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  Category: Articles » Articles by Author » Author: Charles Phelan
Results 1 - 8 of 8 [1 Pages]  
1.Debt Settlement & Income Taxes - What You Need To Know
Debt settlement has become a popular approach to resolving problem debts without having to file bankruptcy. With this approach, creditors agree to accept a portion of what you owe (usually around 50% or less) to settle the account, and the remaining balance ...
[Added: 23 Oct 2005   Hits: 789   Words: 564]

2.The New Bankruptcy Law "Means Test" Explained in Plain English
With the new bankruptcy law in effect as of October 17, 2005, there is a lot of confusion with regard to the new "means test" requirement. The means test will be used by the courts to determine ...
[Added: 26 Sep 2005   Hits: 478   Words: 938]

3.Credit Protection Insurance -- Just Another Consumer Rip-Off
Credit protection insurance is a good example of a consumer rip-off that affects millions of people, yet receives little attention in the financial media. Simply stated, you should NEVER buy "credit protection insurance," or a "payment protection plan" or any ...
[Added: 26 Sep 2005   Hits: 355   Words: 926]

4.Credit Cards For People With Bad Credit - How To Avoid Getting Ripped Off
If you've had credit problems, then you've probably received offers for credit cards aimed at people with bad credit. These offers range from legitimate, to questionable, to outright scams. How can you tell the difference? The answer is to read the fine print, usually ...
[Added: 15 Sep 2005   Hits: 374   Words: 973]

5.Budgeting -- The Critical Flaw That Causes Most Budgets To Fail
Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense ...
[Added: 24 Aug 2005   Hits: 342   Words: 993]

6.The New Bankruptcy Law -- How Will It Affect Debt Negotiation?
In April 2005, Congress made sweeping changes in U.S. bankruptcy law that will go into effect on October 17, 2005. It's called the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005," and it means big trouble for ...
[Added: 24 Aug 2005   Hits: 361   Words: 995]

7.Debt Relief -- Why Most Programs Have A 75% Failure Rate
Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy – it doesn't matter which of these debt programs you're talking about. They all suffer from one fatal flaw, the number one problem that causes most people to fail at eliminating their ...
[Added: 24 Aug 2005   Hits: 380   Words: 1038]

8.Debt Settlement -- Why The Critics Are Wrong
After October 17, 2005, a lot of people are going to become interested in debt settlement as an alternative to bankruptcy. That's the date the new bankruptcy law goes into effect, and it means a rude awakening for many consumers seeking a fresh start in bankruptcy court. It used ...
[Added: 24 Aug 2005   Hits: 339   Words: 1144]