Debt and Debt Consolidation Articles
Bob Louder is The Official SelfGrowth.com Guide to "Debt and Debt Consolidation". You can find complete information on Bob Louder and his products by visiting www.good-steward.org.
Dealing with Debt and learning about Debt Consolidation can help people overcome the challenges associated with debt and how to go from debt and bankruptcy to wealth and prosperity.
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All articles written by an Official SelfGrowth.com Guide are denoted by three asterisks (***) at the beginning of the title.
- Filing for Bankruptcy under Chapter 11 - by Submitted on Oct 22, 2009 from JD KamatThere are many different types of Bankruptcy under Bankruptcy Law that are designed and structured to assist an individual or corporation that is financially burdened by debts in different ways. The most common types of bankruptcy are a Bankruptcy Chapter 7 and a Bankruptcy Chapter 13. A ...
Views: 13(1 vote)You must read the article to rate it. - The Meaning of Mortgage Loan Modification - by Submitted on Oct 21, 2009 from Krista ScruggsThe Meaning of Mortgage Loan Modification In this day and age many can't afford to make their mortgage payment. I personally know many who are in this situation. My answer for this is loan modification. A loan mod gets helps you make your house payment and helps the bank get their money back ...
Views: 14You must read the article to rate it. - The Effect of Credit Inquiries on a Credit Rating - by Submitted on Oct 15, 2009 from Krista ScruggsThe Effect of Credit Inquiries on a Credit Rating It is a well known fact that credit inquiries can have an adverse effect on a credit rating, but not all inquiries weigh equally. Moreover, some credit inquiries actually have no impact on the credit rating at all, while others have the potential ...
Views: 11(1 vote)You must read the article to rate it. - Remedies For Unsecured Creditors - Advice On How To Eliminate Unsecured Debt - by Submitted on Oct 12, 2009 from Keith GarrowWhile it is of course true that no debt is good debt, unsecured debts are distinctly preferable because there are more options open to you when it comes to getting rid of them. Finding remedies for unsecured creditors is not difficult, because there are two very well established approaches to ...
Views: 16(1 vote)You must read the article to rate it. - Negotiating Settlements With Creditors - How To Negotiate Debt Settlements - by Submitted on Oct 12, 2009 from Keith GarrowIt can be extremely stressful to be called at every hour of the day by creditors who want to be paid. The difficulty for most people in this situation is that they cannot afford to pay the creditors the money that is owed, but do not know how to make things any better. The best solution to this ...
Views: 23(5 votes)You must read the article to rate it. - Is Debt Consolidation Good - Should I consolidate My Debts Or Not? - by Submitted on Oct 12, 2009 from Keith GarrowDebt consolidation is generally understood to mean a process which leaves you having only one payment to make instead of lots of different debts. However, there is more than one way to achieve this, so a little explanation is required first, with regard to the possible alternative meanings of debt ...
Views: 17(1 vote)You must read the article to rate it. - Negotiating Credit Card Debt Yourself - Advice On Dealing With Credit Card Debt - by Submitted on Oct 12, 2009 from Keith GarrowIt is amazing how quickly credit cards can turn from being a wonderful way to get the things you need to being a terrible burden hanging around your neck. Credit card debt builds up gradually but can become a huge problem that can even lead to personal bankruptcy. Even if you can still afford the ...
Views: 14You must read the article to rate it. - How To Get Out Of Debt On Your Own: 3 Simple Tips To Be Debt Free Fast - by Submitted on Oct 10, 2009 from Michael LeeIf only debts could be whisked away with just a wave of your hand. Unfortunately, life is not a fairytale. You won’t always have a fairy godmother (or in most cases, your actual parents) to bail you out. Sooner or later, you’re going to have to learn how to get out of debt on your own. Now, ...
Views: 16(1 vote)You must read the article to rate it. - Can A Collection Agency Sue Me For Debt - How Do I Prevent Being Sued For Debt? - by Submitted on Oct 10, 2009 from Keith GarrowDebt collection agencies can sometimes be a bit over enthusiastic in their pursuit of an outstanding debt. It is not unheard of for a collector to threaten legal action just to scare you into paying up, rather than because they actually plan to take you to court. You can of course be sued for a ...
