Articles related to "Credit Counseling"



Need Debt Help?
Consumer credit counseling services can offer debt solutions -- if you're careful about the one you select.
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Questions to Ask Credit Counseling Agencies
Faced with a confusing range of agencies offering debt consolidation or debt free solutions, what are the questions that must be asked before choosing a credit counselor?
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Locating Legitimate Credit Counseling Services
Consumers are feeling the pinch of the recession. With job loss, high prices, individuals and families are behind in their bills and falling deeper in debt.
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Want Credit Card Debt Relief?
When credit card debt gets out of control, you may look to a consumer credit counseling service for help. Before you sign up for one of their plans, read this.
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Facts About Consumer Credit Counseling Services
Traditional Consumer Credit Counseling Services (CCCS) is the plan most people seek to avoid bankruptcy, but the economy of 2008 presents new challenges.
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Find a Credit Counseling Service
In over your head with debt? Find out when its time to get help or find debt relief on your own. How to choose a credit counseling agency, and questions you should ask.
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Short Selling a Home- Pros and Cons
Foreclosure has dire consequences for a homeowner's credit score. A short selling arrangement with the mortgage lender could make life a lot easier for both parties.
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How to file for Bankruptcy
There is widespread belief that filing for bankruptcy under the new law is impossible. The author dispels this belief and shows you the steps necessary to file.
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Reasons to Avoid Bankruptcy
One should avoid going bankrupt at all costs. Far from being a financial life preserver, bankruptcy comes with many financial headaches. Consider all alternatives first.
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When to File for Bankruptcy
This article provides readers with advice on when to file for bankruptcy.
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Choosing the Right Credit Counselor is Essential
Increasing numbers of Americans, struggling with credit card debt, are faced with difficult decisions when it comes to choosing a reputable, independent debt counselor.
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Is Short Selling Better Than Foreclosure?
Missed mortgage payments are a clear sign of money problems. Is short selling better than foreclosure? Do agreements with mortgage lenders really protect credit scores?
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More Young Women in Debt are Made Bankrupt
Figures from the UK Insolvency Service show, for 2008, personal insolvencies in England and Wales rising to 67,428, an increase of 4.6% on the same period in 2007.
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Mortgage Fraud On the Rise
The subprime lending market has imploded. The shortage of high risk loans has opened the door for bad lenders to prey on high risk borrowers. Avoid being a victim.
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National Protect Your Identity Week
The National Foundation of Credit Counseling has declared October 19 to 25 National Protect Your Identity Week as the economic crisis increases the risk of ID theft.
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How to Get Out of Debt Trouble
There is a responsible way to deal with credit difficulties and collection agencies. Find out the steps that can be taken today to begin digging out of debt trouble.
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The Danger of Credit Cards
As the U.S. economy continues to experience difficulties, the American public needs to take control of their own finances. Tips are provided for managing credit cards.
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Can Credit Repair Agencies Fix Bad Credit?
With US banks and other lenders tightening the rules on their lending criteria, some people with less than perfect credit reports are having their applications refused.
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Co-Signing on a Credit Card
What you should know if you want to co-sign with a family member or friend on a credit card application. Is it a good idea? How to safeguard your own credit.
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Dealing with Debt Collections
Bothered by harassing phone calls and letters because your past-due account has been sent to collections? Find out what your rights are and how to stop the calls.
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Get out of Debt!
Debt is the absolute worst financial time bomb out there! The biggest favor you can do for yourself is to get out of debt NOW!
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How Government Stimulus Plan Can Save Your House
The Homeowner Affordability and Stability Plan is aimed at 7- 9 million homeowners facing foreclosure. Find out who qualifies and what steps need to be taken.
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How to Find Debt Consolidation Loans Online
Debt consolidation is a financial option for debtors who carry multiple debts. Here's how to find debt consolidation loans online.
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Is Credit Card Debt Settlement Really Effective?
Should a US consumer choose credit card debt settlement or chapter 13 bankruptcy? Find out whether debt settlement companies are making financial difficulties worse.
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Careful With My Money
We are fat and happy. This is not necessarily a good thing.
