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Don’t Pay More Than the Minimums on Your Credit Cards

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I know this is going to sound like crazy talk but keep reading. Now is not the time to pay more than the minimum payment on your credit card if you don’t have a lot of money in savings. If you thought the foreclosure crisis was bad, just watch what is going to happen to credit cards. With twenty thousand ... Read More »

    A Brilliant Article You Need to Read on Misguided Credit Card Lending

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    I just read an amazing article that everyone should read about the future and present of credit cards. If you have an interest in consumer debt issues you need to read “Credit Cards Are the Next Credit Crunch” While it is all brilliant, I think the following section is the most important. There are several factors that are playing into ... Read More »

      Debt is Dragging Even Me Down, Mentally.

      Right now it is a beautiful North Carolina day with the sun shinning over a blue sky, birds singing and a gentle breeze is blowing. In some respects it is a tremendous day worth living. But I’ve got to be honest, I’m trying to get in the mood to dive into the never ending requests for help that are sent ... Read More »

        Make Sure You Type the Full Domain Name When Looking for GetOutOfDebt.org

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        I had to share this with you. It made me laugh and these days I’ll take all the laughs I can get. Apparently I accidently typed in GetOutOf in the google search box as I was absentmindedly looking at the site. If you do that, the number one search result is How To Get Out Of A Car Without Showing ... Read More »

          Quickies – Debt Advice, Bankrupt, Debt, Car Payment, Foreclosure, Getting Sued

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          When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms free debt advice – You came to the right place. Ask me your question ... Read More »

            Government Avoid Foreclosure Loan Modification Open for Refinancing

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            It is important to note that this loan refinancing program is NOT designed for people that are behind or delinquent on their mortgages. You will have to contact your loan servicer and see if you are eligible for help under the Home Affordable Modification part of the program. To participate in the government backed loan modification program borrowers must meet ... Read More »

              I Want You to Meet Who You Helped Today – Mairam Melikova

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              It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more people. ... Read More »

                American Corrective Counseling Services (ACCS) and the Bounced Checks

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                In an effort to help state governments deal with bounced and bad checks, some states have outsourced the dealings with the checks to for-profit debt collectors like American Corrective Counseling Services in California. ACCS has relationships with about 150 county District Attorney (DA) offices. In return for the referral of cases to ACCS, the local DA offices get a cut ... Read More »

                  One in Three Consumers Spanked By Their Credit Card Companies

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                  San Francisco, CA – March 2, 2009 – According to a new survey for National Consumer Protection Week (March 1-8) from Credit.com, a third (33.7%) of consumers say their credit card company has made one or more of the following changes to their credit account: Increased their interest rate 15% Increased their minimum payment due 11% Changed their due date ... Read More »

                    Debt Confessions – Debt Secrets

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                    Here is a summary of recent postings in the Debt Confessional from all over the world. You can see more here. “I am a 52`year`old women, with debt that I feel like I cannot control anymore. My husband does not know all of my debt. He just hands me the paycheck and I pay the bills. My main bills ( ... Read More »

                      Repo Men Shot By Car Owners

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                      An interesting article worth reading is a recent USA Today article titled “Violence up between repo men, car owners“. Alone in his mobile home off a winding dirt road, Jimmy Tanks heard a commotion at 2:30 a.m. just outside his bedroom window: Somebody was messing with his car. The 67-year-old railroad retiree grabbed a gun, walked out the back door ... Read More »

                        Guess What You Might Not Owe? Your Mortgage!

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                        Under the universal law of what you least expect, it appears that the rabid feeding frenzy of banks to initiate loads of subprime mortgages resulted in sloppy loans and sloppy documentation. Bankruptcy judges, foreclosure courts and lawyers are now getting a bit wiser to the trailing mess created as banks sold and resold pools of securitized mortgages. It appears that ... Read More »

                          Quickies – Bank of America, Payday Loans, Divorce, 401k, Credit Report

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                          When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms will bank of america negotiate debt – Yes but debt settlement can be tricky ... Read More »

                            Reforms Recommended for Debt Collectors and Debt Collection Industry

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                            The Federal Trade Commission issued a report today recommending that the debt collection legal system be reformed and modernized to reflect changes in consumer debt, the debt collection industry, and technology. The report describes the changes the FTC believes will provide better consumer protection without unduly burdening the debt collection industry. The Commission also issued its 31st annual report to ... Read More »

                              Statute of Limitations and Time-Barred Debts: State Information

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                              “Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. This is often referred to as debts that are beyond the statute of limitations. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of ... Read More »

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