Debt Relief Information

Afraid to Pick Up the Phone? Here’s How to Deal with Debt Collectors


With Americans struggling with decades-high inflation and other economic uncertainties, millions have turned to debt to make ends meet. Adding to the stress of many are seemingly endless calls from aggressive debt collectors.

Bankruptcy- What You Need To Know


If you have been on the cusp of bankruptcy as of late, you must know this. You may be familiar with the definition of bankruptcy and may have coped with what you think may come next.

Tips to Eliminate Debt


Here are some simple steps to reducing your debt. Most of these tips are self-explanatory and basic.

Selecting A Credit Counselor; Asking The Right Questions.


When you find yourself thinking about using a credit counseling service, you need to be verycareful. You need someone who will help you, not just some pushy sales associate who wantsonly to sign you up for their service.

How to Get Money When You Are Broke


(Money You Don't Have to Pay Back) 1. One way to get money is to have a yard sale and sell itemsthat you are getting ready to toss away because you don't wantthem any longer.

The Effects of Consumer Debt


Consumer BorrowingConsumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages.

Debt and Your Dreams


You may not realize what that credit card bill is doing to you?Bob is a 27 year old truck driver. He dropped out of college after one year and got a job.

Eight Ways to Consolidate Debt


Next to winning the lottery, a debt consolidation loan is a debtor's dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments.

Are You Beating Up On Yourself About Debt?


When you hear the word "debt", whats the first thought or feeling that comes to you? For most people debt is "bad" or it becomes the "enemy" and is something that should be avoided like the plague.Having debt does not make you a bad person.

Worried About Debts?


Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?You're not alone. Many people face a financial crisis some time in their lives.

Dont Let The Good Times Bury You


It is vital to get rid of debt while things aregoing well. Yet the opposite is usually thecase.

Debt Consolidation and Personal Finances: Learn the Truth!


An inability to manage credit, growing debt and bankruptcy are all major problems today. On an average day, over 8,000 people file bankruptcy in the United States alone.

UK Debt When Moving Abroad


The idea of moving abroad to escape debt seems to be more of a common practice these days. People with failed businesses or swamped in debt seem to think moving abroad will give them a fresh start, free from debt and allow them to build a new life.

Bankruptcy - The Easy Option?


Incredibly, since the changes in the bankruptcy law in April 2004, debtors are more likely to petition for their own bankruptcy rather than their creditors! You would think that most people who have been threatened with the prospect of being made Bankrupt would be riddled with fear of the possibility. It is more widely referred to as the "Big B" rather than the dreaded word itself.

Debt is The Master of Souls


Wholeness requires separation. In order for you to experience yourself as being whole, you spend most of your live experiencing being separated, trying to get back to wholeness.

Credit Repair - Understanding The Basics


What is Credit?Credit means that you are using someone else's money topay for things. It also means that you are making a promiseto repay the money to the person or company that loaned youthe money.

Craving For Financial Freedom


Have you ever felt trapped in a Rat Race and wished to retire quickly but rich?Have you ever felt that you are spending way too much time working with your boss at your office instead of with those you love? Your spouse, children, friends?Have you ever felt frustrated because you are so deep in debt that you think you won't be able to retire because as soon as you do, the money will stop coming and thus you won't be able to pay off your mortgages and credit card?Have you ever felt that you have no control over your life anymore in terms of time? Think about it: can you take a vacation just anytime whenever you want/ need it and as long as you want/ need it?Have you ever wished that you can work whenever you want and wherever you want?You are not the only one!Too many people are trapped in a Rat Race because they have to. There are too many bills to pay, and too many dreams to fulfill.

The Debt Free Lifestyle


Many people have been taught that you cannot get ahead without debt. We are also inundated with advertising telling us we can have anything we want.

