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Debt Management & Finance Article Category 

Articles about or concerning Debt Management, Debt, Debt Reduction, How To Get Out of Debt, Debt Management Program and Plans, Debt Calculators, and services that offer advice on Debt Repair.
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Debt Settlement Letter Golden Guide

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 Jerry Cole (November 10, 2008)  Many of you find it difficult to negotiate your debt on your own because of the lack of knowledge and training about the formal correspondence. To make your case professionally and to build the hype for the settlement is necessary and a very primary objective that your debt settlement letter should contain all the related data and references in right format. This article is here to .. (Debt Management)

Debt Settlement America Be Very Careful

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 Jerry Cole (November 10, 2008)  Since the recessions and even from the day later, the money lending, credit cards payments and their settlements, negotiations on debts taken, debt consolidation and debt settlement America's daily work stuff. Right from early 80's and after words banks established different type of debts for the consumers and companies to take on and run their expenses. But as you take loan or lend .. (Debt Management)

Debt Settlement Yourself The Best Tutorial!

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 Jerry Cole (November 10, 2008)  Debt settlement can either be initiated with the help of debt settlement agencies or you can do it yourself. Here we shall discuss about debt settlement yourself process. Analysis of Total Debt You should start debt settlement yourself process by analyzing total debts they owe. In the step you have to go through all monthly payments, interest rates and payment dates. Clearly check how . (Debt Management)

Debt Settlement The Best Choice!

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 Jerry Cole (November 10, 2008)  Debt is something which can only creates tensions in your life in a long term nothing else. Getting out of debt is not an easy thing it require lot of efforts and self motivation. There are a lot of programs through which consumers can get rid of debts which they are not able to pay. Some of most important programs are debt consolidation, debt settlement and bankruptcy. Every one of .. (Debt Management)

Best Debt Management How to Choose the Best Debt Management Service

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 Hector Milla (November 10, 2008)  These are difficult economic times and debtors nationwide start searching for the best debt management alternative, it can be debt consolidation or debt settlement, but working with the best rated debt management company is as important as the debt program selected, then a few tips in order to choose the right agency are always useful. Firstly, you will want to work with a trusted and .. (Debt Management)

Best Debt Elimination Lawyers Or Best Debt Management Service

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 Hector Milla (November 10, 2008)  Are you considering going with debt elimination lawyers because you think that is the only and best option to try? If you are facing serious financial troubles then debt elimination lawyers could be a good choice. However, if you are not at the point of bankruptcy for example a good debt management company could be just fine for you, let see some aspects that will help you to make a .. (Debt Management)

Debt Reduction Settlement Be Careful!

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 Jerry Cole (November 10, 2008)  Debt reduction settlement and the debt negotiation, one way or another is the same thing and used to achieve the same task, a debt reduction settlement for a debtor from his or her creditor, to pay a reduced amount than the actual amount taken. Where it is a very viable exercise for the debtor at certain stage of his debt, it is very much relaxing and either tempting for the creditor .. (Debt Management)

Medical Debt Settlement

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 Jerry Cole (November 10, 2008)  Among all the others, for an individual, medical debt settlement is not a new problem. As the daily life expenses are going up and economy is showing decreasing trends, not being able to run all from the pockets people usually chose to go with a loan. To bear medical expenses due to some unfortunate event where other daily routine life expenses and costs are going higher and higher it .. (Debt Management)

Debt Management Services - Manage Debts to Stay Tension-Free

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 Allan T Thomas (November 04, 2008)  Managing debts were never as easier as it is today. You are not required to spend sleepless nights thinking about the ways to get out of the debts. Whatever the number of your debts, if you follow the debt management services then success will surely touch your feet. For free debt management consult you can approach the online debt management experts. Other consultants are also there .. (Debt Management)

The Magical Debt Repayment Plan

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 Sean Goss (November 04, 2008)  The recession has pushed even the most financially responsible persons amongst us, into a debt crisis. The interest on arrear/late payments exacerbates the situation even further. The pile of bills is increasing, and it just seems that there is no way out. Or is there? Debt management to each household or business is unique. No matter how appealing any debt management program sounds, it . (Debt Management)

Why Are We in Debt? - The True Reasons!

