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  • How to Apply for a Credit Card after Bankruptcy - It can be hard to get back on your financial feet after bankruptcy. As you start working on rebuilding credit, applying for a credit card will be an important issue. There are many options available for those with a less than perfect credit rating. Finding the right one, however, takes some time and effort. Here are a number of steps to follow to make sure you get the right card after bankruptcy. Look at your Finances The first thing to consider is whether or not you're ready for new card. If you've had trouble managing your finances in the past, you may find that it is better to wait awhile before applying.
  • How To Increase Your Credit After Foreclosure - While bankruptcy and credit repair after bankruptcy might get the most attention as a life altering or life shattering event that can ruin your credit, foreclosure shouldn't fall very far behind. Foreclosure on a home can be a very emotionally difficult experience, and it's going to hammer the credit score almost as much as a bankruptcy. Foreclosure might not have the press that bankruptcy or credit repair after bankruptcy does, but if you go through foreclosure you will still need to fix bad credit and you will probably want to get help from an organization that specializes in credit report repair services. If you've been through foreclosure and now need methods and advice for helping to repair and rebuild your credit, then read on to find the best tips we have to offer on fixing bad credit and rebuilding your credit after foreclosure.
  • Social Security Disability Insurance and Supplemental Security Income - The prospect of not being able to work and provide for yourself or your family is frightening. Fortunately, our government has programs that can provide for you in the event this becomes a reality. The Social Security Administration (SSA) has two programs that may be able to assist you if you should become disabled.
  • Saving Jobs by Saving General Motors - General Motors is getting close to going bankrupt and to being liquidated. Ineptitude and greed of its management, its board, and its union are finally catching up with the former king of the automotive industry. In liquidation, foreign companies will buy several of its most modern plants. Any assets will be bought for cents on the dollar. Most of its work force of white and blue collar workers will become unemployed. The ripple effect on suppliers, vendors, and customers will be ruinous. A liquidation will degenerate into a national depression.
  • Investing in Bankruptcy - Investing in bankruptcies can be a big money maker for the real estate investor. Investing in bankruptcies can result in a substantial income when you choose the right property. There are several laws that can change from area to area that govern bankruptcies. This means that there are risks involved to the investor, and being aware of these risks can help your investing tremendously. A large risk that you face with bankruptcies is that the owner can come back and lay claim to their property. Some states even have laws stating the bankruptcies are not complete for a certain amount of time. You will have to determine if your region has this type of law protecting the homeowners when they file bankruptcy.
  • Free Advice to Congress on Rejuvenating the Big Three - United States Congress is serious about dealing with the energy crisis and about reducing the increasingly expensive imports of petroleum. The same Congress seems to forget that a liquidation of US automotive manufacturing companies will increase the importation of foreign made cars. A befuddled Congress was quick in consenting to shell out $700 billion of taxpayer monies to save investment bankers and insurance companies from the consequences of speculative business practices. Extreme losses resulted from high stakes gambling and from sales of fraudulently assembled securities at excessive prices. The same Congress balked when the Big Three flew in on their company jets to ask for much smaller handouts. Big Three executives only took home an admonition by Congress to fly commercial carriers into Washington. What are we talking about? The automotive industry is critically dependent on the continuous investment of large amounts of capital.
  • Bankruptcy Issues - We begin with the creation of the automatic stay. The stay is automatically created at the time of bankruptcy filing. The automatic stay is actually a unique feature.
  • Advantages to filing chapter 13 - There are other advantages to filing chapter 13 that may not be easily seen. The interest on the debt that you owe stops accruing. So let's say you owe $200,000 unsecured debt, in credit cards. Well, if the interest rate on that is 20 percent that's going to be $40,000 every year, accumulating every year.
  • Home mortgage payments in Chapter 13 - Most of the time chapter 7 is the best case scenario, however there's also chapter 13. Chapter 13 should be used when there's a lot of equity in a house or some other kind of asset that a debtor is trying to protect. An example of this can often be seen when a person comes in with a house that has a lot of equity in it. Well, a way to protect this is for the debtor to file a chapter 13. If there's more than $15,000 or in a joint case bankruptcy more than $30,000 of equity, then a trustee may actually go after your house.

