Tuesday, January 8, 2013
Friday, January 4, 2013
Debt Assistance | Debt Help
Debt Assistance
Debt Help is Within Reach Any time you have some financial debt problems, you need to get started in searching for as much financial debt help as possible. There are actually a few debt assistance options which can be open to you. It is actually totally up to you which option will probably work effectively for your own specific debt problems. . Bankruptcy has started to become more and more common each day. Fundamentally this is a method that can completely wipe away all your debt for a small filing cost. It really is vital that you steer clear of bankruptcy if doable because it is going to hurt your credit rating for around seven years. Almost everything that you are hoping to buy will almost certainly have an extremely high rate of interest. You're going to be forced to go to court so that you can tell the judge exactly why you cannot repay your debts. A few of your current creditors might decide to come to the hearing to fight for their money. However, it isn't that common for even more than just one creditor to show up to your hearing in court... for more information visit us online today. Get help here Debt Assistance | Debt Help Home
Friday, November 9, 2012
Making Debt Settlement Easier
Making Debt Settlement Easier
There's no doubt that making your debt settlement payments is difficult. While it may have been easy to amass the debt, paying it off can be trying and difficult. However, there are some tips that can help you make that payment each month and
make debt settlement easier on you and your wallet. •Take your lunch to work. No, it's not fashionable, but it sure is cheaper. Even the least expensive fast-food lunch is at least $5 for a "value" meal. When you compare that to spending $10 on bread, turkey meat, and some chips or veggies to take, you could be putting a minimum of $20 towards your payment from lunch money alone. •Garage Sales are your friend. Both having them and going to them can help you out tremendously. Get rid of your unwanted things and bring in some cash that will help you make debt settlement easier. It's not difficult to hold a garage sale and bring in $200 or more on a Saturday. That's easy money for sorting through your things and sitting in the garage while others cart off your things. A word to the wise: Get started early on a Saturday morning and go late into the afternoon for more money. •Join Freecycle. Because you should not be running up any new debt while you're in a debt settlement plan, you should not be using credit cards to make new purchases. Instead, join a Freecycle group to take advantage of other's generosity. Rather than throwing things into the dump, individuals will offer items they no longer need for free to the one who wants to come pick it up. You can score amazing deals this way and keep from running up new debt. It's not unusual to find garden tools, lawn mowers and televisions on the list. •Shop smart. When grocery shopping, you can cut your budget in half by simply buying the store brands of most foods. A store brand of ketchup, for example, will run you approximately $1.00 while the "name" brand runs over 2.50. Yes, that's a savings of only 1.50, but when compared to the number of items you buy, it makes a huge impact. Many stores also have a guarantee in place, so that if you don't like the store brand, they'll GIVE you the name brand for free. Ask about that at your store. •Coupons Make a Difference. No, you don't have to be an "extreme" couponer, but by using coupons and buying a few different brands than what you might normally buy, you can save significantly on your bill. Go to the store on double coupon day for additional savings. Cutting your debt is much like losing weight. It's the small decisions we make every day that will make the biggest difference in the bottom line. It's true what they say, if you watch the pennies, the dollars will take care of themselves. Making Debt Settlement Easier- conclusion
If you’ve tried everything else, and you still cannot make your payments each month, a debt settlement program may be the best option. Find the best solution for you, for free, by clicking here now.
