A Leading Cause of Bankruptcy: Missing Early Warning Signs
The Association of Consumer Credit Counseling Agencies (AICCCA) released some information concerning the recent increase in non business bankruptcy filings.
The press release discusses the fact that filings have increase by more than double since 2006 to 2009 and that the numbers of consumers seeking assistance from Credit Counseling services have dropped from 20-25 percent down to only 7 to 8 percent. Continue reading “A Leading Cause of Bankruptcy: Missing Early Warning Signs” »
Credit Report and Your Rights
Have You Pulled Your Credit Report Lately?
Information found on credit reports and that three-digit number called a credit score havebecome such integral decision-factors in our lives. Do you feel as though you are now judged upon your credit report and credit score more than ever?
We have the opportunity—and the right—to see our credit reports and ensure that they are accurate, which is especially important before you apply for a loan. Here are some steps to taking advantage of the FACT Act to monitor your own credit: Continue reading “Credit Report and Your Rights” »
Free Financial Forums Scheduled at Tulsa Library
Here is an announcement I wanted to share with our Tulsa clients and community members. This is a repost of an article posted by the Tulsa Business Staff highlighting the free forums available. I encourage anyone in the area in need of financial advice and knowledge to participate, especially in these trying economic times. Continue reading “Free Financial Forums Scheduled at Tulsa Library” »
New Debt Consolidation Guide on Site…
I wanted to let our readers know that we have added a Debt Consolidation Guide to our website. You can view the guide online and print it off to keep.
We created the guide to help clear up some misconceptions of what Debt Consolidation is and what it isn’t. Continue reading “New Debt Consolidation Guide on Site…” »
Debt Consolidation Services Explained
Debt Consolidation Definition
Wikepedia Definition: Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed rate or for the convenience of servicing only one loan. Continue reading “Debt Consolidation Services Explained” »
Debt Consolidation, Bankruptcy or Debt Settlement?
Consumer debt…how would I love to pay the off! Let me count the ways…
We live in a culture where the burden of consumer debt has not only become acceptable but even expected. Since the average household in America carries nearly $9,000 of credit card debt, a large percentage of American households are looking for the best way to pay off their debt. Here are descriptions of three, including the service that Debt Reduction Services Inc. provides (Debt Consolidation): Continue reading “Debt Consolidation, Bankruptcy or Debt Settlement?” »
Do It Yourself Bankruptcy – Some Things To Know First
Bankruptcy, although necessary for many individuals, should be utilized as a last resort once all other options have been reviewed first. One of the first things that a person can do is review their own spending patterns or habits before seeking help. If acted upon before the problem reaches the point of no return it is conceivable that there may be no need for outside intervention. Continue reading “Do It Yourself Bankruptcy – Some Things To Know First” »
Filing Bankruptcy – Credit After Bankruptcy
So I’ve filed for bankruptcy, now what?
I’ve heard from several people who have filed for bankruptcy protection that once they have successfully filed the last thing they want to do is deal with their finances. I recommend that a person places their finances near the top of their priority list once a bankruptcy has been filed. Continue reading “Filing Bankruptcy – Credit After Bankruptcy” »
Choosing a Credit Counselor (part two)
Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national credit counseling organization there are some very important factors to calculate before choosing the right credit counseling option for you. Here is a list of questions for you to ask a credit counseling company before determining whether or not you should participate with their organization. Continue reading “Choosing a Credit Counselor (part two)” »
Choosing a Credit Counselor
Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national credit counseling organization there are some very important factors to calculate before choosing the right credit counseling option for you. Continue reading “Choosing a Credit Counselor” »