  • Two Main Types of Bankruptcy Cases - There's two types of bankruptcies; there's the chapter 7 bankruptcy which gives you a fresh start, and the chapter 13 which allows you to pay back a portion of your debt, sometimes 100 percent, sometimes as low as 10 percent, within three to five years. In most cases, people prefer chapter seven bankruptcy.
  • The Crutch Called Good Credit - In today's society the reliance on good credit is the equivalent of having money in the bank or it may even be likened unto a reservoir of good standing which in some cases is worth more than sums of money in the bank. However, good credit in many instances has been pushed far beyond its original intent both by individuals and by corporations in the economic arena. Individuals knowing the latent power and leverage of good credit have in many cases squeezed credit to acquire personal wealth and fulfill dreams.
  • When Good Credit Turns Bad - One of the most shattering events in life can be the reality of experiencing good personal credit totally deteriate to bad credit. Good credit can be likened to a badge of honor bestowed upon a well deserving citizen of a country who in turn wears it with the utmost dignity and pride.
  • Why Bankrutcy Filing For Senior Citizens is On The Increase - Seniors are living longer today than ever before, so how could this ever be a problem. The longer seniors live the problem begins when more and more outlive their money. Plus any catastrophy can change long range retirement planning irreversibly no matter how well thought out they may be.
  • Bankruptcy Filers Should See Improved Credit Score - A recent court order has required the three major credit bureaus (Experian, Equifax and TransUnion) to clean up the credit reports of millions of consumers who have filed for Chapter 7 bankruptcy protection.
  • Bankruptcy is not the Only Solution - If you, like thousands of other North Americans, find yourself swimming in debt month after month with no end in sight, you are probably weighing your alternatives. Bankruptcy may be one of the options you've been looking at, but it should certainly be the last one you consider. A bankruptcy will stay on your record for a minimum of 6 years. This means you may be required to sell some of your assets, and it will be extremely difficult to get credit cards or loans for at least the next 6 years after you file for bankruptcy.
  • Bankruptcy - Many people run into hardships throughout their lives. This is not something that is reserved for the little guy. In this day and age there are many people who have had problems paying their bills for one reason or another. The rich are not above the law when it comes to bankruptcies. There are people who feel a half million dollar home is just not something they can deal with when it comes to investing in bankruptcies. This is not true. The same rules apply whether the house is worth $50,000 or $500,000. Someone had a problem paying their bills and the finance company had to foreclose the property.
  • Why is Bankruptcy a growing problem for the senior citizen generation - Today,senior citizens are facing bankruptcy at an alarming rate. Why is that? The two main reasons is simply time and money.
  • Debts and Bankruptcies - The concept of bankruptcy seems to be very old. It is rumored to have first been documented by the Romans.
  • Debt Cures for the Debt Disease - The burden of credit card debt; almost everyone has it. Unfortunately, too many people are overwhelmed by it. This is a issue that always seems to be with us, no matter how hard we try to overcome it.
  • Bad Credit Residential Mortgage - The reasons for mortgage and other credit default can be many. Even the most fiscally responsible,when faced with unexpected hardship, can experience bruised credit. A good mortgage broker will have a track record for helping their customer manage their financial affairs responsibly. A good mortgage broker will assist them in re-establishing their credit and financial stability. Although many clients are capable and willing to take on the responsibility of a new residential mortgage, the criteria used by most, if not all, financial lending institutions prevent them from obtaining their loan request, due to past bad credit.
  • Credit Card Debt - Credit debt is very familiar in the universe of credit cards. Credit card debts are a huge stress factor, and most of the times they lead to dire or extreme situations.
