Category: Debt Reduction

Services that help you to find freedom from financial distress. Articles about debt, real estate short sales, gov't loan reduction, other debt reduction.

Aug 29

Credit Card Debt Consolidation Loan

credit card debt consolidation loan
Should I get a consolidation loan debt to pay credit card debt?

So it all amounted to more than 4 credit cards I have about $ 9,000 worth of the debt. I have lucky enough to have never missed or been late in payment, but is quickly my balance reaching its limit when the active interest and I am in danger of over-writing on three of the four in the coming months. I simply do not have enough income to do more to pay the minimum payment each month, so in theory it will never drop balance. I've heard all kinds of negative things about loans debt consolidation but honestly I have other options at this time? Would it be as simple as entering my bank and try to get a loan for say $ 9000 for pay all out? There seems to be more than that. Looking forward to hearing from someone who knows more about it. My income is about $ 45,000 if that helps, thanks. . .

Yes, you can get a loan to pay off your credit card debt, but payment would go up. Cosolidating recommend to pay the debt. They can provide a lower interest rate that your cards so they do not racking up as much interest as you would in the cards. I am concerned however that you will not be able to afford the monthly loan payment consolidation. I think you should meet with a financial advisor (or anyone who knows how to budget) Set everything and see if there is anywhere that can reduce so that you bring together the money needed to make a higher monthly payment. Then, if you have the money to pay the debt, not to get into debt. Cut up your cards. Put them in the freezer. At least for a while.

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Aug 28

Debt Consolidation Refinance

debt consolidation refinance
Getting rid of debt?

I see tons of commercials to get rid of credit card debt by refinancing your mortgage or home loan. The problem is they do not own a car or home, work part time, and I am a full time student. Are there companies that make consolidation debt, etc for people like me?

There are debt consolidation companies that work with you, but I recommend their use. As a rule, are not doing anything you can not do on their own, and are charging that "Service." Here are some things you can do to make your debt to a manageable level. 1. Stop spend money on things that do not need. A large coffee a day is about $ 1.50 to $ 2.00, which is about $ 45 – $ 60 a month. The same goes for bottled water service cell phone, rent or buy videos, games, CDs, etc. .. Spend that extra money to pay for credit card with the highest interest. 2. Apart a little money each month to pay an additional important on a card that has the greatest interest. Even if it's only $ 5 is TONS better then only pay the minimum. As you reduce what you owe, the amount you pay in interest each month, will allowing you to pay off debt faster. 3. if you still is having trouble making payments for any reason, call the credit card companies. Tell them your situation. They prefer to work with You then send the bill to collections. There is much we can do, such as reducing interest rates, or allowing you to skip a month or two without penalty. Good luck.

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Aug 28

Debt Settlement

debt settlement
New rules for the resolution of business debt without charges for more advanced, better disclosure and bank accounts to guarantee payment in advertising payment of debt is almost irresistible overextended. They do sound almost painless process, and some even promise that government programs step on the debt.
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Aug 27

Bad Credit Debt Consolidation Loan

bad credit debt consolidation loan
I need a personal loan of $ 5,000.00, but my credit is bad, and does not have enough debt to make debt consolidation?

I combine my debt, but I have enough debt to qualify for debt consolidation program. please help

You'll have to find a way pay the debt on their own. Are you currently employed? How much further can put on your debt each month? Can you get a second job for a while? Here are some steps that will help, but only if you have a job (or two). ONE: catch up with their payments and making a monthly budget of two: Make the minimum payments of all your debts and save up to $ 1,000 in the bank for emergencies. THREE: List all your debts, lower proportion than most. FOUR: Finding extra money each month to pull debt for the first time on the list (the one with the lowest balance) and keep doing this until the debt is paid off. Then add the minimum payment of debt to the next in the list, and every month to throw extra money in your budget will allow him until he is paid off. Repeat this process until all debts are paid. Depending on your current income, you may have to get a second part-time job delivering pizzas or in retail for this to work, but the good news is that it is only $ 5,000 and not $ 50,000, so it should not take too long to complete. In addition, if an emergency comes up and you have to use some or all of your emergency fund, then place back to pay the minimum to all debts until you can get the new emergency fund to $ 1,000. Once this is done, resume FOUR step. Good luck!

