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Monthly Archives: September 2014

How Filing for Bankruptcy Could Save Your Home

September 30, 2014 | Posted in Foreclosure

When financial troubles strike, inevitably, you start to get behind on bills, mortgages, and other payments. After a period of time, these late payments will have negative consequences like home foreclosures. For many homeowners, keeping a secure living situation is vital for future economic success. When faced with debt and a foreclosure, it is important […]

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Debt Collection Lies

September 25, 2014 | Posted in Debt

If you have missed a debt payment or simply unable to afford your monthly payment, chances are your experiencing notifications from a debt collector. From letters in the mail to daily phone calls, collecting on the debt is the collector’s job. While some do act in accordance to the guidelines outlined in the Fair Debt […]

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Discharge Credit Card Debt in Bankruptcy

September 24, 2014 | Posted in Bankruptcy

Discharge credit card debt in bankruptcy There are many reasons why people have problems with credit card debt, often resulting in the need to file a bankruptcy case. In most of the cases I have filed, there is a substantial amount of credit card debt present. ¬†One reason that people need to discharge credit card […]

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Saving The Smart Way

September 23, 2014 | Posted in Money Management

Financial experts agree that having an emergency fund separate from your savings account can be the difference between financial hardship and a small set-back. If you don’t have at least three months worth of essential living expenses saved in a separate account for the unexpected job loss or inability to work and earn wages, you […]

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FICO Changes Won’t Help Mortgages

September 18, 2014 | Posted in Mortgage

The release of a new FICO scoring system was initiated earlier this month. With anxious consumers awaiting the benefits of the new system, more information is rising that could prove to be a disappointment to consumers. New System, New Score The FICO 9 scoring system was launched for testing on the first of September. The […]

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Statute Of Limitations On Debt

September 16, 2014 | Posted in Debt

You may have heard the old advice to stop paying your debts because they eventually become uncollectible. Well, this statement is entirely false, but purposely defaulting on debt is not a smart debt relief strategy. Here is why: Variable Time Lines Debts are time-barred, meaning that there is a window of time that you can […]

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5 Tips for Building Credit

September 11, 2014 | Posted in Credit

To make large purchases like a house or a car, you need to have an established line of credit. Establishing credit is not an immediate process and can take a long time. However, there are a few tricks for building credit quickly and making sure that your loans and credit requests are approved. Don’t let […]

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3 Tips to Avoid Going into Debt

September 9, 2014 | Posted in Debt

In the United States, student loan debt has reached an astonishing $1 trillion, and the average American has over $15,000 of credit card debt. Debt has become an all-consuming truth of American life, and yet it does not have to be. There are many ways to protect yourself and your finances, ensuring that credit debt […]

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Options when you are sued

September 2, 2014 | Posted in Bankruptcy

When you are sued on a debt that you owe, you have several options. Knowing your options can make the difference between a good outcome and unpleasant surprises later. First of all, you will notice that you received certified mail from the court. This is your indication that you are actually being sued. Sometimes creditors […]

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Dodging Debt Collectors

September 2, 2014 | Posted in Debt

If you are one of millions experiencing problems with debt you are probably familiar with the harassing techniques of debt collectors. Repeated phone calls to threatening letters in the mail, these collectors aren’t afraid to do what it takes to collect; sometimes even going so far as to call your workplace or contact you on […]

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