How To Easily Find A Quick Quality Bankruptcy Attorney To Represent

May 10, 2012 · Posted in Business · Comment 

Financial difficulties transpire to each of us. They can happen to the average Joe or to huge complete corporations that are easily capable of working into fiscal trouble, and hiring a smart bankruptcy attorney is the first necessary thing to do when your monetary issues and responsibilities become far to great to get a grip on.

Foremost, creditors (the citizens who you owe dollars to) are well known to making great use of unethical techniques such as heavy harassment to collect on your past due debts. Even worse, they rely on the debtor’s anxiety and ignorance to get them to do what they want even though there are far superior options than issuing a lawsuit against you.

Therefore, you ought to know and use the rights you have offered to you in order to protect yourself from these ruthless entities who resort to intimidation to get dollars out of you.

This is where a bankruptcy attorney comes in. He or she can aid you in renegotiating the terms of your past due debt while preventing creditors from bullying you further.

For example, you might not be informed that there are specific laws which guard consumers from creditors when they become unable to decide their debts. Laws such as the Fair Debt Collections apply Act (FDCPA)and Fair Credit Reporting Act (FCRA) specifically exist to safeguard your rights.

Without a bankruptcy attorney present, he or she cannot make clear to you the way these laws work out and how you can use them to your advantage.

One of the most prevalent options your legal counsel will advocate is to file a petition for bankruptcy. In a nutshell, this is a motion submitted through a court of law to declare that you are no longer able to pay your debts and need their intervention to reorganize the terms of your financial obligations.

You can apply for two distinct types of bankruptcies and an attorney can explain the specifics of each. However, here is a basic breakdown of Chapter 7 and 13 so that you recognize the necessary variations:

Chapter 7 involves the liquidation of your assets in order to repay whatever amount you owe to the creditors. They may file a motion to take what they call your “non-exempt assets” (anything other than your property and car) and put them up for sale. In other words, you risk the loss of assets if you choose to go this course.

Furthermore, the court may permit creditors to do a added thorough investigation if they find that you don’t have sufficient assets by searching into any property you may possibly have transferred to contacts or family in the past year. They may interpret this as an attempt to circumvent legal repercussions and may also take away these as well.

The stringent and nerve-racking nature of Chapter 7 frequently forces debtors to file for Chapter 13 instead, which is essentially a payment plan issued by government that involves deductions to your monthly pay check (i.e. this is NOT liquidation of assets). Not like Chapter 7 which takes about 4-6 months to process, Chapter 13 may take wherever between 3-5 years.

When searching around for a good bankruptcy attorney, you need a specific set of criteria to go by. For example, a prospective lawyer should be able to provide a set of references and give you a step-by-step breakdown of the entire process from start to finish.

Furthermore, he or she must show a proficient knowledge of the laws mentioned in this report along with other federal and state bankruptcy laws so that you have leverage against the lawsuit-happy creditors. Most importantly, he or she should be able to give you a clear idea of what their rate is and the actual fees concerned at some stage in the complete course.

recall, this is your name and long term on the line, so don’t be afraid to ask a possible bankruptcy attorney the hard questions. Getting out from under the debt rock is no laughing matter, and a good lawyer should be adept to address whatever concerns you have before determining to hire him or her.

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Is Filing Bankruptcy The Only Way Out Of Debt?

May 4, 2012 · Posted in Business · Comment 

The world is suffering financial havoc at present. While recession rages, price hike becomes far-reaching. Citizens are more financially hassled-as their expenses raise so as their financial obligations. You might just be one of them. You’re losing power over your finances. Aren’t you? How long can you hang on? Are you thinking of filing bankruptcy? Hold on a little longer. Read this article first prior to deciding.

When you file for bankruptcy, you legally declare your inability to pay your creditors. Apart from the relief that you think you could get from filing bankruptcy, you need to undergo the strenuous filing process. The government had amended the bankruptcy law in 2005. And since then filing for bankruptcy has never been easy.

Collective in the bankruptcy filing process is the appointment of a trustee over your non-exempt assets. The trustee who is appointed by the court itself has the discretion to sell your assets-all of your assets as in Chapter 7. Thus when you file for bankruptcy, you’re going to practically lose everything that you own. You have no ability to decide what to do with your assets. You will have to agree with the decision of the trustee.

Even if the government sees bankruptcy as a chance for people to have a ‘fresh start’, your filing will still be reflected in your credit record. Needless to say that filing for bankruptcy will injure your credit scores significantly. That’s not the end of it yet. Even if you declare bankruptcy you will still have to pay $3,000 to $5,000 for legal and filing fees.

Other than the remedy provided by the law, there are other options which you would like to reconsider. There are companies that offer debt consolidation and credit counseling. They can neither protect your assets when the court has decided on them already, nor can they elucidate your debt to disappear in thin air. But they can sit down with you and discuss what alternatives you have to avoid filing for bankruptcy. On a brighter note, these companies will neither seize nor control ownership over your assets. Contrary to what you might be thinking, these companies’ techniques are lawful. So you don’t have to worry about doing something illegitimate.

