Articles on Debt-relief
Bankruptcy: Who is to Blame? by Tim Gorman
If you are considering bankruptcy as a solution to your financial problems, you are not alone. Bankruptcy is on the rise in this country as consumer debt piles higher and higher. Some people blame the creditors, making it too easy for most consumers to obtain credit.
Assess Your Financial Attitude and Eliminate Your Debt Forever by Carmen Shearer
Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out...
Why You Should Get Out of Debt Today? by Carmen Shearer
These are 5 reasons for what you should get out of debt starting today. I'm sure it'll all make sense to you and will help you to get that final push to get yourself out of debt.
Taking The Plunge Into Bankruptcy by S. A. Baker
Bankruptcy is one of the most difficult things a person has to do. The decision to file bankruptcy is a hard one. Is it moral to wipe your slate clean through bankruptcy? Is there any way for you to avoid bankruptcy?
Bankruptcy Interest Increases as Deadline Approaches by Charles Essmeier
Bankruptcy attorneys report that inquiries are up dramatically as those with financial trouble ponder filing for bankruptcy before the new law takes effect.
Debt Consolidation Versus Debt Negotiation by Gary Gresham
Learn the difference between debt consolidation and debt negotiation for solving debt and credit problems.
Reduce Your Debt by John Mussi
Do you want to reduce your debt?
How to Become Debt Free by Noel Hynes
If the idea of being debt free appeals to you read on...
Yes to Less Debt by Carolyn Matheson
Many people are up to their eyes in debt and bury their heads in the sand. Mounting debt will not go away. Face your debts and find ways to deal with them, so you can reduce the stress in your life.
Mandatory Credit Counseling for Those Considering Bankruptcy by Charles Essmeier
The new Federal bankruptcy bill requires mandatory credit counseling for those considering filing for bankruptcy. What does this mean for those with problem debt?
Credit Card Debt Freedom is Possible by Joe Duchesne
Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.
Student Loans Can’t Be Swept Away Through Bankruptcy by Charles Essmeier
While bankruptcy can eliminate most debts, there are some that cannot be absolved. Student loans fall into that category...
Senate Passes New Bankruptcy Law by Randy Ray
Why the new law will make it harder to declare bankruptcy...
New Bankruptcy Legislation May Make it Harder to Find an Attorney by Charles Essmeier
Changes in bankruptcy law will make it harder to file for bankruptcy. They may also make it harder to find legal help.
Utah, the Nation’s Bankruptcy Capital by Charles Essmeier
Family-friendly Utah, with a diverse workforce and a historically strong work ethic, has the Nation’s highest bankruptcy rate. What’s the story?
How To Avoid Medical Collections by Steve Austin
Medical collections are costing doctors millions. Here are the secrets of why patients don’t always pay their bills, from a real-life deadbeat.
Bankruptcy Your Best Bet? by Alli Ross
Bankruptcy affects over 2 million people every year. However, there are often better alternatives to getting a financial fresh start.
What Does A Bankruptcy Trustee Do? by Tim S
Once you file bankruptcy, a court appointed bankruptcy trustee will oversee your case. The new law also requires that the bankruptcy petitioner to take a debtor education course and receive credit counseling from a U.S. Trustee approved non profit credit counseling agency.
New Bankruptcy Law Will Not Protect You from Identity Theft by Charles Essmeier
The new, stricter bankruptcy law recently passed by Congress does not protect you from debts incurred through theft of your identity. Here are some tips on how you can avoid this problem.
How Do You Spell Debt Relief? by Tim Gorman
Of all the problems possible in a marriage, finances cause the most marital discord. Many singles consider finances to be their most worrisome issue. Many times this is due to a heavy debt burden. Several options exist to help people get debt relief from their unsecured debts.
Do It Yourself Debt Relief by Tim Gorman
With mounting bills and unforeseen hardships, you may be considering some form of debt relief. There are many options to help you, but the best may actually be you helping yourself. Here are some suggestions for starting debt relief and becoming more solvent.
Questions to Ask a Credit Counseling Service about Debt Relief by Tim Gorman
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class family was 75%.
How to Choose a Debt Settlement Company by Alan Barnes
As consumer debt continues to spiral out of control, debt relief is fast becoming a major concern for many American’s. In 1999, American’s made $1.1 Trillion worth of credit card purchases. In 2001, American credit card debt hovered around $690 billion. Unfortunately, in today’s unstable economic conditions, many American’s are being forced to turn to credit cards as a way to extend their income. Consumer debt is at an all-time high and American’s need to know what they can do to get out of debt.
Future Secured? Oh Really? by Dorothy McLeod
A headline for a retirement annuities flyer declares "Future Secured!" Was your reaction like mine? Yea, sure!
