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A Well-contented Debt Free Lifestyle for Millionaires
Here's a simple way to have a well-contented
debt free lifestyle & insure your sound financial future.
Sick & tired of working a job for someone else;
commuting one-two hours every morning &
evening?
Have you been passed up for...
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...
Debt-to-Income Ratio - It's Just as Important as Your Credit Score When You're Shopping for a New Home
Your debt-to-income ratio (DTI) is a simple way of calculating
how much of your monthly income goes toward debt payments.
Lenders use the DTI to determine how much money they can safely
loan you toward a home purchase or mortgage...
Debtor's Ethic
Faith Fellowship Church…PO Box 1586…Broken Arrow, OK 74013…Pastor Terry Dashner…918-451-0270 “Beware of the Debtor’s Ethic” “Good deeds do not pay back grace; they borrow more grace.” John Piper Can a bad motive spoil a good deed? Should we, the...
Reduce Your Debt
Do you want to reduce your debt? Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You're not alone. Many people...
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Do It Yourself Debt Relief
With mounting bills and unforeseen hardships, you may be considering some form of debt relief. There are many options to help you, but the best may actually be you helping yourself. Here are some suggestions for starting debt relief and becoming more solvent.
First, don’t stop communication. While it is a natural response to stop answering the phone and let the mail stack up unopened, this doesn’t solve anything. Contact your creditors. Explain the situation to them. In many cases, they will work with you to reduce your debt by lowering the interest rate and waiving over-the-limit and late fees.
Second, stop using all your credit cards. Whether you file for bankruptcy or sign on with a credit counseling service or debt settlement, all of them will demand that you give up your credit cards. Do it yourself now.
Third, make getting out of debt a priority, and work toward debt relief as though you were with a credit counseling service. This is how credit counseling services work. You make one regular payment to them each month, and they disburse your money to the creditors. When one is paid off, the extra money is applied to the other creditors. If you have extra money one month, put it toward one of your bills. As soon as you have paid off that bill, take the money you would have spent on that one bill and apply that every month to another bill.
By continually making larger payments than what is owed, the credit cards will be paid off faster.
Some companies will tell you that because you are not a professional negotiator, credit card companies will still take you for as much as they can. That is a possibility. If you are unsure about taking the above steps yourself, you can check into debt settlement, debt consolidation, or consumer credit counseling services. All of these options promise to reduce your debt by anywhere from 40-60% and to be debt free within 1-5 years. Be careful, though. Some will take an upfront fee of up to thousands of dollars, which doesn’t get applied to your creditors. Others claim to be non-profit and will take a donation, but the donation may seem like just another bill to pay. Further, they may guarantee to protect your credit rating from bankruptcy, but that doesn’t mean that your credit rating will come through cleanly because you are dealing with a debt relief service.
Do plenty of research before signing on with any of them for debt relief.
About the Author
Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and free debt consolidation information that you can research in your pajamas on his website.
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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 ... |
| www.debtrelief.com |
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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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