More and more agencies are offering these kinds of services today. And only few of them offer the quality of service you totally need to resolve your financial difficulties. You must carefully choose which company to work with. Your decision is the key to either solve or worsen your problem. Weigh your options well and never jeopardize your family’s future just because of a wrong alternative.

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How To Settle Credit Card Debt

April 30, 2012 · Posted in Education · Comment 

At first, learning how to settle credit card debt can appear daunting. You may not want to pay large monthly sums to a debt settlement firm, and neither would I! In reality all the average person needs to put him or her in a position to receive a great settlement offer is some expert guidance and not an expensive payment plan.

Before I start getting into the ins and outs of debt settlement, I want you to understand that debt settlement is usually not total financial freedom. Debt settlement can lighten the load of debt but sometimes is not the most desirable outcome. One thing that makes debt settlement less desirable is the high likelihood of being forced to pay 1099 imputed income tax. Basically this tax forces you to pay taxes on whatever amount was knocked off your original debt. This can be quite pricey.

If you decide that you want to go down the debt settlement path you need to learn a few more things to know how to settle credit card debt. Arguably the most important thing to understand is what motivates your creditor to offer settlements to other consumers. In most cases the creditor must feel that you are putting up a legitimate fight and know what you are talking about. Once the creditor feels this way they will often offer settlement agreements.

Some consumers try a little bit too hard to make themselves undesirable to collect on and send their creditors cease and desist letters. This is always a mistake. The only choice you then leave your creditor is to sue you. If your creditor feels that their only option for collections is to sue you will have slim chances of receiving a settlement offer.

Are you enjoying learning how to settle credit card debt? I sure hope so because learning how to settle your credit card debt can make a huge difference in your financial situation. But when you are actually offered a settlement, what is a reasonable amount to accept? In my experience you want to aim for at about 20% of your original amount. This may seem impossible but I have seen countless cases that end up with 5% or less of their original amount for a settlement!

I have one last word of advice for you that I gained in my years of teaching people how to settle credit card debt. Once you make yourself a hard enough target for collections, you can often negotiate to have your debt eliminate completely. When I say completely I mean no settlement whatsoever. Why am I telling you this, because I want you to get the best deal possible from your creditors? Don’t settle for anything less than you deserve!

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Keep Your Account Free Of Bank Fees

March 29, 2012 · Posted in Finance · Comment 

It is not uncommon for somebody to experience the stigma of the dreaded bounced check, but what many find worse than the shame are the plenitude of fees involved, including the overdraft fee and the bounced check fee levied by the bank. And this will also include a fee charged by the entity that had taken the check and accepted it. This is why we had written this quick and simple article — we want you to learn how to avoid these bounced checks and the associated fees. You want to be vigilant about the activities that happen in and within your checking account, meaning all cash coming in and going out.

Make sure you always update your register each time you perform any activity on your checking account, regardless of what it is. This would encompass a wide range of activities, which is not specifically limited to the following: cash withdraws made via ATM, checks written, payments made via usage of your account to settle bills or other expenses, debit card purchases, etc. Any time that you do any of these actions and do not have the proper amount within your checking account; it will result in your account being overdrawn.

In such an event, your bank might try to pay the amount owing even if your checking account does not quite hold the correct value required to successfully commence payment. If the bank would opt for this action, then the fee charged in exchange for overdrawing your account would be what is termed as an overdraft fee. Now you may also be assessed what, in informal parlance, is an example of a “double whammy” — two charges for one shortcoming — and that would be a return check fee from both the bank and the institution you are dealing with, as the bank returns the check to you marked NSF, an acronym for No Sufficient Funds.

Avoiding the fees, as you may surmise, can be achieved by being meticulous with your register — consistency is key, and every single action made thereof, may it be a purchase, withdrawal or the assessment of a fee, must have the requisite documentation. Ensure that your register is perfectly balanced, as you would want to have a real-time log of what you have available and what is not yet available heretofore. In addition, you should also ensure that all online payments and direct debit payments are accounted for, especially when this is concerning utility bills or other related expenses. Each time you receive your statements in the mail, make sure they are balanced and checked against your register. This allows you to ascertain whether checks have cleared or have yet to clear the bank.

Since everybody makes mistakes from time to time, an error must be mitigated immediately by depositing the correct amount of funds as soon as you could to avoid being levied with any additional fees. You could also set up your own “contingency plan” against fees by linking a savings account to your checking account so that funds can be drawn from there in case of such a financial faux pas. Another contingency plan would be to apply for credit with your bank so you can create an overdraft limit; this simple strategy would allow the bank to lend you money in order for you to avoid being overdrawn or your check being bounced.

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Home Equity Loans – Things To Keep In Mind Before Applying

March 27, 2012 · Posted in Finance · Comment 

Advantages of Home Equity Loans

The primary advantage of a home equity loan is the fact that you can use it in any way you please or in any way that is required of you — you can use it for emergency purposes, to settle debts, go on vacation, pay off a student loan, etc.

Compared to credit card rates or standard consumer loans, the interest rates on home equity loans are generally lower. In addition, home equity loan interest rates are quite advantageous because these loans are tax deductible up to either $100,000 or the value of equity in your home heretofore, whichever would be less. (Fact – A percentage is used to determine the tax-deductible amount.)