Views: 18(1 vote)You must read the article to rate it. - Here Are Some Tips To Pay Off Debt - by Submitted on Oct 07, 2009 from Rudy SilvaPlanning to make debt settlement? A Debt settlement system would be your way to have peace of mind. There are many important steps to follow when settling your credit. It is important for you to learn these methods to settle a credit problem. Read this article to help you start your debt ...
Views: 23(2 votes)You must read the article to rate it. - Money Making Tips- Necessary for Survival - by Submitted on Oct 01, 2009 from William BlackYou want money to earn bread and butter for your sustenance and survival in this world. For earning livelihood you need to choose a suitable ways for it. Technology has developed to great extents that have made the everyday life of people much faster. You can earn bad credit loans indulging your ...
Views: 27(2 votes)You must read the article to rate it. - Documents Required by Lenders in Order to Begin a Short Sale Transaction - by Submitted on Oct 01, 2009 from Owen McGab EnaohwoA Short Sale is a type of real estate transaction wherein a homeowner sells their property for less than what they owe the lender. For most lenders to consider a short sale, the homeowner must be experiencing a financial hardship and is unable to make their mortgage payments. Also, the mortgage ...
Views: 26(1 vote)You must read the article to rate it. - Bankruptcy - How To Succeed 2 - by Submitted on Sep 28, 2009 from peter radfordHistory: Continued Since such banking practices were common in Italy, it has been suggested that the Italian words banco rotto, or broken bank, represents the true meaning of the term bankruptcy. Alternatively, some derive the word from the French banque, or table. Finally, it has been ...
Views: 23(1 vote)You must read the article to rate it. - How debt attorneys can help me get out of debts? - by Submitted on Sep 25, 2009 from B GAt times it happens that you are not aware as to which would prove to be the right place of contact, and thereby falls into the wrong hands, where you are either cheated or charged with extra amounts, in that case your hunt might not give you proper results. It is a wise decision to contact an ...
Views: 42(5 votes)You must read the article to rate it. - How To Tackle Unpaid Medical Bills - by Submitted on Sep 21, 2009 from Jen MorealIf you are suffering from piles of unpaid medical bills, rest assured that there are ways to assist you in dealing with your medical debt. What you need to be aware of, is that if you have unpaid medical debt, this can, and will, affect your credit score, which may become vital if you need to ...
Views: 38(2 votes)You must read the article to rate it. - Stop a Tax Levy by Entering into an Installment Agreement - by Submitted on Sep 17, 2009 from Matt RobinsonSo you need to stop a tax levy? This is a difficult situation to be in. It means that you owe the IRS money, but have not decided to pay them or even attempt to do so. There are many ways to stop a tax levy which include bank levies, wage levies (often called wage garnishment) and so on. Some of ...
Views: 44(3 votes)You must read the article to rate it. - How to Come Up with Debt Modification Leads Online - by Submitted on Sep 16, 2009 from John PerryDebts are commonly heard of in society. It is only seemingly natural for a person to get into debts. The reasons for getting into debts are varied: some may be incurred through negligent mishandling of finances, while others are incurred through reasons that are beyond the control of the debtor. ...
Views: 30You must read the article to rate it. - IRS Uncollectible Status - Definition, Qualifications, Process and Usage Case - by Submitted on Sep 16, 2009 from Manuel Davis JrEver year the IRS puts many taxpayers into the “Uncollectible Status” category or classifies them "Currently Not Collectible" (CNC). What essentially this means, is that the IRS will not proactively seek back taxes from a taxpayer that owes because of validated economic hardship. If their ...
Views: 41You must read the article to rate it. - Successful Credit Card Settlement - How To Achieve A Successful Debt Settlement - by Submitted on Sep 15, 2009 from Keith GarrowCredit cards are a wonderful thing, but they can be a little too wonderful for many of us, when they make it all too easy to spend money we do not yet have. It is usually the cumulative effect of using several cards over a period of time that leads to the total debt gradually getting out of hand ...
