Your Advanced Debt Management Solutions
www.debtcredittips.com ...Our economy is always changing from good to bad, but we are continuously accumulating more and more debt...so much so ...
Has anyone ever used a debt management or credit consolidation program?
If so, what are the companies names, numbers and/or web addresses? I have been considering doing one of these programs for some time now, but I want to be sure I don't pick a company that will be more harm than good. What kinds of questions should I ask a representative, once I find a company? Are there any fees involved? And how much is too much? I need serious advice here because these companies will have my personal information and debt record, so I want it to be with someone who will actually help me, not just make a quick buck. I have been researching some companies, but I am still not certain which is the best. How do you know? Thank you in advance for your help.
There are companies out there that can help you, and there are debt counselers who are genuine and will help you find your way. You can help yourself first by having an honest look at your debts, your budget and your spending.
What you will need to know is how much you owe and how much of your income you have left after all of your essential expenses have been paid. That's the amount available to repay your debt. If you can get that information together, and a debt counselor can help you do this, you'll be able to work out what sort of debt repayment plan you really need.
Don't expect someone else to do it all for you. You can get help to get started but at the end of the day it's down to you to assess your situation for yourself and then to take control. That's what becoming debt-free is all about. This website has some useful tips.
Good luck!
I had originally thought that these credit consolidators were helpful until a co-worker told me that her credit score took a hit ( I don't remember how big). At least try to speak with your creditors first before going to a credit consolidation program. Good luck!
Can anyone provide me with information on how to get out of debt?
My husband and I are in our late 20's and have 2 young girls. We live paycheck to paycheck and have a hard time paying off our debt. We have student loans, credit cards, and hospitial bills. With our income and rising costs we can barley pay our monthly bills, let alone pay off our debts. Help us! Any information you can provide from a good, legit debt consilidation, grants, to money management would be helpful. thank you in advance for your help!
daveramsey.com
Contact a Bankruptcy attorney. They can help even if you do not file for Bankruptcy. Usually the initial consultation is free.
http://www.ed.gov/index.jhtml
Get over the first hurdle of Making a monthly budget to figure out how much money you have to spend on what. Call your creditors ask to speak with a supervisor, they might be able to point you in a good direction. Research advocates for lowering medical bills. There are plenty out there but I can't guarantee their legitimacy. Don't be embarrassed to talk about your situation to others especially creditors who call asking for payment, turn it around on them and ask them to help you find a way to pay them.
Can a cash advace debt collector do more than a regular debt collector??
I have my share of debt and I have been making a pretty good amount each month which is then divided up to down all my debts threw a debt management company. However one of my last debts which has not been added to my payment plan is a debt collector for a payday advance company. When I told the lady that I would add them to my management company's plan she was insistent that they would not accept payments only the balance in full or they would proceed with further debt collection efforts. All I want to know is other than my credit which has been making huge improvements can this company really do much to me (like garnishment) or is it just the usual tough talk trying to get me to pay the whole thing off.
Who taught you money management?
The news is full of stories of people who do not understand credit, budgeting, mortgages, how to balance a check book, how to deal with debt and investing. It seems like so many people are poor with money but do not know where to turn.
Our schools are full of teachers who can tell students about advanced math and science but few leave high school and head out into the real world with an understanding of basic money management.
How did you learn about how to deal with money and how are your friends and family in the subject?
When I was young I had less ease of access to credit and less cash, so you learn from there. The problem today is many people can get credit when they are not ready for it.
I was like 6 when I started having to make my own decisions with money. My parents gave me a monthly allowance, I learned pretty fast not to blow it all in the first week, by the time I was 8 I was probably better at managing money than most of my friends are now.
Thanks mom and dad, now I'm one of the few 21 year olds who has near perfect credit and no debt =D
Most of the teachers in the education system don't have a clue. I say this because of their own financial situation.
It is hard to expect them to teach on something that they don't understand themselves.
My parents didn't get it, so they couldn't teach me either. My wife's parents didn't get it, so they couldn't teach her either.
Starting to see the picture? We started to self educate ourselves a few years ago and have learned a tremendous amount of stuff and have stopped many bad habits and started many good ones.
We are well on our way to financial sucess. We have to make up for many years of bad choices before we get there. We are attempting to teach our kids along the way so they don't make the same mistakes that we did (and our parents did).
Bottom line - if you want to learn it, find somebody who has what you want and is willing to teach you how to do it. This may be an author of a book, somebody on television, or your neighbor.
Be warned - there are many people who offer "advise" to folks for a "small fee". Scrutinize these people very carefully. Are they making their money the way that you want to? Or are they making their money by scamming people like you?
Good Luck!