Home equity loans allow you a great degree of flexibility, as you could choose when you are to be using the money, and you can also choose when the principal amount is to be repaid.

Home Equity Loans – the Cons

You may risk losing your home with a home equity loan if you can’t repay or refinance the loan, since your home is the collateral for the home equity loan, similar to an additional mortgage on your home. Usually, foreclosures are held within 60 to 90 days of a payment that is missed or delayed.

For people experiencing career changes, home equity loan can also been an advantage, putting your home at risk. In the event your home’s value would fall, then the chances of owing more debt on your property than its true worth are quite formidable.

Home equity loan interest rate is dependent on the change in economy, causing your monthly payments to rise or fall. Make sure you are aware of the home equity loan interest rate cap, or the maximum interest the lender would charge you over a span of one year, or over the complete life of loan, or LOL.

In addition, home equity loan lenders can charge any number of fees, which include, but are not limited to application, origination, and withdrawal fees.

Quick Pointers for People Interested in Applying for Home Equity Loans

Home equity loans would be the ideal option for anybody who wants long-term benefits generated from a lump sum.

For those who want short-term rather than long-term benefits, the better type of credit to apply for would be a home equity line of credit.

Consider the long-term consequences if it is your intent to use a home equity loan for debt consolidation purposes.

Ascertain whether your needs would be met by a home equity loan of any type, and always weigh the pros versus the cons before deciding.

Compare interest rates, fees, repayment conditions, loan amount, and additional costs between several lenders.

Read all the fine print

If offered a credit card so you can easily access your credit card, don’t take it — this makes it a little too convenient to use your loan.

Make sure your schedule of repayment is strategic, and don’t settle for paying the mere minimum when you can afford more than that.

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In the economic downturn, the debt collection industry has gotten more and more aggressive.

March 15, 2012 · Posted in Finance · Comment 

How would you react if your wages were garnished to pay a debt that is not your liability? This unfortunate scenario happened two times to a New Mexico woman who had no connection to the Target Bank account or to the collectors employed by Target. Because the debt buying industry has grown in leaps and bounds since the 1980′s, cases like this are becoming more and more common. Now the combination of technology and large debt buyer firms has created a profitable industry that also holds the record for highest industry complaints logged with the Federal Trade Commission. The government does not have the resources to respond to all the complaints it receives but luckily there are consumer protection statutes in the Fair Debt Collection Practices Act that can help consumers fight back against collection bullies.

Some debt collectors phoned Lucinda Yazzie, subjecting her to the unpleasant experience of hearing them claim that her Target card was carrying a late balance. The creditors were informed by her, that the debt did not belong to her and that another person in area shared her name. Even though the debt collection agency had been informed, the representative followed up with a garnishment order. The garnishment was dropped and her employer argued that this was not the same employee. Yazzie had another garnishment order against her two years later when the same debt collection firm filed suit again. The order was not lifted until the point in time when she filed a lawsuit of her own for violations against the FDCPA rules and guidelines.

By the time everything was over, she had been awarded $1,260,000 in the settlement of her lawsuit. A very large award for this type of case. Lucina Yazzie held the collectors accountable; however many people will not take action against an industry with plenty of money and comprised of motivated operators that are always pushed to their max on very noisy boiler room floors.

The Savings and Loan crisis of the 80′s gave rise to the 3rd party collection and debt buying industry. After the finished with the Savings and Loan assets, the debt buying and collection industry soon became known by insiders as the “Adjustable Receivables Management” industry. Now they have branched out into credit card and other consumer debts.

Debt buyers and collectors grew at a slow but steady pace until the Recession hit strongly in 2008 at which time analysts predicted an increase in business as well as complaints for the debt collection industry. In 2007, there were around 100,000 complaints as predicted earlier. Annual instances rose to 130,000 in 2009. Several factors influencing the rise in complaints include aggressive tactics that ignore legal boundaries, technology to increase calls to consumers and the increasing use of local courts to sue for delinquent credit card debts.

Creditors are required to hire collection agencies with a qualified attorney in the same state as the one who owes the debt, however the empty threat of “legal action” is a favorite among bill collectors. If the collector doesn’t have the immediate means and intentions to take legal action on a debt, this could be a violation of the Fair Debt Collection Practices Act.

Research has shown that respondents who appear before the court for their creditor lawsuits are much more likely to have their cases dropped than those who did not. If sued by a creditor the most important thing a consumer can do is to respond through the court system within the time allowed even if the debt is not theirs, the study shows.

The courts are rejecting the legal actions of a lot of creditors, which shows that they are often unable to follow through with their threats. But this is a business that has a 58% increase of profits in the year 2010. Being aggressive can pay off even if the laws aren’t always followed.

Because of the high volume of complaints the Federal Trade Commission urges consumers to use the protection provisions in the Fair Debt Collection Practices Act to defend themselves against non-compliant debt collectors. In much a similar scenario to the intensely partisan legislative scene that exists today, the FDCPA barely passed after a tenuous debate, and was enacted in 1977. However Congress ultimately realized that there was a need to protect people from all parts of society against abusive debt collection practices that were also rampant in the Seventies. The need still exists today.

