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Buying Auto Insurance (part 3 of 4)
Continued from part 3 Insurance Company Advertisements Deceive (part 3 of 4) If some of the millions of dollars spent on advertising auto insurance would be devoted to fair payment of injured insured's' own claims against their own company, we...
Debt Management gives the comfort of a debt free life
Everyone borrows money from the financial market at one or the
other time to meet some urgent needs. But, at that time we don't
realise that taking various debts from different lenders may
become a burden one day. If you too are facing the...
Debt Settlement
What is debt settlement? Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay. The reduction...
Online Business Broker: Take The Stress Out Of Selling Your Business
Online Business Broker - Take The Stress Out of Selling Your Business You've spent several months, perhaps years, putting everything you have into building a thriving, high-demand online business and now you have decided to sell your baby. ...
What is a Business Analyst? (Part 1)
What is a Business Analyst?
Today the term Business Analyst is synonymous with a career in
the IT industry but the most successful and valuable analysts
are those who understand the "business" rather than those who
understand IT.
So...
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Debts Negotiations
If you're in a really bad situation, and you just can't even
make your minimum payments this month, don't worry. You can
negotiate your debts, and pay back much less than you owe - as
long as they get their debt plus interest in the end, no-one is
expecting you to pay the full amount when you just can't afford
to.
If you've experienced some personal financial setbacks, and you
now find yourself with more financial obligations than you can
handle, you may be able to get the debt relief that you
need...quietly and discreetly, and without filing bankruptcy.
Believe it or not, nearly every financial institution will agree
to settle outstanding debts for less than what is owed if you
can demonstrate a legitimate financial hardship. If you are deep
in debt and currently having a difficult time meeting your
financial obligations, its time to take action before bankruptcy
is your only remaining alternative.
Settling your debts takes a lot of time, and many people find it
intimidating. If you do it right, though, you'll be surprised at
how kind your creditors (that is, the people you owe money to)
can be.
Close My Account
It might feel bad, but if you can't afford to pay that credit
card, you'll have to close the account - that means you can't
borrow any more money with that card. To close the account,
you'll have to negotiate something called a 'payment plan'.
A payment plan turns your credit card debt into a plain old
loan. The company might take as much as 50% off the amount that
you need to pay back. It might seem strange, but they're happy
you're paying at all - there are plenty of people who just don't
pay and have to be chased, costing their creditors time and
money. They'd rather hear from you if you're having trouble, so
don't bury your head in the sand.
It's in your creditors' best interest to take whatever you can
offer them, within reason. Their alternatives are
lengthy court
proceedings, or paying collection agencies to come round and
intimidate you. They know that your offer will probably be the
only offer you make before you do something more extreme that
could result in them never getting any money back.
Do It in a Letter
Phoning companies to ask to negotiate your debts isn't a good
idea - it's too easy to get flustered and say the wrong thing.
They're professional negotiators, and you're not. You need the
advantage of having time to think, which is why you should
always negotiate with them by post. Getting it in writing also
means that you can hold them to what they say later on. Here's a
sample letter:
"Dear Sir or Madam,
I regret to inform you that I can no longer afford to make my
minimum payments of $100 per month on my credit card account
with you (account number 111-222-333). I would like to request
the closure of my account, followed by the settlement of the
debt on a monthly payment plan. Please advise what kind of terms
I could expect from such a plan.
Yours faithfully..."
The Damage to Your Credit Report
You will rarely be able to negotiate over your debts without
doing some damage to your credit report. If you're willing to
pay a bigger percentage of the debt, though, you might be able
to persuade the creditor to say that it was paid off to their
satisfaction, instead of recording that they accepted less than
they wanted. It's up to you just how much you feel your credit
report is worth - if you're planning on getting a big loan
anytime soon, this could be something to consider.
About the author:
Original Source: Articles-Galore.com
Information supplied and written by Lee Asher of The Home Income Portal
Home of Serious Online Business Options.
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