More Resources

Finance:Debt Relief Articles from EzineArticles.com
04/06/2021 11:45 AM
When Bankruptcy Is Not An Option
Don't start planning for bankruptcy until you know that it is right for you. Bankruptcy is not always the best solution to debt problems when you have assets to lose; you earn too much money; or you committed fraud.
03/01/2021 09:11 AM
How to Quickly Crush Credit Card Debt (6 Best Ways)
Golden Financial Services reveals 6 expert credit card relief options to help Americans' achieve financial freedom before 2019 arrives or at least get on the right path. If you have high credit card balances in 2018, you need to prioritize paying them off and doing so in the quickest possible time-frame. The reason why is because credit card debt is at an all-time high in the United States right now, and if that's not enough reason, here's a few more statistics to fuel your desire to get out of debt. A. credit card debt, has reached $1.030 trillion and B. Interest rates have increased twice already in 2018 and another rate hike is right around the corner according to the CME FedWatch Tool.
02/08/2021 08:49 AM
Getting Rid of Your Debt Quickly... And What to Do When You're Free
A research estimates that every American owes over $7,000 on their credit cards alone, and the average overall debt loan per person is over $15,000. Moreover, every college graduate is already burdened by loans crossing $35,000 when they leave college. Do the stats surprise you? Most of you owe debt amounts worth thousands of dollar. And every month, you pay an interest over the money borrowed - interest that adds over time. So why not pay off all the debt as quickly as you can? Once debt free, you neither would have to pay any monthly payments nor any interest amount. Sounds tough? How're you going to pay off your loans? Difficult as it may be, if you're determined, you can take a good a control over your financial situation. We'll share some amazing tips with you that allow you to pay off your debt soon, and then we'll talk about what you should do once you're debt free.
01/29/2020 09:53 AM
The Law of Debt Relief
There is no magic bullet that will get you out of debt. There are, however, different paths that will get you there and they each have their pros and cons. Here, we'll walk you through your options and explain the costs for each of those choices. You'll be left with enough information to make a well informed decision for yourself.
10/29/2019 01:35 PM
How To Get Out of Debt Without Losing Time and Money
When you're serious about getting out of debt you will find the way out. We live in a world full of choices and chumps. It's hard to even think because you're stressed out over the amount of debt and afraid something really bad is about to happen. Do you need an avalanche, or snowball? What if there was a better way out?
08/01/2019 07:23 PM
How to Make a Payment Arrangement to Stop Wage Garnishment
What do you do when your employer hands you a notice that your wages are about to be garnished? Read on for professional tips to stop that wage garnishment and get on a payment plan. Better yet, get rid of it without making a single payment.
05/22/2019 10:31 AM
Tired of Overwhelming Bills? Stop Paying Them!
There is a way out of the burden of impossible debt. It's not easy. It's not quick. But it truly works. Knowing what you can achieve and what it will cost is the way to start. Learn how one person did just this.
05/21/2018 04:33 PM
A Fresh New Start
When I met my wife at 26 years of age, I was drowning in a sea of debt! I am now debt free and a multi-millionaire. See my personal story of moving from debt and strife in my marriage to being a millionaire by forty. Discover 4 "life saving" steps that helped me get a fresh new start! It is possible to get your head above water financially and start again. If it could happen for me it can happen for you too.
05/17/2018 03:44 PM
How to Find a Legitimate Federal Debt Relief Program
Government debt relief programs, do they exist? Are you wondering how to LEGALLY STOP PAYING a debt? The good news is that if you can't afford to pay at least minimum monthly payments in 2018 and 2019, you can legally stop paying on a debt and get it eliminated. Here you can learn what you need to know about federal debt relief, it does exist, however...
05/16/2018 09:44 AM
Debt Free Training Programs for the Unemployed, Would You Do It?
Talking with different people of all walks of life and ethnicity, one of the biggest regrets I run into is the amount of debt that is accumulated as they are learning their trade. I was in the same situation. I went to school two different times trying to learn a trade that I thought, coming out of high school, would be my ticket to success. Like many people it turned out way differently. I am so curious if others share this same type of story. Wouldn't it be great if there was debt free training programs that the unemployed go look into. Would you do it if the situation helped you be debt free?
10/25/2017 08:55 AM
Freedom Debt Relief Reviews - A Recap
Freedom Debt Relief reviews are important in order to separate the hype from the real deal. According to the ad on TV, you can reduce your debt by up to half making just one payment per month. The company states that it can help you get rid of your debt in two to four years without declaring bankruptcy or getting credit counseling. Rather, the company claims to negotiate with your creditor in order to lessen your owed amount.