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Bankruptcy Chapters 7, 13 and 11 - What You Need to Know
Bankruptcy Chapters 7, 13 and 11 - What You Need to Know
There are many different methods that you can use to help eliminate your debt. Options such as credit counseling programs, debt consolidation and even debt settlement are all methods that you can use to get out of debt. What do you do, however, if you cannot use any of these programs to get out of debt? The topics of this article are listed below. •Bankruptcy •Steps Before Bankruptcy •Reasons for Bankruptcy •Types of Bankruptcy •After Bankruptcy •Legal Help with Bankruptcy Bankruptcy Bankruptcy is the process by which you either renegotiate, in a court setting, with your lenders to pay off your debt in a manner that is amenable to your current financial situation, or your debt is written off completely. Bankruptcy is a federal process and cannot be circumvented by your creditors/lenders. Steps Before Bankruptcy Bankruptcy should only be filed for as a last result. This means that you have attempted to negotiate for credit card debt settlement, tried credit card debt consolidation and/or tried a debt management program. Debt settlement occurs when you negotiate a payment with your creditor for less than your total debt. Debt consolidation is the process by which you get a loan to pay of the entirety of your debt. This option is usually only available to people with a reasonable credit score. Debt management is essentially changing the terms of the payment of your debt with the understanding that you're going to pay off the entirety of your debt. Reasons to File for Bankruptcy Once you've exhausted all other options then you might file for Bankruptcy in order to eliminate your debts or potentially save your home, car or other exempt assets. When you file for Bankruptcy, you cannot be sued for the debt that you owe. Another reason that you might consider Bankruptcy is because things are happening in your life that have caused major financial problems. Things like divorce, bad investments, high medical bills, job loss and so on can all be valid reasons to file for Bankruptcy. The Types of Bankruptcy Chapter 7, Chapter 13 and Chapter 11 are the three different bankruptcy options. Chapter 11 is specifically for businesses while Chapter 7 and 13 are for individuals. Chapter 11 makes a way for businesses to negotiate with their lenders so that they can repay their debts. Once a business is approved for Chapter 11, their lenders must abide by the repayment plan agreed upon post contract. Chapter 7 allows you to eliminate your entire debt once your assets have been sold and that money has been disseminated to your lenders. There are certain things that you will not have to sell, usually your home and/or your car as they are protected assets. In order to qualify for Chapter 7, you do have to prove that you have no other way to repay your debts. In addition, you need to make less than the average median income for your state. You may not file for Chapter 7 if you've filed and been approved for Chapter 13 Bankruptcy or completed a Chapter 7 Bankruptcy in the past 6 years. Chapter 13 requires you to negotiate with your lenders so that you can repay your debt. Your repayment plan will be based upon your ability to repay based on your income. You have between 3 and 5 years to repay your debt; however, you won't necessarily have to pay the full balance of your debt. It's possible that, based on your income and your assets, that the court will order that you pay off the original debt minus fees and interest rates, so that your debt repayment plan will be manageable. Anyone who earns the median average income for their state and has no more than $250K in unsecured debt and $750K in secured debt may qualify for chapter 13 Bankruptcy. Your Debts After Bankruptcy If you file for Chapter 7 Bankruptcy, then all of your unsecured debts will be discharged. Your previous lenders will be unable to collect on those debts, sue for those debts or ask for garnishment for the payment of the debts. Your Bankruptcy will appear on your credit report for 10 years, although many lenders will consider you for a loan after 3 years. A Chapter 13 Bankruptcy allows for the repayment of your debt. If you don't stick to your repayment plan, then your creditors can take further action against you. This filing will appear on your credit report for 7 years. Typically, your credit score will recover faster after a Chapter 13 filing because you're paying off your debts. Legal Help and Bankruptcy Although Bankruptcy is filed on a state level, the forms that you need to fill out are federal forms and are the same for every state. While the initial forms aren't complex, many people find the entire process overwhelming and time consuming. Some people find that the stress of trying to file for Bankruptcy is just as bad as being in a financial bind in the first place. Because of this, getting legal or financial help for the Bankruptcy process is highly recommended. This can speed up the process and all you have to do is gather information as you're told. This also ensures that when you go to court to present your paperwork that everything is as it should be, you shouldn't have to return at a later date because you missed something.Bankruptcy Chapters 7, 13 and 11 - What You Need to Know
If you can't afford legal or financial help, then you must ensure that you use authoritative websites to help you through the process. The US Courts provide valuable information about the filing process that can help you, although they also recommend that you get legal counsel for this process. If Bankruptcy isn't right for you then you should get a free evaluation to see if other options better suit your needs. You aren't obligated to make a decision and you have nothing to lose. Click Here To Get Started TodayThursday, November 1, 2012
CuraDebt Reviews- Customer Reviews For CuraDebt
CuraDebt Reviews From Real Customers
CuraDebt cares about the people we help. Located below you will find some of our customer feedback and reviews by real people just like you.
