Debt
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Guide to Filing Bankruptcy: Knowing Your Options
The mere word "bankruptcy" is enough to fill the most responsible person with dismay. Unfortunately, there are times when there are simply no other good options. Long term unemployment, excessive medical bills and even divorce can all lead to...By September 9, 2011
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A Guide to Personal Financial Freedom: Is it Fact or Fiction?
Late night TV is filled with ads from so-called personal finance experts who will happily take several of your hard-earned dollars and give you the secrets of financial freedom. But, you don't really need to cough up some of your extra dough. Instead...By August 31, 2011
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Got Student Loans? Learn How to Negotiate the Debt!
If you are preparing to enter into the negotiating process with your student loan lender, you better go in prepared. Learn the primary reasons lenders allow you to renegotiate your students loans, make sure you fit the bill and then uncover your options...By August 24, 2011
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Can Debt Servicing Companies Get You Out of Debt?
In tough times many of us face debt—overwhelming debt! With lower income levels due to job loss or illness it’s often hard to repay that debt on your own. Should you seek out the help of a debt arbitrator? Find government facts and...By August 23, 2011
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Drowning in Debt: Sensible Steps to Survival
Most people find it easy to get into debt and not as easy to get out of debt. Achieve freedom from excessive debt by making an honest review of income and expenses, and find ways to pay down debt that has already been incurred. Find help overcoming barriers...By August 23, 2011
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Escaping the Monthly Mortgage Burden
Saving money is never easy, but there are some effective ways to reduce your overall debt. You can shave months off your monthly expenses by using some of these easy to handle, money-saving mortgage payoff tips.By August 10, 2011
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Best Use of Your Money: Invest or Pay Off Mortgage?
What type of investments are we talking about? The volatility of the markets does not inspire much confidence in Wall Street and European financial troubles are compounding the state of our stagnant economy. Best advice: Invest in yourself.By August 10, 2011
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10 Tips for Improving Your Debt to Income Ratio
A recent news story showcased a couple for winning the biggest jackpot in European Lotto history. The couple has modest interest and intents for their new found wealth, but the most striking comment made was: "We have always lived within our means...By July 23, 2011
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How to Calculate Your Debt to Income Ratio: Explaining With Examples
We all know that when we don't need the money, the banks are eager to lend it, but when we are in dire straights we can't get a loan to save our lives. It's not a coincidence, banks know our finances better than most of us do and if we are...By July 23, 2011
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The Chapter 7 Means Test: Do You Qualify?
Chapter 7 bankruptcy qualification, or the Chapter 7 Means Test, was introduced with the Bankruptcy Reform Act of 2005. This is the new barometer in the world of bankruptcy and determines whether or not your are eligible.By July 12, 2011