Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt: Practical Solutions To Get Out of Debt, Build Wealth, And Radically Transform Your Finances Forever!
Life After Debt is the culmination of thousands of one to one meetings with people just like you and I but deep in debt. In many cases their debt was not so much a function of irresponsibility but rather health issues, divorce and the economy. In this book author Rob Kosberg peels back the curtain on the strategies and mindset needed to overcome debt once and for all. Get this book today and be on your way to a debt free life forever!
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Beat The Bill Collector: How To Obtain Freedom From Your Debt
Beat The Bill Collector: How To Obtain Freedom From Your Debt
If debt collection agencies are harassing you to settle your unpaid bills, you do not have to put up with their bullying tactics! This book tells you exactly how you can use simple tricks to get them off your back for good or resort to heavy legal firepower if they persist in calling you at work or home. Know your rights!
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Graduation Debt: How to Manage Student Loans and Live Your Life (CliffsNotes)
Graduation Debt: How to Manage Student Loans and Live Your Life (CliffsNotes)
Graduation Debtis different from the competition because it provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Yet, it’s completely positive. The focus is less on sacrifice and more on not wasting money, so readers can live better lives while paying off debt.
The book’s content is divided into small subsections geared toward those neck-deep in student debt. The brevity of each section makes the book digestible to those who aren’t inclined to focus on their finances. Readers are encouraged to take action steps such as finding long lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios that’s needed to buy a home, discussing their student loan and non-student loan debt with their significant others.
By the end of the book readers will be on the road to managing all their debt and having extra money for vacations and other fun stuff, too.
How to Miss Student Loan Payments Without Hurting Your Credit
Amazon-exclusive content from the author
Worried your credit will take a nose dive if you miss federal student loan payments? Your credit won’t be dinged if you call your loan servicer and qualify for a temporary payment reprieve.
What steps do you need to get approval for an excused absence from making payments?
1. Write down your monthly expenses and your monthly income on a piece of paper. Your loan servicer is going to want to know why you need a break from student loan payments.
2. Peruse the Department of Education’s or your servicer’s Web site to see if there are special reasons you might qualify for a payment break such as military service or you’re returning to school. You’ll find the words forbearance and deferment. These are the terms used for an approved temporary break from payment. The difference between the two is that in deferment the government will pay the interest charged until your deferment expires.
3. Write down circumstances that apply to you that you found on the same piece of paper as your finances.
4. Find the contact information for all your student loans. If you don’t have your paperwork for all your loan servicers, contact the department of Education or pull up your loan list by logging in to the National Student Loan Data System Web site.
5. Click on each loan that shows a balance in the Outstanding Principal column. Scroll down to the contact chart and write down the name of your servicer and the contact number. Repeat for each loan on which you still have a balance.
6. When you call each of your servicers, tell them you need either a deferment or forbearance. Then tell them your circumstances as to why you need a payment break. There may be a brand new type of forbearance or deferment that may work better for you.
7. Don’t accept more time than the maximum you could need at once, especially if you qualify for forbearance instead of a deferment. Why? Your interest still accrues if you are granted forbearance. For example, let’s say you have ,000 in student debt at a rate of 5 percent. You decide to take a six-month payment break. Six months later, your loan has grown to ,500 because of accrued interest and no payments made.
8. Fill out any necessary paperwork asked for by your servicer (s). Wait a week after you submit paperwork to call and verify paperwork has been received.
9. To protect your credit, wait to stop making payments until you’ve received a notice in writing from each servicer with the exact date your deferment or forbearance will begin and end. Call each servicer to verify this date and the date you should start making payments when your deferment or forbearance ends.
10. Keep your loan information in a folder in a place where you will be able to easily find the information later.
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Categories: Loan Products Tags: CliffsNotes, Debt, Graduation, life, live, loans, Manage, Student
Save Karyn: One Shopaholic’s Journey to Debt and Back
Save Karyn: One Shopaholic’s Journey to Debt and Back
Drowning in ,000 of credit card debt, shopaholic Karyn Bosnak asked strangers for money online — and it worked!
