Getting a professional to do your debt reduction plan for you is not always satisfactory; especially if you are a perfectionist. You might actually prefer to do things yourself as you will know and be fully involved in the process of gaining back your financial stability. It is certainly admirable that you plan to take complete hands-on approach to settling your own debts but you have to be sure that you are mentally, physically and emotionally...more
Getting into debt is easy as there are many institutions willing and eager to lend you money. At the time of need, you don't question the rate of interest or how difficult it is going to be paying it back. The borrowed money gets spent just as easily as the earned money. Once the money is gone, realization dawns as now you have to pay it back.Ironically, managing your finances gets tougher now than it was when you had no debts....more
Our country has stringent debt collection laws that are enforced by the Federal Trade Commission (FTC) through a federal act known as the Fair Debt Collection Practices Act (FDCPA). The FDCPA has guidelines for fair debt collection practices. However, third party collectors resort to unethical and illegal methods that lead to harassment. Debt Collector Harassment in any form is punishable. No debt collection agency aspires to enter the radar range of the FTC lest it is black listed or red flagged by state Attorney General. Once a debt collector reaches the radar range of the FTC, he is in for trouble with a capital T. Should this happen the debt collector is in the process of being sued. Although it scares you to hear threatening words from debt collectors, if you consider the situation calmly and act wisely you can avoid a lot of unpleasantness. America has strict debt collection laws and violation of these laws by debt collectors calls for a fight. If you are harassed by a debt collector the first step for you to take is to find if the debt is legal. If you owe that debt you are legally responsible for repaying it. If you are being harassed for a debt that is not yours then you...more
Sometimes known as debt negotiations, a debt settlement basically means getting your creditors to agree to reduce your debt amount by up to 60% and you will usually be expected to make the final payment in one lump sum. Negotiations between the creditor and the debtor are integral into making a settlement. It is also sometimes known as debt...more
If you’re being crushed by the weight of too many debts and you’re desperate to get out from underneath, debt settlement may be the right option for you. A good debt settlement company can help you lower the overall balance on you debts, potentially even combining...more
So you decided to get smart and purchase a duvet cover for your bed. The only problem is that you can't figure out what brand of bedding to buy. With so many duvet covers out in the market today, choosing the right one can be pretty tough. You don't want to buy a "luxury" set and end up with one that is poor in quality and high in price. When you buy a luxury set, you want to make sure you are getting exactly what you paid for. Buying a luxury piece does not have to cost you a bundle. Many of us pay close attention to the price and not the product itself.I have used duvet covers for a couple of years now as an adult. I never heard about it growing up. My mom would only purchase comforters as the only bed covering for our beds. If mom would have known about the duvet cover, she would have saved a lot of sweat and tears trying to push the old comforter inside the small washer machine.I purchased my first duvet set online. I got it on sale for under $50.00. When I first received the set, I noticed that it did not look anything like the bedding I saw online. The cover looked faded and not bright and beautiful as the one shown behind the computer screen. I was a little...more
Sanitation and hygiene plays a very important role in the maintenance of the health of the members at home not just for a shorter duration, but also for lifetime. There are certain repairs for which there should not be any sort of compromise or...more
In 2010, the UK personal debt stands at more than amount the UK produces in a year, and so finding a solution for personal debts is crucial. Recently there has been a rise in IVAs, or Individual Voluntary Agreements, and whereas before this type of...more
Different kinds of debt situations need different kinds of debt help. What works for someone else might not work well for you. Every debt issue is unique and needs to be addressed from different angles in order to find the right solution. Finding the...more
Being financially free is the dream of almost every individual in the US. By living your life free of debts and the only person you owe money to is yourself, you will be considered financially free. But, as you may well know, many Americans have to...more
Debt settlement may be the cheapest and fastest way to clear your debts. Getting your creditors to reduce your principal amount by at least half and paying them all in at one go does sound like an ideal solution. But if you are thinking of doing all...more
Silk scarves with 100% organically dyed colours will be an eye-catching piece for any clothes attire. Scarves will be a magnificent assisting component for your clothes. For example, your special characteristics will be revealed by holding your long...more