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    Bad credit debt consolidation when debt joins hands with bad credit

     

    How does your month starts – paying interest rate on your car, credit cards, grocery bills, medical bills and what not. It is a taxing process and chances are you can’t even make the complete payments. Debt consolidation offers the best solution available for this predicament. Debt consolidation is possible for someone with bad credit. It is usually with people with bad credit, they have numerous debts. Having bad credit is not such a huge problem but having unpaid debt is certainly something that requires more than careful consideration. Debt consolidation loan with bad credit can reduce your debt considerably. Bad credit debt consolidation is a significant step in debt management. Bad credit debt consolidation is a very helpful option for someone in debt. But they may or may not be the right solution for consolidation of debt for a bad credit borrower. Bad credit debt consolidation has advantages and disadvantages of their own. Bad credit debt consolidation has lower interest rate as opposed to what you were paying initially. This is what you should be concentrating on while hunting bad credit debt consolidation. The most common type of bad credit debt consolidation is home equity loans. This is also known as second mortgage. These loans are secured there is a liability is attached to it in the form of your home. Therefore, serious thought and consideration is required before securing bad credit debt consolidation with home. Unsecured bad credit debt consolidation is also possible. That would require some perseverance on your side. Unsecured loans have no security therefore will ask for higher interest rates as compensation. Be prepared for that. Also the accountability with bad credit is in the form of higher interest rates. You must be aware of your credit score before you apply for bad credit debt consolidation. Get a recent report and try improving your credit score. Even a little bit improvement in your credit score can do wonders with respect to the interest rates you can achieve. Since bad credit debt consolidation has lower interest rates, the monthly payment gets significantly reduced. A reduced monthly payment will leave ready cash in your budget every month. This not only saves your money but proffer a way to making other expenses possible within the same money. Sometimes bad credit borrowers pay attention only on low monthly payment rather than low interest rates. Lower monthly payments over a long period of time can cost more over a longer time span. Sometimes paying off debts can take a longer time with bad credit debt consolidation. Get a copy of the cost of bad credit debt consolidation loan. Apply for free quotes form various loan lenders and compare and then decide on the one that costs less. Bad credit debt consolidation leaves you with only one creditor. You face no more harassment from your creditors. The debt consolidation loan lender will henceforth deal with your previous creditors. Your debt consolidation lender or agency cannot improve your credit rating. However, a bad credit debt consolidation certainly can have a positive effect on your credit rating. A bad credit debt consolidation effort is always looked upon as a constructive effort. Bad credit consolidation can slowly improve bad credit if payments are made on time. A debt consolidation loan decision has to be taken with careful consideration. Otherwise you can end up in deeper debt problems. Carefully select your lender because lenders are known to miss or delay payments thus deteriorating your credit condition. Take care to repay all your debts in 3-5 years time period. Bad credit debt consolidation leaves a lot of place for predatory lending. Beware of lenders who promise to take care of everything. None of your debts will vanish in thin air. It is a step by step process and with time bad credit debt consolidation will show its effects. Finances require a devout determination. You have failed to show that twice – you require debt consolidation and you have bad credit. This is your opportunity to make that again alright. This is being called bad credit debt consolidation.

         
    Bad credit loans an opportunity to redeem

     

    Loans are requirement of most of the people these days and that includes people with bad credit history as well. People with bad credit history include people like: ·CCJ’s ·IVA’s ·Defaults ·Arrears ·People who have previously filled for bankruptcy and ·Late payments These are the profiles which bring about the tag of a bad credit history. Bad credit history is estimated on the basis of a credit score that is given to every individual in UK who has previously taken loans. Credit score is an estimate of the financial credit worthiness of an individual. A score of below 600 is the one which puts the tag of a bad credit. However there are other scores such as FICO scores the range of which is 300 to 850 and a score of below 700 is considered bad. For people with bad credit histories who do not know their credit scores can get it calculated by any of the credit rating organizations of UK. The main ones are Transunion, Experian and Experian. Previously it was tough to get loans for people with bad credit history but now days there are so many lenders that getting a loan is no longer a difficult thing for people with bad credit history. All the people need to do to apply for bad credit loans is to estimate their requirements and then apply to the creditor which suit their requirements. One thing that the borrowers must know is that they will be charged a rate of interest which will be on the higher side. Bad credit loans are available in 2 forms i. e. secured bad credit loan and unsecured bad credit loans the difference is only of the presence of collateral for a creditor by a borrower. Bad credit loans are already a benediction to the people with bad credit history but apart from that there are other advantages of this loan are also present. ·Bad credit loans now days are offered at a lower interest rate than they were previously offered. ·The loans can be taken for any purpose that the borrower wants for. ·Bad credit loans provide a chance for people with bad credit history to improve on their credit score by paying the dues in time and availing the best loan terms next time. If you are a person with bad credit history and you have a financial need to be looked after and for that if you need a loan. There is no need to worry with bad credit loans now you can fulfill not only your needs but all your fantasies as well. You can also get several other benefits which are very useful.

