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Consumer Debt Solution - Analyzing Your Options
You have several options to reduce your consumer debt. You can
take the do-it-yourself approach by consolidating debts into a
low rate loan. You can also find help through companies that
management payments or negotiate debt elimination. Each...
Debt Consolidation - What Is It And How Can It Help You?
A debt consolidation program can help you rid yourself of the
burden of excessive debt and may save you hundreds or more
dollars each month. Debt consolidation experts can help you
assess your situation and make recommendations as to your...
Debt Counseling Solutions for Credit Repair
Is debt counseling a solution for credit repair? Debt Counseling
Services and Credit Services are Organizations that are
sponsored by most of the creditors. Most Debt Counseling
services are nonprofit organizations; however there is few that
are...
Securing a Debt Consolidation Loan
It's the day you've been waiting for the last two weeks...
payday and the only time when your face lights up and you
actually go to the office with a lot of wonderful, dreamy
thoughts in your head - such as how fast you'll be able to bolt
out of...
The Battle of the Budget: How To Get Out of Debt
A lot of people I talk to tell me that they have a great idea for a home business, but when I ask them when they are going to start it up, more often than not they say something like, "Well, I would start, but I don't have a lot of spare cash right...
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TOP 10 WAYS TO AVOID DEBT DURING THE HOLIDAYS
The Debt Trap: How Your Life Choices Impact on Your Financial Future
1. NEVER use your credit card if you don’t have the money in the bank.
2. WRITE one check in advance for the money you allocate for gifts, and write a
list of what you purchase and the cost of each purchase without exceeding the budget.
3. IF you can’t afford to buy gifts, bake or hand make crafts that don’t throw you
into debt.
4. DON”T rely on anticipated bonus’s or raises when making spending decisions.
5. WHEN purchasing gifts don’t try to keep up with the Jones’s.
6. DON”T carry too much cash since cash goes quicker when it’s in your pocket.
7. BE careful of
excessive telephone use, since it can create huge bills if you don’t
keep track.
8. GIVE several small gift certificates instead of one expensive gift.
9. GIVE of your time to help the less fortunate.
10. REMEMBER the true spiritual meaning of the season rather that the commercialism.
About the Author
Steven Taieb is a NJ State Bankruptcy Attorney. He has written an invaluable book titled, The Debt Trap that could save thousands of consumers the dreaded option of Bankruptcy. Steven Taieb has practiced consumer bankruptcy law for over 18 years and is one of ten lawyers in New Jersey certified by the American Board of Certification in Consumer Bankruptcy Law.
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