  • Bad debt loans - If you have poor credit you may be able to obtain bad debt loans for many different purposes if you are able to meet several different criteria. Secured Personal Loans There are many different personal loans available to people with bad credit. The most common type of personal loan for people with bad debts is a secured loan.
  • How to Avoid Bankruptcy - One way to avoid bankruptcy would be to sit in a chair and don't do anything. How long could you keep that up. If you did last for awhile, I think you would agree everything else would collapse around you. Debt surrounds us - in our personal and business lives, our country is even in debt. Don't be fooled and convince yourself that you can live completely without debt. Debt is a part of everyday life. The trick is for you to control your debt. Do not let it control you. Worldwide economic down turns have hit everyone hard — no matter where you sit on the economic scale.
  • Does The US Government Really Want To Help You Stop Your Foreclosure - On July 26th 2008 Congress signed a bill to help homeowners facing foreclosure to save their homes. The 300 billion dollar foreclosure rescue bill is aimed at helping homeowners to avoid foreclosure and rescuing the mortgage giants Fannie Mae and Freddie Mac. The criterion for qualifying is listed below. The homeowners must currently live in the homes. The mortgage was issued between June 2005 and January 2007. The homeowner must be spending at least 31% of their gross monthly income on mortgage payments. The homeowners facing foreclosure can even be current on their mortgage payments, but show they cannot continue making payments. This is a departure from current practice of waiting till you start getting behind on your mortgage p[payments and begging for some relief to save your home from foreclosing.
  • Will You Succumb To Debt? Take The Debt Test - Financial disaster can creep into daily living with treacherous and cumulative effects. There are leading indicators that can help determine whether or not you will succumb to debt. Take the Debt Test to find your level of contamination. Answer the following 25 debt-related questions. Total your YES points.
  • The 3 Most Common Foreclosure Rescue Scams Homeowners Face When Looking For Help - Foreclosures are increasing nationwide. Homeowners desperate to stop foreclosure are falling victims to scams that promise to "rescue " homeowners from foreclosure. what these scams do is take your money, ruin your credit record, and wipe out any equity you have in your home. Your mortgage lender or any legitimate financial counselor can help you find real options to avoid foreclosure. If someone offers to negotiate with your lender and offers to arrange to stop or delay foreclosure for a fee, carefully check his or her credentials, reputation, and experience. Lease-Back or Repurchase Scams. Be very suspicious if someone offers to pay your mortgage and rent your home back to you.
  • Why Athletes Go Broke - The "Real Deal" is broke. Former Heavyweight champion Evander Holyfield is playing the real life game of Deal Or No Deal.
  • Debt and Money ­­— 4 Common Myths Debunked - There are some widely held beliefs about debt, money management, and other personal finance topics that aren't etched in stone as we've been lead to believe. Could it be that these pseudo truisms have, in fact, been nothing but fiction all along? The financial stakes are way too high to be taking these bogus notions as fact. Let's take a look at four of the more common beliefs. The truth may surprise you. Fiction: Bankruptcy is the simplest way to erase debt problems.
  • How to Stop Foreclosure While Avoiding Bankruptcy - The economic condition of our country seems to by spiraling downward, the news continues to get worse. Housing has declined rapidly and there seems to be no end in site. Oil continues to hit its news high's, day after day. So, what is one to do when faced with certain bankruptcy or foreclosure? The answer may sound easier said than done, but the answer is to avoid it. Avoiding bankruptcy is something that should be executed at just about all costs. In the past bankruotcy was the easy way out. You could find an economical attorney specializing in bankruptcy that could get you filed for a modest cost. This would wipe your debt away, so you could start a new. Unfortunately, that's the mind set in this country, we're always looking for the easy way out.
  • How to Choose Between Debt Management and Debt Elimination - Overwhelming credit card debt is a very common problem for many American consumers. Too many people just continue to pay their monthly minimum payments without any knowledge that their debt burden may never go away. When a person comes to the realization that they are caught in an endless cycle of debt, they may then admit that help is needed.