         
    Bad debt does not mean credit is a no go

     

    We have help available for people with a history of poor credit, bankruptcy, or an overwhelming accumulation of bad debt. We recognize that everyone faces unavoidable financial problems at some time and find that they are in an impossible situation and unable to meet their obligations. Our services are here to provide you with the solutions to these bad debt problems, and we can help you reestablish a good credit record. We have a number of options to choose from, including personal loans, automobile loans, home loans, debt consolidation loans, and secured, or prepaid, credit cards. There are two types of bad credit personal loans, secured and unsecured. A homeowner may qualify for the secured personal loan and non-homeowners may apply for the unsecured bad credit personal loan. Bad credit should not affect your ability to obtain a home mortgage loan. The interest rate for a home mortgage loan will depend upon your credit rating. If the credit score is 600 or above, the borrower is usually required to pay a 5% down payment. Credit scores that fall below 580 necessitate down payments of 20% or more. However, reputable bad credit mortgage lenders do not require unreasonable down payments of 50%. Bad credit secured personal loans are worth considering if you own property such as real estate, automobiles, valuable jewelry, or other types of assets. However, it is important to keep in mind that the collateral may be seized and sold by the lender in the event of non-payment. In addition, we offer bad credit automobile loans that are easy to apply for with minimal requirements to qualify, such as an income of $1,500 per month, proof of residency, and verifiable employment. We can advise and assist you in finding reliable lenders who have reasonable interest rates and offer good financing options. Our debt consolidation loans are another option to consider if you have a history of bad debt. These loans consolidate your debts into one loan, allowing you to make one monthly payment that you can afford. Unsecured debt consolidation loans are not tied to your assets, and they eliminate annoying calls and letters from creditors, as well as helping you avoid filing bankruptcy. Don’t let a history of bad debt keep you from having the things you want or need. We have the answers to your bad debt problems, and we are more than happy to assist you in whatever way we can.

         
    Bad debt personal loans even a bad credit has something good about it

     

    Debts have many faces. At one time they can serve as an important source to finance your needs and desires while on the other side failure to repay any of the due payments on them can result in getting black listed as a defaulter and gifted a bad debt tag. Bad debt is considered to be bad by many lenders and most of the time they have to face the refusal and denial regarding the loan application, they are looking for. If you too are tired of hearing “no” from the lenders, a bad debt tag can now get a bad debt personal loan for you that can bring back the relief in your life. Bad debt personal loans help people with bad debt to access the cash needed with a loan tailored specifically for them. A bad debt can be a result of the defaults, bankruptcy, late payments, county court judgment or individual voluntary agreement made by you in the past. Before going out to find the bad debt personal loan that matches your needs and expectations to the best, find out how bad is your credit score. When you get your credit report prepared make sure that the credit rating agency, you are applying at, is registered and reliable. To name a few, Experian, Transunion and Equifax are some of the credit rating agencies from where you can get your credit report. Credit score or FICO score usually range from 300 to 850. A credit score of 720 and above is considered to be good while an individual with a credit score of 580 or below is considered be a victim of bad debt. Credit score is further classified into a range of grades varying from A to E. “Grade A “reflects excellent credit while people with a credit score of 520 and below are counted in the “Grade E”. People with grade C, D and E are considered in the list of bad debt. Bad debt personal loan that one can borrow can range from Ј5,000 to Ј75,000. You can use the loan money to buy a luxurious car, to make improvements at home, to start a new business or finance the existing one or for any personal purpose. Bad debt personal loan can also be used to consolidate all your existing debts into a single loan. Timely payment of the loan installments on the bad debt personal loan will help you in repairing your credit score. Lenders usually find it risky to lend money to people with bad debt as the borrowers may repeat the same mistake they had done in the past. Thus, the rate of interest charged on the bad debt personal loans are comparatively high. The rate of interest popularly known as APR (Annual Percentage Rate) on a bad debt personal loan can be as low as 10% and as high as 20% depending on your credit score and the amount of loan that you are looking for. Online lenders are the best options if you are looking for a fast, secure, low cost and convenient means of borrowing. You just need to fill in an online loan application form with some of your personal details and that’s it. By the time you submit the application form, you will be surprised to get a lot many loan offers from the lenders. The growing competition among the lenders to grab more and more customers has resulted in a decline in the interest rate. You too can take advantage of this cutthroat competition to get the desired loan package. Shop around, collect loan quotes from a number of lenders and then compare them to find the best loan deal. Bad debt personal loans come in the form of blessing for a curse known as “bad debt”. Use the money you get with the loan in the best possible manner to get out of the debt trap as soon as possible to ensure a smooth and trouble free life. What if you have a bad debt tag you can now access a personal loan too.