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 Andy Eaton (November 04, 2008)  Many times, we see others as well as ourselves getting into the debt trap very easily. A deadly debt trap never allows the savings to remain with you. However hard you try to save money, you ultimately spend them on paying huge interests on your accumulated debts. So what all, does it take to save money and lead a care-free life without debts? To crack this puzzle, you need not think .. (Debt Management)

Why Should We Budget to Get Out of Debt

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 Andy Eaton (November 04, 2008)  When you think of securing your future with appropriate financial planning, the first word that must strike your mind is “budgeting". Financial planning is needed when your debts run astray and you just go out of your limits to reduce them. Many ways are suggested by many counselors, but budgeting stands tall amidst all the old and new ways to control debts. Debt-free life is what . (Debt Management)

Get Debt Counseling Before It's Too Late

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 Michael Geoffrey (October 21, 2008)  As soon as you become aware that you are in trouble with your credit card bills, due to late payments or inability to make your minimum payments, it is important to seek out the help of a debt counselor. Do this before you have collectors knocking down your door looking for their money. It is important to make a wise decision when it comes to your selection of a debt counselor. If you .. (Debt Management)

Credit Card Debt Reduction - Using Settlement Services and Consolidation to Get Out of Debt

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 Becki Andrus (October 21, 2008)  Credit card debt settlement is becoming increasingly popular as people are beginning to realize the importance of paying down debts and living within their means. There are different forms of credit card debt settlement to consider, but many people are finding the debt consolidation is the best option. Consumer debt can quickly add up, and many people find themselves buried too deep- .. (Debt Management)

How to Get Out of Debt - Three Keys to Begin to Get Out of Debt Now

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 A. C. West (October 21, 2008)  With the economy in such disarray, more and more people are questioning how to get out of debt. Unfortunately, debt is all to common with many of us owing money on our homes, cars, and other things. Even worse, some people are unaware of how much they owe or even what caused their debt. Regardless of your situation, now is the time to take steps to get control of your finances. Attack .. (Debt Management)

Debt Rising While Lenders Limiting Credit

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 Tiffany Dow (October 03, 2008)  With our nation's current economic status, you can be sure that getting a personal or home loan is going to require excellent credit from now on. It will become increasingly difficult for consumers to get any kind of credit as overall debt is on the rise with no end in sight. What is more is that all industry is being affected. Car sales are down simply because 6 out of every 10 cars .. (Debt Management)

Financial Planning Help - Control Your Shopping Sprees

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 W. M. Blake (October 02, 2008)  One of the lessons of sound financial planning is that we must learn not to spend more than we earn. It can be hard to do. Most of us need emergency financial planning help in this area. We succumb too often to the temptation of shopping sprees, and end up having to pay credit card debt for years to come. Yet saving $100 a month over the course of your career will make you more than a .. (Debt Management)

Debt Management Services Top Tips

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 Alexander West (September 30, 2008)  In choosing a debt management service, there are probably several different questions that might be running through your mind as you get a grip on your finances. If you're able to see past the fear of being in debt, then the questions you should be asking yourself are, which companies are not scams? How much are the fees? Are there hidden costs? How do I check out the authenticity of a .. (Debt Management)

Staying in Control of Your Debt

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 Alexander West (September 30, 2008)  Staying in control of your debt, will take willpower. If it was easy then you would be doing it right now and feeling comfortable. However, even though it is not easy, you can take back control and begin to put an end to the financial hardships you are facing. No longer is your only way out through bankruptcy. You have a few options you can look into. You can get a debt consolidation .. (Debt Management)

Facing the Financial Crunch

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 H. Les Brown (September 30, 2008)  Economist and Washington Post columnist Steven Pearlstein wrote this morning that most of those who are in charge of the governing of the world's economy just don't ‘get it:’ they've underestimated the severity of the economic crisis that's in the process of swallowing up the world's financial markets. I'm no economist: in fact, although I have a passing understanding about .. (Debt Management)

