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subject: Credit Card Debt Relief – Things To Avoid When Resolving Your Credit Card Debt [print this page]


Credit Card Debt Relief Things To Avoid When Resolving Your Credit Card Debt

Perhaps the worst thing you can do to resolve any credit card debt issue is taking out money from your 401K funds. It is a bad idea and one of the reasons why is because you are going to make less money than what you applied for. Second, you cannot go on to supply your contributions until you have fulfilled your obligations and paid the loan in full. Third, there is a danger of acquiring more debt if you happen to be unemployed. You need to settle your loan immediately or you'll end up with fees for failing to pay promptly.

Refinancing options is a bad move unless your debts are secured. Tying your home equity to your existing debts may help you settle or reduce your debt if you play it right. However, you could end up losing your home and still have a huge amount to settle if you fail to keep up with the payments. In addition, you will also get a stain on your credit ratings if you ever lose your home due to inability to settle your debts.

Using new credit cards to settle your current credit card debts is perhaps one of the best ways to clear your name from debts. However, it is one of the most stupid things to do too. New cards, despite your noble intentions, can still add to your debt. The plan is should always be to only use them to pay off your debts and not make new ones. Sadly, many people cannot follow such plan and they end up seeking debt assistance.

Clearing your name from the pangs of credit card debt is a hard task to begin with. But there are solutions available that can help you map your way towards financial freedom. If your debt is too overwhelming, then considering help from a debt settlement firm is perhaps a good thing to do at this point. Having said that, it is also imperative that you choose the firm you are going to work with wisely. After all, they will be dealing with your financial future; you might as well pick the right one.

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function _leoHighlightsDebugLog(str)

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function _leoHighlightsGetAttrib(elem,id)

{ try { var val=elem.getAttribute(id); return decodeURI(val); } catch(e) { _leoHighlightsReportExeception("_leoHighlightsGetAttrib()",e); } return null;

} /** * Checks if this is within a frame by checking for a parent. * * @return */

function _leoHighlightsIsFrame()

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function LeoHighlightsDimension(width,height)

{ try { this.width=width; this.height=height; this.toString=function() { return ("("+this.width+","+this.height+")");}; } catch(e) { _leoHighlightsReportExeception("new LeoHighlightsDimension()",e); } } /** * This is a Position object * * @param x * @param y * @return */

function LeoHighlightsPosition(x,y)

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var LEO_HIGHLIGHTS_IFRAME_TOP_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOP_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOP_HEIGHT);

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var LEO_HIGHLIGHTS_IFRAME_BOTTOM_CLICK_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_BOTTOM_EXPANDED_WIDTH,LEO_HIGHLIGHTS_IFRAME_BOTTOM_EXPANDED_HEIGHT); var LEO_HIGHLIGHTS_DIV_HOVER_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOTAL_COLLAPSED_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOTAL_COLLAPSED_HEIGHT);

var LEO_HIGHLIGHTS_DIV_CLICK_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOTAL_EXPANDED_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOTAL_EXPANDED_HEIGHT); /** * Sets the size of the passed in element * * @param elem * @param dim * @return */

function _leoHighlightsSetSize(elem,dim)

{ try { // Set the popup location elem.style.width = dim.width + "px"; if(elem.width) elem.width=dim.width; elem.style.height = dim.height + "px"; if(elem.height) elem.height=dim.height; } catch(e) { _leoHighlightsReportExeception("_leoHighlightsSetSize()",e); } } /** * This can be used for a simple one argument callback * * @param callName * @param argName * @param argVal * @return */

function _leoHighlightsSimpleGwCallBack(callName,argName, argVal)

{ try { var gwObj = new Gateway(); if(argName) gwObj.addParam(argName,argVal); gwObj.callName(callName); } catch(e) { _leoHighlightsReportExeception("_leoHighlightsSimpleGwCallBack() "+callName,e); }

} /** * This gets a url argument from the current document. * * @param url * @return */

function _leoHighlightsGetUrlArg(url, name )

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} /** * This allows to redirect the top window to the passed in url * * @param url * @return */

function _leoHighlightsRedirectTop(url)

