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 05

Credit Card Debt Relief

credit card debt relief
I want to know if anyone knows of a company called debt free help relief.they credit card debt.?

help you get out of debt free credit card file bankruptcy

They are one of the largest and most seem to be one of the more established players in the field of relief debt. They work directly for the consumer, and receive no compensation for the loan (which is how many credit counseling companies alternative labor where they receive bribes from the credit card to get companies to pay their debts). They are members of the Better Business Bureau and have been members for many years. One of the founders, Andrew Housse, is on the board of the Association of Settlement Companies – TASC (http://www.tascsite.org/bod.php). The founders have appeared in the press and the news as funding resources for consumption in places like the New York Times, LA Times, CNN, Journal of the Stanford Business School, La Opinión and many others. They are saving millions of dollars in credit cards and other unsecured debts to its customers each month. The program uses lists three benefits main: a lower monthly contribution that is old client of the minimum payments were one, cut debts and the amount of principal owed, and make their customers debt free in a short period of time. When Freedom Debt Relief negotiates debt reduction credit card allows customers to save a small amount each month is stored in a bank account insured by the FDIC in the name of the customer – those led to lower payments. In general, it looks like a solid company for consumers they want low payments and get debt free fast. It is important, however, to evaluate any program on its merits and downside. With a payment program traded debt, the benefits come at the expense of poor credit during the program (do not wait to get a loan or a mortgage on a debt settlement program, and probably at least a year after graduation). And yes, this is definitely an alternative to bankruptcy.

Best Credit Card Debt Relief Solutions – Not Debt Settlement

[affmage source=”amazon” results=”1″]credit card debt relief[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/credit-card-debt-relief-5/

Aug 03

Debt Consolidation Mortgage

debt consolidation mortgage

In the old days, the choice between the two has always been paying the mortgage and let the card companies expect. In this way, it could keep your home and deal with the card companies when he came back on its feet. With recent changes in lending practices, people who are in loans adjustable, or simply a loan that they can not pay, they have few options to try to refinance to lower your payments, thanks to all the greedy people that inflated the bubble Real estate.

Now, many people are in a mortgage that they can not afford, and are deciding to skip the mortgage, and keep current credit cards. We will see both situations. If you are facing this question, then you need some help, because you owe more than you earn, you are in a house that can not pay, or are in trouble of some kind.

Unless you are in a difficulty, must meet with a credit counselor and budgeting that makes sense. Find out where all your money goes, and eliminate things that do not need as Starbucks and $ 20 spent on a movie and popcorn each order week. If you tighten the belt, and was able to refinance, you should not have to worry about what to pay and what they are not paid.

You can also call your mortgage broker (If they are still in business!) or the lender to see if they would give a better price, as it could be left behind. You will have more luck if you are current with their payments face when you call them a few months back. Either way, they will try their best to keep at home.

If you are in a mortgage that can not afford the consequences of your credit card are more severe than non-payment cards, but if you is in a house they can not pay, you have to do something. You can stop paying the cards, for now, and take that money and apply it to pay the mortgage. The cards can be treated later by a process called debt mediation which will take 30-60 cents on the dollar after few months is delayed.

If you want to keep the house because it is too much for you, you can not pay the mortgage real, or if you are upside down, it's time to downsize to a smaller house or moving to an apartment. Keep credit card payments on current account allows you a break. In this way, you can recover costs and until they are paid monthly there is a good possibility that remains open, although some is taken up interest rates to 30%, and / or reduce your credit limit.

If you need help with what to do to get rid of the house, try the Department of Housing and Urban Development hud.gov, and can refer to a certified counselor who will give you options have, or try your existing lender for all programs they may have. A short sale is one of its last resources, and just leave the keys on the kitchen counter and west.

If you can re-finance, or cover mortgage payments and you have unpaid credit cards, you can find out more information about debt mediation over at our sister site, Debt Chemotherapy If you have bad credit that is preventing you from getting a refinance loan, or if you have already lost your home to foreclosure, did you know that you can legally remove negative credit items from your credit report? Visit our website for more information on how to clean up your credit report.

