Credit Education

               


Privacy and Security

       

             

 

 

Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Debt collection agency rules - There are important facts you need to know before you contact; or are contacted by, debt collection agencies.

Credit counseling - Learn about credit counseling and how to choose a good company.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Government debt consolidation loans - Truth about government loans to pay bills.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Track expenses - Free software to track where you spend your money most.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

 

 

 

Balance Transfer Debt - Before you balance transfer credit card debt, read this important article. It may be better to consider alternatives! Personal Debt Increasing - Personal debt increases, as Americans spend more than their disposable income, according to the Bureau of Economic Analysis Debt Settlement Facts - Is debt settlement right for you? Learn about the debt negotiation process. Ending the Debt Cycle - To end the debt cycle, parents and teachers must educate children on sound financial management and long-term planning. Economy and Debt - Are consumers digging a debt hole if the economy slows? Debt Consolidation and Debt Settlement - Learn the differences between bankruptcy, debt settlement and credit counseling. Pre-Bankruptcy Credit Counseling Bad News - In an effort to reduce the number of bankruptcy filings, the federal government passed legislation that requires debtors to first engage in credit counseling, AKA debt management, prior to filing bankruptcy. But is this back-firing and causing more debt problems? Divorce and Debts - Facts about Divorce and Paying Debts on an Individual or a Joint Spouse Account. Student Credit Card Debts - College student credit card debt is a tough lesson to learn, but credit counseling can help with those bills. Pay Off Debt Options - When you have available funds, should you pay off debt? What should you consider. Unknown Debt Collection Agency - Is a debt collection agency calling and harassing you about a debt you do not recognize? Know your rights. Consumer Debt Late Payments - Consumer debt has increased, resulting in late payments in multiple loan categories. Debt Settlement - Debt settlement is one option for people to consider who are too deep in debt for a repayment plan. Marriage Debt-Lock - Wedlock could become Debt-lock. Avoid and recover from marriage debt. Surveys reveal that money; mainly high credit card debt, is a leading causes of divorce. And debt can be especially troublesome if one spouse is amassing it behind the other's back. Although one spouse may be generating most of the credit card debt, both spouses are equally responsible for ensuring timely repayment. Good Bills VS Bad Debt - In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? Payoff Credit Card Debt - Solutions and alternatives to payoff credit card debt and stop more debt. Bankruptcy Debt - The clean start promised by bankruptcy is under attack as big lenders continue shaking money from the pockets of consumers whose debts were discharged by the courts. Fraud and Credit Scams Target Debt People - People with big debts are often targeted for credit scams and fraud. Credit Card Charge Off - As Christmas approaches and while shopping is in full swing, credit card charge off volume was higher this quarter. Debt Settlement Company FAQ - Can a debt settlement company really lower your debt so you can pay off in a few years? Unpaid Credit Card Debt - The amount of unpaid credit card debt escalates as spending continues. Payoff Debts Without Loans - Bills may be sticking up, but there are simple ways to payoff debts and without using credit cards and loans, and without counseling or to negotiate settlement. Long Term Plan to Pay Off Bills - Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. $7000 Debt Question - A CreditFederal.com visitor says: "I have about 7000 in debt. My credit is not good . I am looking to change that I do not have collateral to put down on the loan . Is there anyone who can help me. Please I'm desperate." CreditFederal responds: Since you have credit problems and no collateral, it's unlikely you'll be able to obtain a long term $7,000 loan, particularly at a favorable interest rate even if you could get approved.  What Is Unsecured Debt Consolidation - What is unsecured debt consolidation, the advantages, pros and cons over counseling and chargeoffs, or should you negotiate settlement? Credit Card Balance Transfer Debt - How to avoid; and get out of, credit card balance transfer debt that builds up by transferring balances. Manage Debt Yourself - Do-It-Yourself tips on how to manage debt to get finances under control. Should you chargeoff or payoff bills, consolidate or negotiate settlement? Debt Solutions - There are many debt solutions. Which one is right for you; and best, whether a debt consolidation loan, complete chargeoff, credit counseling or to negotiate settlement, depends upon your financial situation, goals, and personality. Christian Loans and 7 Year Debt - Why is unpaid debt removed from credit reports after 7 years? Why not allow bad credit report entries to remain long term, beyond 7 years? Stop Credit Card Debt Abuse - Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction. Calculate Debt And Payoff - Most Americans have some form of debt and that's OK, but what is too much debt and what are your options? Should you get a secured or unsecured loan to payoff debt, hire a nonprofit credit counseling agency to setup a repayment plan, combine bills with debt consolidation or negotiate settlement? Debt Collectors - No savings account and debt collectors calling? Even though options like credit counseling to setup repayment plans or debt consolidation loans to reduce bills, many Americans are facing a chargeoff or are negotiating settlements. Debt Collection Statute Of Limitation - Are old bills and debt collection agency phone calls troubling you? Read our article about the debt collection statute of limitation for how long creditors, bill collectors and debt collection agencies may legally pursue repayment. Money To Payoff Debt - Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Free Debt Relief Advice - Perhaps your credit mistakes are the reason why bills continually pour into your mail box despite debt consolidation efforts, struggles to payoff and/or to negotiate debt settlement chargeoffs. Read our free debt relief advice. Statute of Limitations Debt Collection Act - Rules and statue of limitations for debt collection. Learn how to deal with debt collection agency harassment and how to negotiate debt settlement. Download our free personal finance calculators so you can track  expenses and manage checkbook register entries. Debt Relief Tips - CreditFederal offers abundant resources to deal with debt, including professional services like credit counseling, debt management and debt negotiation, as well as do it yourself free debt relief tips. Short and Long Term Debt Relief - Even bad credit people have more than one option to get short or long term debt relief. Here are some options; other than asking family and friends for money, and a few warnings. Biggest Debt Mistakes - Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. How To Reduce Debt - It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Debts And Bills - Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses. Debt Free Money - The government free money (stimulus checks) may have stimulated the economy at the expense of digging consumers deeper into credit card debt with new expenses added to bills they already cannot repay. Consider credit counseling, debt consolidation, or negotiate chargeoff settlements. Stop