In an Article on money by CNN the owner of a debt collection company notes that “Debt doesn’t go away as fast as it used to”. Debt is now a fact of life and a burden to manage for many Americans. It’s a good thing Certified Debt Specialists know just how to talk with bill collectors. They have all gone through extensive training in order to familiarize themselves with every possible situation. More and more creditors realize the requirement for a specialist that is certified and has the latest technology to help negotiate with large well funded debt collection companies that continue to grow.

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Facts About Debt Consolidation

March 14, 2012 · Posted in Finance · Comment 

The world’s economic state is getting worse causing many people to suffer from debts. More and more people are searching for ways to get back their good financial status. In most cases people become burdened with debts because of relying too much on credit cards. When a person suffers from debt, the most sought out solution is to file for bankruptcy. Generally, people who file for bankruptcy are left being flat broke and depressed.

There are various ways to solve indebtedness. And one of these solutions is debt consolidation. Generally, debt consolidation enables you to avail of lower interest rates. If you seek this alternative, you need to make a loan so that you can pay off many other loans in one single payment. Your loans however, should be secured through your properties such as vehicles, land, houses, and other valuable assets-as collateral. The main goal of this alternative is to simplify the process of paying monthly bills, reduce the total interest rates of the debt, and reduce the overall monthly debt payments.

Not all debt consolidation programs are effective. Numerous companies offer this alternative to overburdened debtors. However, choosing the right consolidation program is vital, as these companies claim to have the most effective debt consolidation programs which according to them guarantee the best results.

So what is the best way to find a company that you can count on? You can visit local credit companies and ask for referrals from them. They usually have a list of the best companies who offers debt help services. You can also search online for debt help programs or through phonebooks. You need to compare the prices and programs that each company offers and select the one that has the best deal.

When choosing a debt help company you must also look at the company’s reputation. Be sure that they have gained good reviews from other people who have tried their services. A good company that offers debt relief assistance is one who allows their clients to discuss matters about financial issues, and does not take control of the decision making process. After all it is your assets that will be at risk if the decision is wrong.

When consolidating your debts, we suggest you compute the total expenses you need to spend for the whole process. This is one way to know if debt consolidation is the best way out of your debt problems. You also need to know the cost of your consolidator’s services, and the total amount you need to pay for your creditors. One thing you need to check is if your creditors have payment security insurance. If they have, we suggest you choose another debt relief option rather than debt consolidation because the total cost you will be spending for the consolidation process will be very expensive.

Some people prefer other debt remedies, in as much as debt consolidation can decrease your credit score. At some point, this is true. All loans and transactions made through banks will be listed on credit reports which can make a negative impact to potential lenders. Debt consolidation is a manifestation that one can’t manage his or her finances. You should closely monitor all the accounts that are consolidated to make sure that credit scores will not suffer dramatically.

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Which Debt Management Company Should You Choose?

February 22, 2012 · Posted in Finance · Comment 

Let’s say you have a deep sea of debts and need a company that specializes in debt management to assist. Below are a few recommendations on engaging such companies. Being cautious all the time in your selection process with any agency that deals with your finances and other personal information is a must. If you select one that either cannot truly meet your needs or is dishonest, you will in the end face larger problems than those with which you started the process.

Company Reputation

Running a background check on the company that you plan to engage in would be critical. Try to speak with references as well as read through online (or offline) reviews and evaluate their portfolio of work. You should deal with one that has verifiable references because such agencies are mushrooming around the world including the Internet. What you can do is talk to those who have worked with the company and used their services before you actually commit to any obligations with them.

When it Come to the Panel of Experts

When it comes to legitimate financial agencies, they should all let you know the educational background and the business experiences of their expert panel. They will, in fact, proudly display them and their resumes on their web page. These credentials and experience summaries should then be carefully read. Being able to work with experts who actually know how to solve your debt problems is what you do. You can be more comfortable that you are likely in good hands if ever you find one demonstrating expertise.

Company Track Record

Any ideas on how long the company has been in business? Do they have clients who publicly (and with contact information) endorse them? Helping you to gauge their track record are these types of questions. Since it is their job to assist with the management of debt, a lengthy track record of successful client dealings is essential for a debt management company to have as part of their history. You need to avoid upstart companies. This recommendation is simply a means of minimizing your risk and financial exposure but it does not, however, mean that the newer companies are dishonest or less capable.

What are the Right Services for You?

What the company should be able to do is help you with your set of financial priorities, taking into account your income, expenses, current financial obligations, standard of living, threshold of “financial pain”, and other considerations important to you. If they do not – or cannot – move on.

Another thing that the company you choose should be able to do is help you in becoming debt free. A part of the corporate strategy for all their clients and their long-term financial freedom is what that should be as well.

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Do You Have Too Much Credit Card Debt This Year?

February 21, 2012 · Posted in Finance · Comment 

Are you an American citizen? Do you happen to be facing excessive credit card debt? If yes then you must be compelled to ask certain questions. For example; what are your rights in this regard? What can you do about it?