10/02/2017 08:44 AM
Tips to Effectively Pay Off Your Debts
Most people face debts stemming from unsettled mortgages, personal loans and even credit cards. There are several ways to handle debt effectively including establishing a budget, laddering debts, transferring balances and seeking the consult of consumer credit counseling services. Read on to learn more on how to manage debts more effectively by adopting better financial solutions.
09/27/2017 09:40 AM
Dealing With Debt - Overcoming Your Problems
Debt steals your freedom; it's even more virulent than cancer. You must do everything humanly possible to get out of debt. Provides simplified approach to get out of debt.
07/10/2017 08:17 AM
If Someone Paid Off All the Debt on Your Credit Card, Instantly, How Would You React?
There are bigger debts and much more serious debts than financial debts on the irresponsible use of Credit Cards. Would you like your debt situation to be healed? When I read of the astonishing and astounding amounts of money being owed in these days by individuals and families it shocks me. Many years ago our English Master at Perth Academy taught us and told us never to get into debt. I did not know what he was meaning at that time but now I do know and remember and give thanks. If someone paid off all the debt on your credit card, freely, instantly and completely, how would you react? God wiped out the charges against us and cancelled the record of all the times we have disobeyed God's commandments. Jesus took our guilt in His own body and nailed it to the cross. For many of us that can be quite a long list.
03/31/2017 05:35 AM
Debt Recovery and the Trap Set by the Establishment
The majority of people are in debt to some extent and the main culprit seems to be overextending oneself along with the inability to repay. There is a feeling among the many debtors that they can and should have everything on offer irrespective of them being out of reach financially. Large sums of money that come their way are quickly absorbed and dwindled away on things they can easily do without.
03/19/2017 03:22 PM
Debt Is Economic Slavery
To be in debt and unable to find a way out is a recipe for panic and the disaster that drives victims to do crazy things. With unpaid bills, threats of legal proceedings and even loss of one's home, and so on, the scene is set for disaster. It's a severe crisis and ridding of the chains that dragged one into the mess is as complicated and difficult as almost anything faced in life.
03/01/2017 08:23 AM
Avoid Ever Falling Into Debt Ever Again by Being Obedient - Personally and Nationally
As a nation we are borrowing again, incurring further debt. Normally I have said something regarding debt and cash and money in November or December, but these months have passed suddenly, and you may be reading this, and still continuing to repay the debts you incurred some months ago. That is not an amusing situation. The United States of America is being confronted with massive debt and the United Kingdom is finding it extremely difficult to resolve this crucial and critical and crippling issue. Personal debt appears to be on the increase as well and that has its own catastrophic consequences, with stress and tension and battling. These truths could prevent you from running up unnecessary bills.
02/03/2017 12:09 PM
Making a Change
Discussing College debt and how its crippling the average 2016 college graduate. College debt is at a staggering rate, and continues to increase. Here are some possible solutions to lower the cost of student loan debt for the average college graduate.
12/27/2016 02:03 PM
Foreclosures And Short Sales - Important Tips
There is no need to say that you can't live without one thing: the roof over your head. The majority of people want their own home, especially if they have a family to take care of. Of course, you will need to do a lot of planning before buying a house as this decision can have a great impact on you and your family. Let's know more about it.
11/28/2016 11:16 AM
What Is Your Share of Government Debt?
It's that time of year where we review the impact of government debt on individual tax payers. It is important to remember who is on the hook for government's reckless spending binges.
10/17/2016 03:58 PM
What Filing For Bankruptcy Does to Your Credit Score
Contrary to popular belief and what the big banks and credit card companies tell you, filing bankruptcy improves credit. The reason is simple, when we eliminate the debt owed, essentially we're clearing out all the debt and when the debt is gone, the credit score goes up. Now, the actual filing of the bankruptcy case itself might cost a few points on the credit score, but it's usually offset by wiping out the debt.
05/23/2016 08:39 AM
3 Common Myths About Debt Relief
When we borrow money from the banks, we need to pay the money back in a given period of time and if we don't, our debt amount increases. Thus, people always try to find ways through which they can get relief from debt. There are lot of misconceptions and myths associated with debt relief. Here we will try to bust 3 of the common myths about debt relief.
05/05/2016 10:40 AM
Struggling With Debt?
During your lifetime you are more than likely to experience some form of debt. With student loans, mortgages, credit cards and financing your car, it is a real possibility that during some period of your life you will owe someone else money. Over the last 10 years it has become increasingly more common to borrow money. This is of no surprise as the cost of living has increased dramatically in this period.