Debt Save Money - Tips on how to stop debt and save money. Plus free personal finance calculator downloads to create budgets, assist with bill payments and free checkbook register software. Debt Collection Agency Negotiation - Cannot repay bills? Free tips for debt collection agency negotiation and sample payoff letter. Before you agree to a loan or credit card debt settlement chargeoff, read our advice. Debt Collector Verification - Free sample letter and advice on how to get a debt collector to prove you owe money. Stop Credit Card Debt - Charging too much credit card debt? Free tips on how to stop credit card charges, plus free computer software to track expenses. College Student Credit Card Debt - According to a survey, 1 in 4 college students incur $5,000 in credit card debt. Use our free financial calculators to create a budget and track expenses, and get a free credit counseling quote. Debt Settlement Vs Debt Consolidation - What is the difference between a Debt Settlement Program and Debt Management Plan (DMP)? With debt consolidation; also called a Debt Management Plan (DMP), you continue to agree to pay back every penny of the debt you owe, plus interest although the interest may be reduced. Many debt management companies tack a monthly service fee onto your monthly payment.  Debt Loan Advice - Free advice and tips on debt loan options. Consider offers and apply for a loan to payoff debt. Creditor Rejects Debt Settlement Negotiation - What to do if a creditor rejects your debt settlement offer and refuses all negotiation. File bankruptcy with an attorney or get professional debt counseling consultation? There have been news reports of homeowners; behind on mortgage payments, have ceased rendering payments and are forcing lenders to renegotiate the loan terms. In all actuality, this is not a good thing to do.  Can Debt Collectors Put Me In Jail - One question often received is: Can debt collectors put me in jail for not paying my bill? If you need help, consider credit counseling, professional debt negotiation or do-it-yourself free debt settlement. Truth: Debt collectors cannot put you in jail for not paying your bill. But that doesn't stop debt collectors from trying all sorts of underhanded tactics to get you to pay.There are no 'debtor prisons', and being in debt is not a crime.  Payoff Credit Card Debt - Free financial tips on how to payoff credit card debt. Use our online calculators or download our free software to your desktop to help you manage personal finances and track expenses, or get assistance like credit counseling, debt management or to negotiate settlement. Old Debt Collections - Are old debt collections resurfacing? Zombie Debt Collectors will try to get you to payoff old obligations like credit card debt. Learn how to respond, debt statute of limitations and your rights. Fighting Old Debt Collection Attempts from Zombie Debt Collectors Definition of Zombie Debt: old debt purchased by debt collectors with the goal of intimidating borrowers into paying off the debt.  Fake Phantom Debt Collectors - Don't be a victim of fake, phantom debt collectors. Know your rights under the Fair Debt Collection Practices Act. If you do have bill paying problems, consider credit counseling or negotiate debt settlement. Stop Debt Collection Agency Calls - You have the right under federal law to stop debt collection agency calls. Tools and sample letter for you to send to stop harassing collectors. Also consider credit counseling and debt settlement. Harassing Debt Collector Fined - A harassing debt collector was fined $2.25 million. Review federal regulations and rules that protect your rights. If you need help with a debt collection company, consider do it yourself free debt settlement, credit counseling or an unsecured debt consolidation loan. Consumers like you help fight against harassing, threatening debt collectors. Credit Card Debt Advice - Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankruptcy or to reduce payments. Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy - Put debt tools to work for you. Create a budget and learn about your debt relief solutions including debt management, debt consolidation, debt settlement, credit counseling and bankruptcy. Download our free budget software and our free electronic checkbook register to track expenses. Credit Card Debt Default - Interest rate hikes to offset high risk may be increasing credit card debt defaults and worsening the credit crisis. It's like an unsecured loan version of the mortgage mess. For debt relief, consider a debt settlement chargeoff, credit counseling or an unsecured debt consolidation loan. High Rate Credit Card Debt - High interest rate credit card debt could result in bank credit limit decreases, even higher rates, and subsequently maxing-out and getting hit with over limit fees. If your credit card debt is a financial burden leading you to bankruptcy, take action now with credit counseling, debt consolidation or perhaps negotiate a debt settlement type of chargeoff. Debt Collectors Violating Do Not Call List - Are debt collectors violating the do not call list and harassing you? Learn your rights, like sending a cease and desist letter or a debt verification, and learn the debt statute of limitations. Free Debt Collection Agency Tips - Free debt collection agency tips and your rights to help you deal with harassing bill collectors. Credit Card Debt Relief - Secured and unsecured loan options, counseling, debt settlement chargeoffs and other tips for credit card debt relief. Cant Make Credit Card Payments - When you cant make credit card payments or even pay the minimum due, you have options which include an unsecured debt consolidation loan, credit counseling, debt management, or you could negotiate a debt settlement chargeoff or file bankruptcy. Get Out of Payday Loan Debt - How to get out of payday loan debt. Your rights and solutions and tips other than filing bankruptcy for even the most desperate people. Negotiate repayments, get a debt consolidation loan, lower fees with credit counseling or chargeoff a portion through debt settlement. Free Tax Assistance for Seniors and Low Income and Tax Debt Help - There could be help for getting taxes prepared if you are low-come or elderly as the Internal Revenue Service is expanding and forming partnerships with community organizations to help these taxpayers get service. This service is through the VITA or "The IRS Volunteer Income Tax Assistance" program and is for those who earn less than $42,000 and the TCE or "Tax Counseling for the Elderly" for taxpayers who are age 60 or older. Tax Debt Help - You don't need a tax attorney to help you get tax debt relief, nor do you need a loan to pay taxes. The IRS offers free tax debt help to settle for a lower amount owed without filing bankruptcy. You've seen the ads on TV... an attorney offers tax debt help to settle your IRS debt for pennies on the dollar. Can they really do it? Yes. BUT so can you, on your own, without having to pay lawyer fees and without filing bankruptcy.  Stop Bill Collector Calls and Threats - Free tips to easy stop bill collector calls and threats by learning your rights. Stop debt agency harassment, plus advice on how to negotiate settlements. Sample debt verification and debt settlement letters. Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company - Review the main pros and cons of Do It Yourself Free Debt Settlement VS a Professional Debt Negotiation Company to chargeoff bills and high balances. Student Credit Card Debt - Student credit card debt is on the rise. To help payoff credit card balances, consider a student consolidation loan to free up monthly money, balance transfer credit card balances to a 0 intro card offer, then use the savings to make higher repayments. Chargeoff Credit Card Debt and Rebuild Credit Score - It may take time, yet eventually you can rebuild credit after you chargeoff credit card debt. Review our free tips on how to negotiate debt settlements with creditors, and advice on how to rebuild credit. Chargeoff Credit Card Debt To Avoid Bankruptcy - If you are near bankruptcy, you may want to chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. The credit crisis and bumbling government legislation have created a catastrophic domino effect. After consumers had tapped out their mortgage equity and had no where else to turn, they ran up credit card debts.  Settle Credit Card Debt - Some consumers have been living off their credit cards by using them for simple things like rent, groceries, or other basic expenses. One reason may be that many consumers have lost their jobs during this economic crisis. Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Did you know? A debt settlement company is more experienced and can negotiate a larger settlement amount. Free Tips to Avoid Credit Card Charges - Running up big balances on your unsecured credit card or store retail card and paying high interest? Review these free tips to avoid credit card charges. If you can't repay debt, consider counseling, debt management, an unsecured debt consolidation loan (for homeowners) or perhaps negotiate debt settlements. Debt Arbitrators Code of Ethics - Review the Code of Ethics of the International Association of Professional Debt Arbitrators  Apply for Debt Settlement or Counseling - Click Here - Preamble and Applicability -This Code of Ethics (the "Code") has been adopted by IAPDA to provide principles and rules to all persons whom it has recognized and certified to use the "CDA", "Certified Debt Arbitrator" and "CDS", "Certified Debt Specialist" designations. Free Debt Advice - Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Old Debt - "Old Debt" used to indicate debt that was several years old, but now it has another, new definition: debt owed by elderly persons. Not only do single parents struggle with bills, but now even your grandparents may be experiencing elderly debt problems. Don't think that grandma and grandpa may be living a nice retired life without any debts. It seems that the older generation may be the ones who have debts that are above $10,000 and growing.  Credit Counseling VS Debt Settlement VS Bankruptcy Filing - When you need debt relief, your three big options are credit counseling, debt settlement and bankruptcy filing. Review free tips before choosing. Who Pays Joint Spouse Debt - Who pays joint spouse debt after divorce or during marriage separation? What are creditor and law rules? Before divorcing, settle debts either with a payoff loan, debt settlement chargeoff, or refinance debt in one spouse's name. Lower Credit Card Balances - A federal government report reveals lower credit card balances for consumers. If you can't payoff credit card balances, get free debt settlement, credit counseling and debt consolidation quotes. Previous articles: Balance transfer credit card - How to safely transfer balances to a 0 intro card. Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company. Getting out of Joint Credit Card Debt - Information about applying for and getting out of joint credit card debt. Submit a joint credit card account application or apply for joint spouse debt settlement. Credit Card Debt Relief Options - Learn the processes for credit card debt consolidation and credit card debt settlement and choose the debt relief option that is best for your financial situation. Get Out of Debt Free and Fast - Learn tips on how to get out of debt free, fast and easy. You can also get professional advice with a credit counseling, debt consolidation loan or debt settlement company. Legitimate Debt Relief, Consolidation and Settlement - You can get out of debt. There are many legitimate debt relief options, including debt consolidation, debt negotiation, and do-it-yourself free debt settlement. Debt Settlement Advice - Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice. Credit Card Debt Settlement - Credit card debt settlement, also known as debt negotiation and sometimes as a balance chargeoff, may be a good option if you are burdened by credit card debt to the point of filing bankruptcy. What Is A Debt Management Plan - Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Counseling, Consolidation and Other Debt Relief Options - Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Debt Management Counseling Info and Advice - Debt management counseling information and free debt relief advice. Credit Card Charges can cause Long Term Loan Debt - Credit cards are a money management tool that can be used as a short or long term loan, so building credit card debt can happen quickly and easily with high outstanding balances. Debt Management Tips - Free debt management tips and advice on how to get bills under control. Secured and Unsecured, Paid and Free Debt Relief Programs - Just as there are many different types of secured and unsecured debt, there are almost as many debt relief options both free and paid, including filing bankruptcy, personal budget debt management, debt settlement negotiation and credit counseling. Credit Card Christmas Debt - Advice and free tips to help avoid Christmas debt, and options to settle debt, payoff bills, or to use credit counseling or an unsecured debt consolidation loan. How to get out of payday loan debt - Looking for a way to repay payday loans, or to negotiate a payoff settlement? Debt Management Plan Advice - Review our free debt management plan advice: Organizations that advertise credit counseling often arrange for consumers to pay debts through a debt management plan (DMP). In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they've worked out with you and your creditors. How to Tell Debt Collectors Not to Call - You have the Right to Tell Debt Collectors Not to Call You - Read our Free Tips If a debt collector is calling constantly about debts; whether you actually owe or not, you have the right to tell them not to call you. Many consumers have resorted to changing phone numbers or disconnecting their phone due to the constant harassment of debt collectors. College Debt Grant Question - Zachary asks: "What Grant programs if any can a veteran apply to for student loan debt. I owe over $90,000 in student loan debt. I have under $30,000 in past Credit Card debt. We've already consolidated everything as much as possible. I have 10% service related disability. Please help if you can. "Answer: Thank you for visiting our site and for submitting your advice request. Higher Loans with Lower Interest Debt - The federal government is expected to further cut interest rates, which could mean bigger secured and unsecured loan amounts as well as higher credit card lines of credit with lower interest debt. Interest rate cut could generate higher loans and credit card lines of credit while reducing new overall debt balances. The Federal Reserve prepares to lower interest in a continuing attempt to help our struggling economy. It's simple math. Sample Debt Settlement and Negotiation Letter - The sample letter below is intended to be used as a comprise letter to creditors. VIA CERTIFIED MAIL RRR # (PUT THE NUMBER OF THE CERTIFIED MAIL RECEIPT HERE) YOUR NAME YOUR ADDRESS CITY, STATE, ZIP CODE Today's Date Place collector's name here Collectors address Collectors city, state, zip RE: Acct.# 5555554441Dear (who ever you spoke with): As we discussed, I became unemployed and was no longer able to pay on my account. Zombie debt collectors - There are Zombie debt collection companies that buy bad debts for pennies on the dollar and then hassle you to pay, many operating in violation of federal law. Debt Consolidation Loan - Apply for a debt consolidation loan, or for nonhomeowner debt consolidation. Who qualifies? Read our debt article! Credit Card Debt - Tips to avoid and how to get out of credit card debt.  