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Do you know anything about this topic? Share your expertise with our thousands of visitors each day by submitting your quality, informative 'Debt Solutions' article, and if you become a member we will pay you for your unique and original work (note that all submissions are reviewed by our editors). Recent articles submitted to your independent guide to Debt Solutions 1. Debt Solutions: A Credit Report - By: Michael Russell Credit reports are compiled and issued by the National Credit Bureau, which collects financial information on borrowers from financial institutions and houses it in a computerized database system, known as the Central Credit Reference Information System (CCRIS). The CCRIS automatically process... 2. Debt Solution: A Personal Loan - By: Michael Russell Those of you who are short in cash today can have more options. As banks compete for a bigger piece of the consumer credit pie, many financial institutions are now offering personal loans, with few or no questions asked. A personal loan is a credit facility offered to qualifying individu... Featured ArticleDebt Free Living Living a debt free life is the dream of just about everyone. For those who are now living a life without debts, you are truly blessed. Did you know that in 2005 the average American carried approximately $8,000 in credit card debt? Most everyone is living from payday to payday. If they miss one or two paychecks they are most likely headed to bankruptcy.Living a debt free life is not easy, but it is one that we can all have with some discipline and effort on our part. Here are some quick tips on ...
Read full story 3. Debt Solutions For Youths - By: Michael Russell Just started your first job? Just received your first pay check? With a pay slip, you qualify to be thousands of dollars in credit card debt. You can buy things, which you cannot afford and pay for them in monthly installments, you also can get your dream car and take up to seven y... 4. Debt Solution: A Fixed Rate Housing Loan - By: Michael Russell A fixed rate housing loan for 20 years looks attractive. If you are getting a house for your own use and don't foresee paying off the debt within three to five years, a fixed rate housing loan is an option for your debt solution plan. However, is a fixed rate housing loan for you? ... 5. Debt Solution For A Newly Earner - By: Michael Russell Just started you first job? Just received your first pay check? Now, with a pay slip, you are qualifying for thousands of dollar in credit card debt. You can buy things which you cannot afford and pay for it in monthly installments and you also can get your dream car by taking up a seven years tenur... 6. Credit Discipline: Vital For Every Consumer - By: Michael Russell Wise credit management still falls back to fundamentals. Know the difference between the good and bad debt. Understand the difference between needs and wants. The principle of sound utilization of credit remains the same; if debt is used to fund consumptive behavior, it will destro... 7. Restructuring Bad Debts - By: Michael Russell There is good debt and there is bad debt, how do you tell the two apart? Good debt does good things for your financial standing, helps you build assets and there is potential for the value to appreciate like property, business, stocks and unit trusts. On the other hand, bad debt is defin... 8. Options For Getting Out Of Debt - By: Michael Russell If you are in debt and thinking of going to a debt counselor, you may be wondering what options there are for you. Depending on your situation, age and how much debt you have, there are a surprising number of options for debt reduction. These are the options you will be presented with.&n... 9. Debt Solutions – A Technique To Help You Become Debt Free - By: Michael Russell It is a sad fact that many people are in debt. During the 4th quarter of 2005, almost 14 percent of American's disposable personal income was consumed by debt payments of all kinds, up from 12.77 percent five years earlier. Although this number represents all debt (including mortgages an... 10. Debt Solutions - Tips For Getting Out Of Debt - By: Michael Russell Many people have debts. Some debts are good, such as a mortgage or student loan and some are bad, such as credit cards or payday loans. You always want to have the least amount of bad debt possible. Reducing debt can be done with a plan. It won't happen fast, but it will happ... 11. Tips For Debt Reduction - By: Michael Russell Most of us have been there at some point. We've accumulated debt. In some cases, massive debt. There may be times when you've been wondering just how you are going to get out from under the mountain of debt that just seems to grow and grow, leaving you feeling overwhelmed. Is... 12. Debt Solutions - Options, Hazards And Strategies - By: Michael Russell Most people find their email in-boxes overflowing with offers for all