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debt reliefIt is possible for people to experience financial problems and not be able to meet payment obligations to their lenders. This could have tremendous impact with major items such as homes, cars and more. When an individual gets too far behind in their payments, the lender has a number of options if the debt is secured. A lender can legally repossess items such as a car or home and more.

debt consolidation It’s January and that “Merry Christmas Time” of two weeks ago has suddenly turned into “What Am I Going To Do About My Taxes?” time. If debt consolidation or elimination is on your mind, you’re probably looking forward to that check from Uncle Sam. If you did a little advance planning about a year ago, your main concern now should be what to do with your tax refund check.

Credit scoreCredit scores affect everyone because lenders use them to determine who qualifies for financial transactions such as getting a loan or securing a credit card without collateral. Landlords may use them to determine who is worthy of renting an apartment. Your ability to purchase a big-ticket item by financing it can be determined by a credit score. If nothing else, borrowing even a small sum of money is more expensive when your score is low.


It is a sign of a weak job market that many families are finding themselves in debt. As the number of households in debt has risen, so has the number of Savannah debt collection agencies. In this post we will look at your legal rights when dealing with collection agencies by taking a look at the Fair Debt Collection Practices Act.

 Loan ForgivenessStudent loan forgiveness is something that allows people to get all or part of their student loan debt discharged.If you’re paying off a student loan this kind of discharge would be very welcome! While this may seem like an easy way to get out of debt, there are several things that you should know about student loan forgiveness, because you must meet some very specific criteria before being considered.

Credit Card SkimmingCredit Card Skimming is a technique that people use to steal information from a person's debit or credit card. There are handheld devices that can be used for skimming. It is relatively simple to get access to these devices. In fact, you can purchase the devices needed to skim a credit card on the internet just by initiating a search with Google..

how does refinancing workRefinancing one's mortgage is trading in an old loan for a new one with a fresh term and interest rate. One can choose to acquire a new mortgage from the bank that initially held their old loan, or refinance with a different lender. Whichever the case, the bank or lender that gives you a new mortgage normally pays off the old mortgage with a new one, hence the word refinancing.

us bankruptcy courtDebt is a problem with a large number of people. Consumers have overwhelming credit card debt, student loan debt, vehicle loan debts and the like. The epidemic hits people for varied reasons such as job loss, disability, household change and irresponsible spending. Once a person gets into the hole with debt, it becomes like a pool of quicksand. The situation gets so far out of hand that only a drastic solution will help.

bad credit cardsCredit card advertising is everywhere, both online and off. Ads for cards show up on websites, in your email and in your mailbox at home. While having a credit card or two can be a sound financial strategy, many people fall into the trap of applying for and using bad credit cards. Using cards with unfavorable terms can rapidly increase your debt and make it difficult to get your finances under control.

bankruptcy lawyerIf you pause for a moment to think about it, you will see that we live in a society that runs on debt. Mailboxes are full of credit card offers and television brings more ads that offer easy credit so you can purchase everything from a vacuum cleaner to a house that needs cleaning. The only problem is that easy credit will also lead to easy debt and that easy debt can pile up until you find yourself with more debt than you can quickly or easily pay off.