If you need professional help, use our preferred resource to eliminate credit card debt. Click below to read this article. Bill Collector Bad Debt Collection - A new scam against credit consumers involves debt collection agencies inventing past due bills and demanding repayment. Inventing fake debt and trying to get money from consumers who don't even owe. According to The Consumerist, One such collection agency (Moreno and Woods), made up a debt and lied about a court judgment to get a consumer to pay $20,000. Credit card debt cancellation letter - You cannot simply stop paying credit card debts you had accrued. Even if you send your credit card company a cancellation letter; and even if you tear up your card, you are still responsible for paying any and all unpaid charges, transfers and fees. Debt Glossary - Credit and Debt Definitions Dictionary - authorized user - A credit card authorized user is someone who is able to make purchases on a credit card, but isn't legally liable for the credit card balance. annual fee - a yearly fee ranging from $15 to $300 charged by the credit card company for the convenience of the credit card application fee - the fee charged by a credit card company or bank for processing your application for credit APR - annual percentage rate average daily balance Get Out of Christmas Credit Card Debt - Free tips and advice on how to get out of Christmas credit card debt. Did your credit cards gain a few pounds over the holidays along with you? It is fun to make charges on credit cards during the holidays and see the joy that gifts bring. That is until the credit card statements glare at you from inside the mailbox. Just like we put on extra pounds - so will credit card balances during the holidays. Christmas Debt Personal Loans - A long term debt consolidation loan to payoff Christmas credit card bills. Homeowners can use the equity in their homes to obtain a low interest, long term debt consolidation loan, and use that money to payoff high interest debt. Depending upon their current mortgage interest rate and their refinance rate, they may also be able to reduce their mortgage payments. Review lender Terms & Conditions before signing a loan agreement. Chargeoff Christmas credit card debt - File bankruptcy or chargeoff Christmas credit card debt and other unsecured bills. If you've exhausted all solutions for meeting your financial obligations, it may be in your best interest to file bankruptcy. Although bankruptcy is much the same as simply not repaying debt, it's a legal chargeoff procedure. Ways to payoff Christmas credit card bills and debts - You could use gift cards, cash, credit counseling or debt settlement to get rid of Christmas bills. Sue a Debt Collection Agency and Reasons to Pay a Collector - Yes, you can sue a debt collection agency for violating regulations, yet there are good reasons why you should pay debt collectors instead of defaulting. Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? One way to get a relatively low interest, long term loan is to use the equity in your vehicle to secure a loan. If you still owe money on your auto and don't hold the title in your name due to a lien, apply for a refinancing loan.  Debt Collection Agency Contact Phone Number and Address - Below is an alphabetical listing of debt collection agencies with contact information such as telephone number and/or mailing address.  A2z Judgment Recovery Services PO Box 23758Flagstaff, AZ 86002Phone (928) 814-6116AAA Credit Service Collection Agency520 N. Brookhurst St #204Anaheim, CA Phone (714) 533-6676AAA Judgment Recovery Services4579 Laclede Ave. S204St. Louis, MO 63108 Phone (314) 603-1825 Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - A reader asks: "I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? " Answer: You can win with either option. The option which can save you the most money is to payoff credit card debt. You would save the card's interest charges you would have had to pay, which is a far higher rate than what a typical bank savings account pays. Signs of Debt Relief Scams - Whatever the reason: Inflation; Insufficient Income; Inability to Maintain a Budget or just too Stubborn for Saving; some of us get so desperate that we look before we leap when selecting debt relief. Of course not all debt relief companies are scams, yet some do engage in illegal or deceptive practices. To avoid scammers all you need to do is watch for telltale signs and verify references from legitimate resources. Secret Tricks Debt Collectors Use - Divorce, bankruptcy and even dead debt beyond the statute of limitations can be resurrected as Zombie Debt through secret tricks debt collectors use. Before You Answer Debt Collector Calls - Before answering debt collector calls, first understand your rights and be wary of mistakes other people often make. Stop Payday Loan Debt Borrowing - Are you realizing you have become dependent on payday loans? If so, that's actually a good sign as it means you are recognizing a problem. One which you otherwise can't fix without first acknowledging. When asked why payday dependent people continually obtain these short term loans, a common response is that they are low on funds and have bills due. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Settle Deceased Person's Debt - When a relative or other loved-one dies, you certainly don't want to be hounded by debt collectors who are ghoulishly seeking debt payment. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Track Down Original Creditor for Debt Collection Agency - Don't payoff someone else's debt collection agency. Track down the original creditor to make sure you owe the money. Non-Dischargeable Debt Bankruptcy Lawsuit - You file bankruptcy to avoid repaying debts, but then a creditor files a non-dischargeable debt lawsuit to ask the judge (court) to determine the debt owed is non-dischargeable. This lawsuit is often based on the debtor obtaining the credit through fraud or a false financial statement. Christmas Debt Consolidation Loan - Get a Christmas Debt Consolidation Loan to payoff credit card bills in full. Review the benefits and compare lenders. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. This holiday snowball can end up causing extreme financial stress on you and your family. If you've accumulated a mass of credit card debt which you simply cannot afford to repay and if you have no other options, you may want to consider a Christmas credit card debt settlement.  Smartly Recover from Christmas Debt - What is the smartest way to recover from Christmas Debt? Review these tips. Christmas Credit Card Debt Statement - How your Christmas credit card debt statement knocked the holiday spirit out of you? Check this out. Debt Help with Payday Loans - You can get debt help with payday loans with debt consolidation or do it yourself negotiation. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself You don't need to hire a company and pay fees to charge off Christmas credit card debt. You can do it yourself, free. Debt Help Without Ruining Credit - Here are ways to get debt help without ruining credit scores and may even improve. What Debts are Discharged in Bankruptcy - An example listing of what debts are discharged in Bankruptcy, Chapter 7 and Chapter 13. Common Debt Terminology Definitions - What is the meaning of... Common Debt Terminology Definitions Account Payable: Any amount owed as the result of a purchase of goods or services on a credit basis. Although a firm making a purchase issues no written promise of payment, it enters the amount owed as a current liability in its accounts. Companies often incur this type of short-term debt in order to finance their inventories, especially in industries where inventory turnover is rapid.  