This is because most of America is being irresponsible with their money, and especially with their credit cards. You don’t realize it when you swipe that card at your favorite stores, but now that you have to pay it back it can cause a great deal of stress. So why not start looking for ways to get rid of that debt for good? Now is your chance, and that too with little worries.

The only catch to this program is the fact that your debt has to be unsecured. This means that there isn’t a debtor making sure your pay towards it. If there isn’t, then you’re home free! Your debt can be reduced or even erased through these debt programs.

There is no reason to feel bad if you have too much debt that you are not able to pay off. There are many people who are in the same situation as you are.

However, if you were in the first portion of the question, and you do have unsecured debt, then you’re entitled to getting help from the government and with debt relief. For more information on how to do this, simply contact your local finance office, or even your debtors, for ways and information on how to find out more about the program, and even how to sign up and apply for it. Call now because, the sooner the better.

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5 Reasons To Think Twice Before Owning A 0 Apr Credit Card

February 11, 2012 · Posted in Finance · Comment 

If you have received an offer recently for a 0 APR credit card, you may have been very tempted to send in the form signed and ready to go. After seeing the words “0 percent interest,” you may have wanted to jump at the chance to shop for six months with impunity. You may have also thought that this will answer all your bank loan or credit card debt and you will be able to consolidate your bills and pay one low price with no interest. And all of these things may be true. But before you blindly start spending with your new card, there are some serious consequences that you need to know about.

There is limited introductory period. The truth is, credit card companies who offer 0 APR cards cannot make any money off of you which is why this deal is not offered for very long. So most deals last for six months, nine months, or even up to a year. This means that 0 percent interest is what you will pay for this introductory period and no longer.

Having high interest rate. Most of the time, the interest rate charged for use of your new credit card will be higher than the average rate once the introductory period is over. It is usually anywhere from about 19 % to 20% interest and it’s also likely to have a higher rate on cash advances and other transactions.

There is penalty for late payments. During the introductory period, if you pay your bill late or forget to pay it altogether, then your interest rate will go up immediately to a penalty rate. On your entire balance, this could be as high as twenty to twenty-four percent.

There is limited application of 0 APR. Some cards offer the 0 percent interest on all purchases made in the introductory period as well as on all balance transfers during this time. Don’t forget to read the fine print because there are only some who offer the 0 APR on balance transfers and they also charge a high rate on purchases.

How about tricky conversation period? When the time to from 0 APR to your regular interest rate comes, then it’s likely you may be charged on unpaid balances from purchases during the introductory period.

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Legal Debt Elimination

February 4, 2012 · Posted in Mortgages · Comment 

Ever more frequently, do we learn of legal debt elimination being a way of identifying reputable plans and companies from frauds. Using the troublesome financial obligations which pester the lifestyle of modern-day guy, deceptive plans have grown popular, leading individuals to feel that they may wipe away every thing they’ve overspent in advance with some legitimate technique or possibly a little bit of paperwork. And unaware, anxious individuals fall in to traps of evidently legal debt elimination, and pay $2,000 fees or more for a few top secret tactic to remove financial debt.

This can be the frequent strategy of frauds. A lot more than once the government bodies have cautioned against the loss of legal support for debt elimination. If you have taken a financial loan and employed the money, an individual needs to pay out the money back. And the federal government doesn’t deal with individual costs, no matter the situation. The one kind of legal debt elimination is by means of settlement and negotiation techniques. You’ll find legit businesses which do indeed provide this kind of providers.

They mostly emphasis on teaching the personal to have in control of individual finances. This kind of a legal debt elimination company might work out together with the loan company on their client’s behalf, probably acquiring a lower month-to-month settlement. The company can pay the client’s entire debt to your loan company, and get a discount. Then, these are in a position to offer better rates to your consumer, lowering the stress within the spending budget.

Everyone could take care of your individual price range on your own, using a little bit of commitment, good will and energy. For just a while, you may be below the impact that the economic downturn has indeed struck your family, but as soon as you observe that you help to make financial savings and that the financial debt will get lesser, you really see final results and really feel like you’re finding better to restoring control over your life. Then, you do not need to fret about legal debt elimination, but about trying to keep track of bills and prioritizing.

All kinds of legal debt elimination details is obtainable from various sources. A lot of people search on the web, however the Internet isn’t your only answer. Bear in mind that with on the web sources, on the whole, you have to examine the dependability of the details. You may communicate to your loan company to determine with regards to consolidation or another alternatives they’ve got offered for you personally to reduce the strain within the month-to-month spending budget and steer clear of getting late with payments and expenses.

If you could take it easy the price range just a little, financial savings turn out to be possible and default on loans no more seems so menacing.

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Can You Identify Credit Card Scams

February 1, 2012 · Posted in Finance · Comment 

You may see ads that claim that your bad credit can be quickly and easily fixed and these ads can be seen online, on TV, or in the newspaper. Falling prey to these scam artists should be avoided.

Steer clear from companies that tell you that only the credit-repair company can remove old or inaccurate information or truthful information can be changed or erased to improve your credit. These claims are false.