03/23/2016 11:22 AM
Government Debt Relief Grants to Make Your Life Easier
Indebtedness or financial obligations are at the root of all troubles of many individuals across America, leading to crises in their life and depriving them of exercising the most of the significant necessities. Most of the individuals cannot access to the higher education, cannot pay medical bills, cannot pay mortgage bills, suffer credit card debt loans and conversely, elderly persons find themselves at risk for not being able to pay their bills. The single mothers are not too far from experiencing the same situations due to insufficient cash at hand.
03/15/2016 07:07 AM
Get Out of Debt With God's Help
There is nothing more debilitating than debt. It weighs down the mind and destroys the spirit if allowed to continue. People can even decide to commit suicide when the struggle to get out of the burden becomes too much.
02/03/2016 09:57 AM
Are State Debt Collection Laws Outdated?
A recent class action suit resulted in a large number of debt collectors paying a combined settlement of $59 million to the people of New York that were impacted by illegal debt collection practices. These tactics included freezing bank accounts and garnishing wages without the legal consent or right to do so. While this particular ruling is a step in the right direction when it comes to making sure debt collectors play by the rules, many states still need to update debt collection laws.
02/01/2016 03:27 PM
Time-Barred Debts: A Consequence of Statute of Limitations
The Statute of Limitation is a general rule of law that bars the pursuance of a legal claim before a court of law after the expiration of a stipulated period. Different causes of action in law have different statutory limitation periods, and also, these terms may vary depending on the jurisdiction within which a claim is instituted. Therefore, in relation to debts, the statute of limitations prescribes a time limit beyond which a creditor loses the right to sue a debtor for the payment of the sums owed.
12/17/2015 12:37 PM
5 Tips on Managing Your Finances to Stay Debt Free
Effective financial management is necessary for staying out of the red. But not everybody knows how to handle their money properly.
10/09/2015 09:02 AM
Use Emotional Intelligence to Get Out of Debt
Here's a life hack for getting out of debt; emotional intelligence. The difference between where you are today and financial freedom from debt requires a change of mind.
09/23/2015 01:44 PM
What Do People Find More Embarrassing? Credit Scores, Age, or Weight?
With the billions of dollars that the diet industry spends advertising to people of all ages, you may have thought that the answer to that question was easily weight. Well, you'd be wrong. A recent poll shows that people are more embarrassed about their credit score than either their age or weight (granted, age and weight come in a close second and third).
09/15/2015 09:38 AM
How to Answer a Summons For Credit Card Debt
When a stranger hands you court papers, it's important not to panic and get help immediately. Known as a collections lawsuit, being sued for unpaid credit card debt is scary, but time is a valuable asset here and you must act fast. Here are a few ways you can address the situation and make the most out of life's lemons.
08/21/2015 11:05 AM
Staying Out of Debt: 4 Easy Steps That Actually Work
Staying out of debt is not easy. But still, if you closely follow the steps given below, you will find yourself in a much better position financially:
08/04/2015 03:40 PM
The Federal Fair Debt Collection Practices Act: What You Should Know!
There's a deep emotional and psychological toll that dealing with constant calls, letters, and emails from debt collectors can take. Studies have found that most people are simply too frightened to answer these calls or even read debt collection letters. The reason for this is obvious: A large number of debt collectors tend to use scare tactics in order to collect a debt. However, you should know that you do have rights under the Federal Fair Debt Collection Practices Act.
05/26/2015 12:09 PM
How To Become An Efficient Debt Collector
Debt collectors are much sought after by many different kinds of businesses. You can become a debt collector and you can operate from office or from home. The most important incentives for a money collection business owner is finding debtors and obtaining customers.
05/26/2015 07:36 AM
Importance of Choosing the Right Debt Collection Agency
Debt collection is a difficult process to execute, but if done correctly, can help your business grow significantly and prevent it from bankruptcy. There are two basic ways to collect the overdue amount. First is, by making use of the in-house resources, i.e. employees working within the company. This is an affordable and lucrative option, but can be time-consuming sometimes. Second is, by hiring a debt collection agency to take care of the process, which can take away all your stress and anxiety. This is considered the most effective solution to track down delinquent customers and convincing them to pay back their arrears.
04/28/2015 08:29 AM
Take Control Of Your Debt To Manage Your Finances Better