Debt Settlement : What You Need To Know by Alan Barnes
Debt Settlement companies work with your creditors to help you reduce your unsecured debts though arbitration and negations. The important thing to realize about Debt Settlement is that it is a different type of program than Consumer Credit Counseling or Debt Reduction. Traditionally, these types of programs work with your creditors to lower your interest rates. Debt Settlement companies work with your creditors to reduce your credit card and unsecured debt balances, sometimes by as much as 40-60%! While this type of program can be quite effective, there are some major issues that must also be considered.
New Bankruptcy Law – Where’s the Consumer Protection? by Charles Essmeier
The title of the recently passed bankruptcy law promises consumer protection. In actuality, it offers little, if any, protection at all for consumers.
Different Ways Of Dealing With Debt by Dennis Cary
Bills, creditors, debt collectors. Are you yearning for the days when all you had to worry about was the money in your piggy bank? If so, you are far from alone. Whether its illness, loss of a job, or simple overspending, it happens to the best of us. But that doesn’t mean your financial situation needs to go from bad to worse.
Bankruptcy Reform: Designed to Protect Big Business by Suzanne Arthur
Bankruptcy reform supporters argue that debtors who are seeking relief through bankruptcy are either willfully gaming the nation's bankruptcy system, or they are extravagant squanderers who should pay at least a portion of their bills if they are able to. In fact, about half of the bankruptcy claims filed are attributed to medical costs. This false argument hides the truth in its shadow: Big business groups have lobbied heavily for years to elect politicians sympathetic to their cause and reform the bankruptcy system for their benefit...
Repair Bad Credit Yourself by Suzanne Arthur
In March 2005, the U.S. financial services industry succeeded in hammering the first nail in their plan to overhaul the nation's bankruptcy system. Repairing bad credit yourself, and avoid getting caught in the credit traps set purposely by the credit card companies...
New Bankruptcy Law – Targeting the Wrong People? by Charles Essmeier
The recently passed bankruptcy legislation was written to discourage the financially irresponsible from filing for bankruptcy out of convenience. It appears that this legislation may be both misguided and targeting the wrong people.
If you are considering bankruptcy as a solution to your financial problems, you are not alone. Bankruptcy is on the rise in this country as consumer debt piles higher and higher. Some people blame the creditors, making it too easy for most consumers to obtain credit.
Assess Your Financial Attitude and Eliminate Your Debt Forever by Carmen Shearer
Want to know if your attitude towards your finances is helping you or damaging your future? Take this Quiz and find out...
Why You Should Get Out of Debt Today? by Carmen Shearer
These are 5 reasons for what you should get out of debt starting today. I'm sure it'll all make sense to you and will help you to get that final push to get yourself out of debt.
Taking The Plunge Into Bankruptcy by S. A. Baker
Bankruptcy is one of the most difficult things a person has to do. The decision to file bankruptcy is a hard one. Is it moral to wipe your slate clean through bankruptcy? Is there any way for you to avoid bankruptcy?
Bankruptcy Interest Increases as Deadline Approaches by Charles Essmeier
Bankruptcy attorneys report that inquiries are up dramatically as those with financial trouble ponder filing for bankruptcy before the new law takes effect.
Debt Consolidation Versus Debt Negotiation by Gary Gresham
Learn the difference between debt consolidation and debt negotiation for solving debt and credit problems.
Reduce Your Debt by John Mussi
Do you want to reduce your debt?
How to Become Debt Free by Noel Hynes
If the idea of being debt free appeals to you read on...
Yes to Less Debt by Carolyn Matheson
Many people are up to their eyes in debt and bury their heads in the sand. Mounting debt will not go away. Face your debts and find ways to deal with them, so you can reduce the stress in your life.
Mandatory Credit Counseling for Those Considering Bankruptcy by Charles Essmeier
The new Federal bankruptcy bill requires mandatory credit counseling for those considering filing for bankruptcy. What does this mean for those with problem debt?
Credit Card Debt Freedom is Possible by Joe Duchesne
Credit card debt have you drowning financially? You're not alone. The average American household carries $9,205 in credit card debt, according to CardWeb, an online industry tracker. Not managed properly, this debt can come to eat up all of your disposable income leaving little or nothing for bare necessities. Some people in this situation respond by charging more but that will only get you further in trouble.
Student Loans Can’t Be Swept Away Through Bankruptcy by Charles Essmeier
While bankruptcy can eliminate most debts, there are some that cannot be absolved. Student loans fall into that category...
Senate Passes New Bankruptcy Law by Randy Ray
Why the new law will make it harder to declare bankruptcy...
New Bankruptcy Legislation May Make it Harder to Find an Attorney by Charles Essmeier
Changes in bankruptcy law will make it harder to file for bankruptcy. They may also make it harder to find legal help.
