Counseling

113 Articles total.
Buying a Car and Saving Money

On Feb 25, 2015 0 104 52

Aside from their home, most Americans will spend more money on their car than on anything else they will buy. And yet, when it comes time to buy that car, most people spend far more time researching the engine, the stereo and the moon roof than they will the finances of the purchase...

Managing Your Finances Once Married

On Feb 25, 2015 0 104 52

It†s important to plan for your financial future beforehand so you have idea of what to expect. Once you get married, most newlyweds†open a joint checking/saving accounts Below is a list of 4 easy steps to take when determining your financial future...

Rent-to-Own at Three Times the Price

On Feb 25, 2015 0 104 52

If you had the opportunity to buy a television or a sofa at a price that was three times the suggested retail price, would you do it? That scenario may seem ridiculous, but thousands of people do just that every day when they sign an agreement at a rent-to-own store...

Structured Settlements - Should You Sell Yours?

On Feb 25, 2015 0 104 52

In recent years, it has become more common for victims of accidental injury who accept a settlement from the at-fault party to accept a structured settlement instead of a lump-sum payment. With a structured settlement, the injured party receives payments over an agreed-upon length of time - five years, ten years, or even a lifetime, rather than receiving payment up front in a lump sum...

Think Before You File For Personal Bankruptcy

On Feb 25, 2015 0 104 52

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file...

Your Credit Card Payment Is Rising: Warning & Tips

On Feb 25, 2015 0 104 52

Summary: Did you know your minimum credit card payment is rising? A new government program working to get Americans out of credit card debt is pushing credit card issuers to raise minimum monthly payments...

Accurate Negative Information And Controlling Your Debt

On Feb 25, 2015 0 104 52

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years...

Can Credit Counseling Really Help?

On Feb 25, 2015 0 104 52

If you have high debt, and are in trouble, you have probably heard the term “credit counseling,†but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it†s a completely different process...

Can You Negotiate with Your Credit Card Company?

On Feb 25, 2015 0 104 52

The average American household has nearly $10,000 in credit card debt, and many people are only able to make the minimum payment of 2% of the balance. Even 2% is $200, and by paying the minimum payment, you could be paying on the balance for decades before you finally pay it off...



Consumer Credit Counseling

On Feb 25, 2015 0 104 52

Consumer credit counseling is a big service field in the United States. It is a common problem for many persons in the United States to face a potential credit card debt. To show these persons the right way to act these credit card counseling services are in the scenario...

Credit Cards From Oil Companies Are No Bargain

On Feb 25, 2015 0 104 52

The number of consumers with oil company credit cards, good for gasoline purchases, has increased dramatically during the last ten years. The two main reasons for this growth are the general easing of qualifications for such cards and the growth of pay at the pump...

Credit Cards: Frequently Asked Questions

On Feb 25, 2015 0 104 52

A secured card is a credit card that a cardholder "secures" with a deposit to ensure payment of the outstanding balance if the cardholder defaults on payment. Secured credit cards are targeted to customers with imperfect or limited credit histories who do not qualify for a traditional unsecured credit card...

CREDIT CARDS: Rules and Fees

On Feb 25, 2015 0 104 52

Learn about the costs and rules of the card. What is the annual fee and are there any costs in acquiring the credit card? What is the interest going to be after the initial 90-day teaser interest rate vanishes? What is your credit limit and what is the penalty if you go over the limit? How and when can your interest rate and credit limit be changed? All of this information is located in the fine print section of your credit card agreement and you have an obligation to pay these fees and costs if you accept and use your credit card...

Credit Card Introductory Rates Can Bite You

On Feb 25, 2015 0 104 52

The credit card industry is a competitive one; all you have to do to see that is open your mailbox. For many consumers, pre-approved credit card applications can be found every week in the mail, often accompanied by offers to let you transfer an existing balance from another credit card at a low interest rate...

Credit Card Machines

On Feb 25, 2015 0 104 52

Credit Cards Machines come in all shapes and styles. Credit card machines come in a variety of price ranges, offering enough choices that you can select exactly the model your business would thrive with...

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