         
    Bankruptcy the last resort

     

    If you have been in debt before, you understand how it feels. Debt can feel like an elephant on your shoulders day in, and day out. Many people feel as if there is no hope when you feel you owe your soul to creditors and collectors. Bankruptcy seems to be the only choice at this point whether for your business or for you personally. Is Bankruptcy the choice you should take? That question is not so easily answered and there may be many things that the general public does not necessarily understand about bankruptcy. Bankrupcy, for the most part, is a societal and governmental means to finding the right solution for your debts when all else has failed. As it stands now, if you file for bankruptcy and are granted bankruptcy, you most definitely deserve it. The laws that govern the various types of bankruptcy make it almost impossible for someone to claim if they don’t necessarily need to. The amount of paperwork has increased, the court fees have increased, and the overall trouble to file has made it quite a struggle for just anyone to qualify for bankrupcy. Before such action is taken, there are programs to help you get out of debt such as debt consolidation and consumer credit counseling services. These types of services consolidate your debts in to a small, structured payment plan. These services somewhat mimic the same concepts that bankruptcy to get you out of debt. For example, if you file for chapter 13 bankrupcy, all your debts are to be paid off in a structured payment period of between 3-5 years. Often times, like debt consoladation, the amount you end up paying is less than what you originally owed. You get to keep your possessions and your debt is cleared. So which method of getting out of debt should you take? It should be situational and based on every individuals specific case. Probably the best method would be to speak with a credit counselor in regards to your personal debts. Understanding your debt and the options to you are usually the primary step in making a wise decision about your credit. If your debt is beyond help and you’ve exhausted all other methods, maybe you should consider bankruptcy. One major thing to remember is that you should never be ashamed to claim bankruptcy. Individuals get caught in the preditorial credit trap and have sales people pushing credit cards in their face every time they shop. We are not taught in school about finances as much as we should be. We are not prepared for the “big business” world when we graduate high school and we definitely know nothing about living on our own. The good part is that there are a number of institutional answers and guidance which are available to every consumer nationwide. The worst thing you can do about your debt is to do nothing at all.

         
    Bankruptcy alternatives 5 ways to avoid bankruptcy

     

    What you are about to read may stop you making the biggest mistake of your financial life. In today's debt ridden society many people are in severe financial difficulties, often for reasons outside their control. Bankruptcy for many, is the last step in a long road of financial pressures but many opt for this solution too early and without considering suitable bankruptcy alternatives. Whilst bankruptcy may get rid of the immediate pressures it isn't necessarily the end of the problems. When you file for bankruptcy your life becomes an open book for the court appointed bankruptcy officials. They will pry into all aspects of your life and you will be required to provide all your financial information, including bank accounts, savings, investments and assets. Anything that can be sold or converted to cash, including your family home and any valuable contents, will be disposed of and you may still have part of your income deducted from your salary to pay some of your debts. But there are bankruptcy alternatives that may be less painful for many. Here I've listed 5 bankruptcy alternatives 1. Negotiate with your creditors. When you get into difficulties you should contact your creditors as soon as possible. Contacting them sends a signal that you want to repay them. Lenders are anxious to get their money back and sometimes they will go to great lengths to help you. They may be prepared to re-finance your debt to have it paid over a longer period with lower installments. They will often be prepared to reduce or freeze the interest rate and will even cut the balance owing up to 75%. 2. Refinance your mortgage. If you have a property, which you own outright or on a mortgage, there is the real possibility of you being able to refinancing your debts using a secured mortgage or re mortgage. Refinancing your debts involves taking out a new mortgage, or an additional mortgage. Some lenders will lend up to 125% of the property value allowing you to pay all your outstanding debt and may even have some spare cash to treat yourself. As the new loan is repayable over a long period of time (often 25 - 35 years) the monthly repayments are significantly lower than with short term debt and should be far more manageable 3. Refinance your debts using a debt consolidation loan. Debt consolidation is where you take a new unsecured loan and use the funds to pay off your outstanding debts. Debt consolidation loans are repayable over a longer term at a relatively low interest rate and as a result the monthly repayments are lower. If the loan is secured on your property then the interest rate and payments may be even lower. 4. Sell your home and downsize. One of the easiest ways to get out of debt is to sell your house or apartment and downsize or move into rented accommodation. The surplus cash can then be used to pay your debts and you can continue with your life without the pressure. Selling up and moving home is, however, a difficult and often painful option. If you do sell however. you can determine the price and remain in control. If the house falls into bankruptcy, you lose control and the house may be sold by your mortgagor at auction for a price often considerably less than the price you can obtain in a normal sale. 5. A formal arrangement with your creditors. A formal arrangement with your creditors can often be negotiated by specialist debt management companies and is filed with the courts. These arrangements are for 5 years. You pay an agreed amount each week or month to the debt management company and it is then divided between your creditors. While you continue to pay they are prevented from approaching you. After the 5 year period is over any balance still owing is wiped out and you are free to live your life free of debt. If however you break the arrangement the normal result is bankruptcy. As you can see, there are several sound bankruptcy alternatives for you to choose from. Everybody is under financial pressure from time to time, however you should not compound your problems by declaring bankruptcy too soon. Instead, choose the bankruptcy alternative that sounds the best for your particular situation and start working to repair your credit now. Using a bankruptcy alternative means that in a few years you will have rebuilt your credit and will be back on track, whereas with bankruptcy it could be ten years before you can get back to normal.