Views: 38(3 votes)You must read the article to rate it. - Should I File Bankruptcy Or Is Debt Settlement A Better Alternative? - by Submitted on Sep 15, 2009 from Keith GarrowWhen personal debt reaches the kind of level where you just cannot see how you could ever be debt free again, many people think that bankruptcy is their only option. While bankruptcy is a way of ending a very serious debt situation in a relatively short period of time, it is an extremely serious ...
Views: 39(2 votes)You must read the article to rate it. - Debt free: Ask for help to solve your financial issues - by Submitted on Sep 15, 2009 from Vicky TalrejaThe debt free program is another quick and efficient alternate for debt solution which comes to you for your experience. Most of these programs are built up to fit into any type of debt without concerning the seriousness of it. When the borrower buy this debt policy it is required to attach all the ...
Views: 31(1 vote)You must read the article to rate it. - Bankruptcy - How To Succeed - by Submitted on Nov 05, 2009 from peter radfordOverview Bankruptcy may be defined as the legally declared inability of an individual or organisation to pay their creditors, who represent a third party which supplied, to the individual or organisation, a product or service for which they are legally entitled to receive full settlement. As ...
Views: 40(3 votes)You must read the article to rate it. - Best Debt Program - How To Find The Most Reputable Debt Management Companies - by Submitted on Sep 07, 2009 from Keith GarrowThere are thousands of companies offering debt programs in both the US and the UK, but how can you tell which ones are going to get the best results? More importantly, how can you make sure you avoid those companies that have no interest in getting you out of debt, but just want to sign you up for ...
Views: 40(2 votes)You must read the article to rate it. - Potent Tips For Debt Settlement - by Submitted on Sep 05, 2009 from Rudy SilvaDebt settlement is one good chance to prevent one’s self from being drowned in debts. Normally, Debt settlement firm headed by a lawyer facilitates the process. The firm offers debt solutions such as to settle debt. It is suitable for individuals who can make one time payment at reduced amount ...
Views: 28You must read the article to rate it. - Pay Plan Debt Management - Using A Pay Plan To Get Rid Of Serious Debt - by Submitted on Sep 04, 2009 from Keith GarrowThere are many possible ways to deal with debt problems, but one of the most common and most effective is through some sort of debt payment plan. These are properly known as debt management plans, but are essentially a structured way to pay just a set amount each month towards clearing your debts. ...
Views: 43(1 vote)You must read the article to rate it. - Debt Settlement Relief Companies - Are Debt Settlement Companies Safe? - by Submitted on Sep 04, 2009 from Keith GarrowDebt settlement relief is a process of reducing debts through negotiation, making it possible to clear the debts and become debt free. This is a specialist service offered by debt settlement companies who have trained and experienced negotiators working for them. Unfortunately, some people in ...
Views: 42(1 vote)You must read the article to rate it. - Just When You Thought Your Life Was the Worst... - by Submitted on Oct 29, 2009 from Shaun WuJohn was standing at the roof top of his 9th-storey apartment, slowing walking to the edge. He then looked down. He saw people walking around, cars zooming here and there. The first drop of tears, trickled down from his eyes. In his mind, he thought back. He felt his life was terrible, in fact ...
Views: 48You must read the article to rate it. - Think before you go for credit card settlement program - by Submitted on Sep 02, 2009 from B GNegotiating with creditors is a fine work of art where things appear very critical and oppressive at the very first instance, but surprisingly might gather wonderful results at the end. The only tools required are ample patience and keeping in touch with the creditors and a track of all the ...
Views: 32You must read the article to rate it. - Four chapters of bankruptcy - by Submitted on Sep 01, 2009 from JD KamatBankruptcy is meant to give you some relief from your debts and pave a way towards a better life. When a person declares bankruptcy he gets rid of all his debts. There have been many cases of bankruptcy that relate to different people and different circumstances. There are a number of chapters ...
Views: 37(2 votes)You must read the article to rate it. - Can I file bankruptcy again? - by Submitted on Oct 22, 2009 from JD KamatFinances dwindle throughout the life. It is likely that you face a situation in life where you have no money to pay back your loans. In such a situation, you can declare yourself bankrupt and file for bankruptcy. This was one instance. What if this situation arises again in your life? You would be ...
