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Debt Consolidation Services - 3 Things To Watch Out For With Debt Consolidation Companies
Debt consolidation services can provide a valuable service by
lowering your interest rate with creditors, enabling you to pay
off your unsecured loans and bills in a short period. However,
there are companies that would rather take your money...
Get Focused Now: 10 Essential Questions
If you feel like life is passing you by, take a look in the mirror and say hello to your biggest opponent. Tell yourself the honest truth. Are you where you planned to be five years ago? Do you have all the fame, fortune, and success that you can...
Internet RV Financing vs. Dealer Financing
RV Dealer Financing - You WILL Pay More!
You've just signed a purchase agreement with your local (or
not-so-local) RV dealer. You know the drill... your next stop,
will be the finance office. (aka: F&I)
Your salesman does the...
Negotiating to Buy a New Car the Easy Way
Do you hate the thought of buying a new car because of the struggle you have to go through negotiating with the dealership? Relax. Negotiating to buy a new car is easy. Sure their sales people receive negotiation training, but you have the upper...
The Ultimate Short Sale Secret
Buying foreclosures can be extremely profitable for real estate investors. However, most of these homeowners are mortgaged to the hilt. They have no equity, and big loan payments. In fact, many actually owe more than the property is worth! Most...
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How To Avoid Bankruptcy & Get Out Of Debt Faster Using Debt Negotiation!
Has credit card debt got you thinking about bankruptcy?
You're not the only one these days. Even with the new bankruptcy
laws, credit card debt continues to climb. Unfortunately for
most of us, our paychecks don't climb as quickly.
If you're on the verge of bankruptcy, you may have another
alternative.
Debt negotiation is a process where you negotiate with your
creditors to pay off your debts at a reduced amount - for
example, if you owe $12,000, you can negotiation a payoff of
$5,000. The benefit for the creditor is that they get more money
than they may have through bankruptcy, and they get the money
sooner. The benefit for you is obvious - you get out of debt
faster, and save lots of money in interest.
Where do you get the money to pay off the debt?
Take the money you would have normally used to pay your credit
card bills, put it aside, and when you accumulate enough to pay
off the debt, send in the reduced amount you agreed to.
If this sounds confusing, that's ok. It's really not.
There are many professional companies that will do all the work
for you, and charge you a percentage of the savings.
I can speak from experience (I built up a lot of debt trying to
start a sporting goods business, which didn't quite work out)
that even with the fees, this is a good deal - plus you save a
lot money by not having to pay the high interest rates on your
credit card bills.
Sure, it is a more aggressive approach to getting out of debt
than making minimum payments, using credit counseling, getting a
debt consolidation loan, or borrowing from a friend or relative.
But in the end, you'll get out of
debt faster...
And avoid bankruptcy!
If you've never heard of debt negotiation (also called debt
settlement), that's ok too, not many people have. I didn't until
I began to seriously consider bankruptcy.
One reason many people are hesitant to consider debt negotiation
is that it goes on your credit report. Sorry to tell you, but
having lots of debt (even if you pay on time), making payments
late, even credit counseling - all go on your credit report and
can negatively effect your credit. And (of course) bankruptcy is
a big negative!
In my case, getting out of debt, removing all the financial
stress, and being able to live a normal life were well worth it.
With so much debt, having good credit was meaningless anyway.
Plus, I was able to get all but one of the negative items off my
credit report (that's a topic for another discussion), and my
credit is now back to normal. In fact, I now get more credit
card offers than I can handle - and fortunately, I can now throw
them all in the trash! When money is tight, and debt is high,
there aren't many simple answers.
But if you are already considering bankruptcy, then debt
negotiation might be the right alternative to help you get out
of debt faster!
About the author:
Kris Bickell is the owner of Debt-Tips.com, a helpful site for
consumers struggling with credit card debt. For tips on getting
out of debt, repairing your credit, saving money, and making
extra money online, sign up for the free "5 Simple Steps To
Getting Out Of Debt Faster, Fixing Your Credit Problems, &
Saving Lots Of Money!" email course at:
http://www.Debt-Tips.com/. © 2005 Debt-Tips.com
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| Negotiation - Wikipedia, the free encyclopedia |
| The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
| en.wikipedia.org |
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| Program on Negotiation at Harvard Law School |
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| PON: Harvard Negotiations Project |
| Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
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| The Negotiation Skills Company, Inc. |
| www.negotiationskills.com/ - 3k - Cached - Similar pages |
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| Global Trade Negotiations Home Page |
| The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
| www.cid.harvard.edu |
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| Principled Negotiation |
| Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
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| Salary Negotiation and Job Offer Tutorial |
| Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
| www.quintcareers.com |
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| Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
| Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
| www.quintcareers.com |
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| Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
| This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
| www.mindtools.com |
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| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
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| Apache Content Negotiation |
| Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
| httpd.apache.org |
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| JobStar--Salary Negotiation Strategies |
| JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ... |
| jobstar.org |
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| Eric C. Gould's Negotiation Site |
| Subscribe to newsletter with negotiating tips and techniques. |
| www.batna.com |
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| free negotiation training for sales, debt, contract, salary ... |
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| Monster.com: The Negotiation Coach |
| Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ... |
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| Negotiation Articles |
| Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
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| CareerJournal | Negotiating Tips - Salary Negotiation Tips ... |
| Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
| www.careerjournal.com |
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| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
| www.pon.org |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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