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Credit Repair Collection Agency
Credit repair and collection agencies go hand in hand since one
is out to get the other. In other words, we sometimes run from
our debts taking advantage of a kind gesture. Collection
agencies are not as kind as the lenders so therefore...
Debt Management in the UK
Debt management, as defined in the UK, is a course of action
where a reduction in repayment amount and/ or interest charges
is negotiated with unsecured creditors, when you are no longer
able to meet your repayment requirements.
For some...
Online Car Loans - Getting A Good Quote Online
Online car loans enable you to get a good quote and ultimately the best deal. With dealerships and local banks, you are at the mercy of their rates. But with the internet, you can find the lowest rate in the country. These tips will help you find...
Secrets Of The SUPER Super Affiliates
A super affiliate is an affiliate product marketer who has the ability to sell a LOT of affiliate products. Since this affiliate can produce much greater results than an average affiliate, he is often offered special deals by affiliate...
Starting your own small business
Starting your own business is quite easy. It is challenging. You must organized your thoughts and steps to make your success. Think of your everyday life. If your hobby is writing articles then create a publishing business or create your own book...
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What You Must Know Before Attepting Debt Negotiation
Debt negotiation should be viewed as a last-resort measure
before filing bankruptcy. A lender has little motivation to
accept a pay off for less than the full amount unless the debtor
is already months behind on bills. Debt negotiation, also
sometimes called debt settlement or debt arbitration, is best
reserved for use when debt is seriously delinquent. If you're
considering debt negotiation, it's important to be informed
about all the options available to help you deal with your debt.
Contact your creditors, negotiate payment arrangements, ask
permission to skip a payment, or ask for a lower interest rate.
These are simple measures you can take as a first step to manage
your debt. Try these options first before you attempt any other
course of action.
If you have a large amount of debt, a qualified credit
counseling service may be able to help you reduce payments and
prevent further damage to your credit report. Although credit
counseling can provide consumers with valuable assistance, some
firms exist only to cheat their unknowing clients. These
companies use their non-profit status to attract customers who
are then scamed into paying large upfront fees. Those fees are
then sometimes funneled to for-profit companies. Recently, the
FTC and IRS issued the following tips for choosing a credit
counseling organization.
* Pay very careful attention to the fees you are being charged,
the nature of the services the agency offers, and the terms of
the contract. * Check to make sure that your creditors are
willing to work with the agency the you plan to choose *
Consider using agencies that offer actual counseling and
education, instead of simply enrolling all clients in a debt
management
program
Another option for consumers overwhelmed by debt is to
consolidate debt by establishing a new loan (debt consolidation
loan) with lower monthly payments. A debt consolidation loan
helps manage your debt because the loan is usually over a longer
period of time and possibly at a lower interest rate than your
existing debt. Consolidation should be used when debts are
mostly current.
While there are many options to help you cope with unmanageable
debt, sometimes debt negotiation may be the only appropriate
course of action remaining. For example, debt negotiation would
be a good course of action if a long-forgotten debt is the only
bad entry on your credit report. However, keep in mind, you may
owe income tax on the debt owed. Any forgiven debts of $600 or
more are considered income to the consumer. If you do negotate a
debt down, the creditor will send you and the IRS a Form 1099-C
at the end of the tax year.
As a general safety precaution, anyone who plans on using a
third party to handle their finances should remember to check
them out with the Better Business Bureau and State Attorney
General's Office of Consumer Protection. These agencies keep
records of credit repair services that have mislead their
customers about the impact the service would have on their
credit rating, the fees involved, and the possibility of legal
action from the creditors.
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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