Paying Off Holiday Debt Quickly - 6 Tips for Consumers (December 04 2007)         - Valeri James

Most Americans are faced with budgeting problems which get worse with overspending during the Christmas season. If you have placed yourself in deep Christmas debt this year consider the following sure-fire tips for paying off your holiday debts quickly.

Bankruptcy: What You Need to Know (July 23 2007)         - claim this article

Personal bankruptcy is a legal way to give people with overwhelming debt a fresh financial start. Many people do not realize that there are five types of bankruptcy options available under the U.S. Bankruptcy Code; however, for most consumers there are really only two viable options; Chapter 7 and Chapter 13 bankruptcy.

Take Careful Consideration Before Filing Bankruptcy (July 23 2007)         - claim this article

Filing bankruptcy is not fun! It is a last resort if you are interested in keeping an active and acceptable credit report. Bankruptcy is the condition of bringing all your assets and deficiencies into an insolvent state. It is a state of financial loss, where your debts are canceled and it will remain on you credit report for seven years. A creditor or mortgage company will generally not lend money with an active bankruptcy on your report.

Use A Debt Checklist To Examine Where You Are (July 23 2007)         - claim this article

A Debt Checklist allows you to look at items and areas of your financial life. You need to examine these to gauge how you stand. Even if you believe you are in good shape take a close look at these areas to be sure.

What Is A FICO Score? (July 23 2007)         - claim this article

Your FICO score or credit score as it's commonly called is a very important calculation that can control whether or not you are eligible to receive credit and if eligible the terms you can receive credit under. Failure to understand the impact this score can have on you future purchasing power and lifestyle can be disastrous. This article will break down all the information you need to know regarding your FICO score.

The Credit Card Debt Termination Scam (July 23 2007)         - claim this article

"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are paying $1,000s for this bogus service. One victim I spoke with lost more than $15,000! In this article, I'll review the principles behind this program and explain exactly why it's a scam to be avoided.

Debt and Financial Optimism in the UK Continue (July 23 2007)         - claim this article

With £1.3 trillion pounds worth of debt in the UK, Scotland's Citizens Advice Bureau has welcomed a new Bill to regulate lenders and protect borrowers from creating un-repayable levels of personal debt.

Your Secret Weapon... A Budget (July 23 2007)         - claim this article

For many, the word 'budget' immediately sends shivers down the spine. Why in the world would anyone need or want to budget their money?

The Five Most Popular Questions About Bankruptcy (July 23 2007)         - claim this article

WILL MY CREDITORS STOP HARASSING ME?

Yes, they will! By law, all actions against a debtor must cease once bankruptcy documents are filed. Creditors cannot initiate or continue any lawsuits, wage garnishees, or even telephone calls demanding payments. Secured creditors such as banks holding, for example, a lien on a car, will get the stay lifted if you cannot make payments.

Individual Voluntary Arrangements- A New Alternative to Bankruptcy (July 23 2007)         - claim this article

This May, the Department of Trade and Industry in the UK found that there were 10,091 bankruptcies in the first quarter of 2005. This represents an increase of 24.5% on the corresponding quarter of last year.

Reduce Your Debt (July 23 2007)         - claim this article

Do you want to reduce your debt? Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

Bankruptcy Abuse (July 23 2007)         - claim this article

Bankruptcy is little more than a smack on the hand these days. Creditors are certainly not going to look at you as a wise credit risk after bankruptcy, but that will probably not stop them from extending credit to you anyways. It seems a bit odd that consumers appear to be rewarded for skipping out on their debts through bankruptcy.

Debt Negotiation and Debt Settlement (July 23 2007)         - claim this article

Debt negotiation and settlement can give you a drastic reduction in the amount of debt you owe and allow you to repay your debts in a much shorter time. Resolving your debts is important to your well-being and financial stability. Debt negotiation is a way out of debt without filing bankruptcy. Paying your debts off at a much lower interest rate and lowering your monthly payments will have a better long-term outcome than bankruptcy or simply not paying them at all. Your credit standing can be restored in much less time than it takes for a bankruptcy or delinquent accounts to be removed from your credit report.

Bankruptcy 101 (July 23 2007)         - claim this article

Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.

How to Protect Yourself: Debt Collections (July 23 2007)         - claim this article

So you are getting collection calls? You're desk is full of unpaid bills. You dread answering the phone. You are having trouble sleeping at night because you are worrying about a bunch of bills. You feel depressed. Does any of this sound familiar? If it does then, maybe this article can help you.

Life After Debt - Strategies for Dealing with Problem Debt (July 23 2007)         - claim this article

Honorably and ethically rid yourself of burdensome debts using the little known Negotiation Strategy, without having to experience the loss of control and privacy associated with filing for bankruptcy, consolidation, or credit counseling.

Taking The Plunge Into Bankruptcy (July 23 2007)         - claim this article

Bankruptcy is one of the most difficult things a person has to do. The decision to file bankruptcy is a hard one. Is it moral to wipe your slate clean through bankruptcy? Is there any way for you to avoid bankruptcy? While everyone has their own opinion on bankruptcy, bankruptcy is often the only option some people and families have. So, what do you do when you are in the midst of being bankrupt? What are your options at this bankruptcy point?

How To Pay Credit Card Debt Off (July 23 2007)         - claim this article

If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate.

Top Ten Reasons People File for Bankruptcy (July 23 2007)         - claim this article

1. Eliminate the legal obligation to pay many of your debts.

This process of wiping the slate clean is called a discharge of debts. The goal of a discharge is to reduce debt to give you a fresh start. Whether it is through straight bankruptcy (Chapter 7 Bankruptcy) or through reorganization (Chapter 13 Bankruptcy), most or all of your debts can be cleared.

How Do You Spell Debt Relief? (July 23 2007)         - claim this article

Of all the problems possible in a marriage, finances cause the most marital discord. Many singles consider finances to be their most worrisome issue. Many times this is due to a heavy debt burden. Several options exist to help people get debt relief from their unsecured debts. (Unsecured debt is not linked with a physical asset. Therefore, credit cards and medical bills are unsecured debts; a car loan or a mortgage are secured debts.)