Bankruptcy comes in different categories. Each one is created to specifically correspond to the situation of the individual who is filing for bankruptcy. In the past years, a person who wishes to declare bankruptcy can choose on his own to which bankruptcy category he wants to file for. Beginning October 17, 1995 however, a new amendment was approved in the Bankruptcy Law that governs the US.Today, a person cannot make a decision on his own....more
Being able to dispute errors in your report is a right of every consumer. This right was strengthened even more when the Fair Credit Reporting Act was signed in 2003. This important step is one way to fight fraud and ID theft. By detecting early signs of fraudulent charges in your account, the appropriate action can immediately be done. A consumer can alert his creditors right away if someone has been illegally using his account in committing...more
The efficiency of Indias financial infrastructureof which the payments and settlement process is a crucial componentis an important factor in promoting financial sector development, in improving the effectiveness of monetary policy, and in reducing the country risk profile. The payments system across the country needs to be integrated.And what does the RBI do?They are in the process of changing payment instruments! Newer products and services are being innovated in the developed and developing countries and these are being introduced with suitable modifications/safeguards in India. To put it simply, theyre transforming clearing and settlements and making it an online process.At the retail level a wide range of payment instruments like EFT, ECS, E-money, Smart Cards and credit cards will cater to the needs of different types of economic transactions. At the level of inter-bank payments and settlements, real time and on-line funds transfer are likely to play a major role both in local as well as inter-city dealings. The spread and the reach of the modern clearing and settlement solution should enable equal and convenient access from both small and big centres alike. The design of an...more
Author: Mark CrispWhilst I cannot tell you with any certainty which stocks will go on to make the biggest gains in 2010 I can tell you the characteristics of the biggest winning stocks throughout history. And whilst there will always be some exceptions to these rules you will find the majority of the biggest winning stocks in 2010 will follow these...more
When urgent situation arises, it has to be met instantly. But often a salaried class person is found wanting for financial support. To combat urgency, you can however rely on same day payday loans that are tailored for salaried class of people to provide finances within 24 hours of applying for the loan. The loan amount is transferred...more
When creditors transfer the collection of debts to a collection agency, borrowers often encounter problems dealing with collectors. Some collection agencies violate the Fair Debt Collection Practices Act and ignore the consumer rights of the borrower. Meanwhile, many consumers are not even aware of their rights and privileges.If you have received a notice from a debt collection agency demanding you to submit payment, the first wise thing to do is send a dispute letter. Even when you know that you are in debt with the original creditor, sending a dispute letter has its benefits.First, writing a dispute can buy you time to make plans for repayment. Second, you have the right to validate double check whether the charges you are requested to pay are accurate and are not a result of unseen errors. Third, exercising your right to dispute protects you from abusive debt collectors.If you are not familiar with the process of disputing charges, below are some tips on how to write an effective dispute letter addressed to a collection agency:Get directly to the point. You do not need to compose a lengthy letter, and less is more also applies to these types of situations. A short and precise...more
Author: Lauren CaseyIf you read enough fish oil reviews, you will see that most people are very pleased. They have noticed many things, such as an improved ability to concentrate, better mood, better looking skin and less pain in the joints. But,...more
Author: Superior Gold GroupInstead of gold or silver bullion, many investors opt for precious metals mining stocks because they normally yield higher percentage increases than gold and silver when metals prices rise. However, investing in precious...more
Are you looking for small type of financial support? Do you need fast money to handle your urgent expenditure that has occurred in your life all of a sudden? If yes, small cash loans are ready to help you out! These loans are purposely designed for...more
Author: Cindy ThomasRocket Japanese is a popular Japanese learning system. Does it actually work?WHAT DOES THE PROGRAM LOOK LIKE?Rocket Japanese is a software system for download or as a set of CDs. The system consists of audio recordings,...more
A credit card settlement is also known as debt arbitration or debt negotiation. It is a legal approach to debt reduction where a creditor (a credit card company) and a debtor (the customer) meet to settle the debt of the latter to a smaller amount of...more
Bows have been used for hunting and for defense for centuries. In those days the bow was powered by the force of the bowstring, as the archer pulled back on the string; however, today archery has taken a much more advanced stage. The Compound Bow is...more