The FTC recently passed new laws regulating the debt settlement industry banning them from collecting upfront fees. Now consumers that enter into a debt settlement program will not have to pay a fee until the debt relief company actually settles the debt. Therefore the risk of entering such a program has been drastically shifted from the consumer to the debt settlement company. With the new FTC laws, debt relief companies won't...more
Most businesses have to deal with debtors who are not willing to pay up their dues at some point for time or other. Sometimes there are genuine reasons that prevent borrowers from paying up and sometimes they simply try to dupe creditors into believing that they do not have enough resources. In either case, much of the money can be recovered if the right recovery techniques are used.Not using the correct recovery techniques can be detrimental...more
Spending sleepless nights over mounting credit card balances? Trying to get rid of the ball-and-chain of debt that is feeding your anxieties? Tired of paying exorbitant bills? Here are the best ways to combat out of control debt. At the outset be very clear that you have to completely resolve to spend less than you usually do. Keep in mind that you have done something wrong and that is why you are in this mess. Make it a habit to never cross your limits while you are out shopping. Realize once and for all that if you can't pay for something today, then you can't afford it at all. This is of utmost importance if you wish to combat out of control debt. Out of all your cards, pick the one or two major credit cards that feature the lowest annual interest rate. Make your mind up to use those cards for emergencies only or you will be out of way to combat debt because you will keep incurring debts.Ask your credit card company for a lower interest rate if they are charging you more than 14% interest. Call them up or visit them in person and ask them to reduce your rates to at least 11%. Tell them that you have received better offers for much-lower-rate cards from...more
Many companies have sprung up to take advantage of the explosion in consumer debt and the inevitable problems that follow. Many of these companies are reputable organizations that will genuinely try and help but unfortunately some are simply scams that will cost you money and sometimes make the situation worse. A simple rule is to...more
Is it a situation where you are jacked with multiple debts and are struggling to get rid of it? If yes, then you should apply for Payday advance today. These loans are specially designed to help you out from all the debts without putting any kind of stress on you. You just need to hit some keys on your computer and the money will be in your...more
If you have found yourself with a debt issue that you want to get resolved as quickly and as painlessly as possible and are seeking debt advice, then you will want to know that the debt advisor you are talking with is an impartial debt advisor. Why? Because only if the debt advice that you are receiving is free debt advice, independent of any commercial bias or influence, can you be assured that it is the best debt advice available. In a situation where you have found yourself owing money that you are having difficulty repaying, it is vital that in order to manage the debt properly it is your best interests that are being reflected in the debt management decision making, and not anybody else's best interests.First things first though the question of whether to pay for debt advice. If anyone does try to charge you for debt advice just politely turn your back and walk away. They're wasting your time. Don't let them try to waste your money too, especially if you haven't got any to waste. No credible debt management agency worth its salt will charge you for advice.Then again just because the best advice is free advice don't be fooled into thinking that all...more
In the earlier days, users of prescription glasses used to have only fully rimmed frames to put on. Though these fully rimmed prescription glasses can offer the lenses protection, the weight of the pair goes against them and is a serious disadvantage...more
National Debt Relief ProgramChristian Debt AssistanceChristian debt assistance is available today and helping many individuals and families who are struggling with debt today in America. These programs offer debt assistance to people of...more
Good afternoon,On Monday morning we purchased WBC shares for the managed accounts portfolio at a touch under $22.19 (trading $22.87 as we type)CBA recently reported a very strong FY result and based on our own research we believe that fundamentally...more
Leaving debt in your past is somewhat hard to do. Many Americans that have possessed bad debt in the past cannot get out of it as soon as they had hoped for, and this eventually gives way to lack of drive, and hopelessness. It affects all aspects of...more
A true cappuccino lover won't be satisfied just to purchase ground espresso from the marketplace. Storing terrain caffeine beans for a long time will cause them to oxidize, and thus, decreasing the aroma and flavor. Freshly ground coffee beans...more
FTC‘s Regulation for Debt Settlement Companies: What's next for Debt Settlement Companies?FTC's new debt settlement rules take effect Oct. 27, 2010, and cover telemarketing by for-profit debt settlement services, credit...more