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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...
Divorce: "Divvying Up" the Debt
In any divorce, financial matters can be the stickiest issue for couples to get around. When you carefully consider all of your debts without bias or hard feelings, the both of you can eventually reach an agreement that is fair to all.
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Leave Home Without It...How to Avoid Credit Card Debt
It would seem that a day doesn’t go by without receiving a credit card offer in the mail. Oftentimes, the offers seem too good to pass up. But before you’re tempted to apply for that “platinum card”, there are a few things you should know. Too...
UK Consumers Regaining Control Of Runaway Levels Of Personal Debt
The UK in recent years has seen a massive growth in the levels of personal debt and thanks to increases in secured loans corresponding to a strengthening of the housing market; it does not appear to be slowing down. Recent figures from Creditaction...
What is Debt Consolidation?
Debt consolidation may be the answer for anyone drowning in a sea of unpaid bills. Debt consolidation lumps all of your unsecured debts including credit card bills, doctor, dentist, veterinary, and other service provider bills – any bills that are...
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Filing Bankruptcy And 3 Helpful Alternatives To Eliminate Your Debt
You've got some serious debt problems. Take heart in the fact
that a lot of people do these days. The key to getting out from
under debt is to evaluate the situation you're in, and then to
decide if you're willing to do what it takes to change it. Are
you going to stop using the mall as your playground? If so then
you have a chance to get out of debt without resorting to
bankruptcy.
In fact there are many tactics to try before you even think of
heading to a bankruptcy lawyer. Here are some important
considerations and alternatives to help you avoid bankruptcy.
New bankruptcy laws make it more difficult to file than it used
to be.
From the period of 1994 to 2004, filing for bankruptcy has
doubled. Bankruptcy filing has spun out of control with
consumers being targeted with easy credit. This has become a
major cause for bankruptcy.
What About The New Bankruptcy Laws?
There is now a new law for bankruptcy that was passed called the
"Bankruptcy Abuse Prevention and Consumer Protection Act".
People struggling to pay their credit debts are now going to
have to deal with this new bankruptcy law.
3 Effective Alternatives To Help Avoid Filing Bankruptcy
1. Contacting creditors is an alternative to bankruptcy. Instead
of filing for bankruptcy, you work out payment options with your
creditors. In many cases they are very willing to work with you.
It's to their advantage to keep you as a customer. The creditors
know the alternatives for bankruptcy will bring them more
profits if you don't file for bankruptcy.
2. Getting a debt consolidation loan is a good alternative for
bankruptcy. Financial services can combine all your debts into
one loan payment every month. A consolidation loan as an
alternative for bankruptcy, can help pay off debts. For
bankruptcy consolidation loans, you can shop online for the best
terms and rates. Lenders are very competitive to earn your
business online.
3. You may also consider a debt
workout for bankruptcy
alternatives. With a debt workout, an attorney contacts your
creditors and makes arrangements. In most cases the monthly
payments will be less than if the credit account was settled in
full. For some cases they want the payment in full, but over a
longer period of time than originally stated on the credit
agreement.
Filing Bankruptcy And How To Find A Good Lawyer
If you have decided there is no alternative to filing
bankrupty,you may be asking yourself, "how do I find a good
bankruptcy lawyer? The best way to find a good bankruptcy lawyer
is through referrals. Family members and friends who filed
bankruptcy in the past can refer you to a good bankruptcy
lawyer. The yellow pages in a phone book is another great place
to find reputable bankruptcy lawyers. Another invaluable place
to find a good bankruptcy lawyer and services in on the
Internet. When you search for a lawyer, try to find a lawyer
that deals with your type of bankruptcy. You can get free advice
with the first meeting.
What Will I Need For My Bankruptcy Lawyer?
With your first visit, it's important to bring everything you
can on the first consultation. You will need a list of all the
creditors and how much you owe for your bankruptcy lawyer to
consider. This includes any insurance, medical bills, auto
loans, taxes, student loans and any personal loans. Your
bankruptcy lawyer can give you the advice you need with this
important information. This will make the filing process easier
if you do decide to file bankruptcy.
If you're not going to be able to change your behavior enough to
get your debts under control, then you may, at some time, have
to resort to bankruptcy.
About the author:
Dean Shainin offers online bankruptcy and debt advice. For more
information, articles, news, tools and valuable resources on
bankruptcy and debt solutions, visit this site:
Bankruptcy
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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 |
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| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
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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 ... |
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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. |
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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. |
| 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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