Last week I wrote about cutting your cable bill by viewing TV shows and movies over the Internet. I’ve found it easy to download some shows I enjoy online, but as I mentioned in that post, watching them on the computer isn’t always convenient.
So I’m following the development of Internet ready TVs pretty closely to see if this will be an option for my family down the road. In the meantime, I’m considering that Netflix box and trying to convince my husband that using the Internet for TV shows and movies could work for us. Read the rest of this entry »
If you have a credit card with a balance and reasonably good credit, you’ve no doubt received balance transfer offers from a competing credit card company. In many cases, for a limited time you can transfer the balance for free and pay an introductory interest rate for a set period of time. Obviously, the goal of the credit card company is to entice you to move your balance over to them so that at some point in the future they can begin earning interest on that balance.
Many consumers take advantage of these balance transfer offers as a means to consolidate debt. They roll the debt from several different credit cards into one new card with a lower interest rate. Debt consolidation allows you to simplify your bill paying as well as reduce the interest cost of your debt. Read the rest of this entry »
If you’ve fallen behind on making your credit card payments and are exploring debt settlement, you may find yourself being forced to work with various collection agencies. While most consumers can deal with the persistent phone calls and letters by many collection agencies, some become terrified when contacted by a collection attorney. Panic begins to set in as thoughts of lawsuits and wage garnishment float through their mind.
Most collection attorneys operate in the same manner as traditional collection agencies. The primary difference is the collection agency is owned and operated by an attorney or law firm. The phone calls you receive will almost never be by an actual attorney and will instead be by a collection agent hired by the attorney or law firm to make outbound calls like any other collection agency. Read the rest of this entry »
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Welcome to the DebtHelp Blog
This blog covers a wide variety of debt consolidation and loan topics.
We rely on a large network of financial experts and leading authors to write the content for the DebtHelp.com Blog.
Chris Rocks is the Regional Director of the National Credit Federation (NCF). NCF is a nationwide membership-based organization that assists consumers recovering from a financial difficulty and those who need a significant increase in their credit score.
Chris began his financial services career as a Financial Advisor helping young families with risk management and asset accumulation strategies. It was during that time that Chris realized that many of these young families also needed someone to guide their choices with regards to debt management.
He made the transition into the mortgage industry where he first worked as a loan originator and later the Vice President of a small mortgage company. As Chris came across clients who had suffered through financial challenges and saw the difficulty they had in re-entering our credit driven economy, he discovered there was a real opportunity to leverage his unique background and help others.
He can be contacted by visiting his personal site, GoodCreditLiving.com.
Francine L. Huff is the Publisher and Editorial Director of Super Savvy Publishing, LLC, which provides editorial and publishing services. She is a gifted author, freelance journalist, and motivational speaker who has entertained and motivated a variety of audiences through workshops, panels and keynote addresses. Francine is the author of The 25-Day Money Makeover for Women, which has inspired and motivated many readers to rein in poor financial habits, become good stewards over their money and work toward a debt-free life. She has appeared on a variety of TV and radio shows. Francine previously worked for the Wall Street Journal, where she was the spot news bureau chief, a news editor and a copy editor. She has interviewed a variety of financial professionals about financial issues and strives to present information about managing money in an easy-to-understand format that is accessible to people of all backgrounds and income levels.
Karen Lawson is a freelance writer with more than 15 years of experience working in mortgage banking and loan servicing. She holds BA and MA degrees in English from the University of Nevada, Reno. She enjoys writing informative articles about debt management and personal finance.