Student Loans Can't Be Swept Away Through Bankruptcy

 
Bankruptcy is in the news these days, as Congress has finally overhauled the Federal bankruptcy law after years of talking about it. The credit card companies, rightly or wrongly, have been pressuring members of Congress to tighten the bankruptcy statutes, saying that too many people were willfully spending money they couldn't repay with the intention of avoiding paying the money back by filing for bankruptcy. That will soon change, and those with student loans may pay a heavy price. Most everyone knows that consumers with problem debt who are unable to pay their debts may file for bankruptcy under Chapter 7 of the Federal bankruptcy code....
 

How to Negotiate Debt Settlements

 
Knowing how to negotiate debt settlements is the key to securing your financial future. Debt negotiation is the process where in you will contact your creditors and will appeal to them with an offer to pay off the amount you owe in easier installments that decrease the principal quicker. Learning how to negotiate debt settlements can be a lengthy process and you may have to appeal to many people within the companies you owe, but this process is the best way to decrease the fees and interest that cripple your capacity to ever really pay off your debt....
 

How to Protect Yourself: Debt Collections

 
So you are getting collection calls? You're desk is full of unpaid bills. You dread answering the phone. You are having trouble sleeping at night because you are worrying about a bunch of bills. You feel depressed. Does any of this sound familiar? If it does then, maybe this article can help you. First of all you need to realize that you are not the only one. You are not alone. Then you need to know that there can be light at the end of the tunnel. This article is not meant to be legal advice. It is to let you know your rights under the law....
 

Bankruptcy Reform: Designed to Protect Big Business

 
Who will benefit from the new bankruptcy reform laws? The financial services industry and other big business groups, that's who. These groups contributed millions of dollars to elect Bush and other Republican candidates in 2000 and 2004, with the goal of overhauling the bankruptcy system. They and other big business groups have continued to spend millions, rage arguments and lobby persistently for bankruptcy reform. In March 2005, with the House and Senate loaded top heavy with Republicans, they succeeded....
 

Slowing Spending - The Key To Your Debt Plans Success

 
Anyone who embarks on a debt reduction program should know the rules for success. There aretwo. You need to stop adding to your debt. You need to find extra money to pay it off quickly. You also need to know the deck is stacked against you. The sellers of goods and services havegobs of information at their fingertips. They know where you live. They have a closeapproximation of your income. They are aware of your interests. They also know your buyinghabits. The information to which they have access is endless....
 

The First Step To Getting Out Of Debt: Make The Commitment!

 
These days, getting into debt is easy. Unfortunately, getting out of debt is not so simple for most people. But you can do, if you go about it the right way. The first - and by far the most important step - to getting out of debt is to MAKE A COMMITMENT! Personally, I spent years telling myself how much I wanted to get out of debt. But then something would always happen - a big expense, a change of jobs, you name it. And even though I really wanted to get out of debt, I never made any real progress....
 

Budgeting and Debt Management

 
Debt management (specifically unsecured) is the first step to taking control of your money! Add a household budgeting plan and you've got a powerful tool for money management. Together, budgeting and debt management build financial security and independence. Yes, you can reduce debt and save for your future financial security at the same time! It can be done. Anyone can do it and everyone deserves it! Unexpected events and expenses play a significant role in creating debt for most of us. A good budgeting plan that prepares you for those events and provides a strong foundation to fall back on is essential for successful debt management....
 

Life on a Debt Management Program

 
First off, once you decide on a DMP your partnership will begin as soon as the company receives a client agreement. The counselor you speak with will become your personal counselor and they will send proposals to each of your creditors outlining your new repayment plan. However, not all creditors will process proposals immediately. It may take several weeks before the creditor notifies the counselor that the proposal has been accepted. Some creditors might request a higher payment than what was proposed, which in that case the counselor will notify you immediately....
 

Fast Track Out of Debt

 
You go to the mail box and scan - a couple fliers (nah), your magazine subscription (yes!) and bills (groan). Every month the bills show up and as you sigh and take out your check book you wonder if you will ever be free. Each month you pay the minimums and although you KNOW you've got a handle on it - you are not charging your credit card or accumulating new debts anymore - it seems that you will be paying the minimum fees forever. Did you know that HOW you pay your debts can affect how soon you will finishing paying them off - even if you keep paying the same amount for debt every month?...
 

The Effects of Consumer Debt

 
Consumer Borrowing Consumer borrowing in the UK has now crashed through the Ј1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today? The National Consumer Council reports that 6 million families in the UK are already struggling to make repayments towards their debt, and Citizens Advice reports that over the last 6 years, they have seen a 44% increase in the number of people seeking debt advice....
 
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