What would you do if you owed ,000? Would you: A) not tell your parents? B) start your own website that asked for money without apology? or C) stop coloring your hair, getting pedicures, and buying Gucci? If you were Karyn Bosnak, you’d do all three.
Karyn started a funny yet honest website, www.savekaryn.com, on which she asked for donations to help her get out of debt. Karyn received e-mails from people all over the world, either confessing their own debt-ridden lives, or criticizing hers. But after four months of Internet panhandling and selling her prized possessions on eBay, her debt was gone!
In Save Karyn: One Shopaholic’s Journey to Debt and Back, Karyn details the bumpy road her financial — and personal — life has traveled to get her where she is today: happy, grateful, and completely debt-free. In this charming cautionary tale, Karyn chronicles her glamorous rise, her embarrassing fall, and how the kindness of strangers in cyberia really can make a difference.
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Categories: Loan Products Tags: Back, Debt, Journey, Karyn, Save, Shopaholic's
Credit Card Debt
When you’re eyeing something terribly and you happen to not have the cash on hand, you are probably tempted to opt for your credit card without thinking of how you will pay for your statement when it finally arrives. Chances are, you will get stranded in a credit card debt. To boost your discipline not to fall into such trap, it’s best that you understand what you will be going through if you face such challenge. If you’re already drowning in credit card debt, then it’s best that you get some help.
Categories: Loan Videos Tags: Credit, Credit Cards, Debt
Out-of-Court Debt Restructuring (World Bank Studies)
Out-of-Court Debt Restructuring (World Bank Studies)
This study provides a conceptual framework for the analysis of the questions of out-of-court debt restructuring from a policy-oriented perspective. The starting point of the analysis is given by the World Bank Principles for Effective Insolvency and Creditor Rights Systems. The study offers an overview of out-of-court restructuring, which is not seen as fundamentally opposed to formal insolvency procedures. Actually, the study contemplates different restructuring techniques as forming a continuum to the treatment of financial difficulties. Thus, from the purely contractual or informal arrangements for debt rescheduling between the debtor and its creditors, to the fully formal reorganization or liquidation procedures, there are numerous intermediate solutions. In the study, these solutions are identified by the terms of enhanced procedures where the contractual arrangements are supported by norms or principles for workouts; and hybrid procedures where the contractual arrangements are supported by the intervention of the courts or an administrative authority. The study discusses the advantages and disadvantages of all the debt restructuring techniques, and concludes, in this regard, that a legal system may contain a number of options a menu that can cover different sets of circumstances. In the end, the law may offer a toolbox with very different instruments that the parties may use depending on the specific facts of the case. A substantial part of the study is devoted to the analysis of the enabling regulatory environment for out-of-court restructuring. It is evident that debt restructuring does not operate in a vacuum: in fact, the general legal system influences and to a certain extent determines the possibilities for debt restructuring in any given jurisdiction. The study provides a checklist that can be used to examine the features of a legal system that bear a direct influence on debt restructuring activities. The different characteristics of informal restructurings, and of enhanced and hybrid debt restructurings are covered by the study. The different approaches to debt restructuring aim at combining the advantages of an informal approach with the advantages of formal procedures: especially, the existence of a moratorium on creditor actions and the binding effects of creditor agreements concluded within the insolvency process.
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Categories: Loan Products Tags: bank, Debt, OutofCourt, Restructuring, Studies, World
Sustainable Wealth: Achieve Financial Security in a Volatile World of Debt and Consumption
Sustainable Wealth: Achieve Financial Security in a Volatile World of Debt and Consumption
A personal finance guide for today’s turbulent world
Sustainable Wealth empowers you to achieve your financial goals by unleashing the shackles of debt, no matter how uncertain the future may be. Filled with in-depth insights and practical advice, this reliable resource illustrates how you can predict economic booms and busts before they happen, adapt to changing markets and plan for lasting financial stability.
Over the course of his career, Axel Merk has been at the forefront of identifying major trends, a leader in the public policy debate on how to fix the economy, and guide for investors looking to navigate the global credit crisis. With this new book, Merk puts your financial decisions in a global context and shows how factors ranging from the Federal Reserve and Congress to trends in Asia and Europe influence your financial well-being.