Junk Debt Collectors of Old Bills - Junk debt collectors of old bills are relentless in their pursuit of profit. Debt Help for Unemployed People - Review these free tips and options which offer debt help for unemployed people. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills. Writing Off Debt Legally - Legally write off debt and have it forgiven What Happens to Debt After Seven Years Statute? - After seven years or other length of debt statute of limitations has been reached, what happens to the old debt?*Seven years is a common time span for most debt statute of limitations. After the limitation has passed, many negative items can be deleted from your credit report. That includes things like late payments, debt collections and charged-off accounts.  Government Debt Relief Company Rules - Federal government debt relief company rules to protect consumer rights. Government Debt Agency Regulations The government Federal Trade Commission has issued rules for any company or agency which sells debt relief services to consumers over the phone in order to make a profit. The rules affect debt settlement, debt negotiation and credit counseling companies who call consumers to get them to hire their services.   Debt Consolidation Loan for Bad Credit People - The immediate solution considered for getting bills under control is to consolidate. Yet debt consolidation for bad credit people may not be available without some form of collateral. what happens when you have high debt and bad credit, is that you become a very high risk to lenders. Lenders worry that if you are having trouble paying your current bills, how likely will you be able to repay an unsecured loan?  Is My Debt Too High - Most everyone's debt is too high, and not just individuals either... even the US government is in deep debt. Current US debt is over $17,500,000,000 (that's 17 trillion) President Obama: Added $5.081 trillion, a 44% increase to the $11.657 trillion debt level attributable to President Bush at the end of his last budget, As for individuals...U.S. household consumer debt:* Average credit card debt: $15,191* Average mortgage debt: $154,365*  Bad Debt Management Company Red Flags - Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little. You can consult The Association of Independent Credit Counseling Agencies; a national association of non-profit credit counseling agencies, for a list of member companies. Members of the AICCCA must be non-profit credit counseling agencies who are properly licensed to business in their state. Debt Help for People on Benefits - Debt Help for People on Benefits, SSI or Senior Citizens Question: Can my SSI disability benefits be seized to pay credit debt? SSI disability benefits can never be taken to pay any type of debt, since they are intended to pay for subsistence-level food and shelter for the recipient. Even a lump-sum SSI check for back payments or accumulated SSI benefits in a savings account may not legally be garnished or seized.  Payday Loan Debt Settlement - Payday Loan Debt Settlement is one option for people who no can no longer qualify for unsecured credit cards, thanks to Democrat Party regulations.  Click Here to Get Out of Payday Loan Debt Since payday loans are one remaining life-line of credit for millions of Americans due to Democrat card regulations, it's the financial source most often used. Unfortunately, overuse of most anything can lead to problems. Credit Card Company Debt Hardship Program - How a Credit Card Company Hardship Program Works for Balance Debt Relief Reduce Bills - You can reduce bills free on your own or you can get professional debt reduction assistance online. Good Bills VS Bad Debt - In regards to loan repayments, there are good bills and bad debt. What items should you borrow money for? $10000 Loan for Credit Card Bills - Need a $10000 loan to payoff credit card bills? Here's where to get it. Online credit card and loan applications. Long Term Plan to Pay Off Bills - Long term plan to pay off bills and be debt free within one year without counseling, settlement, nor a consolidation loan. Money To Payoff Debt - Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount. Biggest Debt Mistakes - Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling. How To Reduce Debt - It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer. Debts And Bills - Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses. Spouse Died with Credit Bills - What you should do if your spouse died and left behind unpaid credit balances and other bills in the spouse's name.1) Check to make sure the bills are legitimate, that some scam artist who pilfered through the obituary is not trying to fraud you out of money. If you're not sure of the legitimacy, write to the creditor and ask for an explanation.2) Pay the bills timely as was done before your spouse's death. Free Debt Advice - Free debt advice. Learn debt signs and review free tips on how to control, manage and payoff bills including a personal budget, credit counseling, negotiate debt settlement or an unsecured debt consolidation loan. Go To Jail For Not Paying Bill - Can you go to jail for not paying bills? Learn your debt protection rights and avoid being a scam victim. Pay Credit Card Bills for Rewards - When you pay credit card bills on time, it's not uncommon to be offered better rewards credit cards and lower interest. If you cannot pay credit card bills, consider options. What Is A Debt Management Plan - Learn what is a debt management plan (DMP) so you'll know if it or debt settlement is best for getting bills under control. Download our free budget tools and expense tracking software. Counseling, Consolidation and Other Debt Relief Options - Review all your debt relief options, including credit counseling, debt consolidation and other ways to payoff bills. Chargeoff Credit Card - Chargeoff credit card debt, unsecured bills. Read this debt article and do-it-yourself or click for professional help. Need Loan to Pay Bills - A visitor requests advice regarding personal finance situation. The visitor writes: "I hope I'm not wasting anyone's time, but we are in a desperate situation and I'm hoping your company may be able to help us. I was sick for over 3 years and being self employed and not able to have medical insurance, it completely destroyed our finances and credit.  Christmas Credit Card Bills - Christmas credit card debt? Get help to eliminate or pay off Christmas bills. Read this article! Ways to payoff Christmas credit card bills and debts - You could use gift cards, cash, credit counseling or debt settlement to get rid of Christmas bills. Medical Bills Bankruptcy Filing - You have options to file for medical bankruptcy: Chapter 13, 11 or Chapter 7. Medical Debt Collection Dispute - If you received a medical bill you do not agree with or does not belong to you, here is how to write a medical debt collection dispute letter. Banks that Offer Debt Consolidation Loans for Personal Bills - Review a select list of banks that offer personal debt consolidation loans. Unpaid Medical Bills Affect Credit Score - Currently unpaid medical bills are identified on credit reports. The main reason why is that it provides lenders with a great gauge to measure how much you can afford to borrow and repay. Someone with $5,000 in unpaid medical bills; for example, isn't like capable of affording a $3,000 loan. Yet here's an amazing fact... you can still find lenders who ignore outstanding medical bills since more and more people have these expenses.  Junk Debt Collectors of Old Bills - Junk debt collectors of old bills are relentless in their pursuit of profit. Debt Help for Medical Bills - Ways you can get debt help to handle medical bills.