{ try { top.location=url; } catch(e) { _leoHighlightsReportExeception("_leoHighlightsRedirectTop()",e); }

} /** * This will find an element by Id * * @param elemId * @return */

function _leoHighlightsFindElementById(elemId,doc)

{ try { if(doc==null) doc=document; var elem=doc.getElementById(elemId); if(elem) return elem; /* This is the handling for IE */ if(doc.all) { elem=doc.all[elemId]; if(elem) return elem; for ( var i = (document.all.length-1); i >= 0; i--) { elem=doc.all; if(elem.id==elemId) return elem; } } } catch(e) { _leoHighlightsReportExeception("_leoHighlightsFindElementById()",e); } return null;

} /** * Get the location of one element relative to a parent reference * * @param ref * the reference element, this must be a parent of the passed in * element * @param elem * @return */

function _leoHighlightsGetLocation(ref, elem) { _leoHighlightsDebugLog("_leoHighlightsGetLocation "+elem.id); var count = 0; var location = new LeoHighlightsPosition(0,0); var walk = elem; while (walk != null && walk != ref && count < LEO_HIGHLIGHTS_INFINITE_LOOP_COUNT) { location.x += walk.offsetLeft; location.y += walk.offsetTop; walk = walk.offsetParent; count++; } _leoHighlightsDebugLog("Location is: "+elem.id+" - "+location); return location;

} /** * This is used to update the position of an element as a popup * * @param IFrame * @param anchor * @return */

function _leoHighlightsUpdatePopupPos(iFrame,anchor)

{ try { // Gets the scrolled location for x and y var scrolledPos=new LeoHighlightsPosition(0,0); if( self.pageYOffset ) { scrolledPos.x = self.pageXOffset; scrolledPos.y = self.pageYOffset; } else if( document.documentElement && document.documentElement.scrollTop ) { scrolledPos.x = document.documentElement.scrollLeft; scrolledPos.y = document.documentElement.scrollTop; } else if( document.body ) { scrolledPos.x = document.body.scrollLeft; scrolledPos.y = document.body.scrollTop; } /* Get the total dimensions to see what scroll bars might be active */ var totalDim=new LeoHighlightsDimension(0,0) if (document.all && document.documentElement && document.documentElement.clientHeight&&document;.documentElement.clientWidth) { totalDim.width = document.documentElement.scrollWidth; totalDim.height = document.documentElement.scrollHeight; } else if (document.all) { /* This is in IE */ totalDim.width = document.body.scrollWidth; totalDim.height = document.body.scrollHeight; } else { totalDim.width = document.width; totalDim.height = document.height; } // Gets the location of the available screen space var centerDim=new LeoHighlightsDimension(0,0); if(self.innerWidth && self.innerHeight ) { centerDim.width = self.innerWidth-(totalDim.height>self.innerHeight?16:0); // subtracting scroll bar offsets for firefox centerDim.height = self.innerHeight-(totalDim.width>self.innerWidth?16:0); // subtracting scroll bar offsets for firefox } else if( document.documentElement && document.documentElement.clientHeight ) { centerDim.width = document.documentElement.clientWidth; centerDim.height = document.documentElement.clientHeight; } else if( document.body ) { centerDim.width = document.body.clientWidth; centerDim.height = document.body.clientHeight; } // Get the current dimension of the popup element var iFrameDim=new LeoHighlightsDimension(iFrame.offsetWidth,iFrame.offsetHeight) if (iFrameDim.width 0) position.x = anchorPos.x + anchorDim.width; else if (anchorScreenPos.x - anchorDim.width - iFrameDim.width > 0) position.x = anchorPos.x - anchorDim.width; else // default to below position.y = anchorPos.y + anchorDim.height; _leoHighlightsDebugLog("_leoHighlightsUpdatePopupPos() - sideBottom: "+position); } } /* Make sure that we don't go passed the right hand border */ if(position.x+iFrameDim.width>centerDim.width-20) position.x=centerDim.width-(iFrameDim.width+20); // Make sure that we didn't go passed the start if(position.x




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