Debt Articles
81: You Won't Get Good Rates Without a Solid Credit Report
With more and more people in debt and missing payments on loans or defaulting on loans, lenders are becoming ever more wary about whom they loan money to. This has made credit scores and reports even more important. A poor credit report or score can all but shatter your chances of getting a loan from a prime institution with lower rates.
82: Settling Credit Card Debt: Choosing the Right Words
It is truly sad that more people are not aware that it is very possible to settle credit card debt personally without ever having to deal with a legal representative. If the credit companies that you owe money to decide to take legal action against you, they will charge you with their no doubt costly legal fees.
83: Protect Yourself From the Harassment of Creditors
The phone ringsand you are overcome with a feeling dread. Is it another creditor calling you again demanding payment?
84: The Link Between Bankruptcy & Identity Fraud
In todays electronic age, it is easy to learn of someones financial habits simply by searching bankruptcy records available online. While meant as a warning to potential creditors or business investors about a persons personal financial history, the open book of bankruptcy records also places individuals at risk for potential identity fraud.
85: 4 Easy Steps to a Better Financial Future
Financial planning can be complicated and frustrating. Just thinking about it is enough to make some people throw in the towel and head to the mall. If numbers make your head spin, here are four simple questions to help put your finances in perspective.
86: What to Ask a Credit Counseling Agency
If you have decided to seek help from a credit counseling agency, never presume that all agencies have your best interests at heart. There are agencies that disguise themselves as “non-profit” credit counseling organizations, when in fact they are conducting illegal operations. Remember, being called a non-profit agency does not guarantee the legitimacy of a company.
87: The Financial Door Swings Both Ways
Taking a proactive approach to paying off your credit card debt is like making a great investment decision. We would all love to find a stock or investment strategy that returned us 15-20% interest; well this is the type of savings you can achieve by paying down that credit debt.
88: Credit Card Debt: Having an Efficient Escape Plan
Understanding how to get into debt is a lot easier than automatically knowing how to get out of credit card debt. Something that not a lot of people really consider is how quickly credit cards can turn your financial status upside down and it can happen in a heartbeat if one is not careful enough. It is important to do as much research as possible in order to properly and efficiently know how to get out of credit card debt.
89: A Way to File For Personal Bankruptcy
Filing for personal bankruptcy means that you'll be protecting yourself from the creditors that you owe money to. Bankruptcy, however, is a radical way to achieve that protection. What bankruptcy does is take away your debt so that you can make a fresh start when it comes to your finances. If you're considering filing for bankruptcy there are certain things that you'll need to do so that it's done correctly.
90: Bankruptcy Databases Can be Helpful
Thousands of people seek bankruptcy relief each year. Even with the new bankruptcy laws in effect, the numbers dont seem to be decreasing. Bankruptcy attorneys may find themselves overwhelmed with clients seeking bankruptcy. The implementation of the PACER database just might make life a little easier for attorneys to file bankruptcy for their clients. Many courts now even allow attorneys to file bankruptcy on behalf of clients via PACER.
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