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Do Debt Settlement Companies Fail US Consumers?
US consumers struggling with credit card debt are increasingly turning to debt settlement companies. Do their charges actually make money problems worse?
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Get Out of Credit Card Debt Fast
By viewing credit cards as a financial tool, not a loan source, you can eliminate debt and build assets. How to pay off your card faster and lower your interest rates.
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Household Budgeting Part of Any Good Debt Advice
Total personal debt in the UK, at the end of February 2009, stood at £1,458bn but how many people considered household budgeting as a way to get out of debt?
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Should You Consolidate Your Credit Card Debt?
U.S. residents are carrying more credit card debt than ever. For some, consolidating that debt is a wise move. For others, it's not. How do you know?
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The Truth About Debt Consolidation
Risks and Tradeoffs Involved in Debt Consolidation
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Beware Debt Elimination Scams
Legitimate debt counselors can't repair credit or cancel debts. Programs claiming to reduce debt 50-75% may trigger collection and lawsuits, worsen one's credit rating.
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Ten Simple Steps to Conquer Problem Debt
Facing a mountain of debt? By following these simple steps, you may be able to make a mole hill out of that particular mountain.
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A Simple Spending Plan
The first step toward financial health often involves implementing a b-b-b-b-b-budget. Does just the thought of a budget make you start shaking and feeling faint? If so, try this simple plan.
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Budget 101
How to start a budget and keep it up.
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Charging Orders a Threat to some Debtors
Citizens Advice has highlighted the threat from some lenders to use Charging Orders to force those with unsecured judgment debts into repaying unaffordable amounts.
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Church Helps Money Crunch Problem Solving
The Church of England took action as soon as it was apparent the financial crisis was serious. It rolled out a "Life or Debt" program to help those facing debt problems.
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Farm Aid Concert 2006
Willie Nelson, Neil Young, John Mellencamp and Dave Matthews headlined the 2006 Farm Aid Concert. Farm Aid is the USA's leading family farm advocacy organization.
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Money Management for Your Teen
How can we protect and teach our children the responsibility of money management? Educating your child will provide a firm foundation for a secure financial future.
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Negative Info on Credit Report
Whether it is right or wrong, there is a lot you can do about negative information on your credit report. Following are steps to take and how to fight it.
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Avoiding Debt Collectors
Late payments making you think your account will be sent to the dreaded collection agency? How to work with the credit card company and prevent harassing phone calls.
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Create a Manageable Budget
Creating a budget may sound like a chore, but do it once and you'll be well on your way to financial freedom.
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Do You Have a Good Credit Score?
The interest rate lenders offer you is directly linked to your credit score. Here's everything you need to know about what your credit score means.
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Free Money Making Ideas
Everybody would like to make more money each month, but most don't know how to make extra money. So, even though they need more money, they have no money-making strategy.
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How to Deal with US Credit Card Debt
Credit card debt is spiraling out of control in America. Find out whether a Debt Management Plan, debt settlement or filing for bankruptcy is the right debt solution.
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Is Consolidating Debt the Best Thing to do?
With many people desperate to get out of debt, consolidation companies are springing up everywhere. Consumers an get improper advice which can worsen their debt position.
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Mortgage Loan Modification - Prevent Foreclosure
The new Home Affordable Modification program from Fannie Mae and Freddie Mac is designed to help distressed homeowners prevent foreclosure. Here's how to proceed.
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Pay off Credit Cards First
Holding a balance on a credit card is just about the most expensive way of borrowing money.
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Retain Your Bathers - Teach Employees to Enhance their Financial Self Esteem
If you can keep a bather long enough, he or she will even start to be requested by clients. You've probably heard something like this..."Please have Sarah wash and brush out Jake; she always does such a good job." How to help retain these great employees.
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Settle Your Credit Cards
The consumer's lack of knowledge about their rights in the credit card collection process is the source of the strong demand for the debt settlement services.
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The Urge to Splurge
When manageable debt becomes <i>unmanageable</i>, even our health can suffer. If your finances are a mess, help is available.
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