Tag Archives: Debt

BBC Life in Debt Valley bbc documentary 2016

a hot and heartfelt observational documentary considering lives lived on a shoestring in Welsh Valleys. In one of the poorest areas of Britain, men and women still find .

Documentary 2016 LIFE INDEBTED VALLEY National Geographic 2016 An observational documentary taking a look at lives lived on a shoestring in Welsh Valleys .

Panorama BBC 2016 documentary. Donald Trump and Hillary Clinton are two of the very most controversial and distrusted presidential applicants ever before. While the .

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3 Important Facts About Credit Counseling & Debt management

Financial obligation management and credit counseling are extremely well-known in the usa these days. Using bank card crisis increasing, the credit guidance services have become indispensable. Goingt o a Credit counseling solution is an excellent choice for managing private and commercial debts precisely. Because of the increased demand for credit guidance, many debt management businesses have actually popped up through the last few years. You can find a debt administration firm effortlessly.

However, with regards to choosing the most readily useful, there are several facets which have to-be considered. You are well-aware to the fact that all of the credit guidance programs function based on the standard concept of help the borrowers to settle their debts with smaller monthly premiums. But these days with huge competition available, the debt administration businesses are providing different advanced solutions. It is extremely a great deal necessary to understand the facts about the modern credit guidance services. In this essay we provided the 3 got to know facts about modern-day credit counseling and financial obligation management programs.

1. The countless Services Offered by the Debt Management Firms

As currently stated, huge competitors indebted administration industry has actually forced organizations to produce special credit counseling solutions. Today, services including small budget counseling to debt administration training for business companies are available with debt management firms. Hence it is always advisable that you choose a business providing you with the ranges of credit counseling services that most readily useful match your needs.

2. Checkout the credit counseling laws and regulations in your State

The huge demand for the credit counseling services developed a sudden outbreak of numerous scammy financial obligation administration firms. These fraudsters accustomed charge huge charges from the customers by offering false claims. To prevent these deceptive businesses from swindling the individuals money, the federal government has made it necessary to obtain the licensing for providing credit guidance in the States.

Separate permits need to be acquired for various credit counseling solutions. If a strong provides credit guidance and Pre Filing Bankruptcy Counseling, they should have the permit for both the services. Advantageccs is a debt management firm which holds the permit to give Pre Filing Bankruptcy guidance in Alaska Arkansas, California Florida, Hawaii Indiana, Kentucky Louisiana, Nevada brand new Mexico, nyc Ohio, Pennsylvania South Dakota, Tennessee Tx, Utah Washington and western Virginia Wyoming.

3. There are many free guidance service providers too

Most regarding the financial obligation management businesses offer no-cost guidance services these days. These businesses offer no-cost guidance once you join several of their particular debt administration programs. The fac that counseling is free doesn’t mean that it is useless. Due to the tough competition in the field, the debt management businesses tend to be providing the best free counseling on consumers.

Debt management has actually seen countless changes through the last few years. Maintaining a track for the modifications will help you to find the best financial obligation management system.

The Author for this article is a specialist monetary advisor. He has supplied the essential assistance to men and women around the world in finding ideal credit guidance services. With his vast understanding in Debt Management and Foreclosure he’s written many articles with regards to Housing guidance in Texas.

Business Debt Management

A webinar geared to help small business owners who may struggle with debts in their business.
Primarily for business owners who:
Want to pay their creditors but can’t afford what they’re demanding
Have already tried negotiating on their own
Can’t get financing
Have tight cash flow issues
Can’t focus on their business while being harassed by creditors
Need payment terms stretched out over a longer period of time
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Debt Forgiveness vs Debt Settlement vs Debt Consolidation – Credit Fix

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Credit Card Debt Consolidation: Finding The Right Program – Advantages And Disadvantages

You never know when and who would need help from a credit card debt consolidation program. Sometimes unexpected circumstances can lead to financial difficulties which in turn would lead you to consider debt consolidation. Some of these circumstances are loss of job, loss in business, death of an earning member and so on. If you are finding it hard to pay off your credit card loans, then it is wise to consider debt consolidation. This is much better than bankruptcy. This article will help you with steps in finding the right credit card debt consolidation program, make you aware of the advantages and disadvantages of debt consolidation so you can decide whether credit card debt consolidation is the best option for you or not.