  

  

   

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 

  

Looking for a government debt consolidation loan? Learn facts about govt loans. The internet makes it easy to search for government grants and federal assistance.

 

Is there a government debt consolidation loan for individuals?

We are not aware of any government debt consolidation loan programs for individual, private citizens. Per our research, federal government resources recommend credit counseling for individuals who are unable to get debt under control on their own.

                  

Personal Loans up to $35,000
    
Pay Over Time
    
Safe & Secure Application

Approval In Minutes

  
   

         

You don't need a government debt consolidation loan.

nonprofit credit counseling

Consumer credit counseling
(also called debt management):
Your debt is combined into one lower monthly payment to make it easier for you to meet your financial obligations.

unsecured credit settlement

Debt Settlement
(also called debt negotiation):
The principal balance of your debt is negotiated to reduce the balance owed and get you out of debt faster.

  

 

Apply now to see how credit counseling or debt settlement may benefit you.

 

Get a non-profit credit counseling or a free debt settlement quote online. Even non-home owners can enjoy unsecured debt consolidation and debt negotiation.

Learn who qualifies for a debt consolidation loan and review options to get out of debt.

Don't know which debt program is best for you? Compare credit counseling vs debt settlement to help you decide which one offers the best benefits for your situation.

Whether you choose a credit counseling agency or a debt settlement company, either program can only help you with unsecured debt. Find out what types of unsecured debt qualify.

There is no such thing as a non home owner debt consolidation loan. You may; however, use other alternatives to reduce payments or to get a loan to pay off debt.

 

There are government grant programs, unclaimed money, unclaimed property, SBA grants to start a business and private grant foundations for women, minorities and veterans. Research free with us and pay no fees. Absolutely no credit card required.

   

Visit our FREE Gov Grants page for access to govt. grants, federal assistance, unclaimed money and unclaimed property.

  

Credit Federal no fee links to free govt. grants, unclaimed money, unclaimed property, financial and government assistance. Research free to determine your eligibility for grants or govt. assistance.

 

Search for free grants for debt relief. Check for federal assistance programs and grants for low income people.

 

Need more information? Read our financial and credit articles related to government grant, and join our online financial newsletter.

 


Debt

   

Having debt issues and discussing financial problems with a partner can be difficult. Many times there is one person who takes care of the family budget and takes responsibility for paying the bills. There can be conflicts when it comes to talking about how or where to spend the money. It can be frustrating when one person likes to spend money and the other wants to save more money. When debt problems arise there can be more stress that could cause bigger problems in a relationship.

 

Having a savings account to fall back on during a financial crisis has helped many people. Yet, a lot of people do not have a savings account, or they may not have much money saved if thousands of dollars may be needed during times of financial troubles. Things like unemployment or medical problems have caused many Americans debt problems that were not expected. Discussing money and finding options can sometimes lead to nowhere and may require an outside credit counselor who can give some choices for solving the problems.

 

Being honest might help, so a plan can be made as quickly as possible. As hard as it may be to discuss debts, they will not disappear when ignored. The first thing is to make a list of all the debts and exactly how much is owed on each one, and then get a total amount. This lets you know a figure that you must work with. If for example, there is $200,000 in debt, and it would be impossible to pay it off, an option may be to file bankruptcy or try debt settlement. However, if only $3,000 is owed on debts, devising a budget and working with creditors who will adjust the monthly payments for a while, may be a good choice instead of rushing into another debt relief option.

 

Financial mistakes happen every day and it is best to learn from them and go forward. Solving debt problems can take some time and requires work from all partners. It may require being very frugal and living on a tight budget so all bills get paid on time or paid off. Learn how to save money from each paycheck, even if it is only five dollars. Track spending habits and get on a budget, there is free personal finance software available to be able to click in some numbers and see some figures. Not knowing how much money is wasted from every paycheck will not help pay down debts. Use every penny wisely.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

NeedHelpPayingBills.com Review - Grants are available, and can even be used to help with paying bills.

Each and every year private foundations, states, and the United States Government give away billions of dollars in free grants from their programs. Sadly, most people do not know that these free grants exist. Find a listing of state as well as local assistance and grant programs.

Why does the government and private industry give grants?
Every year the federal government provides billions of dollars to various agencies to give grants to US citizens.

Most people never even apply for a free grant as they think it isnít for them, they do not know who to contact, or they think there is too much red tape. However, the truth is that people from all over the country, from all walks of life, receive free grant money and other benefits from the government, and so should you. How to find government grants.

If you need help with bills, contact a charity.

If you need help with paying your rent or bills, including your electric or heating bills, you can look into the following local and national charities and non-profit organizations. Various programs and services are offered by charities, as noted below.

