April 2008
Choosing the Right Debt Consolidation Service for You
Tip! You must consider whether debt consolidation is cost effective in the long term. Paying off an existing debt may incur charges for early settlement, and there may also be a fee for arranging your consolidation loan.
Getting into enough debt to be ...
Payday Loans or Cash Advance Loans - Useful After a Bankruptcy
Tip! Your creditors can not change their minds at a later date From the date of approval of your Arrangement all interest and charges are frozen. Unlike bankruptcy there is no advertisement of the IVA in a local paper.
Payday loans, also known as cash...
March 2008
Bankruptcy 101
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
Bankruptcy still remains a my...
What is Bankruptcy?
Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F.
Bankruptcy is the last place a person in serious debt can turn. This is...
Free Online Debt Consolidation
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
A majority of individuals burdened with multiple ...
February 2008
Bankruptcy and Buying a Home - 3 Benefits to Buying a Home After Bankruptcy
Tip! Spend a day at a bankruptcy court. Observing the attorneys in action can give you an idea of the attorney you want representing you.
If you have filed bankruptcy recently, you may wonder if you can get approved for a home loan. You may also wonde...
Bankruptcy as a Debt Management Solution: Why Do so Many of Us Have so Much Debt?
Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows.
In 2004, 1,562,174 Americans sought protection from creditors through bankruptcy court - a per capita ...
Debt Consolidation vs Credit Counseling - Exploring Debt Reduction Options
Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan.
With so many debt reduction options available to you, it’s easy to get
confused on which is the most effective. Debt consolidation all...
Bankruptcy Information - Common Courtroom Terms
Tip! Spend a day at a bankruptcy court. Observing the attorneys in action can give you an idea of the attorney you want representing you.
Bankruptcy- Bankruptcy Terminology, 45 Terms to Know and Understand
Many debtors and creditors know little of the ...
January 2008
Bankruptcy - is This Your only Way Out?
Tip! Forward these documents along with the discharge to all of the credit-reporting agencies (listed below) requesting that each creditor included in the bankruptcy be updated to properly reflect a zero balance with the status included in bankruptcy.
...
Unsecured Debt Consolidation Loans - Debt Reduction without Using Collateral
Tip! Sort the debts. You should physically put them into two piles: one for monthly bills you can’t do anything about and one for other (these will end up being bills eligible for debt consolidation).
Eliminating debt is not an easy task. For th...
Free Debt Consolidation
Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible.
A number of debt consolidation companies offer free services to attract potential clients. These services may...
IVA - An Alternative to Bankruptcy
Tip! It’s not difficult to file for bankruptcy. It really isn’t.
Bankruptcy in the UK is on the increase. The most recent figures from the DTI show that in the third quarter of 2005 personal bankruptcies rose by 32% and as many as 12,256 p...
A Guide to Finding a Debt Consolidation Lender!
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
Having so much debt that you don’t know whe...
December 2007
Debt Management and Debt Consolidation
Tip! If Step 7 is negative or very small, your problem is that you don’t have enough money to live on with your current debt. Debt consolidation may help you, but you need to follow a strict budget that will result in the elimination all of your ...
Credit Counseling vs. Debt Consolidation - Which is Right for Me?
Tip! Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees.
Debt consolidation and credit counseling ...
Bankruptcy Or Debt Settlement
Tip! Get a copy of your credit report. Many times (most times) the credit accounts that are absolved with your bankruptcy are not removed from your credit report immediately.
Bankruptcy or debt settlements often seem like the only options when financi...
Chapter 13 Bankruptcy: How It Effects Your Home
Tip! Ask for suggestions from legal professionals. Find a bankruptcy attorney at the circle of your acquaintances.
There is no doubt that filing chapter 13 bankruptcy will effect your mortgage, but the question is what will it do? When you file, it wi...
Low Cost Bankruptcy Filings
Tip! Prior to filing for Bankruptcy, know and explore all of your options. When all is said and done, bankruptcy should be looked at as your very last option to get you out of debt.
By and large, one would notice that when someone files for Chapter 7...
November 2007
Personal Bankruptcy Laws
Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows.
Individuals can file for personal bankruptcy as a last ditch effort when their credit reaches the limi...
Personal Bankruptcy
Tip! You will also have to prove how well you make payments. Again, lenders will not focus on your credit payment history ending in bankruptcy but rather on the payments that you have made since your filing.
As mentioned earlier, personal bankruptcy ca...
October 2007
Consumer Credit Debt Consolidation - What are Your Options?
Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company.
The average person carries about eight or nine cr...
September 2007
A Breath Of Relief With Low Interest Debt Consolidation
Tip! If Step 7 is negative or very small, your problem is that you don’t have enough money to live on with your current debt. Debt consolidation may help you, but you need to follow a strict budget that will result in the elimination all of your ...
Bankruptcy Attorney - Utilizing their Expertise and Choosing the Right One
Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court.
Bankruptcy can be the biggest...