Basics of Debt Consolidation

Debt Consolidation is a big loan that will pay off your credit card loans. There are several ways these debt consolidation programs work. The most popular way is to take one lump sum amount of money from you (the borrower) and distribute it to your credit card companies (the lenders). All your loans will be consolidated into one payment usually withdrawn directly from your bank on a fixed date every month. These programs make the card holders life easier.

As a general rule, if you have many credit cards from different companies with high interest rates, then debt consolidation can help you manage your debt with only one bill and much lower APRs. These debt consolidation companies negotiate a lower interest rate for you and this can save a lot of money in the long run. This will work out in your favor if you have credit cards with APRs of around 30% because the debt consolidation programs can reduce these interest rates to between 12% – 18%. These programs require a monthly administration fees, which is usually around and this will come off your savings. Remember if the admin fee does not come off your savings, then it is not a good idea to sign up for a debt consolidation program.

So it looks like everything about the credit card debt consolidation is positive. Well, it is not always the case. There are a few advantages and also disadvantages of debt consolidation programs. You have to find a balance between them. The fact is that credit card debt consolidation companies do help you in paying off your debt. Here are some advantages and disadvantages of these programs.

Advantages

1. Decreased payment amounts: The monthly payments will be less than what you were paying before debt consolidation because you are paying off the loan over a longer duration.

2. Simpler to manage: After you signup in the debt consolidation program, you will have a relief from reading your credit card statements, deciding how much to pay for each credit card and then making the payments one by one. Usually, the company will withdraw the money directly from the bank and you will not have to be concerned about late payments.

3. Decreased interest rates: This is one of the major advantages for many credit card owners. Some of the debt consolidation companies bring down the interest rates much lower than the current ones. This can save lots of money for you.

4. Debt Management tips: Many of the good debt consolidation give lots of free tips on managing your debt. They draw out a plan on debt management. These tips are invaluable. They even mail out booklets on debt management.

Disadvantages

1. Lower FICO scores: Many experts debate that debt consolidation does not have any effect on credit (FICO) scores the fact is that debt consolidation has a negative effect on the credit scores. Enrolling into debt consolidation will always be reflected in your credit history. Most credit repair companies mention that it is difficult to increase your credit score if you are currently working with a debt consolidation program. Your credit scores can be raised after you have paid off the loans and are not currently in any debt consolidation program. Even if you can remove one credit card from the debt consolidation program that can help you increase your credit scores.

2. Higher Payment: Since your payments are made over a longer duration of time i.e. in more number of the years, then you will end up paying more in the long run. One way to prevent this is – if your financial situation has improved, then you can pay off larger sum of money. Most of times there will be no penalty for paying off the debt sooner than the agreed number of months. Before enrolling in a credit card debt consolidation program, you can confirm if there is a penalty or not for paying off the debt sooner than the agreed number of months.

3. Credit cards inactivation: If a credit card payment is enrolled in a debt consolidation program, then that particular card account will be inactivated. i.e., that credit card can no longer be used.

4. Negative Impact on Future Loans: Once you have enrolled in a credit card debt consolidation program, this will remain in your credit history. So, all future loan requests (new credit card applications, home loan, car (automobile) loans etc.) will involve references to your debt consolidation. i.e., the lender will have knowledge about your participation in debt consolidation program. Some people are very uncomfortable about this but it is up to you decide. Your credit history is a private record and will be provided by credit score companies only on a need-to-know basis. If you apply for home loan, then the chances of getting rejected is higher and if you get accepted, then mortgage broker will ask for explanation. Again all these conversations are kept confidential.

