newer purchases. Try not to rack up any credit card debt along
with the purchase. It does take little extra work but is very
well worth in the end. Now with the money you save, work on your
debt reduction plans. Take each debt at a time and work hard on
reducing and eliminating it.
About the author:
Bill A Smith is a credit counselor for ACS debt
counseling. Visit us at http://www.americreditservices.com/debt-cons
olidation/debt-consolidation-2.htm
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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 ... |
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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 ... |
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| William Brewer |
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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 ... |
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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. ... |
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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. ... |
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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, ... |
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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: ... |
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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. |
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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. |
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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 ... |
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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. |
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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. |
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