9 Simple & Easy Money Saving Tips Car Owners Need to Know
I am a big car and motorcycle enthusiast, I always will be. Everybody has a blood type and mine is 94 octane. I’ve been asked many times over the years about my opinion on certain cars, and been called upon as an expert to help many friends evaluate a used vehicle.
The 7 Questions You Need to Ask a Debt Settlement Company Before You Sign Up
Having settlements negotiated on your credit card debts requires know-how, patience, persistence and requires a lot of time. Using a good debt settlement company is a great idea if you want it done right.
Credit vs. Debt – Can I Get Debt Free Without Ruining My Credit?
If you are drowning in debt, and you are serious about doing something to end your financial problems, then you will need to decide where to focus your efforts.
Collection Agency use of draft statement of claims?
In a letter addressing 176 collection agencies in Ontario the Registrar of Collection Agencies appears to be making a change in the way Collection Agencies in Ontario can do business.
How Facebook Can Get You in Serious Trouble with Bill Collectors
We recently discovered that bill collectors are using popular social networking sites like Facebook and Myspace to dig up very personal information on people in debt.
How to Settle Debt for Half of What You Owe, and Do it in 30 Days
Question: What do you do when you are trying to refinance your mortgage to consolidate your debts but there isn’t enough money to pay all those bills in full?
Simple Tips For Great Credit
Understanding how your credit score works and what causes it to go up or down can be very confusing for those that do not understand credit. Let us share some simple secrets we have learned over the years on managing your credit score.
Debt Is Dumb – The Critical Errors People Often Make and How to Avoid Them
Society in general has been brainwashed into believing that credit card and loan debt is a necessary evil and that it’s okay to have loads of debt. Well, I am here today to dispel the myths and tell you how dumb debt really is and why some people end up staying in debt for a lifetime.
How To Stop Collection Calls – Part 2, The Free Option
Part 2 on how to stop collection calls and telemarketers. The free option.
How to Stop Collection Calls
Harassing collection calls when you owe debt can be a nightmare. People tell us all the time how relentlessly the phone can ring when they owe money. There is a way to minimize this and actually stop it in some cases.
Debt Consolidation Loans, the Shocking Truth Exposed
The phrase that most people associate with getting out of debt is “debt consolidation”. This phase has been used over the years in different versions to mean many things to different people, but consolidating debt essentially means getting a new loan to pay out existing debts. This situation is ideal if you have great credit and can get an interest rate lower then what you are paying right now.
How Banks Can Take Your Money Without Asking – Learn How a Right of Offset Works
The collection of debt is a stressful event. Phone calls, nasty letters and constant threats of legal action are often enough to drive you crazy. Creditors have a trick up their sleeve that most people don’t know about, and when it happens it’s even more disastrous then an irritating bill collector phone call.
Legal Action – The Truth Exposed
People with debt are always concerned about answering a lawsuit, I should state first that: we are not lawyers and this article is not legal advice and should not be used as a substitute for the advice provided by a licensed expert. This article is for informational purposes only and based solely on our years of debt management experience.
Get Out of Debt, The Secret
In order to get out of your debt, you must apply the secrets of debt freedom. These tips are the foundation of becoming debt free and creating options in your life.
DIY (Do-It-Yourself) Debt Settlement
Do it yourself debt settlement can save you a lot of money, many people live by the “if you want it done right, you’ve got to do it yourself” camp.
Credit Card Offers – Using Promotional Offers to Pay Off Debt
Beware of the special and introductory offers at ridiculously low interest rates. It’s generally a bad idea to use credit cards to consolidate debt. I get bombarded with offers of anywhere from 0% – 4.99% credit cards all the time.
Debt Settlement Facts
One of the most common questions people ask about debt settlement is: does it ruin my credit rating?
Bill Collectors – The 6 Biggest Lies Exposed
Bill collectors are essentially sales people that are paid commission to convince you to pay a debt in full that you couldn’t afford to pay your creditors directly at one time. You have to be careful when addressing a bill collector, always keep in mind that their job is to scare you into paying your bill; as a result they will lead you to believe certain things that simply aren’t true.
Credit Counselling – What You Need To Know Before Signing Up
On the one hand, credit counselling can be a good way to resolve debt while avoiding bankruptcy. On the other hand, it can be like an onion; once you peel back the layers, you may cry after you see what you are getting into.
Filing Bankruptcy in Canada and What You Need to Know
Bankruptcy can sometimes be your best way out of an overwhelming debt situation but you should consider how the law forces a Trustee in Bankruptcy to operate in Canada before handing over all your assets and debts to the Trustee. Bankruptcy is not an easy or quick fix; it is a serious decision with significant consequences.
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Freedom Stories
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Doug
Toronto, OnThanks for your hard work, it only took me 4 weeks to be debt free and the results were incredible. The creditors stopped calling almost immediately and I saved over $54,000. I sleep much better at night now.