So, the question is – when should you consider a credit card debt consolidation? If you are paying high interest rates around 30% on a credit card, you have many credit cards, you are unable to make payments or your are barely able to make just the minimum monthly payments, you are finding it difficult to manage all the payments etc., you must consider signing up for a credit card debt consolidation program. After reading through the advantages and disadvantages mentioned earlier, make decision about signing up or not signing up for credit card debt consolidation program.

How to find a good debt consolidation program / company?

Signing up with the right debt consolidation program is critical for saving money and successfully consolidating your debt. There are a good number of scams in the debt consolidation business so it is in your best interest to proceed cautiously to prevent being victim of a scam. Here are some very good sources of finding the right debt consolidation program.

1. References from friends and relatives: It is best to ask your trusted friends if they have any recommendations for reliable credit card debt consolidation program i.e., if they have enrolled in one of these or know of anyone who enrolled in one and is satisfied. As mentioned before, there are many scams and so with this option, you can feel safe. This should be your first option.

2. Television advertisements: Most of big and established companies run advertisements on TV. These are companies that have a lot of experience and have been successful with debt consolidation. But it is a wise thing to research the company. Look for their website and check for their standing in Better Business Bureau (BBB) and must have been in existence for a few years. Also, search http://ripoffreport.com website for this company – this website where victims of scams post their experiences.

3. Mails: When you are unable to payoff debt on time, you will receive mails from some companies that will offer help with debt consolidation. These companies have permission to access some of your basic information. The good thing here is that your fit their profile of enrollees and that is why you received a mail with their credit card debt consolidation services. As mentioned earlier, research these companies using the same methods described above.

4. Telemarketing phone calls: Typically, telemarketing phone calls that you get is because your debt situation is such that it fits the requirement of their enrollees. If you receive a phone call, remember to never enroll in the first phone call. Note down all the details of this company such as the websites, contact person and phone number to call. Research the company extensively as mentioned above.

5. Online Research: Research the internet for good credit card debt consolidation companies both non profit and profit companies. Once you create a list of possible companies, research the companies extensively. Talk to these companies until you are comfortable about enrolling with them.

For a few months or years, if you can handle the disadvantages of credit card debt consolidation programs, then enroll in a program. Debt consolidation can get you out of your current debt problems and save you a lot of money by lowering your interest rates but if you do not spend judiciously, then you will be back into the same debt problems and this cycle will never end. So the long term solution to debt problems is to change your spending habits and live slightly below your means. Remember you need to manage the money / debt and NOT let the money / debt manage you.

The author Lokesh Kumar is a business owner, investor and has very good financial knowledge. Visit Best Credit Cards and Debt Consolidation website and blog for quality information about credit cards, debt consolidation, credit (FICO) scores and honest reviews of 500+ credit cards.

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Methods To Get Pay Off Credit Card Debt In Three Quick Steps

When you are having a difficult time paying off your credit card debts, you would look for ways on how to make it easier. You may have encountered credit card relief programs before and this is just what you need to solve your problem. It may not be the easiest way out but it should be enough to help you.

The first thing you need to do is to have a look at your expenses to determine which ones you really need, and which ones you can live without. Making changes in your lifestyle is also something that is necessary but understandably difficult. This change will definitely contribute greatly to improving your income as well as reducing your expenses.

Options that you may have to consider is to put your house up for sale and transfer to a smaller one, or if you currently have a car payment, you can put your car for sale and just purchase a used one with paying cash. These are painful changes, but are necessary to help lessen your debt.

Emergency fund is also needed. This fund enables you to manage your own cash flow wisely. By doing this, you can easily get enough money during emergency cases and urgent repairs needed at home. Usually, you should save at least one thousand to one thousand five hundred dollars in a month.

Another important step is to create a debt snowball. This is a list of all the debts you incurred. You should identify and arrange your debts from the smallest amount to the biggest. Then, you should save a specific amount so that you can pay the smallest amount each month.