         
    Bankruptcy and useful tips for avoiding it

     

    The Bankruptcy Abuse and Consumer Protection Act was passed in early 2005 with the intention of reforming American bankruptcy law as we know it. The existing laws, according to Congress and the credit card companies, allowed too many debtors who might be capable of repaying at least some of their debts to have them wiped away by the courts. The new law was intended, rightly or wrongly, to eliminate the "bankruptcy of convenience" that allowed many consumers to run up huge debts without repaying them. Under the new law, filing is much more difficult, time consuming and expensive; so much so that it has discouraged many would-be filers from seeking debt relief through the courts. Given that debt relief through the bankruptcy courts is now so much more difficult, it makes sense that consumers with mounting bills might want to seek alternatives. In order to do that, debtors need to find some other way to manage their increasing debt. Below are a few tips that might help consumers avoid filing for bankruptcy. Negotiate with your creditors - It is generally a good idea to talk to your creditors as soon as you have a problem. If you are missing payments, call them and explain why. Creditors want to get paid, but they also understand that everyone has financial problems from time to time. They may be able to work out a repayment arrangement with you that you can afford. You will receive much more cooperation from your lenders if you are honest and explain your problem than to simply stop paying without explanation. Seek credit counseling - Credit counseling sessions are mandatory for filing for bankruptcy, but many people with little or no formal financial training could benefit from meeting with a counselor and explaining their financial problems. The agency can offer help with money management and repayment plans. They may even be able to negotiate some better terms with your creditors if you haven't already done so yourself. Many agencies are nonprofit, so you will generally find their services to be quite affordable. Get a debt consolidation loan - A consolidation loan is one that combines several debts, often at high interest rates, into one loan at a lower rate. A home equity loan is ideal for this, and thanks to rising real estate prices, many people now have a reasonable amount of equity in their property. As a bonus, the interest on a home equity loan is tax deductible. Other credit cards with low-interest introductory rates are also good for consolidating debt. Sell your house - If you do have a lot of equity in your property, it may become necessary to sell your house to pay your bills. This is a drastic step, as you will have to find another place to live, but if the alternative is losing your home to foreclosure, it may be the only sensible choice. Bankruptcy shouldn't be taken lightly. Having your debts removed by the courts will leave a mark on your credit report for up to ten years and will make it more difficult and expensive to borrow money or obtain credit in the future. Smart consumers know that avoiding bankruptcy, if at all possible, is a smart financial move.

