Tag Archive for 'debt relief'

Does the Credit Card Debt Survival Guide Deliver?

Published
by
Will Manning
on November 30, 2009
in self improvement
. 0 Comments

Credit card debt elimination by non-payment sounds too good to be true, but it is true. Mel Thompson, the author of the Credit Card Debt Survival Guide, who put his credit card debt behind when he could not pay it, shares the techniques he learned from lengthy research into consumer protection laws and other people’s first hand experiences.

There are a lot of scams out there. This is the real thing.

The conventional way to eliminate credit card debt is to work with creditors to negotiate a lump sum or monthly payment settlement. This guide covers these usual methods first. Then it explains all the debt consolidation, settlement and elimination scams used by debt relief firms to cheat debtors. There are detailed chapters for overcoming debt collectors, winning court action and arbitration, finding help and credit repair. Readers can take what applies to their situation and put their credit card debt behind them without paying it.

The author spent close to a year researching this book and finding related posts from other credit card debtors on Internet consumer forums. Many people have the experience of eliminating credit card debt when they could not afford to pay it. At 240 pages this e-book is thorough, but the 76-item table of contents makes the information you need convenient to find.

Bad information, guilt, ignorance and shame are the largest obstacles to eliminating credit card debt by not paying. The author puts you in a positive frame of mind by explaining what little power debt collectors really have and how hard it is for collection attorneys to legally document unsecured credit card debt.

New purchasers of the Credit Card Debt Survival Guide (http://www.credit-card-debt-survival.com, $47.00) get free updates and the Credit Card Debt Survival Newsletter for six months. There is also a no-questions-asked 90-day money-back guarantee.

Will Manning put his credit card debt behind with the Credit Card Debt Survival Guide.

Are You Thinking About Filing For Bankruptcy?

Published
by
Darlene Finch
on October 13, 2009
in self improvement
. 0 Comments
by Emma Elvie

Whenever we are facing any type of financial troubles most of us begin to turn to the internet for information about “filing for bankruptcy” because we tend to believe that there is no other way to stop the financial pain that is happening to us.

However if you are considering filing for bankruptcy then you have come to the right place. There are some things that you should be aware of before you even consider it. We wanted you to be aware of these things before you even move forward with filing for bankruptcy.

The internet is one of the first places that people come to when they are searching for ways to get out of the financial trouble they are facing. However if you have ever experienced financial troubles then you should be well aware of the fact that it can seem impossible to rid yourself of the debt.

However before filing for bankruptcy you may want to consider sitting down and taking a look at all your options. People who begin struggling with their finances tend to become paranoid and refuse to talk to their creditors.

We know that it is extremely easy to begin dodging phone calls from the creditors that you do not want to talk to. However if you are searching for ways to avoid filing for bankruptcy then it is extremely important that you are honest with them about your financial burdens. We have discovered that some creditors will understand and will try to work out something on your monthly payments that will be able to help you ease some of the financial burden.

Even if they are not willing to work with you; it is important that you are open and honest with them about your situation. It is the only way that you will be able to take responsibility about your financial issues.

Stop by our site below for some more tips and advice that you can use before filing for bankruptcy. You will find some valuable tips and information that is sure to help you get back on your feet as quickly as possible.

About the Author:
Filing Bankrupt What You Need To Know! Debt Relief

How Can You Clear Debt?

Published
by
Ben Davies
on August 2, 2009
in self improvement
. 0 Comments
by Ben Davies

If you are struggling with debts then there is help to get you back on your feet again.

At the top of the list are the two largest methods in the debt management industry. These are debt consolidations programs and also debt relief. There are pros and cons for each different method and it’s best to understand them before making any decision.

Debt Consolidation is when you get a loan from a consolidation company to cover all your existing debts. You can consolidate all your payments into one monthly payment as well as significantly reduce the interest rates you were paying.

people who use these programs can change their situation from one where they were in a vicious circle with ever increasing debt to one where they can much more easily manage payments. It also has the advantage of letting people get on with their lives, instead of always worrying about money and creditors.