You should be wary if ever if you are asked for a large sum of money before the credit-repair company completes the job. With just a money-back guarantee, you will not be protected from a disreputable company.

You should avoid new credit identities.

Filing for bankruptcy means that there is a chance for you to be the target of a credit-repair scheme called “file segregation.” Here, you are promised a chance to hide unfavorable credit information by establishing a new credit identity.

There is one problem, and that’s file segregation is illegal. You could face fines or imprisonment if you use it.

What are other scams?

Often, targets of other credit-related scams are consumers who are looking for an easy fix.

Credit by phone. For credit card scams, pay-per-call or 900-number services have become a popular vehicle. Only a phone call away are “guaranteed” cash or credit loans as promised by advertisements. However, what the caller might only get aside from a phone charge or $50 or more is a list of banks that offer low-interest credit cards or a booklet on how to establish credit. Consumers rarely end up getting credit.

Facts about gold or platinum cards. You should be careful when it comes to promotions for gold or platinum cards that promise to get you credit and build your rating. There are cards that will only permit you to buy merchandise from special catalogs and will not help you obtain other credit although they may sound like all-purpose credit cards. You also might be asked to call a 900 or 976 exchange number for more information. These phone charges add up quickly.

What about the checking-account scam? This scam typically begins with a postcard advertising easy credit approval or low-interest credit card rates which tricks you into disclosing your checking-account number. When you call, your checking-account number is what you are asked to give as verification. Your number can then be magnetically encoded on a draft which is then forwarded to your unsuspecting bank for payment from your account.

File a consumer complaint with the Attorney General’s Office online if you suspect a credit-repair scam or you can call the Consumer Protection Hotline at 1-800-392-8222.

Unless you know the company is reputable, then you should never give out your bank account or credit-card number. Avoid being a victim of these credit card repair scams.

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More Tax Resolution Amenities

January 31, 2012 · Posted in Taxes · Comment 

Clients who have an association with Horizon Debt Group LLC. receive an excellent tax resolution services. We have established a great and lasting relationship with our clientele. Through in depth analysis to ensure proper discovery of their issues, we give professional advice to each and every client who are facing financial burdens and this relationship of ours play a vital role in our mission. We have a preferred partner, Pinnacle Tax Advisors. Their continuing support has allowed us to offer streamlined tax relief help to those that require our services. Horizon Debt Group LLC has been providing clients with a free tax hardship analysis when other companies may charge a fee for this service.

We take the time to assess your individual circumstances because there is no one quick fix for debt resolution. People see TV ads which give the impression that they can dicker with IRS when the reality is that they can take everything they have. With so many tax rip-offs out there from big organizations spending millions to publicize making assurances to wipe out your tax debt but not before paying enormous fees up front to then discover that the IRS has rejected the offer. These corporations main objective is to setup huge call centers to enroll as many people as possible. As opposed to giving each and every client their personalized individual attention focusing on their budget.

Working hand in hand with our clients, our professional staff is able to enable them to add more money to their budget, and guide them through any financial hurdles. You will be able to verify our A rating through provided links how other clients have rated us and reviewed our tax team with the Better Business Bureau.

A lot of American taxpayers fail to make the mid April deadline to file their income tax returns. Thus, the back taxes start piling up, and you end up paying out even more money in penalties and fees, and all of that is in addition to the original taxes that are still owed. A lot of people will file extensions, but they are still obligated to pay the penalties that accrue for filing at a later time. Failing to file taxes is not the same as refusing to pay bills; it is a criminal act punishable by jail time and a fine of $10000 for every year you did not file taxes. The worst thing you can do is to keep drawing the issue out because owing back taxes is taken very seriously by the IRS.

The current tough financial times may have cause some people to neglect their responsibilities of filing and paying their taxes. Relief is available in these situations.

The dawn of 2012 gives you a chance to put that behind you, and start fresh. You can solve your back tax problems, but you must act now. For a free extensive tax hardship analysis, please reach Horizon Debt Group LLC.

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When Getting A Debt Consolidation Loan?

January 31, 2012 · Posted in Finance · Comment 

Debt consolidation loans are not always the best option for people who are in debt despite of their popularity. Being in debt would also mean that it is not always very easy to get a debt consolidation loan. Not as easy as it is sometimes made out to be, anyway.

You are probably wondering why. Because if you’re in debt, then chances are you’ve already missed a few payments, right? In other words, your credit rating has already taken a few knocks, which will make it harder to get that debt consolidation loan.

But you have other options that don’t involve taking out a debt consolidation loan.

One option that you have is to get yourself a personal loan. Now, if your credit rating is damaged, then this won’t help much. But if it isn’t too bad, then you may be able to get an unsecured loan to help pay off your debt.

Being able to get a loan from a credit union could mean that you may be able to save some interest. But even if you get the loan from a bank, you’re going to be saving a lot of interest compared to what you’re probably paying your credit card companies.