What really turned my thinking around was one of my clients, who pointed out to me that how much money you make is irrelevant. What ultimately matters is how much of it you get to keep. So the first step in actually managing your money better involves re-thinking your relationship with money.
Most likely you'll find out that before you're ready to successfully handle more money, you have to successfully handle what little of it you have right now. One personal finance blog I subscribe to summarizes this very well, here's the link to that specific article:
http://yourfinishrichplan.com/blog/2008/03/11/the-size-of-your-bank-account-doesn%e2%80%99t-matter/
The first step in solving a problem is recognizing its existence, so you're halfway there. You can find great websites that will help you go in the right direction.
Good luck!
How can we start raising capital to build our company?
Depending on the amount of capital that we can raise, I believe is how we will start. We estimate we will need about $1M for a good solid startup but even with $500K we might cover our monthly payments with our monthly cashflows. My partner and I both agree we would like at the most 1/3 of assets financed by debt. The company creates solar energy. We really hope to establish a good business base and expect to already see positive net income within the first two years. We're talking of a company of under 10 employees. 1-2 engineers, 3 technicians in the assembly line, 2 service and installation specialists, 2-3 sales people, and myself in marketing and strategic management. Any other details you might need please message me. I am somewhat new to starting businesses but I have a huge desire to learn. I have seen businesses in the making but never actually been part of one. Thanks in advance.
Lots of research is always good. I think you need to meet with a few financial institutions and show them your business plan and try to find financing that way. Also, it might be good to get a major business to help with the funding of your company and research.
you need to be working with a banker. They may be willing to finance shipments of goods etc, but don't wait until you are in trouble.
But, one word of advise on Solar, the market may seem ripe, but local demand can still fluxuate, and pv market is driven by shortages. Do some serious failure analysis and be ready to deal with these worse case scenarios. Another good reason to hook up with the bank.
There's a link to the bookstore on this page
http://achiever.vitamark.com
top left, click on "shopping" and come down to "bookstore" then at bookstore "Ten Life Changing Classics"
Shopping>Bookstore-Ten LIfe Changing Classics
For instance, Adobe was originally going to be like a Kinkos...Good thing they didn't stick with that business plan!
I'm not sure what type of business you are planning on starting with an assembly line, engineers, and only 10 employees but I know for most software/internet companies big-time investors want to physically see and try a prototype of what they are investing in.
So my thought is to maybe seek what is called "Angel Funding" or "Seed Funding." It is usually in the thousands, not the millions but it may be enough to get you started in building a prototype to show to the big investors in, say, a company of 3-5. After you get the money that you talked of in your post, then you can worry about mass producing the product (I assume product) and growing your company to 10+.
Refer to http://selfmade.eliotdill.com for some useful advice and links to help you along the way.
I hope this helps. Good luck!
What is the quickest way to advance in nursing career?
I'm currently an ADN with almost a year of experience. I'm working in an ICU. I don't mind direct patient care, but don't want to be doing it when I get older. I'm thinking about going back to get my masters. But can't decide whether I should go for a nurse practitioner, or just management. Which would be the smartest move. The hospital where I work does tuition reimbursement, so I wouldn't have a huge debt when I'm done. Any thoughts?
As a fellow nurse: education is the key. I hear you, I love nursing, but I've been doing it for 20+ years and I can't see doing bedside nursing for much longer. Get your BSn and see where that gets you. NP or manager depends on your interests. I have the same concerns; I want to get my masters, but have no interest in either you listed. I've been thinking about a masters in nursing with an emphasis in computers---I can't remember what it is exactly called, but it is online. So there are so many options for nurses-Good luck!
How can I improve my CV to help my chances of becoming a teacher?
I am 28 and previously worked in management positions in call centres. Prior to this, I completed a law degree at university.
My dream has alwasy been to teach and I am now trying to make this a reality. I have a plan to pay off all my debts and save money over the next 4 years to do the one year post grad in primary education here in Scotland.
What I'd like to know is...what things could I try and do over this time to improve my CV, in order to make me as desirable as possible to potential selectors for University and then for prospective employers once I become qualified?
I am starting tutoring over the next week, so this is one thing but I was wondering if there was anything else you could suggest.
Thanks in advance :)
I think they'll want to grab you for the teaching profession. I don't think you'll have any difficulty in persuading them to take you on. What you might consider doing is some kind of voluntary youth work locally (for which they're always crying out for volunteers). You would have to undergo a vetting process, which would be rather a bore, but it would show commitment to working with youngsters. You could also consider signing up for a summer scheme for children during the summer when the tutoring work dries up -- for example http://www.google.com/search?sourceid=navclient&ie=UTF-8&rls=TSHA,TSHA:2005-49,TSHA:en&q=camp+beaumont. But seriously -- you're not going to have a problem when it comes to persuading them to take you on! Good luck with everything!