Beware of Debt Settlement Scams

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 Dee Power (September 30, 2008)  With the declining state of the current economy, more and more individuals are turning toward debt settlement as a means of eliminating their mountains of debt. Debt can cause stress and an overall decline in health. Creditors calling at all hours of the night even bothering you at your place of employment, no wonder many consumers reach a level of extreme desperation, even depression. .. (Debt Management)

Debt Management - Enhance Your Financial State

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 Gracie Bishop (September 30, 2008)  Any borrower may fall into a debt trap. When debt piles keep increasing, it becomes difficult to manage them and this gives rise to a number of problems. However the borrowers can have much needed funds respite once they take up debt management program. There are many techniques of debt management available to modern day borrowers but a borrower must know the technique of going for an .. (Debt Management)

Save Money at Resale Shops

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 Bill Loughborough (September 30, 2008)  Many consumers know that you can find good deals on pre-owned items at flea markets, Ebay, Craigslist, and various classified ads. In recent years, many franchise specialty resale shops have emerged on the retail market. These stores allow shoppers to shop for specific specialized goods and also may give you cash for your unwanted items. Below are some descriptions and web sites that .. (Debt Management)

Debt Management Program - How Does it Work?

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 John Thackeray (September 29, 2008)  It can be difficult to figure out exactly what services a debt management actually provides, especially with the bombardment of advertisements out there, promising one easy payment and an improved credit report. A debt management program can work to your advantage in a variety of ways; you just need to ensure you know what you are getting yourself into before signing on the dotted line. . (Debt Management)

Debt Management Solution - Approach the Experts to Be Debt Free

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 Gracie Bishop (September 29, 2008)  Debts may help you in managing your financial problems but at a time it will harass you too when the time to repay it approaches. Too many loans should not be adopted without thinking about the outcome. But still there are certain borrowers who have to face the harsh outcome of such incidents. They will get a proper relief only after taking help of the debt management solution. Such .. (Debt Management)

2 Simple Tools That Helps to Analyze Your Debt Status

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 Cornie Herring (September 27, 2008)  Debt warning signs must be detected early so that you won't trap yourself into serious debt problem. You may already heard about “10 signs of debt trouble" from everywhere like books, articles and brochures. There are however, a few diagnostic tools that used by many counseling agencies that are much more scientific than the “10 signs of debt trouble", because the tools will . (Debt Management)

Seeking Debt Counseling Help Before It's Too Late

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 E.S. Cromwell (September 26, 2008)  The time has come, my little friends, to think and talk of other things. . . things other than avoiding your current debt situation. And you know it's high time to do it, to simply get your self back on track with all issues concerning money. For far too long you have been impassioned in your efforts to spend in favor of your best, initial interests. Yet, you've failed to look ahead, in . (Debt Management)

How Debt Can Ruin Your Life and What You Need to Do to Overcome It

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 Josh Ramos (September 24, 2008)  For most of us, debt doesn't happen overnight. Instead, it sneaks in when we're not watching, and it slowly grows until we are completely overwhelmed by it. Unfortunately, this is the way that so many families end up in a mountain of debt. Debts can come for a variety of reasons. There can be many emergencies including medical expenses that were not anticipated and end up becoming .. (Debt Management)

Know Your Enemy - How Ben Stiller Can Help You Wage War on Your Credit Card Debt

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 Josh Ramos (September 24, 2008)  Have you ever seen the movie Zoolander? There is a pretty funny scene in which Ben Stiller makes a fool of himself when talking about education. His enemy is trying to defeat Stiller, but he tries to distract him from what's really going on by talking about charity. The bad guy shows Ben stiller a small model of a school which will soon be built for underprivileged children. The model .. (Debt Management)

The First Step to Take Charge and Reduce Your Credit Card Debt

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 Josh Ramos (September 24, 2008)  You may be thinking the first step to significantly reduce your credit card debt is to call your credit card companies and yell at them. Perhaps a few choice words would help in getting the point across as well. Well, that might make you feel a whole lot better, and there's nothing wrong with feeling better. However, this may not be the best move you could make. Or perhaps I should say . (Debt Management)

