Do Debt!

Pointers For Better Negotiation With Debt Collectors

jenney — Fri, 17 Feb 2012 11:22:13 +0000

When you are drowning in piles of debt, you may think that the only one who can save you is yourself. Yes and no. The initial action should come from you, but you can also look for outside help. When you are faced with critical debt crisis, you possibly see debt collectors as your enemies. But if you know how to discuss your situation with them, debt collectors may prove to be, if not friends, at least partners in ending your financial troubles.

Negotiating with your creditors and debt collectors can help you lessen the debt burden. While there are some who do not allow settlements, it would not hurt if you try to talk to them and discuss your financial condition. Your attempts might eventually prove to be beneficial and result to a good debt reduction offer. But before you do, there are suggested pointers that may help you approach this endeavor better.

Know Your Rights. Just because you failed to pay your debts on time does not mean your rights could be trampled on and disregarded. Debt collection is essential to societal and economic growth because you cannot expect everyone to have the discipline to pay back their debts on time. But there are laws that govern these procedures and you are protected by law. If you have to go through your rights as stated in the Constitution, go ahead. It is best that you are informed and prepared.
Keep in mind that debt collectors can only do so much. They have harassed you with calls and notification letters. They have threatened to pursue legal action against you and seize some of your assets. Now that you are trying to settle and make them reconsider your situation, do not allow them to scare you. They will take all measures to make you pay, but most of their actions and threats violate the Fair Debt Collections Practices Act which is geared towards eradicating abusive approaches in the debt collection industry.
Affirm your financial capacity. debt collection companies may be stern and determined to make you pay back your debts. But as they operate on the ‘better something than nothing’ principle, they may be willing to work with what you can offer. Just be sure that you are honest with what you can allot as payment.
Put your conversations on record. If the debt collection company you are negotiating with is aware that your transactions are recorded, they are more likely to treat you with respect and negotiate with you in accordance to law.

Require a written agreement. It is best that the terms of the negotiation are put on paper so that the debt collector would not act against the arranged debt reduction settlement. Make sure that you have a legitimate and valid copy of the agreement before you pay off your debts.

Consolidate or bear debt woes

jenney — Sat, 31 Dec 2011 04:11:30 +0000

Many of you in the country are faced with debt troubles. In majority of the cases, mindless usage of multiple credit cards is held responsible for this financial mess. However, as soon as you realize that you are into debts, you need to resort to appropriate debt elimination strategy. One excellent way to get out of this financial ordeal is to opt for debt consolidation program. This is an excellent financial arrangement which combines all your unsecured debts into a single big debt and you are then required to make single monthly payment for a certain period of time so as to finally become free of debts. One positive feature of this program is that it does not affect your credit score negatively. Instead, if you make the monthly repayment amount on a regular basis, your credit score is actually increased.

If you default in making payments on the debts that you owe, you are likely to receive harassing collection calls from the creditors and the collection agency. However, you should not ignore these calls. This is so because your creditors are powerful enough to take you to court and they can even garnish your wages. Instead, it would be wise to take these calls very seriously and you must try to explain your financial plight to your creditors. You can also request your creditors to offer some relaxations in the terms and conditions of the debt that you have taken. Chances are there that your creditors may actually offer some kind of relaxations to you.

In the first step of debt consolidation program, you are required to find a genuine consolidation company. This is very important because if for some unfortunate reasons you get trapped in the hands of an unethical consolidation company, your debt elimination endeavors get aborted. So, before selecting your consolidation company, you need to check its status with Better Business Bureau (BBB). If the consolidation company has clean report with BBB, you can be very much assured about its genuineness.

The consolidation company then analyzes your financial condition thoroughly and it also offers free counseling session to you. In the next step, the consolidation company engages in discussions with your creditors so as to decide upon your single monthly payment amount. This single monthly payment amount is less than what you were paying in a month in total to your multiple creditors, before opting for debt consolidation program.

You are then required to make the single monthly amount to the consolidation company. The company is then responsible for distributing the amount to your creditors. By paying the monthly amount for a certain period of time, you finally become free of debts. If you pay more than the minimum single monthly payment amount, you get rid of debt at a faster rate.

Technorati Tags: Debt, debt consolidation, debt consolidation program

Random Idea – Social Credit Cards?

admin — Thu, 04 Aug 2011 12:08:34 +0000

kevinrosehttp://gdata.youtube.com/feeds/api/users/kevinroseTechkevin rose, credit cards, socialRandom Idea – Social Credit Cards?

Duration : 0:4:29

Technorati Tags: Credit Cards, kevin rose, social

Matatu investment

admin — Wed, 27 Jul 2011 10:52:04 +0000

http://www.ntv.co.ke
The financing model of loans for investors in public service vehicles is witnessing a huge shift as more savings and credit cooperative organizations become licensed to operate various routes. The SACCOS are now negotiating better terms for loans for their members as competition to offer the best services in the industry goes several notches higher. But as Alex Mwangi reports, the supply of mini-buses and buses to meet the growing demand for them is still affected by supply constraints.

