|
Debt Consolidation Companies: Common Pitfalls to Avoid
It's difficult not to notice the incredible growth that there
has been in companies offering debt consolidation programs and
solutions over the past few years. At first, debt consolidation
companies were some of the biggest advertisers on the...
International Expansion Starts With The Right Mindset
The prospect of taking your company into new international markets is exciting, and there are many clear benefits as to why you should consider expanding now more than ever before, such as access to greater revenue opportunities, recognition as a...
Killer Profit Boosters
1. Gain an advantage over your competition. You should find one benefit your competition doesn't offer and use it as your main selling point. 2. Design your e-zine so it creates multiple free advertising streams. Ask readers to forward it...
Lower Credit Card Debt
You can lower credit card debt through a variety of options.
Consolidating your debt into one loan can help lower interest
rates and monthly payments. If you need additional help, you can
use a debt management or debt negotiation company. Both...
The Art & Science of Property Valuation
The Art & Science of Property Valuation It is no secret that sellers want to sell high and buyers want to buy low. But they often arrive at the negotiating table with very different ideas on price. A fair and objective property valuation can help...
|
|
| |
|
|
|
|
|
|
Is Debt Negotiation Bad? Points To Consider
Debt negotiation companies that claim they can wipe your credit
clean or guarantee they can reduce your debt are bad because
they can't deliver. But reputable companies can negotiate with
your creditors, often reducing your debt 10% to 50%. They can
also help you rebuild your credit score by reducing debt and
getting a handle on your monthly payments.
Claims That Are Too Good
Companies claiming that debt negotiation has no impact on your
credit score or that they can remove negative scores are lying.
Creditors will report accounts that have been reduced, and it
will stay on your credit history for seven years. All other
negative scores, such as late or missed payments, will also be
on your record for seven years even if accounts are closed.
Guarantees that your all your debts can be reduced should also
be avoided. Creditors have no requirement to negotiate with you
or a debt negotiation company. But if creditors see that you are
struggling with payments, they may lower your debt to recoup at
least some payment from you. With bankruptcy, lenders may never
see repayment.
Promises You Can Believe
Reputable debt negotiation companies
can reduce your debt. They
are skilled at bargaining with creditors. While they can't
guarantee every account will be reduced, they can make a
significant impact.
Your credit score can be raised after your debts have been
reduced if you manage your credit wisely. Regular payments,
reduced debts, and cash reserves will soon make you eligible for
loans. When your credit rating is poor, you can use a subprime
lender. In some cases though, within two years you can qualify
with for a conventional loan.
Warning Signs To Watch For
Avoid companies that make extreme claims or charge high up front
fees. Also, skip companies that advise you to stop payments on
your accounts. Not only will you rack up late fees, but you will
further hurt your credit score.
Debt negotiations are a valuable tool to avoid bankruptcy. While
such reduced debt will lower your credit score, you can soon be
on your way to better credit. Be sure to research companies
before you sign up and you'll protect yourself from scams.
About the author:
View our recommended companies for Debt
Solutions.
|
|
|
|
|
| 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 |
|
| Negotiation Seminars Negotiation Training Negotiations Consultants ... |
| Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers. |
| www.negotiation.com |
|
| Program on Negotiation at Harvard Law School |
| Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
| www.pon.harvard.edu |
|
| 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, ... |
| www.pon.harvard.edu |
|
| The Negotiation Skills Company, Inc. |
| www.negotiationskills.com/ - 3k - Cached - Similar pages |
|
|
| 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 |
|
| 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, ... |
| www.colorado.edu |
|
| 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 |
|
| 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 |
|
| 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 |
|
| negotiation journal |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
|
|
| 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 |
|
| 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 |
|
| Eric C. Gould's Negotiation Site |
| Subscribe to newsletter with negotiating tips and techniques. |
| www.batna.com |
|
| free negotiation training for sales, debt, contract, salary ... |
| Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ... |
| www.businessballs.com |
|
| 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 ... |
| midcareer.monster.com |
|
| Negotiation Articles |
| Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
| www.pertinent.com |
|
| 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 |
|
| 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 |
|
| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
|