The One Secret You Absolutely Must Know to Avoid Drowning in Credit Card Debt

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 Josh Ramos (September 24, 2008)  Every month it's the same thing. I receive my monthly credit card statement in the mail and put it aside for later. Eventually, I finally get to it again and get the check in the mail. Month in, month out, this scenario played itself over and over again in my routine. For whatever reason, I became curious one day about my credit card statement and spent a few extra moments glancing .. (Debt Management)

How Do I Get Out of Debt in 4 Easy Steps

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 Izrul Fizal (September 22, 2008)  Almost everyday, someone in this country will ask the question, “How do I get out of debt?" This question has plagued many people in the United States on a daily basis. Many people have credit cards, doctor's bills, student loans, personal loans, and mortgages, which keep them in the revolving door of debt. This occurs from many months of paying interest charges that you .. (Debt Management)

Turn Debt Into Wealth - Fast!

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 Benjamin Robert Ehinger (September 22, 2008)  It is not a hard thing to do when you are talking about turning debt into wealth. It can be done in just a few years with some good discipline and patience. You will need to start by determining how much income you have. This is the first step in turning debt into wealth. You will also have to figure out how much you have going out. This is going to be your personal cash flow .. (Debt Management)

Got a Car Loan and Student Loans? 2 Ways to Improve Your Cash Flow

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 Kevin Ihrig (September 21, 2008)  A car loan and student loans - feels like you owe everyone money. Maybe a credit card or two. Debt really puts a crimp on your life. Let's look at 5 ways you can improve your cash flow. 1. Still a Student? Consolidate If you are still a student, think about combining your debts into one. You may want to consider your student loans in this role. Student loans offer typically low rates, .. (Debt Management)

Debt Checklist - Are You Carrying More Debt Than You Should?

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 W. M. Blake (September 17, 2008)  The amount of debt that a person can comfortably handle is of course as varied as people's individual circumstances. However there are some guidelines to consider when determining how much debt you can carry. Credit card companies risk a lot to extend as much credit as they believe they will receive payment on. But they don't extend credit blindly. They do their homework, checking .. (Debt Management)

Warning Signs of Debt Problems

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 Kiya Sama (September 17, 2008)  Most of us spend more time thinking about credit than we do about debt. That's because the majority of Americans have a relatively easy time getting credit. Preapproved credit card applications frequently arrive in the mail, and most of us carry around a fistful of credit cards. Also, it's more desirable to think about what we can buy as opposed to what we owe. And, besides credit .. (Debt Management)

Debt Consolidation and Management - Managing Debt Consolidation Loan

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 Arvind Singh (September 16, 2008)  Managing things is an important part of any activity. Such a way it also plays a key role in consolidating debt. Below is some of the information available. Let us see how it is important and to what extent. Desperately want to know more about it. Read this. . !! Debt consolidation and management is an important aspect of life for loaned people. Both management and consolidation are .. (Debt Management)

Soaring Energy Prices Cause Widespread Debt Problems

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 Andy Adams (September 16, 2008)  For many home owners 2008 hasn't exactly gone smoothly with the cost of living going through the roof with regards to almost every element of our lives; Car fuel, food, even the mortgages we buy our homes with have gone so high that they have priced many people out of the housing market as well as leading to many repossessions and delayed payments. The problems with Gas and Electricity . (Debt Management)

9 Simple Steps to Beat Credit Card Debt

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 W. M. Blake (September 15, 2008)  Everyone wants to know how to beat credit card debt, well, here's how I do it. . . I've put together a 9-step system for dealing with credit card debt. Actually, not just credit card debt, but any kind of debt. Using this system, you'll be able to get your debt paid off much sooner than you would think. I call this system the Debt R. E. D. U. C. T. I. O. N. System. Let me explain how .. (Debt Management)

Is Your Debt Getting Out of Hand? You Need to Start Damage Limitation

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 Philip McClarence (September 11, 2008)  When you are ready to take control of the situation, your first priority should be damage limitation - preventing the problem getting any worse by delaying legal action and preventing escalation wherever possible. Your basic strategy will depend on whether you need time to find work, sell an asset, or for some other reason. If you are playing for time, you have one overriding objective . (Debt Management)

