How to Eliminate Credit Card Debt Legally So That You Can Free Yourself From the Crushing Pressure

Are you swimming in credit card debt? Are you literally maxed out and cannot make the minimum payments? If so, you are not alone. It’s become nearly commonplace for people to be carrying more credit card debt than they can possibly pay off. The situation has so become so widespread, many say it’s a pandemic. Living above one’s means and bridging the gap with credit cards is a practice that’s run rampant through our country. As a nation, we have accrued an astonishing mass of debt. In just last few years, it’s exploded to quantities never before seen in our history. Once people find themselves with all their credit cards maxed and facing minimum payments they cannot meet each month, they begin to panic. If they’re smart, they begin to investigate how to eliminate credit card debt legally.

There’s one thing you need to know about credit card debt. It is what we refer to as ‘unsecured debt.’ What does that mean? Unsecured debt is debt which is incurred without any physical objects put up against the debt. In other words, no collateral was required to secure the loan. If the payments are not made, the bank cannot repossess an item in order to recoup their funds. No one will appear at your front doorstep in order to take possession of anything you own. If you were to be taken to court over the debt, it would be to civil court. The point of all of this is that if you were to choose not to repay your debt, that behavior is not considered illegal.

This is not to say that there wouldn’t be consequences. If you do not make payments on your debt, then your credit rating will undoubtedly suffer tremendously. It’s likely that you will never again be given a loan for anything else. Think about that. If you ever needed to buy a car or a home, if you wanted a store credit account, you would be denied. You do have a contractual agreement with the credit card company and by choosing not to pay them, you would be in breach of contract, which isn’t looked upon favorably in the financial world. If you were to decide to simply stop making payments on these accounts, you would eventually find yourself unable to even be approved for layaway. Your credit identity would be known as a parasite. Doesn’t sound like a good option, does it?

So rather than simply avoiding paying your bills, the smarter move is to exercise your right to utilize various programs created by the credit card companies themselves. These programs aim to allow consumers to pay off their balances. There are specialized organizations whose mission is to assist consumers with their credit card debt management. These companies exist to enable people to climb out of debt. Many people need these companies because they feel badgered by their creditors. They do not feel they can bargain with the credit card companies because they feel so overwhelmed, ashamed and intimidated. There’s a great reason many people feel this way. Ever talked to a collection agent? It’s pretty well known that they have the personality of Attila the Hun with a migraine. These people have a singular focus. They care about one thing, and one thing only. What is that? To force you to write a check to them, no matter what else you may have to forgo in order to do so. They’re well trained in how to bully, browbeat, menace and torment.

Third party organizations can truly help you out in this situation. They are more than happy to withstand the verbal abuse these collectors want to dish out and still stand their ground. After all, they aren’t emotionally involved like you are. They are not the ones who have no money and no idea where the next bit of cash will come from. So they can be calmer, more logical, and stand toe-to-toe with those collection agents. The process works like this: you write up a list of your creditors. You detail how much you owe and what your minimum payments usually are. They will take it from there. Ready for the very best part of this offer? You don’t have to pay them any money upfront. “Let me get this straight,” you say, “I don’t have to take any more abusive phone calls. And I also don’t pay any money to this company?” Are you scratching your head in confusion, wondering what the catch is? No, you’re not confused. That’s precisely how this works. You stop having to field calls from collectors and you don’t have to write a check to the third party company either. And get this: in 99% of the cases, your monthly payments drop considerably. In fact, after using these companies, people report that they have some financial breathing room again for the first time in years.

As great as these companies are, lots of people have never even heard about them. A lot of people are suffering the indignity of endless phone calls and harassing collections agents when they could be using this entirely legal avenue to resolve credit card debt. Imagine it: eliminate credit card debt legally. I guess it’s not that shocking that few people are aware of this option since the credit card companies certainly want to keep consumers in the dark when it comes to this solution. This option is gaining popularity across the country. More and more folks each day call up one of these companies and breathe a sigh of relief as they watch their credit card debt shrink before their eyes.

There are other means to eliminate credit card debt legally. However, the options available have a lot of problems associated with them. Read on to learn about two of these options.

1. A consolidation loan – Consolidation loans can be a good solution for those consumers whose credit score is high enough to qualify. Other consumers can qualify by using collateral. Sounds great, right? Yeah, except the part where you realize that if you had credit that good, you wouldn’t be struggling to pay your bills, would you? And if you actually owned something that would constitute a collateral, then you might have already sold it to rectify your debts. If you do still own something of enough value to secure a loan of this size, it’s not really financially savvy to put it on the line to get more debt. Once you begin thinking about it, it seems pretty silly. Doesn’t it? It’s not really a viable option.

2. Borrow money from your family members or your friends – Here is where things get uncomfortable and hairy. If you’re already struggling to pay your existing debt, how is taking on more debt going to solve your problem? If you do convince a loved one to extend even more money to you, you’ve now put yourself in a very awkward situation. Ever heard the adage: Don’t loan money to family or friends? Well, there’s a reason for that. These situations rarely turn out well. In fact, these type of situations are exactly the fodder that day time talk shows are made of. If you’d like to see yourself on Judge Mathis or Jerry Springer, then go ahead and hit someone you’re related to up for some cash.

Once you’ve dug a deep financial hole for yourself, there is really only one viable option to alleviate your discomfort. When you can’t pay your credit card bills, you can only make one move. You have to call a third party negotiator to talk to your creditors. They can convince them to either lower your monthly payments or even reduce your entire debt amount. It’s that or take on even more debt and burn bridges among your family and friends. Gosh, when you put it that way, the choice starts to get really clear, doesn’t it?