Views: 41(2 votes)You must read the article to rate it. - Become Your Own Rescuer - by Submitted on Aug 30, 2009 from Peggy McCollWhen life's challenges feel all-consuming, it's only natural to yearn for rescue. You might cross your fingers, wish on a star, focus your intent, and hope with all your might that someone or something will swoop in and fix all your problems. Typically, people will look to a romantic partner or ...
Views: 44(3 votes)You must read the article to rate it. - How Do I Consolidate My Debts If I Can't Afford The Monthly Payment? - by Submitted on Aug 28, 2009 from Keith GarrowDebt consolidation is a widely understood process which involves consolidating a lot of existing debts into a single monthly payment. In the UK, consolidation is generally understood to involve taking out a debt consolidation loan to pay off the old debts, but in the US the term means the same as ...
Views: 48(5 votes)You must read the article to rate it. - Debt Payment Plans - Advice And Tips For Using A Payment Plan To Get Out Of Debt - by Submitted on Aug 28, 2009 from Keith GarrowDebt payment plans are a way of consolidating your debts into an affordable monthly payment. They are generally known as debt management plans, and are a widespread and successful way of tackling debt in the US and in the UK. In this article I want to explain how debt payment plans work and point ...
Views: 50(2 votes)You must read the article to rate it. - Debt Reduction Plans - How To Improve Your Finances Using Debt Payment Plans - by Submitted on Aug 27, 2009 from Keith GarrowDebt reduction plans are very common in the US and in the UK. These well established arrangements are also known as debt management plans or debt payment programs and the process of using them is sometimes referred to as debt consolidation in the US. In this article I will explain exactly what ...
Views: 50(4 votes)You must read the article to rate it. - Debt Negotiation Advice - How To Use Debt Negotiation to Become Financially Free - by Submitted on Aug 25, 2009 from Keith GarrowDebt negotiation is an approach that is used every day to help people deal with serious debt problems. The main principle involves negotiating settlement agreements with your creditors to get them to significantly reduce the size of your debt in exchange for a prompt repayment, usually a lump sum. ...
Views: 50(2 votes)You must read the article to rate it. - Top Debt Settlement Companies - What To Look For When Selecting A Debt Settlement Company - by Submitted on Aug 19, 2009 from Keith GarrowWhen you owe lots of money and you decide you want to try to settle your debts, you naturally want to find the best debt settlement companies out there. This is a perfectly sensible approach, but can be easier said than done. Part of the problem is that that there are just so many debt settlement ...
Views: 45(1 vote)You must read the article to rate it. - Successful Credit Card Settlement - How To Write Off Debt Through Successful Negotiation - by Submitted on Aug 19, 2009 from Keith GarrowCredit card companies know exactly what they are doing when they make it so easy for us to get the things we want, even though we can not afford them. When money is tight it is all too simple to turn to our flexible friends for help. The problem creeps up slowly as the debt builds up, until the ...
Views: 59(1 vote)You must read the article to rate it. - How Do I Consolidate My Debts - Information And Advice About Debt Consolidation - by Submitted on Aug 19, 2009 from Keith GarrowDebt consolidation is a widespread method of tackling debt problems, and involves consolidating lots of different debts into one, lower monthly payment. There are two different approaches to debt consolidation, one of which involves taking out a new loan, and the other type which does not involve ...
Views: 54(1 vote)You must read the article to rate it. - Debt Payment Plans - Using Debt Management Plans To Get Rid Of Debt - by Submitted on Aug 19, 2009 from Keith GarrowDebt payment plans are known by various other names too, including debt management plans, debt payment programs and debt consolidation. These terms all means the same thing, which is a process of consolidating all your debts into a plan that leaves you with one monthly payment, which is lower than ...
Views: 48(1 vote)You must read the article to rate it. - What Assets Can Be Taken In Bankruptcy - Does Filing Bankruptcy Mean You Lose Everything? - by Submitted on Aug 13, 2009 from Keith GarrowBankruptcy is a drastic step, and one usually taken by people who feel they have no other alternative. When you are declared bankrupt you essentially lose control of all your assets. In the US there are certain modest personal exemption levels for different types of asset, intended just to cover ...