As much as possible, you need to put as much funds as you can to pay the smallest bill amount. This way, when you are able to pay off the smaller bills, you can easily use the funds that are put to that bill to pay the other card with the smallest amount. Once this is completed, you can apply both those two amounts to pay for the following smallest amount. Basically you will be creating a snowball, which allows you to pay your lowest bills first then you move on to the larger ones until they are completely paid off.

If you’d like to learn more about how to pay off credit card debt, click on one of the links on this page for more information.

This piece of information on how pay off credit card debt was merely one thing to help you get to financial freedom. Click one of the links on this page to learn more the latest methods about how pay off credit card debt quickly.

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Prepaid Credit Card or Bad Debt Card: Which is Best?

A prepaid credit card and a bad debt card are the options open to you if you have an adverse credit record and need a credit or debit card. There are many reasons for you needing a credit card, and even those with a very poor credit record eventually find that not having a card can very inconvenient.

Let’s take some examples a where bad debt card or prepaid credit cards would be better than no card at all:

1. Hotel bookings.

Most people book their hotels in advance – in fact if you don’t you are highly unlikely to get a room! When you book online you obviously have to secure the booking using a credit card. If you book by telephone, you will be asked for your card number. So if you have had your cards cancelled, and no regular card provider will give you one because of your past record, then what do you do? No more hotels for the rest of your life? You are better off with a bad debt card or a prepaid credit card than no card at all!

2. Vacation Bookings

The same applies here, and there is not really any need for me to go further than that. You know how it works: you make the booking and then give your card number. No card, no booking. The days are long gone when you book and then pay cash when you arrive.

3. Any Online Purchase

Any online purchase must be made using a credit or debit card. If you don’t have card you can’t buy anything online. Nothing at all!

4. Autotellers

There will come a time, not too far into the future, when banks will not handle cash except from registered retailers, and even that will die out. Cash for the few items that you need it for will be dispensed by autotellers and practically everything else will be paid using a card of one type or another. Even bars are converting to cards: hand it over when you order your drink, and then every other drink goes onto your tab assigned to that card.

Basically, what I am saying here is that you will find life sheer hell without a credit or debit card, and if your credit is shot, as it is for many people, and as it was for me for a long time, you will find ‘normal’ life very difficult. You will need a card for most purchases, online or not, and unless you have good credit you will need either a prepaid credit card or a bad debt card. Without one of these you will be screwed when it comes to purchasing anything you cannot buy in your local store – that includes hotels, flights, vacations, restaurant bookings, online purchases – in fact anything online that costs money – and even getting cash from your bank.

So why are there both bad debt cards and prepaid credit cards? Why not just one or the other? The reason is that some people cannot take a second chance, and when issued a bad debt credit card without a credit check being carried out, they still screw up on the repayments.

These cards don’t offer you a large amount of credit initially, sometimes only $ 500 or £250, but even then they can’t make the payments. They max it out in 5 minutes and then pay nothing for months. Eventually, their credit is totally irreparable, and they have no chance of getting any credit anytime – at least not until the statutory time has elapsed for their record to remain visible.

They can, however, apply for a prepaid credit card, where they fund the card and can then spend up to the amount they have funded. They cannot go beyond that, but what they can then do is make the normal online purchases and bookings that they could with a regular credit card. You can also have your income paid directly into the card account, and use autotellers to withdraw cash and make regular payments by direct debit.

If all this describes you, then a prepaid credit card is an ideal solution to your need for a payment card, and if you haven’t yet shot yourself in the foot you should also be able to successfully apply for a bad debt card. A small credit limit to start with, but stick with it and not only will that limit be increased, but you have already started to repair your bad credit score. Maintain your payments regularly, and you will soon be able to apply for a regular card.

For more information on the benefits of bad debt cards and prepaid credit cards visit Global Credit Guide where you can solve your problem by accepting any of the great cards waiting for you.

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