- Coaches you how to recognize major economic trends before they happen
- Puts forth a plan to help you cope with expenses and save for retirement, while building a legacy of wealth, not a mountain of debt
- Reveals why “staying the course” when governments or markets change the rules may be hazardous to your wealth
As investors struggle to adapt to the new financial landscape, Sustainable Wealth provides straightforward answers to the tough financial questions we face-and the tools to achieve a financially sustainable lifestyle.
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Categories: Loan Products Tags: Achieve, Consumption, Debt, Financial, security, Sustainable, Volatile, Wealth, World
Q&A: Bank loan or debt consolidation program for credit card payoff?
Question by honhill: Bank loan or debt consolidation program for credit card payoff?
Due to a family tragedy, my husband and I are currently in $ 26,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this down before the interest eats us alive. My husband wants to take out a bank loan and pay the cards off that way, but I am wondering about the debt consolidation programs you hear about (I know some of those are scams and some are real). Any advice or experience?
Best answer:
Answer by dakeen forx
If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can’t be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.
Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.
A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn’t undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.
What do you think? Answer below!
Categories: Loan Questions Tags: consolidation, Credit, Debt, loan, payoff
Zero Debt for College Grads: From Student Loans to Financial Freedom
Zero Debt for College Grads: From Student Loans to Financial Freedom
“Zero Debt for College Grads, by Lynnette Khalfani, puts into plain English what many recent college graduates need to hear: lay off the credit cards and expenses and be a bit more realistic with your lifestyle.” –The New York Post
As the cost of a college education continues to increase at a rate of about 9% annually—nearly three times the rate of inflation—more and more college students are taking out loans to cover tuition, fees, and other expenses. Median undergraduate student loan debt is currently close to ,000, and graduate students end up with an additional ,000 in debt upon graduation. Pile on thousands more in credit card debt, and many college students today graduate with massive financial burdens that they are not prepared to handle.
In Zero Debt for College Grads, noted personal finance expert Lynnette Khalfani provides a thorough roadmap for stress-free living that will allow recent graduates to focus on their burgeoning careers while navigating the ups and downs of their financial responsibilities.
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How to Legally Settle Your Personal and Credit Card Debt for Pennies on the Dollar: Without Filing Bankruptcy
How to Legally Settle Your Personal and Credit Card Debt for Pennies on the Dollar: Without Filing Bankruptcy
The current economic climate is dim for many Americans it forecasts potential recession, trouble for homeowners, and increasing personal and credit card debt. According to Federal Reserve estimates, that credit card debt is already in the trillions of dollars and rising each year. So, what can you do about it without immediately resorting to bankruptcy eliminating the entirety of your finances for years to come? It s a tough question to answer and one that many are faced with regularly, but there are ways to handle these debts legally without reaching for the extreme, final measure that we all dread so much. This book was written to provide every individual who is standing at the precipice of too much debt with the tools they need to settle that debt legally without ruining themselves forever. You will learn everything you need to know about the basics of debt, including what the various kinds secured, unsecured, personal, business, and tax debt entail and how they affect you. You will learn what happens to you when you don t pay, both legally and socially, and what your first steps should be on the road to repairing your debt. You will learn how to assess your overall risks and what your options are with your creditors. You will learn what vulnerabilities your debt collectors have legally and what you can do to legally challenge the validity of your debt. You will learn how to deal with bill collectors and how to create a line of communication that is two ways and not reliant solely on them making demands. Top financial experts, bill collectors, and one-time debt owers have been contacted and interviewed for this book and their interviews have been included here to provide a complete outline of what you can expect when you try to settle your debt. You will learn how to start negotiating settlements with your creditors and what specific things you can and cannot do when dealing with them. You will learn the variety of debtor s rights that exist and why they are never told to you, including details about the Fair Debt Collection Practices Act and how this act is legally enforced. For anyone who has ever spent the better part of their life dodging calls from creditors or trying to figure out how to pay those bills next month, this book will be the tool you need to understand how to tackle and deal with your debt.
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