         
    Bankruptcy or iva the procedure

     

    : Individual Voluntary Arrangement The first thing to do when considering an Individual Voluntary Arrangement is to have a meeting with an Insolvency Practitioner. This meeting can either be face to face or over the telephone. The meeting is to determine whether or not an IVA is a suitable option for resolving financial difficulties and to advice of what other options may be available. If an IVA is the best solution, then the next step is for the Insolvency practitioner to gather information about the debtor's financial details. This includes priority household payments, information about any assets the client may have and all creditor information such as creditor names and account numbers. The Insolvency practitioner is under obligation to verify all information given by the client, therefore the IP will gather proof to support that the details are correct. Once the information is verified, the IP will then begin to draft the proposals. The proposals are to be fair to the creditor and debtor alike. The idea is to show the maximum amount the debtor can afford to pay and to show the creditor this information in order to get the creditor to accept the amount that is being offered. Once the proposals are drafted up, the debtor will look through the proposals, and if happy, sign them. An IVA is a legally binding agreement; therefore it is important that all information is correct before signing the proposals. Once the proposals are signed by the debtor, they are then sent off to the creditors for their consideration. Creditors are generally given 2 to 3 weeks to vote on the proposals. Creditors can either decide to accept, reject or accept with modifications. Once the 2 to 3 weeks is up, the Insolvency Practitioner will arrange a meeting between the creditors and debtor for the final vote on the proposals. The Insolvency Practitioner will act as Chairman to the meeting. Creditors generally fax over their decision to the IP on the date of the meeting. So generally is not an actual face to face meeting, more a deadline to get all the votes in on one day. In order for an IVA to be passed, 75% of the value of the debt must be accepted. In other words, as long as the creditors who represent 75% or more of the debt accept the proposals, then the IVA is accepted even if some creditors rejected the proposals. If the IVA is accepted, then the Insolvency Practitioner will send out a chairman’s report to the creditors as well as the court detailing that the IVA was accepted. Petitioning for Bankruptcy Petitioning for bankruptcy could be as a daunting process, however, the procedure is probably not as bad as anticipated. In order to petition for Bankruptcy, you will need to fill in a couple of forms. These forms can be obtained online from the Court website. The forms you will need are 6.27 and 6.28. It is not always necessary to make an appointment to petition but it is always safer to call the court to see if it is permitted to arrive and petition or if an appointment is necessary. Bankruptcy is normally held in the High Court in London. People will generally arrive first thing in the morning. Once at the court, the petitioner will go over to the first available desk clerk and inform them that they are there to make a petition. The clerk will look at the forms and then proceed to type up the bankruptcy order. The petitioner is then directed to where they need to go to pay the petition fee and return to clerk once they have done. At this point, the clerk would generally give a time to return to collect a copy of the bankruptcy order. Once the petitioner has their bankruptcy order, they will then be given directions to go to the Official Receivers office. When they arrive at the office, they will need to wait until their name is called. Once the name is called, a copy of the bankruptcy order will be taken and they will be given information regarding bankruptcy. The petitioner will then be given a time and date of an appointment with the Official Receiver, sometimes this can be done on the day, but more often than not a telephone appointment will be given anywhere up to 2 weeks after the day of the petition. Sometimes the petitioner will be required to return to the Official Receivers office for an appointment. Either way is possible so there is no need for concern if the petitioner is required to go back to the office rather than receiving a telephone call, it will basically be which way is more convenient. Bankruptcy generally lasts 1 year; however, discharge from bankruptcy can be earlier or later depending on if there are any restrictions placed on the bankruptcy. So there we have it. Although this is a very brief outline of what is likely to happen when choosing either option, it does give a general idea of what to expect.

         
    Be an oracle of sort with debt counseling

     

    Debts are becoming a major issue around the world and UK is no different to the rest of the world. Debts over the past few years have created havoc if we count the number of people getting severely affected by it. So it is natural that people are looking for solutions to their debts problems. The first step towards the solution begins with the proper knowledge of a given topic and for problems relating to debts the first step towards their solutions would be to get totally acquainted with the subject and that in this case means taking debt counseling. Debt counseling is a method where by the experts on the topics of debts and other related subjects provide insights to the people who can use them to their benefits. This is a great help as this technique helps eliminate the debt related issues from the start and what does the saying say “good start means half the battle”. Here is a preview of what might people get when they seek debt counseling. Debt counseling basically involves techniques which people should follow so that their debts do not get out of hand. A few well known techniques of debt counseling are: Debt consolidation - it is a technique whereby people who are in debts from more than one creditor take another loan to settle their debts and in turn try to reduce or eliminate their debts. This process may involve a few steps. Steps such as: • Making budgets – this process would involve the borrower to make budgets to keep the expenses in check. • Follow budgets – the budgets are useful only when they are followed properly and to the point where they give out results, not just follow them at the start and then desert them. • Spending carefully - the process would require the borrowers to spend carefully and keep their expenses down so that there is no problem in paying of debts. Apart from these, there are other methods of debt counseling that a person can follow to reduce their debts. People who are looking for debt counseling can get more updated information from any of these debt counseling services. • Citizen’s advice bureau (CAB) • National debtline • Insolvency helpline These debt counseling services can provide more insightful information depending upon the individuals profile and his credit ratings. Or else, the borrower can go online and interact with the experts on his case. This will surely help him in his fight against debts.