  • The Truth About Debt Consolidation May Be Worth Big Bucks to You and Your Family - Go online and you'll find lots of information about debt and how to manage it. But you'll also find that many of these sites throw around terms that sound like one thing, but may mean another. It's not so much deception as the fact that a lot of debt terminology is blurred. You may not care whether the best solution is called debt negotiation or debt consolidation--after all, it's the results that count, right? The fact is that you need to know all about these things in order to choose the right option for your situation.
  • How to Create a Household Budget - If you don't have an actual “budget” in place for your household, you may be completely scared whenever you hear someone say they're “making a budget”.
  • Year Round Organization Saves Time and Money at Tax Time - Many people experience the “tax season rush” that occurs every April. They've waited until the last minute to look for essential paperwork, and then the actual filling out of the required tax paperwork takes much longer than expected.
  • How to Get Out of Credit Card Debt - Knowing how to get into credit card debt is painless, but knowing precisely how to get out of it is something completely different.
  • The Perils of Debt and Six Defenses Against Them - American families now find themselves in the midst of a financial crisis. Personal bankruptcies are being declared in record numbers with one out of every 100 families experiencing this tragic legal process, according to a survey conducted by American Express. Although the stigma has lessened, the effects can be long-lasting. Getting a job or an insurance policy can be very difficult if personal records are marred by bankruptcy. Acquiring material possessions, taking trips to popular vacation destinations or dining out regularly at fine restaurants will eventually lead to faded memories. But the emotional stress of credit card purchases can linger for many years due to the power of compound interest.
  • It is key to understand your options and what to keep an eye out for when searching to find the... - Hello my name is Steve Bis and I am assisting people that are in debt with their unsecured credit card debts for a while and realize the negative consequences it has on someone's life. When you have credit card debt and know that the situation is no longer something you can control, you need to make a choice on what to do and make it as soon as you can. You do not want to put it off until it is too late. As plenty of you must already know is that the debt collectors are not co-operative when you speak to them with complaints with your statement.
  • How to Choose Between Debt Management and Debt Elimination - Too many Americans suffer from overwhelming credit card debt. Unfortunately, many people just continue to pay their monthly minimum payments without any knowledge that their debt burden may never go away.
  • 8 Warning Signs of Financial Doom! - 1. This is the electronic age. If your surprised that checks clear almost immediately, you shouldn't be. There is no significant "float" time any more. "Float" is term used to describe the period between the time a transaction is implemented, and when it clears your account. In the past it has been up to a few days. Now it is almost immediate. Sometimes no longer than close of business on the same day as the transaction. If you are relying on float time, you're in danger. Banks love to slap heavy fees on bounced checks. Even if they pay the check, they charge you a significant amount for the service.
  • Good Credit Can Keep You Out of Debt - Paying off your debt can take some time, but it is a process you shouldn't wait too long to start. Debt relief might be the best solution for you if you want minimal stress. We live in a world where it is easy to fall deeper into debt by the minute, but if you work hard at it you can maintain good credit and still manage to get out of debt. It is important to not panic while getting your finances in order.
  • With Rising Food Prices Adding To Credit Card Balances, Consumers Are Legally Eliminating Debt - Memorial Day has now passed, throwing us into the time of year where the weather allows us to enjoy picnics and the outdoor bar-b-q. Both of these summertime activities revolve around eating. As food prices continue to rise, even this innocent seasonal fun is putting an extra strain on our budgets. These high food prices are probably here to stay, just as the high cost of energy is here to stay. After all, it takes energy to produce, package, and ship food all over the world. Unfortunately, too many Americans are paying for their food with their credit cards, the same way they pay for everything else. Credit is supposed to be used for the large purchases. Items we should be able to afford, just can't pay for all at once.