Duration : 0:1:27

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admin — Wed, 27 Jul 2011 10:51:56 +0000

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Duration : 0:9:41

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Remy: Raise The Debt Ceiling Rap

admin — Wed, 27 Jul 2011 10:50:48 +0000

We may not be able to address our current debt ceiling woes, but we can at least put them to a good beat.

Visit the links below for more Reason coverage on the debt, deficit and government spending:

Five Facts About the Debt

http://reason.com/archives/2011/07/25/five-facts-about-the-debt

The Facts About the Debt Ceiling
http://reason.com/archives/2011/07/18/the-facts-about-the-debt-ceili

Reason.com Topics: Government Spending

http://reason.com/topics/goverment-spending

“Raise the Debt Ceiling” is the third of a series of collaborations between Remy and Reason.tv. To watch Remy’s other videos, go to http:youtube.com/goremy

Music by Remy. Video shot and produced by Meredith Bragg.

Download the mp3 and HD versions at http://reason.tv, the video channel for Reason magazine and http://reason.com

LYRICS:
Raise da debt ceiling!
Raise da debt ceiling!
Raise da debt ceiling!
Raise da debt ceiling!

14 trillion in debt
but yo we ain’t got no qualms
droppin $100 bills
and million dollar bombs

spending money we don’t have
that’s the name of the game
they call me cumulo nimbus
because you KNOW I make it rain

bail out all kind of cars
got all kind of whips
ladies ask me how I get em
I tell em STIMULUS

Social Security surplus?
Oh, guess what? it’s gone
I got my hands on everything
like Dominique Strauss Kahn

ain’t got no Medicare trust fund
son, that’s just absurd
spending every single penny that
we see, son, have you heard?

ain’t got no moral objections
ain’t got kind of complaints
ain’t got no quantitative
statutory budget restraints

so…
[CHORUS]

Yo, we up in the Fed
and we living in style
Spending lots of money
while we sipping crystal

still making it rain
and yeah it be so pleasing
wait, not making it rain–
we be “Quantitative Easing!”

QE1, QE2
QE4, QE3
Dropping IOU’s
in every fund that I see

printing the cash
inflating the monies
callin up China
“a-yo we straight out of 20′s!”

in the club
we be louding out
while to the market, yeah
we be crowding out

on the beach getting tan
and sipping Corona
we got a monetary plan–
and it involves a lot of toner…

[CHORUS]

So if you look at the chart
and examine the trend
we borrow 40 cents of every
single dollar we spend

and non-discretionary spending
increases every day
do you have a comment for Committee?
I MAKE IT RAIN

Mr. Speaker, Mr. Speaker
would you beam me up?
A Congressperson cutting spending?
Couldn’t dream me up

We’re gonna default
if we follow this road!
I should have thought of this
14 trillion dollars ago!

I’m the king of the links
I’m a menace at tennis
I’m sticking spinnaz on my rims
picking winnaz in business

if you’re looking for some cash
it’s about to get heavy
I got some big ol’ piles of money
and guess what–they shovel ready

[CHORUS]

Duration : 0:2:21

Technorati Tags: Boehner, congress, Debt, debt ceiling, debt celing debate, debt plans, Fed, federal decicit, federal reserve, libertarian, make it rain, Obama, Rap, reason, reason foundation, reason magazine, reason.com, reason.org, reason.tv, remy, Senate, spending

Square for iPhone Demo by Kevin Rose

admin — Wed, 27 Jul 2011 10:49:02 +0000

www.squareup.com

Duration : 0:2:28

Technorati Tags: iphone, kevin rose, square

Loan When Should You Apply And Obtain It

admin — Sat, 23 Jul 2011 13:18:34 +0000

Loan When Should You Apply And Obtain It. When can I get a loan. When should I apply for a loan? Can anyone get a loan.

Duration : 0:2:41

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How to install a Window Air Conditioner

admin — Sat, 23 Jul 2011 13:17:14 +0000

Once again, the City of Columbia’s own energy guru, David Mars is helping you save money. He walks you through installing a window air conditioner and securely insulating the unit.

Duration : 0:6:17

Technorati Tags: air conditioner help, how to, window install air conditioner

Watch President Obama’s Full News Conference on Debt Talks’ Latest Breakdown

admin — Sat, 23 Jul 2011 13:17:06 +0000

More on the talks: http://to.pbs.org/orqI21

President Obama said in a Friday evening news conference that he will call leaders to the White House for a Saturday morning meeting, shortly after House Speaker John Boehner walked away from debt negotiations.

Duration : 0:31:8

Technorati Tags: Boehner, commentary, conference, congress, conservative, deal, Debt, debt ceiling, deficit, discussion, Economic, election, Government, news, Obama, politics, press, Reform, spending, talks, White House