CuraDebt Reviews- Customer Feedback
CuraDebt Reviews 305 And Counting! Get Help HereWednesday, October 31, 2012
Debt Management- The Right Program
Managing Your Debts- What Program is Right for You?
Debt Management- Debt Settlement Is Our Choice Get help today
Debt Relief- Shedding Light on the Facts
Debt Relief- some clarification
Debt relief sounds great because it implies that you will be relieved of your debt and you won't have to worry about it any more. The truth is that debt relief is a method used to pay off or eliminate your debt, but it does require you to put some effort into it to make it happen. The good news is that there are several options that you can choose, but you do need to understand the facts about debt relief, and a major thing to consider is finding a company that will provide you with quality services and the correct information about what your options are. A good quality company will not tell you things that are false about the services that they offer. Some of the things to look out for are the following claims: •You will save X% on your debt through debt settlement •We will stop creditors from calling you •You can pay off your debts early •You won't pay any interest on your debts In essence, there are no credit relief companies that can promise to fulfill these things. What's more, the FTC doesn't allow such claims to be made, as such any site that makes these promises are violating FTC regulations. The good news is that there are many great companies from which you can choose and that are FTC complaint. It's important that you receive an evaluation prior to making a decision to ensure that the right plan is chosen for your specific needs. When you find a good quality company, they will explain to you all of your options and then, once you have had an evaluation, they will tell you what your fees will be. They will not be able to tell you about any savings until after they speak with your creditors, so don't expect to have all of the answers on the same day.Debt Relief Help
Using a debt help company can help you plan for a better future in terms of how you use your money. You can learn better strategies for saving and staying out of debt. What's more, when you use expert advice, you're more likely to be successful with your program, which will have a lesser impact on your credit and help you to get out of debt faster. Try a free evaluation for yourself and see what options are right for you.
Debt Negotiation- Consumers Can Help
Consumer Debt Negotiation- You can help
Many consumers do not understand that debt can be negotiated in some situations. It may be possible for them to get a low cost, debt negotiation and settlement from an experienced professional. There are a lot of people who are in debt and are not sure what to do about it. They may be out of work and unable to pay their bills due to an illness or they may have had to take a pay cut in order to keep working. Sometimes situations such as divorce can cause people to spiral into debt. If a person finds that they are in a lot of debt, they can contact a company for assistance with figuring out the best way to negotiate debt. Attorney options are available to Negotiate Debt, as wells performance based programs. Other courses of actions that may deliver a better result, should also be considered. Working with an attorney would mean that a person would be entitled to complete confidentiality. They would also have assurance that they would be represented fairly and their best interest would always be considered. Those who decide to work with an attorney can set up a payment plan. This may be best for people who can not afford to pay everything up front. They would have the ability to pay for the cost of having an attorney over time. There are some companies that refuse to work with people who work for debt settlement companies but they will work with attorneys that are licensed.Consumer Debt Negotiation
Debt negotiation and settlement can have a lot of benefits. Consumers can get better control of their finances. They can have a better picture of how much money they will have coming in and going out. It can be very stressful for people to try to deal with getting out of debt on their own. They may not have friends or close relatives who have been able to Negotiate debt. People may not have anyone close to them that they can go to for advice. They may realize that they can't continue to try and ignore their financial problems. Taking the steps to work with a professional can be the best decision a person can make in order to start getting control of their financial situations and turning things around for the better. Get started today!Tips To Pay Off Debt
Tips To Pay Off Debt
The average person is close to ten thousand dollars in debt. This amount does not include student loans nor automobile loans. Having a large amount of debt can be very stressful when a person is not sure how they will be able to pay it all off. Anyone interested in paying off debt should try to get the interest rate lowered on their account. There are times in which creditors offer balance transfer rates for specific periods of time. A person can transfer their current credit card debt to a new card under one of these offers. This will allow more of the required monthly payment amount to go towards the principal balance instead of the interest. This can allow a person to pay off the debt faster. If a person is not able to qualify for a low balance transfer offer, they can attempt to get their card company to lower the rate they are being charged. It is perfectly fine for a person to request a supervisor in order to try to get their interest rate lowered. Another tip that a person who wants to pay off debt can use is to increase their monthly payments. Increasing the amount that is paid each month can lower the amount of time it takes to pay off the debt. It is a good idea for a person to send in extra money whenever possible. Even small payments of twenty-five to fifty dollars can make a difference in the amount of time it takes to get rid of debt. In order to have money to make extra payments, sacrifices may need to be made. A person can try to reduce their current monthly expenses in order to find the extra money or they can try to reduce their income. A person may decide to lower the amount of money they pay for food or entertainment. They may decide to find a part-time job and dedicate all of the money they earn to making extra payments towards their debt.Tips To Pay Off Debt- conclusion
If a person has been unable to use the previous tips to pay off debt in less time, they may want to consider getting a free consultation in order to get advice about how they can get out of debt. Sometimes it can help for a person to speak with a third party who can give them ideas that they did not think of themselves. A person can get help in order to have peace of mind from the stress of debt.