  • The FDCPA And You - If you are one of the millions of Americans struggling with the knowledge that you have fallen behind on payments made to creditors and are curious if you have protection from creditor harassment the answer is yes. The protection which is granted to each American is spelled out in the Fair Debt Collections Practices Act (FDCPA). This is great news considering that by the end of 2007 the total credit card debt for the United States was approximately $ 943.5 billion. The FDCPA was passed in late 1977 under the administration of President Carter. This law was passed by Congress to curb or limit the action third party collectors could take against debtors. It sent a message to collectors that the abusive tactics collectors were known to use would not be tolerated.
  • The Credit Effects Of Debt Settlement And Bankruptcy - Debt settlement programs offer a viable, and often preferable, alternative to bankruptcy. In some cases, bankruptcy may be the best option available to a consumer but debt settlement provides a way of repaying unsettled debts, reducing those total debts, and becoming debt free within three years or less. Bankruptcy should never be looked on as being an easy way to eliminate debt because it carries serious negative side effects on your credit rating, emotions, and personal circumstances. Bankruptcy Types There are two types of individual bankruptcy claims that can be filed – chapter 7 and chapter 13. Chapter 13 bankruptcy requires that you use all of your income, after the courts have calculated an average living allowance, to repay some or all of your debt over a period of three to five years.
  • Rising Food Prices Mean Higher Credit Card Balances. Consumers Are Learing to Eliminate This Debt - After Memorial Day, Americans enter the time of year which allows them to enjoy picnics and the outdoor bar-b-q. Both of these activities revolve around eating. As food prices continue to rise, even this innocent seasonal fun is putting an extra strain on our budgets.
  • Important Debt Settlement Facts - Many consumers in America find themselves buried in increasingly higher debt and at some point looking for debt help. Their monthly unsecured debt payments are growing in both principal and interest, and they are finding it more difficult to make the monthly payments. As a result, these late payments are impacting their credit score and they are ending up with bad credit. First of all, let's talk about unsecured debt and what qualifies for a debt settlement program. The first and most obvious problem for people is their credit card debt. Additionally, past medical bills, payday loans, other unsecured loan not backed by the government, past due rent, etc. can all add up as debt that you cannot get away from.
  • Regulations On Credit Card Advertisements Are Needed To Help Eliminate Debt - We have all seen credit card advertisements on television, radio, magazines, etc. These ads always show ordinary people, living an extraordinary life. Just like we all want to do. The message is clear, just use our powerful plastic card, and you can have it all, and have it now. Forget what you can really afford, just live the good life. I saw a credit card commercial on television this past weekend that really started me thinking about the message they are broadcasting to America. The wrong message in my opinion. You have probably viewed the ad. A young couple's television finally dies out.
  • Financing After Bankruptcy - Bankruptcy can be the worst item to have on your credit report. No matter what the circumstance that led you to file, it doesn't make a difference. It shows lenders that you were unable to pay off your debt. This will stay there for ten years and it will take some time for you to get back to having a good credit score. It will take some work, but it is possible.
  • How To File For Chapter 7 Or 13 Bankruptcy - Filing bankruptcy is the last draw if you can't find any other solution to your financial and debt problems. This serious step keeps you protected from your creditors but you have to go through a lot of trouble for the proceedings. Federal bankruptcy law oversees the procedure, however, recent changes to the law have made filing bankruptcy more difficult. The first thing bankruptcy law requires is that you contact a bankruptcy lawyer.
  • Combine Credit Counseling With Debt Elimination For A Fresh Financial Beginning - You have found yourself drowning in debt. Credit card debt mainly. It may or may not be comforting to know that you are not alone. Credit cards are too easy to obtain and use. Combine this with our "buy it now and pay for it later" society and you have a recipe for financial disaster. When you don’t know how to use credit wisely, you can quickly find yourself in a financial hole. A hole that is very difficult to climb out of.
  • Credit Report after a Bankruptcy - Your credit report after a bankruptcy will look like a bomb was dropped on it. Your credit score report will be littered with all kinds of derogatory information.
  • I'm Paying $13 Per Gallon To Drive!?! - It’s painful having to shell out $40 or more every time you go to the gas pump. Gas prices have tripled in the past decade and don’t show signs of stopping anytime soon.

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