         
    Be careful when choosing a credit counselor

     

    When you find yourself in a bad credit situation it is easy to find hope in credit counseling agencies. You feel safe when someone says that they are a “non-profit organization.” But often, those that are offering help are only helping themselves. Federal and state regulators are warning consumers that some credit counseling agencies are not what they seem. They may actually be using a non-profit status to avoid consumer protection laws. This gives them the ability to advantage of you, the trusting consumer. What makes the agency non-profit? All they have to do is provide free education and counseling services. But many agencies are using these as a way to hustle clients into debt-management plans, which pay off big time. With most debt-management plans, the client pays the agency a certain amount of money each month. The agency then pays the client’s bills. The agency negotiates lower interest rates and the waiving of fees with the client’s credit cards and loan companies. The credit card companies will usually give the agency a kickback, a percentage of the amount repaid. Many experts say that clients are often pressured into the plans, even if they don’t need them. Some agencies don’t pay the bills on time, and you are the one who suffers. Even the IRS has stiffened its review of agencies seeking non-profit status. There are legitimate credit counseling agencies out there that can help you with your financial problems. You just have to shop around and do your homework when choosing an agency. Talk and visit several agencies before selecting one. Don’t let the non-profit label fool you into thinking that a certain agency is better than the others. Non-profit status doesn’t differentiate the good from the bad, you must do that yourself. Watch out for agencies that want “voluntary” contributions and high monthly service charges. If you are having financial problems, chances are that you can’t afford to pay high fees. Before you sign up for a debt management plan, request a written statement of all agency fees. If an agency says that they can get you out of debt quickly or slash all of your interest rates, don’t believe it. First, getting out of debt takes time. You are simply looking for a plan that will get you there a little faster – but it still takes time. Secondly, interest rates are determined by your credit card companies, not the agency. Many creditors won’t lower your rates. Some will. The agency has no idea of knowing what the future holds. Check with your creditors to make sure that they are willing to work with the agency you choose. Once you have started a payment plan, make sure that your creditors are receiving their payments on time. If they don’t, it’s your problem. Ask around for a reputable agency. Check with the Better Business Bureau and your state’s attorney generals office to see if there are any complaints on file. Ask the agency if they are a member of the Association of Independent Credit Counseling Agencies or the National Foundation for Credit Counseling – two well-known groups that have standards and fee limitations. It’s okay to ask for help, but make sure that you can trust who you ask.

         
    Be debt free to live in harmony

     

    Why you should know more about Chinese Medicine? If you understand why Chinese medicine is superior to occidental medicine, you will be able to solve a lot of problems beside debts. Chinese medicine: Identify the source of the problem ==> Make The Patient Conscious about these problems ==> Eliminate the problem ==> Explain to the patient how to avoid this problem ==> Explain to the patient what to do to put this problem far away for him Occidental medicine: Identify the problem (not the source, only the most apparent) ==> Eliminate (or maybe not) the problem ==> Give the solution It's clear now that in the second case, the patient doesn't really know the causes of his problem, and he is more likely to fall again in the same situation. In the first case, everything is done for the patient to understand his problem at the root. He will be able to fight with more weapons, and win while in the second case, he doesn't know who, and where the menace is coming from... You must identify the real cause of your debts if you want to be debt free. Now that I explained to you how to deal with any thread, let me explain why so much people have so much huge debts. The reason is that the interest rate is leading to these situations. It is inevitable, for the growth of the economy to establish interest rates, and to be able to adjust them, when it's time to do so. Question: Do you remember the Chinese principle? How do you know that the society based on the interest rate is the most advantageous for people? Like the commerce is based on justice, interest rate is based on injustice, as we have seen earlier. It is the real cause of debts, and the cause of your problem right now. It is the source. How commerce is based on justice? You will understand after reading this: You own a product A, and other human being need this product for one of these 3 reasons: Vital Need (water, foods...) Solve a problem (the car – train, bus, plane – for long distances;air conditioned...) Feel Good (beauty products, health care...) You are exchanging these product A against money. You need that money, and your customers need your products. It is justice because everybody wins. It is exactly the opposite effect with interest. Once you understand and start implementing this Chinese principle, you will be able to find even more causes to your problems. See here the inevitable consequence of interest: Master/visa card, Discovery, American Express. Everybody has one, or more. You are given the right to buy what you can't buy. What does that mean? It means that without this loan and the interest that you will pay for it, you will normally not be able to buy your car, or your house, or... Unless you win more money, or borrow from someone! Our subject here is to find the ways to get out of that debt. But the most important is to let you control.