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Aug 26

Credit Debt

credit debt
When the statute of limitations to start a credit card debt is a two-year no interest no payment plan?

When start the statute of limitation credit card debt is a two-year no interest no payment plan? Is the date of onset is in payment is 30 days late after the period of two years – that the first 30 days past due non-payment of a settlement? There was no attempt the debtor to pay that debt after the 2 years period of promotion. Credit debt originated in the State of California, with a 4-year statute limitation ..

SOL typically starts on the date or the previous or last payment activity – the violation. The first payment did not lose a violation the contract. At that point, the creditor must have taken steps to collect the debt, including the demand for presentation if necessary.

Dateline NBC – Credit Card Debt Trap Part 6 of 10

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Aug 14

Debt Consolidation Program

debt consolidation program

About 80% of Americans are in debt. Debt is a dangerous problem. When a person borrows money and is unable to return the money in time then the interest along with the amount of capital to add. This addition of the outcomes of interest on the refundable amount to be so high that the person has provided you have difficulty paying. For example, if a person has two credit cards was used in full and pay the amount applied for another card credit and borrow money from the new credit card to pay another credit card balances. This would increase the debt to an amount so high that the person would not be able to pay. In a situation of debt consolidation is the best option. By consolidating all debts of the person to be paying only one monthly payment.

The spending power of people has increased, while income has remained unchanged or increased in proportion to expenditure. This has led to more debt and if this situation continues throughout the country would be a serious problem. This is where debt consolidation comes into play. It helps in consolidating all debts into one payment and interest rates are low.

A debt consolidation program helps a person out of all your high interest debts. There are many types of loans Debt consolidation. Home equity loan is one of those debt consolidation programs, where you can use your home to get a loan. This is a secured loan and interest rates are low. If you go for an unsecured loan then interest rates would be high.

Personal loans are also available, which can be used for debt consolidation. While looking for a consolidation program of debt you should check out interest rates and term. The interest rates on your credit score, so it is advised to obtain increasing contributions from different lenders. To get the best deal to try to apply online for debt consolidation loans.

A Once all high-interest debt is paid through debt consolidation then you need to control spending and have a good budget and revenue plan and expenses as well. Proper use of credit cards at this stage would be helpful.

When a person gets into a debt trap is very difficult out of it. He or she tries to make more loans to pay off debts. Finally, he or she is not able to pay credit card bills and loans and have no choice but to adopt debt consolidation, where they receive a new lease on life. Most people become very tired of receiving their abusive calls from debt collectors and credit card loan recovery agents. Therefore, opt for debt consolidation is the best and to help them overcome these calls and they are free from mental stress.

The best part of debt consolidation is that you have to pay a fee monthly and do not pay many lenders or credit card loans, etc. debt consolidation is one of the best financial tools if a person has get out of debt.

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Aug 11

Short Sale Specialist

debtfreedomination.com

short sale specialist
Short Sale – the definition of principal residence?

I was wondering, what is considered residence. How long have to live in property before you can use new tax exemption law. short sale specialists say just move in their direction and chance, there is no limit minimum time. Others tell me two years. I've only owned the property for a year however. I bought the property and reduced by 50% in value! Do I have to pay that even if I file a form 982 of insolvency. I'm not saying that even though bankruptcy.

If you pass the test of insolvency does not have to pay taxes on property. You represent that you owned the property, but will not indicate if you live in the property … if not living there, then there is your primary residance. But however, if insolvency is passed does not have to pay taxes on the amount short.

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Aug 11

Debt Relief Programs

debt relief programs

If you have accumulated more than $ 10,000 in credit card debt, student loans, medical bills, or family expenses, then you can find help with the government approved debt consolidation programs. Many Americans have accumulated debt as a way of coping with difficult economic times and government, in an attempt to help the economy, has been developing options to help their citizens through debt consolidation loans.

The best way to find out what programs are available and can help your particular situation, with the help of Internet. You can investigate what government program or private, established to help average Americans during rough times, best fits your needs. Even if you do not qualify for programs administered by the government relief debt, will be directed to private companies that can offer confidence-building to make your debt much more manageable.

