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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.


View our sample letters such as a Debt Verification Letter to challenge a debt and a collection agency's right to collect.


What Is A Debt Management Plan

Legitimate Debt Relief, Consolidation and Settlement

Pay Credit Card Bills for Rewards

Get Out of Debt Free and Fast

Credit Card Debt Relief Options

Getting out of Joint Credit Card Debt

Go To Jail For Not Paying Bill

Lower Credit Card Balances

Who Pays Joint Spouse Debt

Credit Counseling VS Debt Settlement VS Bankruptcy Filing

Free Debt Advice

Free Tips to Avoid Credit Card Charges

Free Money Saving Tips

Student Credit Card Debt

Instant Emergency Loan Application and Preparation

Stop Bill Collector Calls and Threats

Get Out of Payday Loan Debt

Cant Make Credit Card Payments

Credit Card Debt Relief

High Rate Credit Card Debt

Credit Card Debt Default

Budgets, Debt Management, Consolidation, Settlement, Counseling and Bankruptcy

Credit Card Debt Advice

Credit Card Christmas Debt

Payoff Credit Card Debt

Debt Loan Advice

College Student Credit Card Debt

Stop Credit Card Debt

Stop Debt Save Money

Debt Free Money

How To Reduce Debt

Biggest Debt Mistakes

Short and Long Term Debt Relief

Debt Relief Tips

Credit Card Max Lowers Score

Free Debt Relief Advice

Money To Payoff Debt

Calculate Debt And Payoff

Stop Credit Card Debt Abuse

Debt Solutions

Credit Card Balance Transfer Debt

Manage Debt Yourself

Long Term Plan to Pay Off Bills

Payoff Debts Without Loans

$10000 Loan for Credit Card Bills

High Credit Card Charges

Unpaid Credit Card Debt

Credit Card Charge Off

Fraud and Credit Scams Target Debt People

Bankruptcy Debt

Payoff Credit Card Debt

$10000 Cash Personal Expenses

Good Bills VS Bad Debt

10 Personal Budget Reasons

Bankruptcy Filing

Unknown Debt Collection Agency

Pay Off Debt Options

Divorce and Debts

Pre-Bankruptcy Credit Counseling Bad News

Debt Consolidation and Debt Settlement

Ending the Debt Cycle

Debt Settlement Facts

Zombie debt collectors

Payoff Balance

Reduce Bills

Debt Consolidation Loan

Credit Counselor

Credit Card Debt

Christmas Credit Card Bills

Chargeoff Credit Card

Balance Transfer Debt

Credit Counseling

Student Credit Card Debts

Credit Counseling FAQs

Collection Agencies

Free Debt Collection Agency Tips

Debt Collectors Violating Do Not Call List

Stop Debt Collection Agency Calls

Fake Phantom Debt Collectors

Debt Collector Verification

Statute of Limitations Debt Collection Act

Debt Collection Statute Of Limitation

Debt Collectors

Letter to Stop Credit Collector Calls

Collection Agency Harassment

Debt Settlement

Credit Card Debt Settlement

Debt Settlement Advice

Credit Card Debt Relief Options

Chargeoff Credit Card Debt and Rebuild Credit Score

Do It Yourself Free Debt Settlement or Use a Debt Negotiation Company

Debt Collection Agency Negotiation

Debt Settlement Company FAQ

Debt Settlement

Sample Debt Settlement and Negotiation Letter

Debt Consolidation

Credit Card Debt Relief Options

Debts And Bills

What Is Unsecured Debt Consolidation

Are Authorized Users Liable for Credit Card Debt

Being Sued by a Debt Collection Agency

Biggest Waste of Money

Can't Pay Back Payday Loan

Combine All Credit Cards into One Payment

Consolidating Credit Card Debt into a Personal Loan

Consolidating Student Loans After Marriage

Credit Counseling VS Debt Consolidation

Debt Consolidation VS Bankruptcy

Debt Settlement FAQs

Debt Settlement VS Bankruptcy

Debt Settlement VS Credit Counseling

Do It Yourself Credit Card Debt Settlement

Eliminate Credit Card Interest Charges

Erase Credit Card Debt Legally

Free Money Management Tips

Harassing Robo Debt Collection Calls

How and When to Settle Credit Card Debt

How does Debt Management Affect Credit Score

How Does Debt Management Work

How to Budget Credit Card Payments

How to Control Credit Card Spending

How to Dispute a Debt

How to Dispute Collections

How to Handle Collection Calls for a Deceased Person's Debt

How to Organize Bills

Non-Homeowner Debt Consolidation

Should You Still Pay Credit Card Charge Offs

Tips for Paying Off Credit Cards Fast

What are the Main Causes of Debt

What Debt should I Payoff First

What Happens if I Default / Stop making Credit Card Payments

What Happens when You Ignore Debt Collectors / Collections

What is the Difference between Credit Freeze and Fraud Alert

What to look for when Choosing a Credit Counseling Company

Who Pays Credit Card Debt in Divorce

Who Pays Deceased Relative Credit Card Debt

Who Qualifies for a Debt Consolidation Loan



Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.

Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.

Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.

Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.

Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.

Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.

Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.

Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.

If you're bad at budgeting and uncomfortable with confrontations, you may be a good candidate for using a debt relief company to help with your bills.

Setting up a budget with an affordable payment arrangement; whether yourself or through a debt management company, is the path to getting back on your feet financially.

If you have multiple debts you are struggling to pay, this may be even more reason for you to get a debt relief company's assistance.

Just make sure the debt settlement company does not charge any upfront fees, and if you choose a credit counseling agency make certain it is non-profit.

But before you commit to a payment plan, it's important to have a complete understanding of what your household budget actually is and what you can truly afford. Be absolutely certain you can; and will, stick to an agreed amount.


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.



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.


Can I get cash for a Visa gift card? If the store doesn't offer a cashout, there is a way to get cash for a gift card. As an incentive to a buyer, you could sell it for less than the available balance amount. In fact, there are websites which buy and sell discount gift cards. Unfortunately, those sites may not be able to quickly sell your gift card, and you may not be able to get as much money from it as if you had sold it to a friend or family member. If you want to cashout a gift card because it's for a store you don't patronize, you could try to do an even trade with someone who has a card of equal value for a different store.

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. Review - © 2010 US Financial Benefit Center

Every year, Federal and State governments allocate billions of dollars to fund Government Grant programs. In 2009, for instance, the US government created thousands of programs to assist individuals in need of funding. This included over 1,000 Federal Programs, 24,000 State Programs, 30,000 Private Foundations, and over 20,000 Scholarship programs.

Stimulus Grants Resources Online. In addition to helping you find stimulus grants, we will also provide you with valuable resources and other helpful offers.

You Have Nothing To Lose. While our service does not require you to purchase any offers from our partners, we believe you will find their information useful. We include training programs, working from home opportunities, and other resources for needy families. 

US Financial Relief Center Can Help You
* Business Grants
* First Time Home Buyers Grants
* Stimulus Grants For Women
* Federal Stimulus Grants
* College Grants
* Free Stimulus Grants
* Education Grants
* State Grants

How can I manage holiday debt? It may not be at the top of your New Year's resolutions list, but focusing on paying off debt and getting your finances in order is a good idea for beginning the New Year or any time during the year, just, get started!

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. Review - © 2008

Debt settlement is the fastest and least expensive way to get out of debt. Often referred to as debt negotiation or debt arbitration, Debt Settlement is a direct and ambitious approach to debt reduction and it is best suited for individuals that have considered filing for bankruptcy protection.

How it works: Debt settlement companies will negotiate with unsecured creditors (credit cards, retail store cards, medical bills, judgments, personal loans, etc.) on behalf of the client to settle for an amount much less than the balance owed. In return, the debtor will make a settlement payment for the balance owed. Once the debt has been paid in full on the settled amount, the creditor will issue a letter to the credit bureaus stating the debt has been "Paid", "Settled", and/or "Settled for less than full amount."

Why would a creditor accept a settlement? Oftentimes creditors are willing to settle the balance of debt owed if the debtor is under financial hardship. Debt settlement is an excellent alternative to bankruptcy and in the creditorís eyes if the debtor is under financial hardship and chooses to file bankruptcy the creditor would receive nothing. Debt management professionals, working on your behalf, take advantage of the leverage they have in this situation and routinely reduce the debtorís unsecured debt. Itís a win-win situation for both sides in the sense that the creditor is able to get some payment towards the balance owed, and the debtor slashes his outstanding debt and avoids the long and drawn out process of filing bankruptcy.

Debt Settlement Information
*Debt Arbitration - This is the process of negotiating with creditors to accept payment that is less than the original full amount owed. The process is also known as Debt Negotiation or Debt Arbitration.
*Debt Management - A strategy developed to help a consumer manage his or her debt. This is usually developed and implemented by an outside company or organization.
*Debt Problems - Any number of problems and negative situations caused by carrying credit card debt and debt in general.
*Debt Settlement Qualifications - Find out the most common qualifications for enrolling in a debt settlement program
*Consumer Debt - Learn about the various struggles with consumer debt and what can be done to help
*Credit Settlement - Settlements can affect credit , but in the long run consumers can benefit
*Debt Negotiation - The debt negotiation process takes some time and patience. In order for a compromise to met both sides must have an in depth negotiation
*Do it Yourself Debt Settlement - In some cases consumers in debt can actually settle debt on their own. Learn aboout the best practices

Debt Consolidation: Debt consolidation is the process of taking your existing high interest rate debt, and combining it into one low interest rate monthly payment. A responsible debt professional will explain to you that it is not about taking all of your debt and putting it under another loan; it is only about taking the high interest debt and putting it all under one low monthly payment. If some of your debt already benefits from a low interest rate and good loan terms, then there is no need to change that arrangement. But a debt relief expert will discuss your options with you and work with you to develop a plan that will help you get your monthly obligations under control.