Every person with even a little bit of debt has to learn how to manage their debt. If you have only a little bit of debt, you should make sure that it does not go out of control by paying up the relevant amount. On the other hand, if you have too much debt, then you must put more effort into paying them off.
04/20/2015 11:53 AM
4 Simple Debt Freedom Solutions
Debts can kill your business, destroy your marriage, and cause friendships to disappear. You don't need the stress and frustrations that come with owing credit cards, banks, and personal loans. Here are 4 Simple Debt Freedom Solutions.
03/13/2015 02:11 PM
How to Remain Debt-Free Forever
Financial liabilities can be very depressing. Debt can even ruin your whole life. These arrears can include household bills, credit card payments, hospitalization expenses, auto loans, and housing mortgage.
03/11/2015 02:38 PM
Debt - The Bane of a Happy Life
Getting into debt is far easier than getting out of it. That's really overstating the obvious but that's how people get into financial muddles and messes that can ruin lives leading to depression, disillusionment and even result in loss of life. So, getting into debt is a dangerous situation that otherwise mar a peaceful, happy and carefree life.
03/11/2015 02:36 PM
Know More About Debt Collection!
Debt collection is not a recent financial activity; it has been around for many centuries and dates far back to 3000 BC at the time of the ancient Sumer Civilization. It gives a kind of timeline to understanding how financial transactions were entered into or made during the earliest days of human civilization. In ancient civilizations, a debtor who was unable to repay a debt was forced into 'debt slavery' along with his family till the creditor received full payback through their physical labor.
02/26/2015 11:29 AM
Flexible Financing With Mezzanine Debt
Mezzanine debt offers several benefits including a greater amount of funding, longer terms, back-ended payments, and the ability to retain control over the company. However, a clear advantage of mezzanine debt is the flexibility it offers borrowers. Mezzanine can be customized to the specific capital need you may have.
02/23/2015 08:42 AM
Avoid Debt Through Practical Strategies
Smart consumers will always want to steer clear of unnecessary debt. However, this does not mean that you need to renounce necessities or things that you yearn for in this life. The key is to be realistic.
01/08/2015 11:07 AM
Eviction Help - Understanding Your Options And Rights To Remove An Eviction
Eviction Relief provides Eviction Help to tenants who can no longer rent. These programs are used to remove evictions from tenants screening reports and credit reports. Most tenants are unaware that programs exist to remove an eviction so that an evicted tenant can rent again.
12/31/2014 10:23 AM
Know More About Debt Collection
Chances are one in a million that most people don't know who or what a 'debt collector' is; well, at least one in a few thousands! When most economies faced recession and debts mounted, there were millions of people left with undervalued assets who faced hardships facing rising costs and tackling debts that had mounted. The introduction of 'plastic money' or Credit Cards created a huge marketplace even for people without the actual money to go out and shop for things without a care in the world.
12/17/2014 03:20 PM
Debt Recovery - A Matter of Concern These Days
Late payments and debt recovery are the biggest challenges that you have to face while running a business. In general, it is the process of getting back the owed money from a debtor. This recovery process is not an easy task as it involves complicated methods and strategies for getting back the due amount from the customers. In some cases, consumers start ignoring you by not responding to your phone calls, notices or messages. However these days many effective solutions have been come up that has enabled businesses to deal with their debtors in a competent way. As not everyone is a recovery expert, so one must take help from a professional debt recovering firm to resolve all their problems.
11/20/2014 09:07 AM
Bad Credit Has Become A Worry Of The Past
Having a bad credit or filing bankruptcy does not mean that you cannot buy a home. Bad credit does not refrain you from getting a home loan.
11/05/2014 02:20 PM
Home Refinancing and the HARP Program
If you need help lowering your monthly mortgage payments a HARP loan may be right for you. Learn if you qualify and the steps to applying for this type of loan. A HARP loan can help you avoid foreclosure and stay in your home.
10/29/2014 11:31 AM
Dealing With Guilt and Shame of Collections
Being the target of bill collectors and credit card collection calls is no easy task. Don't get caught up in the guilt, shame and fear that can bring on. Here's how to deal with the fear first.
10/22/2014 07:36 AM
Steps to Help You Get Out of Debt
You have taken the first step towards regaining your financial freedom by deciding that you are going to proactively work towards getting out of debt. There are numerous private and government agencies that provide professional help for debt management and consolidation.
09/03/2014 07:07 AM
3 Creative Ways You Can Improvise Financially While Dealing With Debt
Sometimes you have to get creative when it comes to dealing with debt. Traditional 'in the box' thinking doesn't always present the best options. Here are three that can get your creative juices flowing right now...


