Related Articles
Debt Management vs. Bankruptcy
By: Brian Dolezal | 18/01/2007 | Finance
Every day, individuals and families are forced into bankruptcy simply because there is no other way out of their financial distress. It is important to realize that, before having to file for bankruptcy, every possible option should be explored to help avoid the single most damaging blemish that a credit report can possess.
What Are My Debt Relief Options?
By: Anthony Dean | 18/04/2008 | Credit
If you are in debt the worst thing you can do is pretend the problem doesn't exist; admitting there is a problem is a good start as it will allow the person to seek help and regain control of their finances.
Are There Different Debt Consolidation Programs?
By: Devora Witts | 10/06/2008 | Debt Consolidation
As regards to debt reduction there are many terms that can easily confuse those who are not used to them: Debt relief, debt negotiation, debt settlement, debt consolidation, debt consolidation loans. All this concepts, though related, are different and each one has serious implications in your finances both advantageous and not.
Debt Settlement & How It Can Save You Thousands On Credit Card Bills
By: Brian Dolezal | 22/01/2007 | Finance
Debt settlement is a method used to permanently eliminate certain types of debt. Often reserved as a last attempt to collect a debt prior to writing it off as uncollectible, creditors are sometimes willing to accept a reduced financial settlement in order to fully satisfy a debt.
Using Consolidation Loans for Debt Relief
By: Bobby Zangrilli | 08/08/2007 | Debt Consolidation
In today's hectic life, it can often be difficult to stay on top of your monthly repayments. Credit card bills, utilities bills, the mortgage, student loans – they can all mount up, and if you miss a payment here and there, you could quickly find yourself with a mounting interest bill. Fortunately, most of us would benefit from the security of a consolidation loan, providing us with a considerably more manageable financial commitment. In this article, we'll look at how a consolidation loan ca
Credit Card Debt Relief And You
By: Anthony Dean | 18/04/2008 | Debt Consolidation
It was only a matter of time before the number of people experiencing credit card debt would increase; this situation is the result of years of easy living on credit.
Getting Out of Debt: A Strategy
By: Ted Batron | 13/06/2008 | Finance
The strategy for getting out of debt is easy. Earn more money or spend less of it. Ideally you should do both. Most people either never put their plan into practice, or give up way too soon.
Oh great, reflections on the obvious. It takes a lot of discipline to achieve...
Tips For Staying Out Of Debt
By: Brian Dolezal | 25/01/2007 | Finance
Although there is no actual debtor's prison, being buried under a mountain of bills can feel very constrictive. With a little discipline and a lot of persistence, you can happily maintain a lifestyle that will never be in need of debt relief again.
More from Robert Zangrilli
Debt Settlement And Your Credit
By: Robert Zangrilli | 04/01/2007 | Finance
A relatively new approach to debt resolution, debt settlement or debt negotiation is the process of negotiating with creditors to lower the amount that you owe, typically by as much as 50 to 60 percent. A settlement offer is only attractive to a creditor when a consumer is behind on...
Key To Wealth-Building: Approaching Your Credit Rationally
By: Robert Zangrilli | 04/01/2007 | Finance
The primary purpose of good credit is to save you money by helping you procure lower interest rates that otherwise wouldn't be available to you. Interestingly, some consumers fail to recognize this fact when considering the appropriate option for debt resolution. The main reason for this is a lot of...
Understanding Debt Negotiation
By: Robert Zangrilli | 29/12/2006 | Debt Consolidation
This article gives an in depth look at the underlying dynamics of a successful debt negotiation program. Debt negotiation is an innovative way to eliminate credit card debt.
In Depth Look at Bankruptcy
By: Robert Zangrilli | 29/12/2006 | Debt Consolidation
This article exposes some common misconceptions regarding bankruptcy. Not only will affect your credit negatively, but you may have to liquidate some of your property to pay back your creditors anyway.
Paying the Minimums on Credit Cards
By: Robert Zangrilli | 29/12/2006 | Credit
This article details the effects of just making the minimum payments on credit cards. More specifically, it shows that just making the minimums may also affect your credit negatively.
Debt Settlement and the Irs
By: Robert Zangrilli | 29/12/2006 | Finance
This article offers valuable information regarding how the IRS treats the settlement of credit card debt. It argues that even with any additional taxes, you still come out way ahead with debt settlement.
Debt Consolidation Help
By: Robert Zangrilli | 29/12/2006 | Debt Consolidation
This article offers advice for consumers who are considering debt consolidation through a second mortgage. There are some risks to consider prior to getting a home equity debt consolidation loan.
Debt Settlement: Debt Relief for the Elderly and the Disabled
By: Robert Zangrilli | 17/12/2006 | Finance
Debt settlement, also known as debt negotiation or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, a client can reduce their debt by as much as 50 percent and be debt free in as little as 12 to 30 months. Since elderly and disabled consumers have non-garnishable wages, they are ideal candidates for debt settlement.
Finance 