Views: 55(2 votes)You must read the article to rate it. - Reputable Debt Management Companies - How To Find The Best Debt Management Company - by Submitted on Aug 13, 2009 from Keith GarrowWhen you have serious debt problems and you turn to a debt management company for help, you really cannot afford to take chances. All too often people make the decision to deal with their debt problems once and for all, they sign up with a company, and a year or so down the line they find that ...
Views: 58(1 vote)You must read the article to rate it. - Letters To Write To Creditors - Advice About Negotiating Debt Settlements - by Submitted on Aug 13, 2009 from Keith GarrowWhen you are deep in debt and trying to find a way out of it, one option is to see if you can reach an agreement with your creditors yourself. This is a very positive step, and is certainly better than ignoring the situation and hoping that it might go away. If you are able to reach agreements ...
Views: 50(1 vote)You must read the article to rate it. - Getting Up Close and Personal with Your Credit Score - by Submitted on Aug 11, 2009 from Krista ScruggsDo you know what your credit score says about you? Undoubtedly you are quite familiar with the need for having a credit report devoid of bad notations, such as missed payments or repossessions, but how the scores are actually interpreted might not be as easily ascertainable as you thought. Credit ...
Views: 44(1 vote)You must read the article to rate it. - Negotiate Credit Card Settlement - Advice On How To Settle Your Credit Card Debts - by Submitted on Aug 11, 2009 from Keith GarrowWe all use credit cards and we probably all spend a bit more than we really ought to, but when finances are tight it is really easy to slip gradually into fairly serious debt. It gets to a point where it becomes a vicious circle as your card bills rise, leaving you less and less each month, ...
Views: 51(1 vote)You must read the article to rate it. - Can You Be Sued For Credit Card Debts? Not If You Negotiate Credit Card Settlement First - by Submitted on Aug 11, 2009 from Keith GarrowWhen credit card debts go unpaid, it is not at all unusual to be threatened with legal action. When this happens, it is reasonable enough to wonder if they really can sue you or whether this is just another ploy to scare you into paying back the money they are chasing. Debt collection agencies ...
Views: 38You must read the article to rate it. - Debt Problems and How To Deal With Them – A Debt Collectors Point of View - by Submitted on Aug 10, 2009 from Ashley AylingHaving been in the debt collection business for some years now it never ceases to amaze me how people deal with their debt problems. There seems to be 3 main methods of dealing with debt. 1. Ostrich Approach – Bury your head in the sand and the problems will disappear. 2. Worry Wart ...
Views: 78(4 votes)You must read the article to rate it. - Can A Collection Agency Sue For Debt – Strategies To Help Avoid Being Sued For Debt - by Submitted on Aug 07, 2009 from Keith GarrowHaving a debt collection agency phoning you up every hour of the day is bad enough, but being sued by them is something altogether more serious. In most cases, a collection agency will be chasing a debt on behalf of the company that the money is owed to. The debt is still owed to the original ...
Views: 59(1 vote)You must read the article to rate it. - Credit Card Act of 2009 - by Submitted on Aug 06, 2009 from Jack CravenThe Credit Card Act of 2009 is an amendment to the Truth In Lending Act (TILA) of 1968. The TILA is a federal law that is designed to protect consumers in transactions by requiring clear disclosure of key lending terms along with all associated costs in obtaining credit. The purpose of the ...
Views: 47(1 vote)You must read the article to rate it. - Manage Your Debts in a Smarter Way - by Submitted on Aug 06, 2009 from Vicky TalrejaDebt management program provide you services and advice that help you to manage your multiple debts and get rid off them. It is very easy to avail these services as there are various service providers available in the online and offline market. This program involves help from the professionals ...
Views: 52You must read the article to rate it. - Can You Manage Your Credit Well? - by Submitted on Aug 13, 2009 from Jason HolmesCredit cards have definitely made our lives easy. Anything that is eye catching soon becomes your property thanks to the tiny little card in your wallet. You want to buy grocery, you buy it on credit. You see a swell watch while you are out window shopping, you quickly swipe your credit card and ...
Views: 55(1 vote)You must read the article to rate it.
