How to Protect Yourself: Debt Collections

So you are getting collection calls? Youre 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. Y...Full Article

Bankruptcy - Is It The Right Choice For You?

Bankruptcy is one of the tougher choices we as adults face in todays society where it is the norm to be in debt, albeit some more so than others. Credit card offers materialize whether you are looking...Full Article

Bankruptcy - Bankruptcy Myths

Bankruptcy has long been a big question mark in the eyes of the consumer. After all they dont teach us about bankruptcy in school. More often than not, a persons view of bankruptcy is largely develope...Full Article

Bankruptcy 101

Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.Some of the information in this article refers to a manual called ...Full Article

Life on a Debt Management Program

Signing up for a debt management program is easy; its a matter of finding a company you feel comfortable with that is difficult. There should be no pressure added from the company you speak with, join...Full Article

Individual Voluntary Arrangements- A New Alternative to Bankruptcy

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 la...Full Article

Debt Free Living - 5 Tips To Get Out Of Debt

A few times I wonder what sort of credit system moved the global economy 200 years ago. If the intention of getting into a business is meant to help fulfill the needs and wants of someone, I dont see ...Full Article

Debt Relief -- Why Most Programs Have A 75% Failure Rate

Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy - it doesnt matter which of these debt programs youre talking about. They all suffer from one fat...Full Article

The New Bankruptcy Law -- How Will It Affect Debt Negotiation?

In April 2005, Congress made sweeping changes in U.S. bankruptcy law that will go into effect on October 17, 2005. Its called the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, and i...Full Article

Debt Settlement -- Why the Critics Are Wrong

After October 17, 2005, a lot of people are going to become interested in debt settlement as an alternative to bankruptcy. Thats the date the new bankruptcy law goes into effect, and it means a rude a...Full Article

The Credit Card Debt Termination Scam

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. Its called Cred...Full Article

Two Ways To Debt Relief

There are many debt relief programs out there both off line and online. Sometimes it can be difficult to chose one from the other. To make a reasonable choice, you need to knowyour specific debt probl...Full Article

A Debt Elimination Process Must Be Initiated From You.

The first and maybe most important step in a debt elimination process, is to acknowledge theres a problem and realize that something has to be done with your situation. Some do it before it is too la...Full Article

The Human Side - Debt Stress

In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, an...Full Article

What is Debt Settlement?

Debt settlement is the process of negotiating with your creditors so that you are able to pay off a certain percentage of the debt amount that you owe. A debt settlement company will use different ty...Full Article

New Bankruptcy Law - Five Essential Things to Know

Last April, Congress passed the Bankruptcy Abuse and Consumer Protection Act, the most sweeping reform of our nations bankruptcy laws in more than twenty-five years. Proponents of the bill argue that...Full Article

Bankruptcy - The New Scarlet Letter

Nathaniel Hawthornes book The Scarlet Letter states in Chapter 2, "On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, a...Full Article

Credit Card Debt & the Unfairness of the Universal Default Clause

Lets look at a real world example: A woman purchased a new $4,000 large screen TV a few months ago based on the knowledge her monthly payment was going to be $175, and based on the 9% interest rate ch...Full Article

Ten Ways to Get Out of Debt

1) Use your AssetsIf you have assets with some significant equity, such as a home or a car you may be able to use these to get control of your debt. For example, you could get a loan on your home suff...Full Article

The Five Most Popular Questions About Bankruptcy

WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law, all actions against a debtor must ceaseonce bankruptcy documents are filed. Creditors cannot initiateor continue any lawsuits, wage garnishe...Full Article