However, there are some disadvantages. Firstly you still have the same amount of debt to pay off, in fact more, because a consolidation company will charge fees and the repayment period can be very lengthy so you will continue to be in debt for a long period of time.

You also must consider that the consolidator effectively looks like a third party as far as credit agencies are concerned. Because a payment come from a third party it can have a very negative effect on credit.

The second plan is debt relief which I personally recommend to my clients. This involves a relief company actually going to the creditors and negotiating a discount on your debt.

It’s a straight discount, and we have seen some people reduce their debts by up to 80%. You no longer have to pay crippling interest rates and the repayment schedule is significantly reduced. Of course the level of reduction depends on personal circumstance, but you can get out of debt extremely quickly with this method.

This method can work because the crediting companies can understand that without negotiating their returns will be even less, especially is bankruptcy is declared.

Although, it is also important to understand that to get the best discounts that you can, you should only use the best companies to work on your behalf. They will also offer support as you go through the whole process to ensure it’s successful completion.

About the Author:
To see an independent report of the best debt relief and debt consolidation companies in the industry to help you Clear Debt go to This Page

Tips For Choosing A Legitimate Debt Settlement Company

Published
by
Jon Ochs
on June 23, 2009
in self improvement
. 1 Comment
by Daniel R. Michaelson

Is the credit crunch causing heartache, headaches, and family disputes? The chaotic scene of our financial markets has taken a toll on millions of Americans searching for relief. In the midst of this, some debt settlement firms in need of profits are showing their faces. Instead of helping these people improve their credit, a lot of them are just out to get s return for nothing. That’s why a legitimate debt settlement firm is hard to find.

The truly sad thing is that businesses will always pop up to take advantage of desperate people. Debt settlement firms, for the most part, are reputable businesses with the legitimate goals of 1) Helping people, and 2) Making money. But especially in the aftermath of the disastrous bankruptcy reform laws of 2005, more and more people are looking for a way to get out of debt, and thus, more disreputable firms have come into the market to take advantage of these people. If you find yourself in such a situation, here are some tips to help you avoid scam artists posing as legitimate debt settlers:

1.The company should offer a free consultation: This is the industry standard. Anyone who expects you to pay up front is not on the up-and-up. In fact, a legitimate debt settlement firm will need to somewhat thoroughly evaluate your financial situation to make sure that debt settlement is right for you in the first place.

2. Upfront fees for a typical discussion is a red flag of a company’s true intentions. Free credit consultation, their procedures, and information on how to manage your debt. Some companies are more than happy to help you rebuild your credit without taking a chunk of your money. Reputable firms are concerned about your well-being, plans, and your ability to repay your debt in a systematic method. Actually, the best companies try to offer you a way to settle your debt without using their services (how many are out there with this kind of heart?).

3. ‘Too-good-to-be true’ offers can include outlandish claims to save you thousands of dollars, stop the creditors’ harassing and embarrassing calls, and demand payments anytime they want. It’s your responsibility to manage the calls from recovery specialists with dignity. Do not wait for a debt settlement firm to take your money when you do all of this on your own. In fact, make a plan to save to repay your debt today. The start begins here then search for outside help if you truly need it.

4.The company should be 100% TASC compliant: Compliance with TASC guidelines indicates that the company is held to certain professional and ethical standards. If a debt settlement company does not adhere to these standards, it is an almost sure sign that they are a fly-by-night operation. It is not necessary for a debt settlement company to be a TASC member to be TASC compliant. To verify if they are compliant, their enrollment agreement should include a TASC debt settlement disclosure page.

Consider all of these possibilities, problems, and the overall result of a debt settlement firm. Do you want to go through with this without making progress? There are a lot of options available for you if you want to settle your debt in a smart, manageable way. Learn the ropes of credit then tackle it with a strategy based on your ability, financial stability, and passion to correct your credit.

About the Author:
This article was written by Daniel R. Michaelson, a 20-year authority in the debt consolidation industry. Daniel has been helping consumers through his endorsed debt settlement program.
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