Who do I contact?
I have had issues with what used to be, my debt management company. I have raised a complaint with them and have since had several replies to my correspondence with them, however they now say that this last letter is their final response. I am not happy with how things have been left and wish to take this further. Who do I contact? Is it The Financial Ombudsman? The Financial Services Authority? The Office Of Fair Trading? I really dont know who plays what part and need to get this sorted out! Thanks in advance.
Not sure, maybe contact citizens advice?
Pension advice? How to cancel a policy and get the funds?
Hi,
I have a personal pension that was set up with my last place of employment. I paid into it for over five years and it has a value of just over £10k now.
Unfortunately my circumstances have changed for the worse, I am off on sick leave due to hyperemesis and I have a little baby due in August.
This money would be extremely useful to clear some debts and make sure I'm ready for the new arrival.
I've tried contacting the financial management company that administrated the pensions with my previous employer, but they say i cannot cancel the policy and retrieve the funds. Only keep paying into it privately, or transfer it to another existing policy.
Is there really no way I can access these funds?
If there is, how on earth do i do it?
Thanks in advance
Sorry, but after making 2 years of contributions, about the only way you can get funds from a Pension is to Retire.
The good news is that you can Retire at 50 (currently - that's changing in 2010 to 55). I believe it is also possible to Retire early on grounds of ill health - but you have to be suffering from something terminal ..
In order to Retire before the normal Retirement age you may have to transfer the Pension Fund into a private scheme (Company schemes are not legally required to let you retire at 50).
If the Pension Fund is small enough you can get the whole lot at once - however I think 10k is over the limit. In this case you can get a maximum 25% 'Tax free lump sum' when you retire.
Links below should help explain ...
What can she do?
Hi there im really worried about my sister. She had debts she is paying off each month and keeps running out of money as fast as it comes in. Im worried shes going to hurt herself she is so depressed
She doesnt qualify for any benefits cos she is working but cant afford the buses to get there.
ive helped her as much as i possibly can - is there any other help out there? She is already with a debt management company but her biggest debt isnt covered by them - they wont take it.
ty in advance x
She needs to take a really close look at her expenses.
Are there places where she can cut her expenses?
(down grade to a cell plan w/ less minutes, get rid of cable, switch back to dial up Internet, reduce the food budget, no more eating out, pack lunch for work, stop smoking...etc). You have to take a good hard look at your expenses. Many of the things you consider "necessities" really are not.
Does she have a budget? Developing a written budget and sticking to it can help.
Track your spending. Get a small note book -that will fit in your purse easily. Every time you spend money -write it down. If you take money out of your pocket to buy a coke from the machine...write it down. Categorize your purchases (Food, Rent, Utilities, Clothing, Stupid). The stupid categories is an important one. You spend a lot more money on stupid stuff each month. Once you have a good idea where your money is going..you can make changes to make your money go further.
Good Luck.
Debt Management Versus Bankruptcy
Debt Management Versus Bankruptcy
By Leroy K. Calstard
In today?s world it is not difficult to obtain enough unsecured debt in a very short time to make bankruptcy look like an appealing option. But is this the best option for you? Before you decide to file for bankruptcy protection, you should really take a close look at a debt management program.
A debt management agency will generally assign a debt consultant to you to help you work out how much you owe, how much you can afford to pay and then help you to manage you budget and also pay off your debts.
This can help you in a number of ways. First of all it keeps the creditors off your back. They will call all of the people you owe money to on your behalf and talk to them about your particular situation. They will negotiate with each creditor to reduce the amount of the monthly payment that you owe them and they may even be able to help you get a reduced interest rate so that more of your payment actually goes towards paying off the debt, rather than paying more and more interest.
Secondly, your debt management counselor can help you buy going over all your household and living expenses and helping you to come up with a realistic budget. This way you can clearly see what you are wasting money on and what you should be paying for things like groceries and eating out at restaurants. Often times we waste money on things that we don?t really need, especially when we are up to our ears in debt.
The third way that your debt management company can help you out is by consolidating all your monthly payments into one. You send them the total amount that you are paying towards your debts and they disburse it for you and make sure that everyone gets it on time. This takes a lot of burden off you and you don?t have to worry about making sure everyone is paid the correct amount every month.
If this seems like a viable plan for you then you should definitely go with a debt management program over filing for bankruptcy. A debt management company is a lot less harmful to your credit rating and a bankruptcy will stay on your record for up to 10 years. For this reason you should opt for the debt management program and get out of debt ? you?ll be very happy that you did.
...advanced debt management - News
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