If you have decking installed in your garden and it has been there for a number of years you will no doubt be fully aware of the maintenance that goes with it. If you don't take time to maintain the decking you will find that it won't last more than a few years due to the adverse weather conditions that are experienced over the years.Considering the cost involved with decking it is somewhat surprising that people don't take more...more
Stress and annoyance become you when you are a victim of debt collection harassment. You could become irritable and nervous to take phone calls expecting the calls to be from debt collectors. Original creditors can call you to collect the payments for debts owed by you. However, creditors do not pursue beyond a few calls and letters. They sell unpaid debts as delinquent debts to collection agencies known as the third party debt collectors for a...more
The Offer in Compromise (OIC) program in the United States is an Internal Revenue Service (IRS) program that represents an agreement between the taxpayer and the IRS that settles the taxpayer's liabilities for less than the amount owed. You, usually use the checklist in the Form 656 to determine if you are eligible for this program. If you believe you are eligible to file an OIC you should seek out representation from either attorneys, Certified Public Accountants (CPA) or Enrolled Agents who can represent taxpayers in front of the IRS.Enrolled Agentsare great representatives when filing an OIC. Enrolled Agentsare admitted to practice by the IRS and can do so nationwide, unlike attorneys and CPAs. In order to become an Enrolled Agent, one must pass theSpecial Enrollment Examination, also referred to as the EA Exam. TheEA Exam is tax specific and covers tax law more in depth than the BAR or CPA Exam.In most cases, the IRS rejects an OIC unless you offer an amount that is equal to or greater than the Reasonable Collection Potential (RCP). The RCP is what the IRS uses to measure your ability to pay, and includes the value attached to your assets like bank accounts, properties,...more
There are many debt reduction solutions, but not all are created equal nor do all give the same level of benefits. When seeking solutions it's always best to find ones that fit your circumstances. In this article I'll present the two solutions that work best for people in most circumstances. After reading you'll have a clearer sense...more
The recession has left many consumers in a bad financial situation. It is hard to keep up with your payments when you lost your job for no particular reason or if you get paid much less but you work more. When you get a loan, you agree with the interest rates and the penalties but most consumers don't even consider the effects of what...more
Debt settlement is everywhere and you might have heard about it from a friend at work, read about it in the newspaper or saw one of the many articles about it on the internet. It has become very popular since the recession and although it wasn't always this efficient, it always had the potential of solving a debt problem and turn it back into and affordable loan. While you can settle debt for less, you can also pay less money on the process and so pay back your debt faster.You must hire a settlement professional if you want to get a good deal and if you don't feel like you can negotiate as good as a professional. Debt settlement can also be tried by the consumer if you want to save some money on fees but this means that you will have to do all the negotiations and you risk getting a bad deal or even a lawsuit.The fees for a settlement company are usually affordable but when in debt, you might see them as an impediment. As soon as you hire a company and they start to negotiate, you no longer have to pay the creditor since after the negotiations are done. The debt settlement company is forbidden by law to ask for any fees in advance and this means that you will have...more
Debt settlement attorneys can really be used for a number of reasons to be able to get out of debt. These are attorneys that work hard to be able to assist you in making your debts more affordable and being able to pay them off quicker as well....more
If you are looking to settle your debt for less, you should know that there are ways to do it and also save money. Here are some things which you should consider when looking to settle your debt.First of all, you will need to stop...more
Knowing how to choose a debt settlement company is absolutely essential in getting rid of a huge debt burden. Choosing the wrong company could get you in even further debt than you already are. In this short article, I'll reveal what...more
Debt settlement benefits can be so tough to find nowadays. And in these very tough economic times, it's tempting to bury your head in the sand and hope that your debt problems will go away. Believe me, I have done that many times but...more
Debt problems exist all around the map and most families find themselves struggling over one thing or another at some point in time, it is a sad but very true problem going on in the world. Debt can be and is very bothersome, so for anyone out there...more
When it comes to the truth about debt settlement, you'll find a lot of conflicting information. Which raises the obvious question, how can the truth be conflicting? Well, the truth can never be conflicting and in this article I'll...more