* Contact a local community action agency or non profit organization in your county.
* National charity organizations provide programs for all states. Many of the groups and organizations will also provide help with other bills, such as food, health care expenses, your rent and medical bills, and some can also assist you with paying down your debt.
* Find information government assistance programs offered by your state.
* Grants to help with paying bills.
* Payday loans (or lower cost Salary Advance Loans) that can provide you with cash overnight.
* Mortgage help is also offered by various agencies, charities, and government programs.
* Or read about ways to get help with paying for prescription drugs, receive free medication, and also free medical care.
* Consider contacting a credit counseling company that can help you save on your credit card debt.
Find a listing of free or low cost non-profit credit counseling agencies.
* In addition, it is possible to make extra income from work at home opportunities, or online surveys/sampling new products. This extra income can also go a long way towards paying bills and debt.


 

Can I sue a debt collection agency? Yes, you can sue a debt collector who violates your rights. Examples of violations include continued calls after you've sent a cease and desist notice, the collector informs an unauthorized third-party about your collection, or a debt collector threatens to have you arrested and put in jail for a debt. The most important step of how to sue a debt collection agency, is to keep track of your conversations with debt collectors. After you talk to a collector over the phone, write down the collector's name, summarize what was said, especially any specific threats or promises made. Keep your notes for a few years even after you pay the debt just in case the collector alleges you didn't fulfill your agreement or that you never paid.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 
PremierDebtHelp.com Review - Copyright © 2009 All Rights Reserved - Premier Debt Help, LLC

Credit Card Debt Help Company - Debt settlement is the best choice for people who are looking for serious credit card debt help. Debt Help is a debt resolution option for unsecured debt that is based on negotiations between the creditor and debtor. The goal of debt settlement is to enable you to pay off your debt for approximately 50% or less than the amount that you owe. The benefits of credit card debt help with debt settlement are immense. Not only will you be completely debt free, but you will also become debt free quickly. Debt settlement programs usually last 12 to 36 months. Thatís much faster than any other form of credit card debt help. Premier Financial Debt Help is a leading debt settlement company that offers credit card debt help in the form of debt settlement programs. After enrolling in our debt settlement program, you will meet with your debt settlement coach and begin receiving free credit card debt help. Our credit card debt specialist will review your debt and design a plan for your credit card debt settlement. Next, negotiations will begin with the credit card companies that you owe. To learn more about credit card debt help with debt settlement, please take a moment to fill out our no obligation debt settlement form.

Debt Settlement - Debt Settlement, also known as debt negotiation, involves a personalized plan that successfully enables a negotiator to settle unsecured debts for no charges until your debt settled . Once the creditor and debt settlement negotiator agree on a reduced balance it will be viewed as payment in full by the creditor. debt help has become a practical alternative for many thousands of consumers across the country and is the most sufficient alternative to bankruptcy.

Millions of Americans are victim to skyrocketing unsecured debt. If you possess several credit cards, you can possibly hold a total balance of $13,000.00. If you only make the minimum payments or completely miss the payments, you can end up paying over 20% interest on each card. In other words, unless you hit the lottery, you could be paying off those cards for the next couple of decades. Other types of unsecured debt are medical bills, utility bills, and personal loans

With unemployment on the rise, many people find it difficult to juggle all that unsecured debt. Even if you aren't unemployed, you could be suffering an illness, recovering from a divorce, earning a much lower salary, or experiencing of variety of other things that could dramatically affect your financial health. It's no mystery why more and more people are seeking valuable debt solutions.

For those who aren't completely insolvent, debt settlement would be the best option. As long as you have over $10,000.00 in debt, you can qualify. Once you participate in a debt settlement program, you stop paying your creditors for the first few months. The minute you stop paying them is the minute they're willing to accept lump sum payments from you (since getting something is better than nothing). Plus, this gives you the opportunity to save that money for when the payments do come.

After that period is over, you will start making lower monthly payments to all your creditors. As a result, you can eliminate your debt within a matter of 36 months! Now you're wondering: How do I find a debt settlement company?

Debt Settlement Companies - Creditors lose money in bankruptcy cases; therefore they are more inclined to agree on a settlement. The consumers are content because with credit card debt settlement they are able to settle their total outstanding credit card debt balance for a portion of what they owe, in many cases. debt reduction or debt negotiation generally can be completed in as little as a few to as much as sixty months(depending on affordability) with affordable and customized payment plans, without having to file for bankruptcy.

How do you negotiate? Our debt negotiation experts have trustworthy relationships with many creditors/lending institutions; this allows us to assure fair compromise with our clientís best interests in mind. Premier Financial understands the many priorities in life, and your debt settlement Coach/Customer Service Team will help guide you so that you are proactively saving in accordance to your personal financial plan.
* Affordable payments
* We're not a Consumer Credit Counseling Service, and our team of debt negotiators work with the creditors for credit debt relief of our clients , not for them
* With our program, your monthly payments are generally lower than what you may now be paying the creditors

Once you enroll with Premier Financial Debt Settlement, you will receive feedback and have unlimited access to your settlement coach to update any account information and answer any questions you may have.

Implementing the best customer service possible, and being the Premier Financial Debt Settlement is our main priority.

If you're looking for great debt settlement companies, Premier Debt Help is the perfect choice! Unlike many other debt settlement companies, we don't charge any up-front fees. We don't get paid until your debts are settled.

Other debt solutions include credit counseling, debt consolidation, and bankruptcy. Debt settlement does not affect your credit score nearly as much as those aforementioned solutions. Most people in debt do not have great credit to begin with. Your credit score might decrease a bit. However, the decrease will only be short-term. And once you're done paying of all your debts, you will be well on your way to rebuilding you credit!

Some people choose to file for bankruptcy, because they feel it's the "cheapest" option. As long as you are solvent, there is no reason to choose bankruptcy over debt settlement. Bankruptcy will ruin your credit for the next 7 to 10 years, making it more damaging in the long run.

Debt elimination is possible! Calling Premier Debt Help for your free consultation would be the perfect solution. We even offer a 100% money back guarantee!