The important thing to remember is that time is not on your side. If you’re already behind on your payments, then your account has been flagged. Once it is officially sent to “legal,” your options grow very slim, very quickly. If they’ve put your account with their legal department, then there will be no negotiation. It won’t matter if you call or your third party negotiator calls. No one will be able to move the creditor at that point. If they’ve referred the account to their legal department, then they are planning to circumvent you and get their payment directly from your paycheck. They may even be planning to put a lien against something you own. If you truly want to get out from underneath this crushing debt, you must take action now.

Top 3 Tips for Serving Dishes

Many people always hold parties using serving dishes. Others go about it the wrong way, get bogged down, and fail with the right type. One secret to successful completion is to get a detailed knowledge about them, and this will take you on the right road. Failing to doing this right may have disastrous consequences. You can actually find yourself embarrassing condition, or perhaps broke the good mood of party.

Listed below are a trio of tips to protect against that sort of failure, and succeed.

1st, choose the proper design pattern. You need to go to the marketplace to have a look at the design patterns, because that will assist you to avoid choosing the wrong kind. So please do not make the error of disregarding this important point.

Second, it is the function and the occasion you are going to consider. Nearly as essential as the design pattern whenever dealing with serving dishes is to use the right type in right occasion such as formal or casual. I am here to tell you, you won’t want to overlook this.

Finally, purchase these serving dishes carefully on the Internet. When you’re buying these dishes online, be sure that is a legal company. This would assist with saving your money such as shipping fees, and that is important to buy the normal quality. Failing that you may be cheated by some frauds. And I believe we could agree this would not be good…

As stated above, if you want to achieve success at holding a party with these dishes, you need to stay away from the forms of errors that might cause you to wind up the embarrassing condition, and even broke the good mood of party. What you want is to buy the tight serving dishes, and you may reach this by following the tips above.

Legal Ways to Remove a Judgment From Credit Report

A credit report with a judgment is just like a sweet dish with a bitter gourd. In the current era, majority of people are not self-reliant and they need finances to live a live which can fulfill their family needs. A person’s goodwill in terms of finance is judged by his credit score that actually means that how much a lender can rely on him for the reimbursement of money paid. Credit score acts as an evaluator that helps financial institutions to set on limit on a credit in order to make certain that the person is going to pay back the money in the near future.

Despite of earnest efforts, people sometimes fail to pay back the debt and therefore they are reported to credit bureaus. This results in credit report judgment that means that no one will be helping you manage your finances anymore. People have no right to blame a person who is itself caught into it – no one really wants to get involved in all this mess. Also future is uncertain and anything can happen with anyone.

There are certain legal ways to remove a judgment from a credit score report. First of all, you need to do some research and homework before actually getting started. This will require you to find a reliable and reputable law firm to take your case and help you removing a judgment off your credit report. Almost every law firm specializing in credit repair have set patterns which they follow to help clients in order to remove a judgment from credit report. Do not forget to sign an agreement in the beginning that will aid you a lot while stepping forward with your credit repair case.

With the purpose of removing a judgment from your credit score report, you need to check the “the Statute of Limitations on a Judgment” laws in your state. You can get these details from the law firm or just visit state website where all legal details pertaining to different cases are usually available. All you need is to check if the debt on your credit report has exceeded the number of days mentioned in your state law books for SOL. Your second step should be to write a letter to all three credit bureaus (Experian, Transition & Equifax) requesting them to delete a judgment from the credit report since it is lawfully applicable but is not against the Statute of Limitations as per the law.

How Is the LEGAL SYSTEM Dishing Out JUSTICE in Your Town?

Thankfully, most of us will never find out. That is a GOOD thing! However, if YOU are a small business owner it’s something worth knowing before one day you get kicked in the back-side.

I’ve advocated for many years – ALWAYS invest in GOOD legal
counsel; a qualified Accountant [CPA]; and Insurance Agent. The
3 most important advisors to your business success.

A little research in our town opened my eyes BIG and WIDE to
how a small business owner can suddenly find himself/herself in
deep water without a paddle or pot to go.

Just a few of my recent discoveries —

Did you know…. town Sheriff can reach inside your bank account
and take ALL your money? Got a friend in town working for the
Sherriff’s Dept? Ask him/her, they’ll tell you how it happens and you may want to ask about their bonus, too.

It doesn’t make any difference WHO YOU OWE or if checks will
start bouncing – it’s part of our LEGAL justice system – allows the “hand-of-the-law” to take your stuff and leave you screwed.

Another disturbing happening – you can be sued or counter-sued
by someone and never know it until you get a “writ of execution”
from the Sheriff’s department… when they come to sell ALL your property – equipment – and maybe leave you bankrupt as well as good vendors you own money to.

In our town you basically have to hire an Attorney to represent
you in court…. simply a “no option” decision unless you know it’s fruitless when you’re guilty hands-down… probably your town too.

What you may not know – your legal counsel is NOT required to
have malpractice insurance protection when he/she screws up the
process on your behalf. Most have it…. the problem with small
business owners is they look for the CHEAPEST not the BEST.

Courts DO NOT send notices by Registered mail either which means
they have NO proof of delivery, but WHO cares? YOU will. Only
your legal counsel supposedly gets the notices from the Courts and it’s his/her responsibility to advise you or it’s tough break for you when no one told you “courts in session” – and YOU’RE absent.

Have you ever heard of “treble” damages? It’s amazing how this
can kick you into oblivion without a trace. Just know that it does happen to the finest of small business owners.

Did you feel it? The smasher coming when you thought everything
was peachy-le-creme – maybe your best year ever? If YOU don’t
have your 3 Key Advisors yet, hire them soon. It may just
SAVE your CASH as well as your business future.