Debt Settlement- The Best Way to Avoid A Lawsuit
Debt Settlement- The Best Way to Avoid A Lawsuit
Are you struggling to pay credit card bills and it has gotten to the point that you are being called several times each day? If you fail to communicate with creditors they assume you are trying to avoid paying your debt and this can lead them to file a lawsuit against you. A big mistake that many people make when they receive notices of being sued is ignore it because this can lead to fines and greater action being taken again them. Debt Settlement is one of the first avenues you should seek long before you ever receive a summons. If you are sued or receive a summons from creditors and don't acknowledge it in the given time frame, you will end up with a default judgement on your record. By starting debt negotiation as soon as you begin struggling to pay your credit card debt, you will avoid the creditor ever taking this action against you. Too many people feel ashamed when they are not able to meet their monthly payments and therefore fail to communicate and somehow think ignoring it will make it go away, but this just doesn't work. When you're over your head in credit card bills and even making the minimums has become difficult, begin seeking out debt relief immediately. By waiting you do risk being sued but even if it never gets to that point, the credit card company is adding interest daily. This could mean you'll end up paying thousands of dollars in late fees and additional interest charges. Seeking a professional that can help you negotiate the debt and nail out a plan of action is your best bet. Using a settlement arrangement you gain the ability to continue paying the creditor but at a lower interest and with the fees knocked off. You may be tempted at some point to try the Debt Settlement on your own rather than hiring a professional to work with you but this is not a good idea. For one, you are much too emotional to deal with these creditors who have no doubt been calling you many times each day or perhaps they began calling neighbors or your work. This can cause you to lose your cool and you will never get anywhere. A settlement specialist can help you figure out a way to talk to the creditors and to open your eyes to options you may not have thought about. Of course, if you take action to bring the credit card debt down, you'll have less to worry about. Sit down and take an inventory of how much money you are bringing in right now and how much your credit card bills are along with your other living expenses. You will probably have a big deficit which is why you have not been making the payments in the first place. At this point is when you need help to get the debt settled so that you are not charged anymore late fees or interest penalties. Depending on the amount you owe to a credit card company they can and do issue summons if it is a high enough amount. Therefore, you need to always communicate with them when you are not able to pay. If you have too much debt and not enough income, seeking a settlement professional is the best way to get the total owed to a more manageable amount. The sooner you call a professional the best!Debt Settlement- You have solutions!
Get help now. You are not alone. Start by clicking here.
Thursday, October 25, 2012
Debt Analysis Financial Honesty In Relationships
Debt Analysis- Financial Impact On Relationships
The Burden Of Debt on a Marriage A recent study by the University of Utah found that couples are 30% more likely to divorce if they argue frequently over their financial situation. We are all aware of the burdens of debt. The recent recession has seen a growing number of people in debt and unable to make their monthly minimum payments. This post is designed to help couples better understand their debts and find solutions in order to save both their finances and their marriages.
