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Are You Invisible?
(c) Copyright 2004 In today’s competitive workplace it is not enough just to be good – you have to be seen to be good. It is not an environment in which to indulge in false modesty. If you allow your talents to be taken for granted they will be....
Cheap Home Loans are not Available as a Readymade Potion; Need to Work to Make Them Happen
For most people in the UK, home loans necessarily connote cheap
finance. How can they not get cheaper finance when they have
offered lien on home to loan provider? Loan providers however
devise ways to overcharge borrowers who are not much...
How To Handle Customer Billing Snafus
Q: I just discovered that for the past six months I have been billing a client half of what I should have been. Should I just include the total of the past due balance on his next bill or contact him first to let him know that it's coming? This...
Innovative Form of Business Debt Management Saves Thousands
As any business owner knows, being sued can be a stressful,
time- consuming, and expensive experience. In fact, it can be
absolutely devastating for a business, leading to financial ruin
and even bankruptcy.
Add to that the public's...
Protectionism in Russia
The new law "Special Protective, Antidumping and Import Compensatory Measures" differs from the old one by the fact that it fully complies with the WTO (World Trade Organization) standards. It is for the first time in the Russian practice that a law...
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Can Credit Counseling Really Help?
If you have high debt, and are in trouble, you have probably
heard the term "credit counseling," but do you understand what
it is? Oftentimes this term is used in the same sentence as debt
negotiation or debt settlement, but actually, it's a completely
different process. With credit counseling, you will actually
work with a professional credit counselor to pay off your debt
in lower, monthly payments that you can afford.
The people most likely to need credit counseling are those who
are receiving troubling phone calls from bill collectors, or
whose accounts have gone to collection agencies. If you think
that you may benefit from using a service like this, please read
on to find out the best way to work with a credit counseling
company.
First, you'll need to be able to find a good credit counseling
company, and not fall victim to one of the many credit
counseling scams that are out there. Start by avoiding any ads
that promise you quick fixes for your credit report. There is no
such thing. Instead, look for a reliable company that is
accredited by Consumer Credit Counseling Services.
Next, you'll have to meet with a professional credit counselor,
and provide them with all of the details of your debt. Don't be
tempted to leave anything out because they will need the
information in order to create a re-payment plan made just for
you.
Now, you can sit back and allow your professional credit
counselor to work for you. They will contact all of your
creditors and inform them that you are trying to create a plan
that will allow you pay off your debts. They will work with them
all and coordinate a
re-payment schedule that you can live with.
Many times, they will be able to lower your interest rates in
order to allow for lower payments.
Some credit counseling services offer a debt management system.
What is it? Instead of having to keep up with all of the
payments yourself, you will have the option of submitting one
lump sum payment to the credit counseling service and they will
do it for you. One note of caution here: there have been
instances of a credit counseling services paying their client's
payments late, and if that happens, your credit report will
suffer for it. Knowing that, be sure to check out the company
thoroughly, by checking references, before signing up for their
debt management program.
What will you pay for all of these services? A reputable Credit
Counseling Service will only charge you a small fee, somewhere
around fourteen dollars per month. If they are asking for alot
of money up front, they may not have your best intests at heart.
Be on the look out for potenial scams.
You should also be aware that working with a credit counseling
service can do some damage to your credit report. However, the
good does out weigh the bad. After all, it's much easier to
explain an honest attempt to get your finances in order than it
is to explain a bankruptcy or a credit report full of
charge-offs.
About the author:
If you would like to get more credit information you can visit
our website which contains many credit resources.
http://www.my-credit-report.info This article is copyright 2005,
but can be freely reprinted, as long as no changes are made,
including hyperlinks.
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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