Public debt relief services is the direct Consolidation Loan Program or DOE. This program reduces your monthly payment total. If you have multiple creditors demanding repayment, this program could pay all these creditors and negotiate a payment to you at a lower interest rate than they were paying. It is certainly easier to manage a refund loans at a lower interest rate to deal with many creditors calling and harassing. With the total monthly payment down you will be able to pay your debt faster too.

This is a simple way to request a quote online and find out how you can feel in control of your finances once again. There are dozens Web sites that offer this free service. Even if you are not eligible for debt relief aid, a quote will help you connect with debt private advisors with the experience of helping people like you out of debt faster.

Next step: You can request a free quote of various debt relief companies online and select the one the best suits your personal financial needs.

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I highly recommend the link above if you want to see exactly how much you can save!

Client Review of Freedom Debt Relief – Andrew’s Freedom Success Story

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Aug 10

Clear Credit Card Debt

clear credit card debt
I have no debt credit card, is this good or bad?

My wife and I made a commitment to get out of debt. Our plan started in February and we have cleaned up credit card accounts. We still have a vehicle that is making payments (more than the minimum) and loans student. For credit cards planned for the balance and just keep sending $ 0 to $ 5 per month to each card, to obtain a credit balance. Is this well, do we still use the gas card to say just what it takes to balance each month? I do not want to close them as my wife has little or no credit history. I prefer out of sight of mind and use our debit card for purchases, but I want to improve my history and establish his own. Any jackals would be greatly appreciated.

Agreement open accounts is definitely good for your credit history as long as you stay within 25% of their total credit. As you have paid everything off, try to use the credit card only once a month and pay the full balance. My husband and I have a good system – we've created a VERY special day a month (not necessarily expensive, Special only) and use the credit card for all purchases related to dates. Usually runs about $ 50 to $ 100. Then we paid in full. We know there was a lot of fun using that credit and then literally put the card in the freezer until the night of next month date. It is an easy way to establish credit in a responsible manner and is much more fun than spending a little boring, like gas or groceries. 🙂

Dateline NBC – Credit Card Debt Trap Part 3 of 10

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Aug 04

Short Sale Definition

debtfreedomination.com

short sale definition
10 points best answer response. Please help with school project (interview questions)?

Hey guys, I want to thank you for taking the time to help me with my question. I really appreciate it. But I have a great interview quiz this week and my role is to interview a manager of retail and im freaking out. heres the questions. 1. What is your definition of teamwork? 2. How can the building of our team? 3. What are the short-term goals to improve immediate sales? 4. Customers are exceptional customer service. How do I show this and attract customers to our shop? 5. What can do differently to save our money without jeopardizing our store customer service? 6. What other management experience? 7. What you think are the most important qualities of an effective leader / manager? Why? How do you determine success? 8. Remember a moment and explain they had to carry out disciplinary action to a subordinate? How do you handle? and what would you have done differently? 9. What are your career goals?

1.Every doing there part and work together to achieve the objective. 2.Recognize each area the need to fill and make known the right person for that area in particular. 3.Using the "buzzwords" such as, Free, Extra, extra, to talk with the customer and always shown special interest in those needs. 4.I carry out the "RED" Capet "treatment" Treat each customer as copyright, basically. 5.Simple, cut-out all waste including time. 6.Being a Manager requires that I be able to adopt my-self to what you can do to keep customers happy and satisfied, even if that means I go out of my way to get what they want. 7.First should be able to understand what needs to be personal here, inventory, location, human resources, accounting, and be able to delegate all this in a well-oiled fine Machine.Honesty make money, loyalty, reliability, accuracy, reliability that is only part of my formula for success. 8.The is serious, an employee, there was a problem drinking, he and I and one of the supervisors had a meeting in my office and was told it would help if you check-in to the local hospital, he did, his work was there for him when he was discharged, and had long-term counseling. 9.Expanding my education and obtain a master's degree in business psychology, and an expansion als of soft-ware technology, and to continue working for this company.

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