Premier Financial Debt Help
4400 Route 9 South - Suite 2100
Freehold, NJ 07728 

877-235-3878



Debt Assistance Reduced Interest Program

Debt consolidation loans are a type of personal loan in which you can consolidate all outstanding debts and expenses, including credit cards, unsecured loans, and medical bills. Of course the true benefit is to be able to obtain a the loan at a lower interest rate that all of your outstanding debts, otherwise you could end up paying more than by simply making your regular bill payments.

A debt consolidation loan can reduce your total monthly payment, and save you money by paying less in interest.

Debt management plans, or DMPs, can also lower your interest rates and monthly payments. DMPs are available directly from a credit card issuer, lawyer, debt management company or a non-profit credit counseling agency. The company that you enter into a DMP with will negotiate on your behalf with your creditors. This can help you get lower interest rates, waive fees, provide you additional time, and will reduce the total amount of your monthly payments.

Credit card assistance programs from banks, non-profits and the federal government:

While not everyone will qualify for the solutions they offer, there is no harm in trying. Though many credit card companies are increasing fees and in general turning up the pressure on credit card holders, there are also an increasing number of issuers who are creating assistance programs to take a more pro-active approach in an effort to help debtors make their repayments. They are more willing to reduce and cancel unpaid debt. In today's challenging and still weak economy, banks and credit card companies are more likely than ever to forgive or cancel credit card debt and unpaid bills. They offer card holders a number of assistance programs and services. They really do this selfishly, as they would rather settle with the consumer vs. see them file bankruptcy, as in that case they receive nothing. More on credit card assistance programs.

Credit assistance program - Major banks including Citigroup, Bank of America, Visa and more have launched an assistance program called Help With My Credit. It is a service offered to help families and individuals of all backgrounds and incomes.

Federal government interest free loans with deferred payment may be available to small businesses. The government loans can be used to pay mortgages, credit card bills, health care costs and other expenses. Government loans are a great debt reduction option.

Debt management plans from Consumer Credit Counseling Services and other third party organizations can help you find tailored solutions to credit card debt problems. These not for profit credit counseling agencies offer a host of solutions, including debt management plans, assistance with negotiating, and information on other programs that may aid you.

Free advice from local credit counseling agencies is also available. Several different non profit organizations operate across the country. A number of agencies operate regionally as well. They provide a number of low cost or free debt reduction programs, offer ways to improve credit scores, can advice on bankruptcy, offer budgeting services, and in general provide information on ways to gain control of your bills and debts.

Union members and AFL-CIO debt management plan - Union Plus wants to remind members and organized labor that they offer a debt management plan to help members. Individuals are able to consolidate their bills at a lower interest rate, enter into payments plans, and otherwise get out of debt. They will also reimburse participants in this program some of the monthly fees that may be due.

Credit card modifications are becoming more common. For example, Bank of America expects to modify the credit card terms of over 1 million cardholders. Chase is rewriting the terms of thousands of card agreements, and almost every other lender and bank offers some form of modifications. It is more possible than ever today to get out of debt with help from credit card issuers.

Credit card hardship programs are also more widely available. Citibank, Bank of America, Discover Card, JP Morgan Chase, Capital One, GE Money Bank, and others offer consumers assistance with paying credit card bills and their debts from credit card hardship programs. They do not advertise these plans to customers, and there are certain steps that individuals need to take.

Most of the major banks and card issuers are more aggressively offering their own debt reduction and settlement plans for unpaid debt and bills. It is in their best interest to do this as well. Not only are they cutting out the middle man, but they will also receive at least some payments from the customer, rather than nothing.

Many banks and credit card issuers, such as Bank of America, HSBC, Wells Fargo, and Capital One offer consumers their own debt management plans (DMP) as part of the Call to Action. This is a government supported debt assistance program that will reduce interest rates, eliminate fees, and help in other ways.

Credit card forbearance programs are offered by companies. Once again, the major lenders including Chase, Bank of America, Citibank, Discover Card, and others offer credit card forbearance programs that may allow consumers to delay monthly payments from six months to over a year. These programs may also lower interest rates, reduce a customer's minimum monthly payment, or waive all fees. But they were really created to provide consumers with more time.

Military credit and debt counseling is offered to active service members as part of the Military OneSource Program. The federal government created this program in partnership with non-profits such as the National Foundation for Credit Counseling. Any member of the military, whether active duty or a reserve, may qualify for free advice and counseling. Clients can have a number of financial issues addressed, including excessive credit card or medical debts, sign up for budgeting workshops, credit repair and more.


New Credit Report Score Formula is More Forgiving of Medical Bills and Old Debt
Unmarried Couple Debt can be a Hassle to Resolve even in a Court Lawsuit.
Debt Collectors on Facebook Social Media to Locate Delinquent Account Payers for Collections
Who is Responsible for Paying Debt Brought into Marriage
Debt Blacklist Checkers Who Examine Court Administration Files or Credit Reports for Judgments and Unpaid Accounts.
With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
Even Bad Credit People can get Approved with Government Mortgage Loan Backing for Sub-Prime Applicants
How to access and bid on government surplus equipment and seized personal propery for auction.
A legit bad credit report repair company follows all government regulations, has a steady rebuilding plan
Your local post office offering government loans and bank checking a0ccounts for poor and bad credit people.
Government Loans
Is My Debt Too High? Individual and US Government Debt.
Federal government debt relief company rules to protect consumer rights.
Yes, Walmart cashes student loan checks. Walmart Expands Check, Card Cashing Services - Walmart announced expanded check cashing and card cashing services at stores nationwide, including the ability to cash payroll and eligible government benefits cards to the penny.
Free money search. How to claim abandoned property, and how to find unclaimed money. Also government grant application resources.
US Federal Government tackles Private Grant Scams. Get free access to legitimate grants and unclaimed money.

Copyright 2001-2014: CreditFederal.Com personal loan for bad credit, no credit check credit card, debt settlement negotiation, bill consolidation, mortgage & auto loans.