kinds of products and services, ranging from skin-care to sunny vacations. One of the most common services on offer is 'Debt Solution '. In this case, the service-provider promises to clear out the frowns and bring bac... 13. Debt Solutions - Facing Your Responsibilities - By: Michael Russell It wasn't that long ago that one survived by working hard and living simply on what one earned. If you didn't have the money to go out, to buy a new car, to go to the bar every night or other such pleasures, well, then you simply refrained. Today however, it is a different story and soci... 14. Debt Solutions - Consolidate And Eliminate Debt - By: Michael Russell Anyone needing a solution to either reduce or eliminate their debt has a choice of different ways they can accomplish this. This can be done through a debt settlement, debt consolidation or debt reduction. Debt settlement is offered by many companies and negotiations are handled by... 15. Debt Solutions - Good Debt Vs. Bad Debt - By: Michael Russell Debt simply means that money was transferred between two parties. It implies that at a future date the loan will be repaid according to the repayment terms. Every time an item is bought we immediately go into debt. If the item is small, we can generally pay immediately and not see any long-term debt... 16. Debt Solutions - Are You Spending Too Much? - By: Michael Russell Personal debt in America is on the rise and it comes to no surprise. Companies have been getting smarter and smarter about how to advertise to us all. It is very easy to take on debt and be in the red right from the get go. You start in college, take out student loans and some of us have to fight fo... 17. Debt Solutions – Pay Off Credit Card Debt - By: Michael Russell In 2005, the average American had $8000 dollars of just credit card debt. Of course, the total amount of debt was much higher once you consider a mortgage, personal loans, home equity loans, student loans and a few bucks from mom and dad. Most people have more than one and in some cases a wallet ful... 18. Dissolving Debt - By: Michael Russell In order to arrive to the solution of any problem, one needs to identify the quandary one is in. In relation to debts, the first step would be to acknowledge your situation, which is your acceptance that you are in deep in debt and in need of a way out. A debt refers to what you owe to a... 19. Debt Solutions – Dealing With Bill Collectors - By: Michael Russell For anyone who has fallen behind paying their bills, or had their debts turned over for collection, you know what it's like to get those calls from bill collectors. They call you at all hours at home, call you at work and constantly send you notices in the mail. Is there anything you can do to stop ... 20. Debt Solutions – Is Credit Counseling Right For You? - By: Michael Russell It seems that whenever we turn on the TV we see ads for consumer credit counselling to help us with debt solutions. There are some experts who say this is a great way for consumers to get out of debt, while others say to never use a credit counselling service. So what do you do? How can you make a d... 21. Debt Free Living - By: Michael Russell Living a debt free life is the dream of just about everyone. For those who are now living a life without debts, you are truly blessed. Did you know that in 2005 the average American carried approximately $8,000 in credit card debt? Most everyone is living from payday to payday. If they miss one or t... 22. Debt Solutions - By: Michael Russell Okay, let's face it, being in debt has got to be one of the most scary and uncomfortable things in a person's life. Constant worrying about how you are going to pay the next bill that comes in and how you're going to continue to put food on the table can seriously drain anyone. Even the ... 23. Find Money To Manage Your Debt - By: Michael Russell Getting out of debt can sometimes seem an insurmountable task. Debt can certainly pile up a lot faster then it seems to dwindle down! Reducing your debt is never easy. It's a procedure, one that you must follow in order to understand the problem and be sure you don't make the same ... 24. Debt Relief Solutions - Get The Way For Financial - By: Michael Clark Is your debt going out of control? If your monthly debt payments, excluding mortgage or rent, exceed 20% of your income, it means your debts you have a serious debt problem and you need to get rid of debt . The best solution is to go for debt relief solutions offered by debt settlement programs. D... 25. Consumer Debt Solutions - By: Michael Russell Consumer Debt Solutions If you are buried up to your eyeballs in credit card debt, then possibly you should consider consumer debt solutions. If you are only able to make minimum payments and never able to completely pay off a credit card debt or personal line of credit, then you should t... Please feel free to submit your quality, informative article for our readers. |