         
    Beat the credit card blues 5 super strategies for breaking dangerous spending habits

     

    : Many of us consumers continue to struggle to get out from under our credit debt. In fact, the average American is carrying almost $2,500 in credit debt each month. These financial consequences can be critical, and long lasting. For a consumer paying only the minimum payment of $50 a month on a $2,500 credit card bill, (at the average 16-percent interest,) they are paying off a mere $10 of principal. There's another $40 being added on in interest EVERY MONTH. So in only one year of paying minimums, they still owe $2,380. Now imagine if the credit bill is $15,000 or more...the word dangerous is certainly appropriate. Want to do things differently? Want to put your debt on a diet? Try these five super strategies and break your dangerous spending habits today: 1. Step away from the counter. Give yourself a time-out when you feel the temptation to make a purchase. For an item over $100, put it on hold, and leave the store. Let the idea sit for 24 hours, and then ask yourself whether you really need the item: the answer is likely "no." For clothing and other purchases, put the item on the 10-minute hold rack. Walk away, get a drink or a snack and decide if you really need it or just impulsively like it. 2. Set goals. Decide how quickly you want to reduce your debt, and how much you can afford to pay down each month - but don't stop there. Set financial goals that involves "positive" incentives, too, such as savings and vacations. 3. Start canceling cards. How many credit cards do you really need?

    Most people need at least one to handle payments that can't be made easily any other way - and you may need two, depending on where you usually shop or travel and which card is accepted. 4. Lower your limits. Save yourself the grief of overspending and not being able to afford it. Most people don't know that you don't have to accept the maximum credit limit that your issuer is willing to provide. Choose the limit that you're comfortable with, and tell your credit card issuer - in writing - that you don't want any automatic increases.

    That way you stay within your budget. 5. Consolidate. If you're dealing with several cards with debt, look for a financial institution and apply for a consolidation loan. This loan at a competitive lower rate will allow you to make one convenient monthly payment that is far lower than your various cards and will give you a fresh start.

         
    Beating debt with a stick

     

    : Debt is a Product in America The #1 sickness in America concerning finances right now is debt. Debt is a product in our culture and it is vigorously aimed at you and me everyday, everywhere. As a society, we borrow more money than the last two generations times two and your online credit report reflects these habits! Some companies like Sears make more profit from their credit department than from all the physical products they sell. But It's the Norm Isn't It? We are programmed from childhood to make automatic decisions regarding our personal spending habits thus negatively affecting our online credit report. A few 'real world' examples are listed below: ∙ leasing a car instead of paying for it in cash (unheard of right?) ∙ 90 days same as cash (NOT... really the same in more than 75% of the cases) ∙ rent-to-own (translation = paying 2, 3, 4 times the actual value of the product) ∙ 30 year vs. 15 year mortgages (an accepted lengthy and very costly way of purchasing a house) What to do? Well, I hate to give the obvious answer here but how about saving money! Try saving money in a money market account for a couple years and then paying for a slightly used car in cash or with a 50 to 75% down payment. Wow, imagine having that extra money every month that most people dump into their lease or high rate loan. Try saving money for 3-6 months interest and risk free for that thing that you needed and you might find that you can get it cheaper with hundreds OR even that you want to use your hard-earned money for something more practical. Your credit report will thank you as well. Penny Pinching is Boring! Most people today think that to be frugal one must live out of a shack and only make purchases when they are on clearance (or if it's life or death). Well they're only half right. Have you heard the expression "It's the little things that count"? This holds very true when dealing with financial decisions. While large purchases definitely have great effect on one’s online credit report as well as their overall situation, it is often the everyday spending habits that accumulate and hold them back from attaining wealth of any sort. What many people fail to realize is that the majority of true millionaires in America (those with net worths exceeding 1 million dollars) got rich from thinking outside the box and not following the crowd. Try thinking a little more about how you handle your money and you might find that you know more than you think you do. Summing Up the Debt Sickness Fiasco A decision as simple as using a debit credit card instead of a credit card shows discipline. Report that paying with cash instead of credit shows that you have properly budgeted your money and it just feels better to own something the day you walk away with it. Your credit report will also reflect these positive actions. Since the average consumer has little control over their own spending habits, the credit report picks up the slack and in turn there are more negative items to show for it. Even statistics show that using cash when making purchases will greatly reduce spending thus causing you to think harder as a consumer before swiping that credit card. Get off to a good start by seeing what is on your online credit report. By removing negative items from your online credit report you can improve your credit rating. To read more about how you can get your online credit report free with no obligations, see what is on your file and find out how to fix your credit report go to cleancreditonline