Christopher Winkler
Senior Debt Analyst
http://www.MyRestoredCredit.com

Mortgage Refinancing Secret Exposed www.RefiAdvisor.com

[affmage source=”amazon” results=”1″]debt consolidation mortgage[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/debt-consolidation-mortgage-3/

Aug 01

Define Short Sale

debtfreedomination.com

define short sale
How to define the short sale please help.?

I have house buy house in 2005 to 220 k. but the value has declined know k 170. Now I have for this house any payment to pay even what is vacant last Monts 2 which is the best way to prevent the sale forclousre or short?

A short sale is sometimes called a sale commitment. A mortgage company may agree to go along with this if they see it is in their best interest. When a house is closed and sold in execution a mortgage is often a shortage. The bank charges not enough to cancel the loan and any late fees and attorneys' fees incurred in the process of foreclosure. Many mortgages allow the lender to continue to stay on that amount is not recovered in the foreclosure sale. If the bank undertakes to a short sale then they are allowing the lien to be released so that the house be sold for the amount of the market. This saves a tremendous amount legal fees and expenses for the bank and possibly for you. (The bank will usually agree to forgive any shortfall in short selling and, possibly, not informed that the money forgiven to the IRS as "phantom income"). Any of these is a complicated process that comes at a time and stressful life. List your home with a real estate agent who is knowledgeable about this process will help, but will still be stressful. I wish you the best of luck.

[affmage source=”amazon” results=”1″]define short sale[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/define-short-sale/

Jul 30

Homes For Sale By Owner

debtfreedomination.com

homes for sale by owner
McCourt enters the owner of the Dodgers marriage in the trial: I tried to please her, but she wanted $ 250,000. Los Angeles Dodgers – Frank McCourt – Marriage – Testing – Foreign

For more help finding and buying the best house for the price: CLICK HERE
Houses for sale by owner in Raleigh NC

[affmage source=”amazon” results=”1″]homes for sale by owner[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/homes-for-sale-by-owner/

Jul 27

Non Profit Debt Consolidation

[mage lang=”en|es|en” source=”flickr”]non profit debt consolidation[/mage]
Can anyone recommend a 5 * $ mang. org. nonprofit? counsolors with debt consolidation? I need a top gun!

Go He has little to daveramsey.com simple step to get out of debt.

Non Profit Debt Consolidation Get Debt Free Fast

[affmage source=”amazon” results=”1″]non profit debt consolidation[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/non-profit-debt-consolidation-6/

Jul 23

Personal Loans For Debt Consolidation

[mage lang=”en|es|en” source=”flickr”]personal loans for debt consolidation[/mage]
How I can get a personal loan with less than perfect credit score debt consolidation?

Visit sites thoroughly. It is an excellent site with some wonderful options for you. Definitely help you. Take a look. Http: / / loan-house.we.bs/loanconsolidation.html

Personal Loans, Credit Cards & Debt Consolidation All Types Of Loans Guaranteed Approval Visit Now

[affmage source=”amazon” results=”1″]personal loans for debt consolidation[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/personal-loans-for-debt-consolidation-4/

Jul 20

Short Sale Homes

debtfreedomination.com

short sale homes
How much can you offer on short sale homes?

We are looking to buy a house that is being sold as a short sale. Was included $ 155,000 and now appear as a short sale of $ 139,900. With the housing market is so bad, do not know what to offer. Not really even know what which is a short sale. The house was built in 1997 and is in a good neighborhood. It is also in great condition. What is a short sale and what we offer??

