|
|
|
(Debt Negotiation) Companies and Cyberspace: Business & Consumer Pros & Cons
The Internet seems to be one of the most dangerous, yet convenient places out there. But, as in real life, there is still more good than we hear about. Amongst the spy ware, pop-up ads, search engine spamming, redirect only sites, phishing scams,...
FSBO Real Estate
Buying FSBO real estate, or houses for sale by owner, has its
own particular problems and opportunities. Dealing with an
uninformed seller who thought he knew enough to handle
everything by himself can be frustrating, but it can also be
very...
Nigerian Scam Warning
Scam Warning-Important According to www.fraud.org this is one of the top worst scams on the Net. Admittedly this column is not about disabilities. However I think it is important and relevant since it is about a problem that seems to prey...
Pull an elastic band too far - it snaps
Building a resilient workforce to manage pressure effectively
'Resilience' is the new buzzword for the process of adapting
well in the face of adversity, trauma, tragedy, threats or other
'stressors'. It's how we 'bounce back' from...
Short Sale Success Secrets With Foreclosures
If you’re active in real estate investing, you may already realize one of the biggest issues real estate investors face: Finding Great Deals. FORECLOSURES AT A 52-YEAR HIGH With foreclosures at a 52-year high, there are thousands of deals...
|
|
| |
|
|
|
|
|
|
What Is Credit Counseling?
If you are in trouble financially, 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 credit counselor to pay off your debt in smaller, monthly lump sum 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 the following outline of the best way to work with a credit counseling service.
First, you’ll need to be able to identify a good credit counseling service, and not fall victim to one of the many scams that are out there. Start by avoiding any ads that promise you quick fixes for your credit report-quite simply, there is no such thing. Instead, look for a reliable company accredited by Consumer Credit Counseling Services.
Next, you’ll have to meet with your credit counselor, and provide them with all of the details of your debt. Don’t be tempted to leave anything out because he or she will need that information in order to create a workable re-payment schedule for you.
Now, you’ll get to sit back and allow the credit counselor to work for you. They will contact all of your lenders 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. Oftentimes, 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 missing their client’s payments, and if that happens, your credit report will suffer for it. Knowing that, be sure to check out the company thoroughly before signing up for their debt management program.
What will you pay for all of these services? A reputable company will only charge you a small fee, somewhere around fourteen dollars per month. That’s another way to know if you are dealing with a scam operation—if they want a lot of money up front, it’s almost a guarantee that they don’t have your best interests at heart.
You should be aware that working with a credit counseling service can do some damage to your credit report. However, for most people who are at the stage in their financial lives who would even consider such a move, would most likely benefit from it. After all, it’s much easier to explain away an honest attempt to get your finances in order than it is to explain a bankruptcy or a report full of charge-offs.
About the Author
This article provide courtesy of http://www.debt-ender.net
|
|
|
|
|
| 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 |
|
|