If looking for a bankruptcy alternative, it is worth considering unsecured debt settlement. It is amongst the most effective strategies to save money for those who are over-burdened with debt. It not only helps reduce the principal (amount owed), it also improves affordability. Unsecured Debt Settlement A debt settlement program involves an intermediary negotiating with […]
Being able to survive the credit crunch is largely about making lifestyle adjustments to provide room for manoeuvre. The problem is that too much credit card debt means there is little scope when bad things happen. This article will help people save money during the credit crunch. Pay off Credit Card Debt During the Credit […]
With mounting mortgage, car loan and credit card repayments to handle, it’s little wonder that most people are living in debt these days. Ignoring the debts is not going to help anyone. It’s only going to make it worse. No matter how hopeless the financial difficulties are, the best thing to do is to take […]
Many people would like to refinance mortgage loans but do not know where to start or find that the prospect of dealing with mountains of paperwork and applications is off-putting. In the right circumstances, refinancing can be a wise choice despite more difficult times in the financial sector. A low refinance mortgage loan can mean […]
Good credit is needed for many things – from purchasing a home or vehicle to receiving a low interest rate on different types of loans. Those without a good credit score can really suffer when it comes time to make large purchases. Unfortunately, many people suffer with a low credit score and aren’t sure how […]
Anyone can cut back on spending to save money for an emergency fund or savings account. It’s critical to work on reducing one’s debt by cutting spending on a regular basis. Once a person has enough savings to cover his living expenses for six months, he has stability to afford extra luxuries. Save Money on […]
Getting out of debt is much harder than getting into it. That’s a fact. When the shopping experience is over and the excitement of new purchases wears off, what remains is a debit on the bank balance that won’t just disappear. Getting rid of loan and credit card debt requires sacrifice and consistent effort. This […]
Getting cheap loans and deals on mortgages, as well as other types of credit, often depends upon the customer or businesses’ credit score. A free credit report can be obtained by applying to certain credit agencies’ credit monitoring programs (Experian, Equifax or CallCredit) and canceling before the free trial period expires. But if any of […]
When all the normal steps to get rid of debt haven’t worked or aren’t available, declaring personal bankruptcy may be the only way to tackle serious debt problems. However, before filing bankruptcy there are a number of important steps that need to be taken. Since the passing of the Bankruptcy Abuse Prevention and Consumer Protection […]
An increasing number of UK homeowners and professionals are seeking a viable bankruptcy alternative. This has led to more debtor’s turning to an IVA debt solution. According to the Insolvency Service, a seasonally adjusted 29,774 people entered into an Individual Voluntary Arrangement (IVA) during the first quarter of 2009. This represents an increase of 19% […]