Calling your credit card company and seeing if you can talk your way into better terms is an option that may be worth trying if your debt mainly consists of credit cards but don’t feel alone since this is the same for most people. It is likely for you to have some success with this so it is worth giving it a shot. Usually, the person you are talking will have permission to reduce rates as well. Why not give it a try?

Getting a home equity loan is another option that may help you if you are a home owner.

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Is Your Credit Bad?

January 23, 2012 · Posted in Finance · Comment 

You may not find out how bad your credit really is until you apply for a mortgage. Then you will quickly realize that the low interest rates everybody raves about these days, the rates that are a big part of the rising prices of real estate across America, don’t apply to everyone. If you want to be specific, well, they don’t apply to you! If you have bad credit, you are not going to receive the same low interest rates on your home loan that your neighbour with good credit will.

You might be asking why not. Here is the reason. If you have poor credit, then banks and other financial institutions would consider you to be a risky business partner. In order to lend you money, they have to insure themselves against the risk that you may default on payments. So they would offer you a higher interest rate. For you, though, it means higher monthly payments and that you can afford to borrow less money than if your credit was better.

If you don’t know yet if you are a credit risk or not, then why not find out? This is a very wise thing to do since it will affect the mortgage, interest rates on your credit card, and many more.

Checking your credit score

Financial institutions check your FICO score to know if you are a credit risk or not. The FICO is like a report card of your credit. Your FICO score is a three digit number ranging from 300-850. You actually have three separate FICO scores, one for each credit bureau – Equifax, Experian, and TransUnion. These may not show the same score, since not every creditor reports to all three credit bureaus.

This means you have to get all the 3 FICO scores to be sure. Study them carefully. You look at the total score, naturally, but you also want to scrutinize the details carefully. It’s possible that you had a check that wasn’t registered properly. Now this can have a great effect on your overall score.

If you do find any errors, you should contact the persons responsible and ask them to remedy the problems. If you are lucky, a couple of phone calls will make a real difference in your credit score!

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5 Ways To Establish Credit

January 20, 2012 · Posted in Finance · Comment 

If you’re new to the whole thing, you have to be smart about building good credit. There are so many people who get into credit who don’t event think about how it would affect their credit score and their credit in the future. Well here are 5 tips that you can use.

You should open a revolving credit account. This means applying for a credit card at a major credit company, such as Visa, MasterCard, or Discover. And when you get your card, use it. If you would normally pay cash for twenty dollars in groceries, use your credit card. Then, deposit the same amount into your checking account and write a check for the credit card company for the bill that you’ll get that month. You will establish a good payment history very quickly this way.

If you are given a high credit limit, use at least a third of the amount. Be aware that he ratio of credit used to your available credit is another aspect of credit score. So if you have six hundred dollars in credit limit at Visa, spend two hundred dollars and pay this off promptly.

Always pay your bills on time. If you pay your credit card bills every time you use your card, you won’t be likely to forget paying at the end of the month. You should keep from paying late. Late payments will show up on your credit report, and can affect your credit score.

Avoid applying for a lot of credit. When companies run your credit to see if you qualify for a credit card or a loan, this inquiry is recorded on your report for the next two years. These types of hard credit inquiries can lower your credit score. So pick what card you want and apply for it, then stop.

Finally, make sure you pay your other bills on time. Utility companies, landlords, and medical billing agencies often report your payment history to credit bureaus. Get in the habit of being prompt.

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Debt verification letters

January 19, 2012 · Posted in Education · Comment 

When requesting information on an account that is being collected on by your creditor or debt collector, you can send what is known as a debt verification letter. I do not usually recommend sending debt verification letters because they only require the creditor or debt collector to prove that they have your name and address. This information does not provide you protection or any valuable information.

Let me tell you why I don’t recommend the use of debt verification letters. Debt verification letters only require the creditor or debt collector to prove that they have your name and address, which has no relation to whether or not you owe them money. It also will not stop them from harassing you for payments. Because of this I recommend looking into the use of debt validation letters.

Many people are confused by the difference between debt validation letters and debt verification letters. Trust me, the difference is huge. Sending a debt verification letter will provide no protection and gets you nowhere while sending a debt validation letter can in some cases eliminate all collection attempts immediately.

The bottom line is that sending debt verification letters will get you nowhere. You leave yourself open to continued harassment and collection efforts. However, by sending debt validation letters, it is likely that all collection efforts will be stopped or seriously delayed.

The use of debt validation letters can be extremely effective when dealing with third party debt collectors. Third party debt collectors are rarely known to play by the rules. They are often trying to collect on debts that the original creditor has sold them. These debts are already legally paid and if you force the third party debt collector to validate their collection efforts, they will often be stopped immediately. Do yourself a favor and send your third party debt collector a validation letter today.

The harassment and intimidation by third party debt collectors was commonplace in the credit card debt collection industry until the US government passed the FDCPA or Fair Debt Collection Practices Act. This act provides the legal backing to the use of debt validation letters and provides no support to debt verification letters. Though this Act provides a large amount of protection to consumers, the protection only comes into effect once a debt validation letter is sent.

Find out more about how to use a debt verification letter. Stop by www.debtvalidationletter.net where you will find out all about writing an amazing debt dispute letter and what it will do for you.