A short sale (or sometimes called a contract of sale) occurs when a mortgage company agrees to help an owner sell their home despite the owner can not sell the house enough to pay the mortgage. If a homeowner in this situation has no cash in the bank or any other asset that can be sold for pay the difference, the bank will often agree to “forgive” the difference or the loan of the seller the difference with a personal note. The bank wants to ensure that: The house is sold to the top of a price as possible in today’s market. The seller has no choice and the loan will soon be in default if the short sale is not accepted. There is fraud in the original purchase or sale today. (If you are trying to short sale your boyfriend to defraud the bank, for example) that the bank will be more benefits of accepting the short sale than foreclosing on the house. ——————– None of this means that the house will be a good buy for you. To determine if a good price for you, then you should compare this house to other homes on the market that are similar. Choose the one that you will be happy with and happy with the price – which is the best house. For More Help: CLICK HERE NOW!

How to Buy a Foreclosure or Short Sale Home

[affmage source=”amazon” results=”1″]short sale homes[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/short-sale-homes/

Jul 14

Debt Consolidation Mortgage Loan

debt consolidation mortgage loan

If you are sitting on the fence with respect to mortgage refinancing, the tax advantages that could win may be enough to push more. There is a series of tax deductions available to homeowners ranging from debt consolidation Private Mortgage Insurance premiums. Here are some tips help decide if the tax benefits of mortgage refinancing is right for you.

Mortgage Refinancing Debt Consolidation

When refinancing your mortgage to consolidate your bills you are simply borrowing more than they owe on your current mortgage. The difference between the amount of new loan and what you owe on the old mortgage was paid with cash. You can use this money to pay bills and the interest you pay on mortgage debt is fully tax deductible.

Because refinancing Mortgage Private Mortgage Insurance

If you are currently paying for Private Mortgage Insurance and can not obtain payment of premiums, mortgage refinancing can allow to deduct these premiums from their federal income tax. This deduction tax applies only to mortgage contracts originated in 2007, which is why you should refinance to take advantage of it. In addition, you must meet income requirements to qualify for the deduction. To benefit fully, your income must be less than $ 100,000. Homeowners with incomes greater than this, but below $ 110,000 will be entitled to a partial deduction. If your income is above $ 110,000 per year, will have wait for Congress to extend the deduction to all.

You can learn more about your mortgage refinancing options, including costly mistakes to avoid with a free, six-part video tutorial.

To get your FREE six-part Mortgage Refinancing Tutorial, visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. To get your hands on this free video tutorial: “Mortgage Refinancing – What You Need to Know,” which teaches strategies for finding the best mortgage and saving thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinancing tutorial today at: http://www.refiadvisor.com

Mortgage Refinancing Tax Advantage

Debt Consolidation Loan Consolidate Debt with a Mortgage Loan Mortgage Advice Mortgage for

[affmage source=”amazon” results=”1″]debt consolidation mortgage loan[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/debt-consolidation-mortgage-loan-3/

Jul 14

Debt Consolidation Companies

debtfreedomination.com

debt consolidation companies
Is the debt consolidation companies consumer is a better alternative to bankruptcy?

The recession has caused many consumers the reduction in a month spending.Carrying monthly balance is more like a luxury than a necessity

Credit consolidation id available to lenders be as bad as bankruptcy, consult your loan officer at your local bank and they will tell you the disadvantages of both

[affmage source=”amazon” results=”1″]debt consolidation companies[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/debt-consolidation-companies-2/

Jul 13

Debt Consolidation Loans For People With Bad Credit

debt consolidation loans for people with bad credit
I am looking for a debt consolidation loan for people with bad credit who have declared bankruptcy?

I doubt that any legitimate lenders will offer a loan for this purpose, given its history of filing of the bankruptcy and the current state of the economy. You do not say how long makes you filed bankruptcy. If it is 8 or 9 years ago and has had a perfect record of timely payment of gradually increasing complexity of the debt, bankruptcy probably does not matter much. Furthermore, if the bankruptcy was recent (last year or two) it is likely that almost no one can get a loan. There are very few "sub-prime lenders left, and you can find often charge usurious interest rates, upward of 20% in April.

Loans For People With Bad Credit

[affmage source=”amazon” results=”1″]debt consolidation loans for people with bad credit[/affmage]

Permanent link to this article: http://carynelizabeth.com/blog/debt-consolidation-loans-for-people-with-bad-credit/

Load more