Debt Relief Information

The Credit Card Debt Termination Scam


"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are paying $1,000s for this bogus service.

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.

The New Bankruptcy Law -- How Will It Affect Debt Negotiation?


In April 2005, Congress made sweeping changes in U.S.

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 debts through these techniques.

Debt Free Living - 5 Tips To Get Out Of Debt


A few times I wonder what sort of credit system moved the global economy 200 years ago. If the intention of getting into a business is meant to 'help' fulfill the needs and wants of someone, I don't see how credit card salesmen can drove more people into debt and backruptcy.

Individual Voluntary Arrangements- A New Alternative to Bankruptcy


This May, the Department of Trade and Industry in the UK found that there were 10,091 bankruptcies in the first quarter of 2005. This represents an increase of 24.

Life on a Debt Management Program


Signing up for a debt management program is easy; it's a matter of finding a company you feel comfortable with that is difficult. There should be no pressure added from the company you speak with, joining a DMP is your decision and you should feel like you are in a partnership with the company, meaning you both have control over your financial situation.

Bankruptcy 101


Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.

Bankruptcy - Bankruptcy Myths


Bankruptcy has long been a big question mark in the eyes of the consumer. After all they don't teach us about bankruptcy in school.

Bankruptcy - Is It The Right Choice For You?


Bankruptcy is one of the tougher choices we as adults face in today's society where it is the norm to be in debt, albeit some more so than others. Credit card offers materialize whether you are looking for credit or not.

How to Protect Yourself: Debt Collections


So you are getting collection calls? You're desk is full of unpaid bills. You dread answering the phone.

Debt Help and Advice for the UK


At some time or another during our lives most of us will overspend and get into debt. Sometimes we can get our finances back on an even keel by cutting down on a few luxuries.

IVA: Individual Voluntary Arrangement


What Is an IVAThe IVA (Individual Voluntary Arrangement) was introduced by The Insolvency Act of 1986 as an alternative to bankruptcy which benefits both the debtor and the creditor. An IVA enables people facing financial difficulties to come to a formal agreement with their creditors rather than having to face bankruptcy.

IVA Advice


An IVA (individual voluntary arrangement) is an alternative to bankruptcy introduced by the government as part of the Insolvency Act 1986. This article provides an overview of IVAs and suggests what readers should watch out for when looking for IVA advice.

Debt Management - Is It the Right Choice For You?


Debt Management plans offer credit counseling clients a different and new approach to tackle their finances. Finding out if a debt management plan is right for you can take some time.

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