Michael Killian - Articles

 (231)

Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year. He has also offered debt elimination seminars to businesses and community colleges for the last 9 years. He has been interviewed on the radio a number of times and referenced in numerous publications. http://learncreditmanagement.com/

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Popularity
62

The Other Face of Payday Loans
Some time ago I wrote a rather blistering article about Payday Loans which you are welcome to read. But because of its tone, I decided to take a second look at this multi-billion dollar industry in order to learn and to offer you, the reader and consumer, any positive aspects of payday loans. Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
52

5 Steps to Change Any Habit
If you want to change any habit, change the actions that produce the habit. Within this article you will learn the most powerful 5 step system I have ever seen to change any habit plus 2 key bonuses that add rocket power to your efforts. Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
62

Foreclosure, Eviction, and Repossession
Want to discuss a nightmare? Foreclosure, eviction, or repossession may be at the top of the list. What is involved in foreclosure, eviction, or repossession? How long does the process take? Does a consumer have recourse? Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
50

Gift Cards – Buyers Beware
You can barely walk thru a grocery store or many other outlets without seeing racks and racks of gift cards. Are they safe and are they as convenient as promoters would have you think they are? Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
57

Secured Credit Cards – the Good and the Bad
If you are unable to get a normal credit card because of poor credit, all hope is not lost. A secured credit card is different in that it utilizes funds a consumer has placed in a savings account. The secured card is protected by the savings account. Therefore the consumer is “borrowing” from his or her own account. In this way the consumer can re-establish their credit repayment history thereby exhibiting improved credit worthiness. Read
By: Michael Killian | 12/02/2008 | Credit
Popularity
50

Bankruptcy – is it the Last Option Only?
Bankruptcy is available when all other debt payment measures have failed and the unpaid debt is simply beyond the means of the consumer to repay. It is essential, then, to understand debt options prior to bankruptcy and to determine which debt repayment method is the least detrimental. Additionally it is the law of the land that you know your debt repayment options prior to bankruptcy. Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
53

More Money Common Sense
The way to more spendable money is not complicated. You either decrease expense or you increase income. Decreasing expense is the subject of numerous other articles at this site. Increasing money and doing it through a common sense approach is the current subject. Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
50

How to Curb your Spending
The Federal Trade Commission (FTC) says, "If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation [debt negotiation], or bankruptcy. How do you know which will work best for you? It depends on your level of debt, your level of discipline, and your prospects for the future." Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
58

Statue of Limitations (sol)
You hear a great deal about Statute of Limitations but what exactly is it and how does it apply to you? In essence, the Statute of Limitations (as far as debt is concerned) is the amount of time a creditor has to sue you. Each state has its own time frame for a Statute of Limitation. Read
By: Michael Killian | 12/02/2008 | Personal Finance
Popularity
50

Senior Debt - a Growing Problem
Chris Tapp, UK deputy director of Credit Action, said: "Retirement should be a time for some well-earned relaxation, but for all too many it is a time of financial stress… when we consider that inflation hits the over-60s hardest, pension provision is looking increasingly shaky, and we have moved away from a savings culture, we can see that the levels of debt amongst the over 60s, as well as being a serious issue now, is one which is only likely to get worse." Read
By: Michael Killian | 12/02/2008 | Personal Finance