         
    Becoming debt free requires desire

     

    You want to escape from your debts, right? But before you make a start, let me remind you that it won’t be easy. In fact, it could be one of the hardest things that you’ll ever do in your life. Don’t be under any illusions about this. Enormous self-discipline is required from you. The more you owe, the harder this will be, and the longer it will take. You must genuinely desire to become completely and utterly debt free. Achieving such a difficult task is only possible if you’re 100% committed to it. Clearing your debts is an all or nothing decision. Ninety-nine percent is no good! If you’re at the stage where you’d ‘like’ to pay off all your debts, I can tell you now that you won’t get very far. That’s nothing more than a vague pipedream that ranks up there with ‘I’d like to go to the moon’. Make a promise to yourself to repay your debts as soon as possible. Get the bit between your teeth and keep plugging away at it until you’re completely and utterly DEBT FREE! Then vow never to borrow ever again! Feed your desire to become debt free Remind yourself how hacked off you are that you could have allowed yourself to get into such a mess. If you aren’t annoyed by the very existence of your debts, then I suggest you do whatever it takes to become that way, because: 1) If you still passively accept the fact that you’re in debt, you won’t have the motivation to get the job started and see it through to completion. 2) If you think that your debts ‘aren’t too bad’ you won’t have the willpower to keep chipping away at them when times get tough, and 3) If you still believe that debts are inevitable, then you’ll never be debt free. That, I can virtually guarantee! You must be ready to do whatever it takes for as long as it takes. And once you’ve started, you must be prepared to keep going until you owe nothing. It could take months or even years. But that shouldn’t matter, because your sole focus should be on the day when you become free of debt. There’s little point in trying hard for three weeks and then blowing all the extra money that you’ve saved to reduce your debts, on some ‘treat’ that you ‘deserve’. Everything that you put towards reducing the size of your debt makes a difference. It should be enough of a treat to know that your total debt is becoming smaller with every day that passes and that you’re moving nearer to freedom from debt. So, are you ready to beat your debts to death with every bit of money that comes into your possession over the weeks, months and even years that follow? Desire and grim determination. Nothing less will do! by Stuart Laing Copyright (c) Get Out Of Debt

         
    Begin the debt consolidation process today

     

    Are you in debt? Are you tired of answering harassing call and mails from various creditors? Are you unsure of whom to pay and for how much? Do you have too many cards and are not sure how much you owe? In today’s economy, it is all too easy to get seriously into debt; and the only way to get out of it is debt consolidation. What exactly is debt consolidation? Simply put, debt consolidation is a debt reduction system that allows consumers to combine their assorted unsecured debts into a single payment. Instead of sending out payments on six or seven bank and store credit cards, you could easily make one payment to the debt consolidation company and that company would then send the funds for you. This money management system can be highly advantageous to the consumer, as the debt consolidation company generally negotiates a reduced interest rate, a reduced balance, a lower monthly payment and eliminates late fees. The best part is you are given a set time period when the debt will be paid off in full. Mortgage loans and car loans are not subject to consolidation since these are secured. Unsecured loans like bank credit cards affiliated with Visa and MasterCard and assorted department store credit cards are the typical items you will put in a debt consolidation program. Should debt consolidation be preferred to bankruptcy? Creditors view debt consolidation in better light than bankruptcy. This is because debt consolidation shows the consumer's willingness to put forth a strong, good faith effort to take responsibility and pay for his debt; in contrast, when debtors file for bankruptcy, they opt to erase debt or pay little back, leaving creditors with very little from the debtor. Although bankruptcy allows consumers to wipe out their debt and start fresh, it also destroys the consumers’ credit background. With debt consolidation, a consumer can greatly reduce his or her debt, merge multiple payments into one payment, and preserve their credit background by avoiding bankruptcy. There are ways and means of going about debt consolidation, such as contacting debt consolidation companies and applying for debt consolidation loans. The Internet also lists many companies that are willing to help consumers begin the debt elimination process. Visit liabilityrelief for more information on credit card repair, debt consolidation, and debt consolidation counseling.

         
     
         
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