How Do I Test My Gold Jewelry?

January 17, 2012 · Posted in Business · Comment 

Getting cash for gold in this tough economy is a reality for a lot of people these days. But the most important thing that you should do is to make sure that your gold jewelry is real. You don’t want to get embarrassed, right. I simply did not have time to parade all over the city trying to have my jewelry appraised. I had fallen on hard times so I needed to sell my gold jewelry for a little extra money. I needed to be really be sure that my jewelry was real so I could have some idea of how much it was worth.

Have you ever heard of the magnet test? You won’t have to run to the hardware store for this test.

The simplest test that can be performed on jewelry is the quick and easy magnet test. But how does this test actually work? Here is the simple fact. Precious metals like gold, silver and platinum are not magnetic. But you need to realize that this test is not foolproof.

But where are you going to find a magnet for this test? Head to the kitchen. Why the kitchen, because you probably have some refrigerator magnets in there. This type of magnet should work great for most people. But if you have some of the cheap plastic type, they may not be strong enough.

See if you can find the Hallmark Stamp.

The hallmarking of jewelry has been around for centuries. Most of the time genuine gold jewelry will be marked with the karat stamp. For example, most jewelry is either 14K or 10K gold. Sometimes you will find 18K gold in men’s and women’s jewelry, but most of the time, that purity of gold is just to soft for jewelry. Look on the clasp of necklaces for the hallmark. If it’s there, then you probably have genuine gold.

These markings relate to the purity of the gold. 18K gold, for example is 75% gold. The percentage is determined by dividing 18 by 24. You divide by 24 because 24K gold is the purest form of this precious metal. Yep, it’s as simple as that.

Finding out where to sell gold jewelry for cash is very important if you want to get the most cash possible for your jewelry.

How to Avoid Bankruptcy

December 2, 2011 · Posted in Business · Comment 

You can prevent bankruptcy by consolidating your debt with the help of a loan or debt consolidation agency to reduce your monthly payments and quickly pay off your liability. But before signing final paperwork, you should develop a financial plan and research your options.

Goal Of Consolidation

The goal of consolidation is to lower your monthly payments so you can pay off your debt and avoid bankruptcy. However, consolidation only works if you make it part of a larger financial plan. You have to be committed to reducing your liability and saving for financial emergencies.

Once you have consolidated your loans, it is a good idea to build a financial cushion of six months worth of cash reserves. This ensures that you can pay cash for the inevitable financial emergency and not increase your credit load.

Your next goal should be to make extra payments. The sooner you can pay off your principal the less you will pay in interest payments.

Types Of Debt Consolidation Loans And Programs

The two types of debt consolidation loans are mortgage loans and personal loans. Mortgage loans are ideal since their interest is tax deductible. However, you need to be sure that you have enough equity to borrow against and that you can recoup the cost of up front fees.

The other option is to use a personal loan. Personal loans are based on your credit score and income. Personal loans typically have lower interest rates than credit cards, but are usually higher than mortgages rates.

Instead of a loan, you can also use a debt consolidation service. These companies will negotiate lower interest rates with your creditors. There are no fees involved since these companies are usually non profit. They also provide credit counseling, offering financial advice and guidance.

Debt Consolidation Providers

Depending on what type of loan or program you choose, debt consolidation providers are relatively easy to find. If you are planning to use your home equity, then you will want to search for a mortgage lender. Many lenders offer free quotes online for easy comparison.

Personal loan lenders also can be found online. As with any financing company, you need to research rates and terms to find the best deal. Requesting a quote from a lender does not lock you into a loan. Legitimate lenders will be more than willing to provide this information to help you make a wise financial choice.

You can also get connected with debt consolidation services online. Some directory sites will help you find an agency in your area or you can work with a national agency.

This article is about How To Prevent Bankruptcy, but we also have additional information about aes student loan; if interested, check it out.

About Credit Card Savings

December 2, 2011 · Posted in Finance · Comment 

It’s really good to have a credit card since you can go out without having to bring lots of cash. But with its advantages comes also its disadvantages. And since you don’t need cash to make purchases, you’ll be more tempted to buy, buy, and buy. If you have excellent control on your finances then good for you. But if you don’t really know how to manage your spending, then here are some pointers that can help you.

Organization Is Everything

First, get your credit card records so you’ll have a better idea of your expenses. Make sure it is accurate. For example, make sure that all the debts there are yours, and that your former and present addresses are correct.

Evaluate your credit card

Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. You should also take note of membership fees. Consider cancelling this if you are not using it frequently.

Pay on time

You really should make your payments on time. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.

Manage Your Debts Well

If you have more debts than you think you can handle, make plans on how you can reduce or repay it. You have to think of ways to be able to pay more than what is required so you can get a reduced payment schedule. Focus on the credit card that has the most expensive interest rate. Leave your credit card behind when you go around.

Make Sure You Can Handle What You’ve Got

You shouldn’t spend more than you can afford. Sure, a gold bracelet would look divine on your wrist, but it would also mean you have to pay for it for months. If you don’t want to spend more than you can afford, then don’t buy what is unnecessary.

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