More Debt Relief Information:

Related Articles


Is Independence Overrated?
Happy Independence Day from The Money Motivator!If you don't celebrate "The 4th of July" like we do in the United States, today still presents you with an awesome opportunity to examine your independence.Independence means the quality or state of being dependent.
Credit Counseling or Bankruptcy: Which is Best for You?
People often get to a place where they simply can't pay their bills, especially in today's economy which is not particularly sympathetic toward the poor or even the middle class. Inflation has impacted nearly every facet of daily life including food, gas, rent, clothes, utility bills and more.
Fast Track Out of Debt
You go to the mail box and scan - a couple fliers (nah), your magazine subscription (yes!) and bills (groan). Every month the bills show up and as you sigh and take out your check book you wonder if you will ever be free.
Debt Validation: Do you have to pay ?
It happens all the time. Debt collectors try to collect on debts that consumers have no knowledge of or never owed in the first place.
Debt Handling Solutions
Sometimes debt can seem overwhelming. In those instances, or even before things get that far out of hand, get back to basics and try some of these debt handling solutions.
Start Small and Your Wealth Will Get Bigger
We've all heard the phrase, "You have to start somewhere." Nothing could be truer of creating wealth and prosperity in your life.
The Five Most Popular Questions About Bankruptcy
WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law, all actions against a debtor must ceaseonce bankruptcy documents are filed. Creditors cannot initiateor continue any lawsuits, wage garnishees, or even telephone callsdemanding payments.
Debt Problems? You Can Negotiate With Your Creditors
It is always possible to negotiate with creditors - even if they have already taken you to court to get a judgment or to garnish your wages.Getting a creditor to reduce your monthly payment helps and does provide short-term relief.
Hide That Car! Fighting the Repo Man
Vehicle repossession may appear justified in circumstances where a person is generally being irresponsible and otherwise able to meet this financial obligation. However, what about that hardworking guy or gal who paid their automobile note dutifully for three years, and missed one payment? Why should their car be repossessed?Basically, the lender owns your car until it is paid in full.
Reduce Your Debt With These 5 Tips
It's never pleasant to realize that you're in financial hot water, but pretending the situation doesn't exist is NEVER the way to deal with the problem. If you're having trouble meeting monthly payments, find yourself borrowing or using credit cards to meet daily expenses, or have one or more of your credit accounts turned over to a collection agency, it's time for you to get proactive and bring your debts back under control.
How To Get Out Of Debt
If you have found yourself in a position where you are in serious debt and cannot think of a way out of the situation, then take a few minutes to read these few tips. Some may seem obvious but do put them into practise as they will help.
Use A Debt Checklist To Examine Where You Are
A Debt Checklist allows you to look at items and areas of your financial life. You need toexamine these to gauge how you stand.
Bankruptcy: What You Need to Know
Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U.
Debt Elimination Is The Key to Financial Freedom
If you want financial freedom, the first thing that you will need to do is to get rid of your debts. After all, as long as you owe money, you can't consider yourself to be financially free.
Learn How to Get out of Debt
Debt is becoming number one problem in the United States Today. The average American family has at least $8,000 in credit card debt and most college students who just graduate from college have $3,000 to $5,000 credit card debt in their first year after college.
How to Deal with Bill Collectors
So you've screwed up. You're drowning in debt.
Reducing Debt Before Its Too Late - How to Avoid the Pitfalls of Creeping Debt
Reducing debt usually isn't a high priority for people until they have already gotten into trouble with overspending. Using a few basic guidelines, and debt calculations, can help you see when your debt load is getting into the danger zone.
New Bankruptcy Law Will Not Protect You from Identity Theft
Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy Abuse Prevention and Consumer Protection Act was designed to eliminate "bankruptcy of convenience." The perceived problem is that many compulsive gamblers, shoppers and drug users often run up huge debts on easily available credit cards with no intention of paying their bills.
New Bankruptcy Law - Where's the Consumer Protection?
On April 20, 2005, President Bush signed into law the Bankruptcy Abuse and Consumer Protection Act, a piece of sweeping legislation that brought about the most sweeping changes in personal bankruptcy law in the last quarter century. This bill, which takes effect in October 2005, passed with the overwhelming support of both parties of congress, claims, through its very name, to offer "consumer protection.
Life After Debt - Strategies for Dealing with Problem Debt
Honorably and ethically rid yourself of burdensome debts using the little known Negotiation Strategy, without having to experience the loss of control and privacy associated with filing for bankruptcy, consolidation, or credit counseling.The inability to reduce debt and saving money are the two biggest obstacles preventing Americans from living financially sound lives.