Utah, the Nation’s Bankruptcy Capital by Charles Essmeier
Family-friendly Utah, with a diverse workforce and a historically strong work ethic, has the Nation’s highest bankruptcy rate. What’s the story?
How To Avoid Medical Collections by Steve Austin
Medical collections are costing doctors millions. Here are the secrets of why patients don’t always pay their bills, from a real-life deadbeat.
Bankruptcy Your Best Bet? by Alli Ross
Bankruptcy affects over 2 million people every year. However, there are often better alternatives to getting a financial fresh start.
What Does A Bankruptcy Trustee Do? by Tim S
Once you file bankruptcy, a court appointed bankruptcy trustee will oversee your case. The new law also requires that the bankruptcy petitioner to take a debtor education course and receive credit counseling from a U.S. Trustee approved non profit credit counseling agency.
New Bankruptcy Law Will Not Protect You from Identity Theft by Charles Essmeier
The new, stricter bankruptcy law recently passed by Congress does not protect you from debts incurred through theft of your identity. Here are some tips on how you can avoid this problem.
How Do You Spell Debt Relief? by Tim Gorman
Of all the problems possible in a marriage, finances cause the most marital discord. Many singles consider finances to be their most worrisome issue. Many times this is due to a heavy debt burden. Several options exist to help people get debt relief from their unsecured debts.
Do It Yourself Debt Relief by Tim Gorman
With mounting bills and unforeseen hardships, you may be considering some form of debt relief. There are many options to help you, but the best may actually be you helping yourself. Here are some suggestions for starting debt relief and becoming more solvent.
Questions to Ask a Credit Counseling Service about Debt Relief by Tim Gorman
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989. In that same time period, the average credit card increase for a middle-class family was 75%.
How to Choose a Debt Settlement Company by Alan Barnes
As consumer debt continues to spiral out of control, debt relief is fast becoming a major concern for many American’s. In 1999, American’s made $1.1 Trillion worth of credit card purchases. In 2001, American credit card debt hovered around $690 billion. Unfortunately, in today’s unstable economic conditions, many American’s are being forced to turn to credit cards as a way to extend their income. Consumer debt is at an all-time high and American’s need to know what they can do to get out of debt.
Future Secured? Oh Really? by Dorothy McLeod
A headline for a retirement annuities flyer declares "Future Secured!" Was your reaction like mine? Yea, sure!
Debt Settlement : What You Need To Know by Alan Barnes
Debt Settlement companies work with your creditors to help you reduce your unsecured debts though arbitration and negations. The important thing to realize about Debt Settlement is that it is a different type of program than Consumer Credit Counseling or Debt Reduction. Traditionally, these types of programs work with your creditors to lower your interest rates. Debt Settlement companies work with your creditors to reduce your credit card and unsecured debt balances, sometimes by as much as 40-60%! While this type of program can be quite effective, there are some major issues that must also be considered.
New Bankruptcy Law – Where’s the Consumer Protection? by Charles Essmeier
The title of the recently passed bankruptcy law promises consumer protection. In actuality, it offers little, if any, protection at all for consumers.
Different Ways Of Dealing With Debt by Dennis Cary
Bills, creditors, debt collectors. Are you yearning for the days when all you had to worry about was the money in your piggy bank? If so, you are far from alone. Whether its illness, loss of a job, or simple overspending, it happens to the best of us. But that doesn’t mean your financial situation needs to go from bad to worse.
Bankruptcy Reform: Designed to Protect Big Business by Suzanne Arthur
Bankruptcy reform supporters argue that debtors who are seeking relief through bankruptcy are either willfully gaming the nation's bankruptcy system, or they are extravagant squanderers who should pay at least a portion of their bills if they are able to. In fact, about half of the bankruptcy claims filed are attributed to medical costs. This false argument hides the truth in its shadow: Big business groups have lobbied heavily for years to elect politicians sympathetic to their cause and reform the bankruptcy system for their benefit...
Repair Bad Credit Yourself by Suzanne Arthur
In March 2005, the U.S. financial services industry succeeded in hammering the first nail in their plan to overhaul the nation's bankruptcy system. Repairing bad credit yourself, and avoid getting caught in the credit traps set purposely by the credit card companies...
New Bankruptcy Law – Targeting the Wrong People? by Charles Essmeier
The recently passed bankruptcy legislation was written to discourage the financially irresponsible from filing for bankruptcy out of convenience. It appears that this legislation may be both misguided and targeting the wrong people.
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free credit reports
Credit Repair
Debt Consolidation
low-interest credit cards
Bill Consolidation
Avoiding Bankruptcy
GO TO RESOURCES
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