The Stresses of Debt on Married Life and What You Can Do To Resolve Your Financial Problems Married life certainly has its ups and downs, that's for sure. For most, those ups certainly outweigh the downs; then there are those couples just seem to have more problems with their marital status. Problems with other family members, kids and work certainly can produce a negative impact within a couple's relationships.However, one of the biggest contributing factors to an unhealthy marriage lies within the realms of personal finance. A recent survey conducted by the American Institute of Public Accountants and Harris International discovered money issues cause, by far, more arguments with couples than more trivial problems. 27% of the couples surveyed stated that the vast majority of their arguments centered around their financial stability and concerns about money. Additionally, a 2009 study conducted by the University of Utah found that couples who have disputes about their finances at least once a week are 30% more likely to divorce. Now, those are some worrying statistics. 
Monday, October 22, 2012
10 Ways To Save Money While In Debt Settlement
Debt Settlement- 10 Ways To Save Money
There's no doubt that making your debt settlement payments is difficult. While it may have been easy to amass the debt, paying it off can be trying and difficult. However, there are some tips that can help you make that payment each month and make debt settlement easier on you and your wallet. • Take your lunch to work. No, it's not fashionable, but it sure is cheaper. Even the least expensive fast-food lunch is at least $5 for a "value" meal. When you compare that to spending $10 on bread, turkey meat, and some chips or veggies to take, you could be putting a minimum of $20 towards your payment from lunch money alone. • Garage Sales are your friend. Both having them and going to them can help you out tremendously. Get rid of your unwanted things and bring in some cash that will help you make debt settlement easier. It's not difficult to hold a garage sale and bring in $200 or more on a Saturday. That's easy money for sorting through your things and sitting in the garage while others cart off your things. A word to the wise: Get started early on a Saturday morning and go late into the afternoon for more money. • Join Freecycle. Because you should not be running up any new debt while you're in a debt settlement plan, you should not be using credit cards to make new purchases. Instead, join a Freecycle group to take advantage of other's generosity. Rather than throwing things into the dump, individuals will offer items they no longer need for free to the one who wants to come pick it up. You can score amazing deals this way and keep from running up new debt. It's not unusual to find garden tools, lawn mowers and televisions on the list. • Shop smart. When grocery shopping, you can cut your budget in half by simply buying the store brands of most foods. A store brand of ketchup, for example, will run you approximately $1.00 while the "name" brand runs over 2.50. Yes, that's a savings of only 1.50, but when compared to the number of items you buy, it makes a huge impact. Many stores also have a guarantee in place, so that if you don't like the store brand, they'll GIVE you the name brand for free. Ask about that at your store. • Coupons Make a Difference. No, you don't have to be an "extreme" couponer, but by using coupons and buying a few different brands than what you might normally buy, you can save significantly on your bill. Go to the store on double coupon day for additional savings. Cutting your debt is much like losing weight. It's the small decisions we make every day that will make the biggest difference in the bottom line. It's true what they say, if you watch the pennies, the dollars will take care of themselves.Debt Settlement Resources
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An Explanation For Debt Consolidation
Debt Consolidation Explanation
With today's economy, it's no wonder so many people are in over their heads in debt. It's such a sickening feeling when the phone rings and you just know that it's probably another debt collector calling for money that you simply haven't got at this time. It's not that you don't want to pay off your bills, it's just that you don't have the money at this time.You figure how can you pay a credit card bill when you hardly have enough to pay the electricity and get groceries this month. Don't lose hope though as there is a solution to your problems. In cases like this, and there are many cases surprisingly similar to the above, consumers are turning to debt consolidation as a way to handle their existing debt and free up cash to live on. All of your debts are rolled into one big loan payment and usually the loan payment is less than what you owe on your minimum monthly payments of the individual bills. This will end the harassing calls and help you re-build your credit. By setting up a debt consolidation loan, you are able to finally pay off all those pesky bills that have been sitting there with you making minimum payments or none at all. Additionally, the interest rates are adding high fees to your credit card statements each month that they go unpaid or they only receive a minimum payment. In most cases, the loan you receive to pay off your bills will have a lower interest rate than you ever would have had with credit cards. With consolidation loans, you typically have one secured loan that has something large, like a house, as the collateral that secures it. In some cases, it could be a series of loans that all have fixed interest rates for the consumer so that they don't have to worry about rising rates and varied monthly payments. It's advised that consumers shop around for debt consolidation loans as these companies that offer the loans operate under different rules and offer different interest rates based on credit scores among other things.Debt Consolidation Resources