Employing the help of a debt consolidation organization will help you get rid of your high interest credit debt, it will bring all of your larger payments together under one low payment, and it will help free up extra cash flow for you every month. If that sounds like something you could benefit from, then you could definitely say that a debt assistance program is worth it.

Researching and comparing the best debt consolidation companies in the market, you will be able to determine the debt consolidation loan that meets your specific financial situation, whether it be credit card consolidation, or debt repair. Nonetheless, it is advisable going with a trusted and reputable debt counselor before making any decision, this way you will save time through specialized advice coming from a seasoned debt advisor and money by getting better results in a shorter span of time.

Debt Consolidation Information:
*Credit Card Consolidation - This involves the same process as debt consolidation, however it pertains to debt that are strictly credit card based.
*Debt Consolidation Loans - This is the replacement of multiple loans with a single, new loan, usually at a lower interest rate and with a longer repayment period.
*Unsecured Debt Consolidation Loan - This type of a loan is usually only possible for people with excellent credit. No collateral is required. People with lesser credit scores will have to offer some kind of collateral for a debt consolidation loan. This often involves home equity.

Credit Counseling: The Consumer Credit Counseling approach looks to minimize debt by negotiating with creditors to lower payments and interest rates. However, unlike debt settlement, Consumer Credit Counseling companies ask consumers for payment and rarely slash actual debts. For those seeking to repay the entirety of their debt (especially a temporary blip caused by accident, illness or sudden unemployment), Consumer Credit Counseling is an option worth investigating, but be advised there may be negative consequences to your credit scores.

There's another aspect to Consumer Credit Counseling that should be understood. Many Consumer Credit Counseling firms often advertise themselves as non-profit groups offering financial advice, but they also take payments not only from the consumers but also the creditors. As you'd imagine, those working both ends of the system, wouldn't offer the best counseling and may suggest payment strategies that result in even higher debts for the consumer. The entire Consumer Credit Counseling industry is being more closely watched because of alleged misdeeds, and, though some Consumer Credit Counseling companies do help a specific sort of borrower, it's important to determine just whom they're actually working for.

Compared to debt settlement firms, Consumer Credit Counseling programs have very little motivation to reduce consumer debts (despite the fees charged) and can sometimes do more harm than good.

Credit Counseling Information:
*Credit Report FAQ - Learn the basics of credit reports and how they determine your future financial plans with our credit report FAQ.
*Consumer Counseling - Provided by a counselor that reviews your financial situation: income, assets and liabilities, and then provides money management and debt management recommendations.
*Credit Card Debt Relief - Any of the various plans and services which aim to reduce and/or eliminate excessive credit card debt.
*Credit Card Help - When one is in a situation of unmanageable credit card debt and a victim of unwise, personal financial practices, one is in need of credit card help.
*Credit Card Relief - Any of the various plans and services which aim to reduce and/or eliminate excessive credit card debt.
*Credit Counselors - These are counselors who offer non-judgmental advice to consumers to improve their financial situations particularly when it comes to credit and credit issues.
*Credit Management - The goal of credit management is to help consumers gain control of their finances through education and credit counseling.
*Financial Help - When one is struggling with credit card debt, good solid financial help should be sought out. There is no shame in seeking help to improve oneís credit and financial standing.
*Get Out of Debt - A process which takes time and effort. Getting into debt does not occur overnight, and neither can getting out of debt be expected to happen so quickly. But with the right practices and the right guidance and professional support, one can indeed get out of debt.
*Money Problems - Due to the current U.S. economic recession and mass job layoffs, coupled with credit that was far too easy to obtain and spend prior to this situation, many Americans find themselves suffering from severe money, debt and financial problems.
*Pay Off Credit - The goal of most people struggling with credit and credit card debt. At a minimum, credit debt should be reduced to manageable levels.
*Unemployment - Unemployment and unemployment rate reference people who are not employed but actively seeking work. We currently are facing the highest U.S. unemployment rate in over a quarter century.


How to get Your Signature Removed from a Cosigned Loan or Credit Card Debt?
Is there a program for Writing Off Debt Legally and having it forgiven, too?
Ways you can get debt help to handle hospital and doctor medical bills.
Compare Programs which Offer Debt Help for People on Benefits, such as Veterans, Seniors and Disabled Persons.
Read our Debt Management Company Red Flags to Avoid Companies which make extravagant promises and deliver little.
Is My Debt Too High? Individual and US Government Debt.
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 developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Note that this is not a model form, and use is not mandatory. This simplified approach will help consumers better understand their credit card agreements.
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.

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