Debt Problems - Know What to Expect From Your Creditors

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 Philip McClarence (September 11, 2008)  Creditors seeking to recover the money you owe them will generally follow a fairly predictable pattern of escalation designed to bring increasing pressure to bear, leading to threats and finally in taking you to court or appointing a debt collection agency. Some of the threats which are made, especially in the early stages, will be pure bluff - courts will generally not support extreme .. (Debt Management)

Debt Problems - Personal Contact With Your Creditors Can Make All the Difference

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 Philip McClarence (September 11, 2008)  There may be times, especially in the case of local creditors, where a personal visit to their offices will obtain results not possible if all exchanges are in writing or over the phone. Such visits should be arranged beforehand, and the appointment should be always made with an individual with sufficient authority to make final decisions which will affect your situation. By presenting .. (Debt Management)

Free Debt Management to Help You Fight Your Debt Problems

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 Alec Recce (September 10, 2008)  If you find yourself trapped in the debt trap, then it's time to get out of it. This is because a debt trap can actually makes you weak financially. If you have taken unsecured loans from various parties and can't afford to pay the same back then it's time to get help from debt management programs. If you are a citizen of U. K. then this program is going to be very helpful to you. .. (Debt Management)

Get Out of Debt - Top 7 Tips

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 Philip McClarence (September 10, 2008)  Debt is an ever growing problem for our society. Huge numbers of people are declaring bankruptcy every month and far more are struggling to meet their minimum payments. The effects of bankruptcy can be far reaching and can impact people's lives long after the bankruptcy has actually ended, making it difficult to obtain credit and even spoiling many employment opportunities when .. (Debt Management)

Common Causes of Debt - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  Once you are stretched financially, it only takes a small unexpected event to push you over the edge and make it very hard to get back out. Of course, being stretched is not the only starting point. Larger negative events can rapidly plunge you into debt and an untenable situation. One common cause would be unemployment. Downsizing and efficiency drives mean that many people who .. (Debt Management)

Debt Problems and Keeping Records - The Complete Guide to Debt

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 Philip McClarence (September 10, 2008)  Records - a stick to beat them with! Records are all-important! It is absolutely essential that you keep a full and complete record of everything which passes between you and your creditors, whether in letters and faxes, or as filing cabinet, find a sturdy cardboard or wooden box, or make one - anything will do, provided that it will keep file folders or large envelopes in a way which .. (Debt Management)

The Debt R-E-D-U-C-T-I-O-N System - A Proven Method to Wipe Out Credit Card Debt

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 W. M. Blake (September 09, 2008)  Be honest - are you one of those people who charged up too much stuff and now you're trying to find the best way to wipe out credit card debt? Don't beat yourself up about it - there are literally hundreds of thousands of people in this country who are in the same boat you are. Heck, I was there myself up until a few years ago (and I was probably in worse shape than you are). Excessive . (Debt Management)

Keeping Finances in Order Like a Business Can Help

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 Caden Flynn (September 09, 2008)  No matter your current financial situation, there are plenty of ways you can begin paying down debt, building up a necessary emergency cash reserve, and even setting aside money for investing. It's not easy living paycheck to paycheck, and it's no doubt causing plenty of stress. The bills eat up all of your income, namely those pesky credit card bills, and leave you little money to get . (Debt Management)

Dealing With Debt Problems

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 Alisdair Cosgrove (September 06, 2008)  Struggling with a heavy load of debt makes many of us feel that we would be willing to do almost anything to find some way to get free from it. It may seem that the debt will not ever go away when the balances stay high after the payments have been made. A proven solution for the current circumstances of debt is what is needed for this situation. If more than the minimum payment is .. (Debt Management)

The Dangers of Student Debt - Knowledge is Power

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 Matt Murren (September 05, 2008)  It sounds innocent enough. You go to college with the help of a student loan which promises you won’t have to pay a cent until after you graduate. Some even offer you a six month grace period to find a job and raise your income to match the payments you must begin making. In theory, this sounds good. In reality, there are hidden dangers which can quickly stack the odds against you . (Debt Management)




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