Get Debt Consolidation Help Here Debt Consolidation Home
Debt Settlement Helps Gain Financial Control
h2>Debt Settlement Gain Financial Control When debt gets out of control and too much to handle, debt settlement is an options to help you get back in control of your finances. Debt settlement also goes by several other terms, including debt negotiation, debt arbitration and credit settlement. All these terms refer to the same process of the creditor and debtor working together to reduce the balance to a manageable amount that you can pay in full. Debt settlement is not the same process as debt consolidation. These two terms are often interchanged, but in reality are two separate procedures. Debt consolidation works with a third-party company that combines all your debt together so you can make one monthly payment each month. Debt settlement is the process of negotiating with the creditors to reduce the total debt amount if you guarantee a full payment of the negotiated amount. Debt settlement is usually only available for unsecured debt. It is possible to complete a debt settlement on your own. There is plenty of information on the Internet that will help you through this process. You are responsible for contacting the creditor for negotiation of a settlement. This can be accomplished by calling the customer service number for the credit card. You will not be offered a payment plan on the negotiated amount, so make sure you have the funds available before starting the process. If you are not comfortable with completing this on your own, a debt settlement company will charge a fee for the service. You must have enough funds available to make the lump sum payment for the negotiated amount. If this money is not available, then you can work with the professional company to set up a trust account for accumulating this payoff money. You have options available when it comes to debt settlement. If you have the funds available for paying off a portion of the debt and are confident in negotiating a new amount, then try doing the settlement on your own. Contacting a professional debt settlement company to perform the negotiation is a common option for debt settlement. Which ever you choose to do, make sure you are ready to make the buy off payment. 
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Debt Settlement Resources
Get Help Here Debt Settlement HomeRead more ...How to Choose a Debt Settlement Company
In today's shaky economy and with the unemployment rate rising to alarming rates, making ends meet takes creativity. Unfortunately, that involves using credit, more which in turn leads to more debt. As this financial crisis grows, more and more people are turning to a debt settlement company for help. The goal is to help you turn your debt crisis around. However, not all companies are created equally. Many say they can help and don't. Therefore, it is imperative that you know what to look for when choosing the best company for you. The USOBA or TASC are two governing bodies that ensures that the debt settlement company is accredited. At the very least, ask the company that you are considering for proof of their accreditation. A legit company will be accredited with at least one of the two and if not that is your clue to continue your search. A debt settlement company that can act as a negotiator on your behalf is a plus. Let's face it, you can call each of your creditors and make an arrangement without the help of a settlement company. To do so, you would have to be well versed in the laws that govern this industry of which many people are not. A debt negotiation company can take that weight off your shoulders because they are paid to know the laws. You will know that they are certified by inquiring if they hold an IAPDA certification. Lastly, consider only the company that assures you that they have your best interest in mind. This company will give it to you straight. The representative will explain the process and set your expectations. If for any reason you don't feel that you are receiving this type of care and attention, there are many more companies from which to choose. You don't have to settle in this case. 
Wednesday, October 10, 2012
CuraDebt- Free Debt Counseling!
CuraDebt has been helping people and small businesses since 1995 and has become one of the most well known and successful debt counseling companies online. We have helped counsel thousands of individuals, families, and small businesses with their debt and financial challenges. Visit us online today for a free consultation. 
CuraDebt Is Not A Scam
CuraDebt is not a scam.
CuraDebt has been helping people and small businesses since
1995 and has become one of the most well known and successful
debt counseling companies online. We have helped counsel
thousands of individuals, families, and small businesses with
their debt and financial challenges. Visit us online today
for a free consultation. CuraDebt
CuraDebt has been helping people and small businesses since
1995 and has become one of the most well known and successful
debt counseling companies online. We have helped counsel
thousands of individuals, families, and small businesses with
their debt and financial challenges. Visit us online today
for a free consultation. CuraDebt
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