How Cash For Homes Services Work

Originally posted 2012-02-28 03:57:26. Republished by Blog Post Promoter

If you are on the search for a new house, but you cannot sell your current home, it’s a general cause for frustration. There are plenty of people who are trying to move and are having difficulty attracting buyers to their home for sale. In consideration of this, you might want to consider using some of the many cash for homes services available.

These services are actually not all that uncommon. You may have seen some of the sell home for cash advertisements on billboards or in local listings. These are ideal for people who just cannot seem to sell their house at all on their own or with the help of an agent.

If you are not familiar with these types of services, you are probably wondering how they work. Generally, you are selling your home to an individual who is very experienced with real estate or is willing to put extra work into making your home more sellable on the market. They will give you the amount that the house is worth in cash.

There is a lot of benefit in the agreement for the individual that is buying the house from you. They buy your property for a lower price and then begin to invest in it. When the house has become more profitable, they can sell it for a higher price than what you were paid. In general, you will be able to finally sell your house while the service is going to gain profits from reselling the house in the future.

Some people claim that this is not fair because the service is going to make more profits off of selling your house than you initially will. Yet, it is important to take some consideration what the general situation is of those who are using these services. Generally those who are using the services have houses that may not be able to be sold to the public. In these situations, the seller will take any amount of money for the house as long as it can be sold.

If your house is in decent condition when you sell it, you will be more likely to get a better price from the service. Many of these services are used for selling houses that are in the worst condition possible. Houses that will need repairs, more work, and additional changes before they will be profitable are usually sold with these methods. Individuals who have homes that are in actual sellable condition will have an improve d chance of making more money off of the sale.

Likewise, it is a good alternative to having to use a real estate agent. Sometimes the work of an agent can only go so far in helping you to sell your home. If you have not had any success while working with them, you may need to consider using other services.

In general, the use of cash for home services is a decent way to sell your home if you have not been able to handle it yourself. If this is the only method that you can use to sell your home, it is more than reasonable. If you are interested, you should contact a local service to help you learn more about how to sell your home and what you can expect to experience during the process.

Different Debt Repair Service for Borrowers

Originally posted 2010-02-09 08:56:38. Republished by Blog Post Promoter

Copyright (c) 2009 Suzy Vanstrusen

If you are experiencing difficulty in keeping up with your debt repayment, it’s time to take control over the situation and consider acquiring the appropriate debt help service. In this article, let’s discuss each type of debt relief service to help you see which one will work best.

Credit Counseling. Sometimes, all you need is a credit counselor who can guide you in managing your finances. A credit counselor can help you set up a budget plan so you can utilize your earnings more efficiently. Apart from creating a debt repayment plan, you can be properly guided on how you can cut back from your expenses and stay out of bad debt.

Debt consolidation. For borrowers who are faced with multiple debts, there is an option for debt consolidation. There are two ways to consolidate debts. One is by acquiring a debt consolidation loan and another is by enrolling in a debt consolidation program.

A debt consolidation program is where the borrower seek the assistance of a debt consolidation agency in distributing payments to different creditors. The agency will then be responsible for distributing the payments to your corresponding corresponding creditors, instead of you submitting to your creditors on your own.

Another way to consolidate is by taking out a loan from a debt consolidation lender. The amount you borrow will be used to pay off all your debts at once. This way, your debt will immediately stop from accumulating due to the additional interest rates and late penalty charges.

The loan consolidation is a secured loan so you will be required to submit collateral. When the loan has been approved, you will be subjected under your debt consolidation company’s repayment terms. The repayment period can range anywhere from 5 years to 10 years or longer, depending on the amount borrowed.

Debt Settlement. A debt settlement is where a debt consolidation agency or credit counseling agency negotiates with creditors on behalf of the borrower. The goal is to reduce the original amount of debt so the borrower can make payments right away.

Under a debt settlement, the amount of debts can be reduced by up to 60% or more. However, the creditor expects the borrower to pay in a lump sum payment. When an agreement has been reached, it is the debt settlement agency or debt consolidation agency that will provide the borrower with the loan.

Afterwards, the borrower must pay back the debt consolidation agency according to its repayment terms. It is very important to find a trusted lender to make sure that you will be getting genuine debt relief.

Credit Card Debt Consolidation. If you’re dealing with credit card debt, you can either take out a loan to pay off all your outstanding balances at once. Another option is to apply for a balance transfer credit card that offers zero interest rate for a certain time period.

Suzy Vanstrusen is a credit analyst and a writer of the website and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and tips on how to write a credit dispute letter effectively.

Article Source: ArticleSpan

Reduce Your Debt Payments

Originally posted 2010-04-10 11:28:04. Republished by Blog Post Promoter

Debt consolidation is something that you want to do in making less payments. It can help navigate many debts that you have.

We must always think of the economic circumstances of what we are doing at all times.

You should be cautious on how you purchase one of these loan consolidated products.

You can put side by side the APR (annual percentage rate) presented by shop against other accessible types of credit like credit cards or bank loans. Lots of credit cards are presently giving very reasonable rates for every new item bought; others are even offering no interest rate of interest which could significantly give great reserves and in effect decrease the amount of monthly dues.

But if you are currently in a circumstance wherein you are having concerns regarding how to pay your monthly dues or general expenditures then it is most imperative that you take necessary measures to solve the circumstance right away.

Spend time recapitulating total monthly expenditures and put most important in the number one spot. Try to get rid of the loans with high rates rather the loans with low one.

Call your credit company if you don’t have the full sum. they will work with you to try and help you.

If you still can not find the responsibilities to tackle your loans, the process of consolidation will help. Fundamentally consolidating your debts just means that you will just find a credit or loan provider who is prepared to lend you a certain amount that is adequate enough to pay all your debts and loans and just pay a certain amount in one month at a span of time agreed upon. With the new loan, you can arrange a low monthly payment.

For more information, please to to

Article Source: ArticleSpan

Originally posted 2010-02-21 06:52:08. Republished by Blog Post Promoter

Copyright (c) 2010 Kenneth Lee

Here are seven important debt reduction tips that you should know as below:

#1. Don’t let your debt problems drown you. You have to be creative and more serious to find debt reduction options that can help you getting out of debts.

#2. File for bankruptcy may not be your best option. You should take a serious look at either debt settlement or debt consolidation.

#3. Don’t feel embarrassed by having financial problems. You are not alone, million of the American people have similar experience like that, and the fact is it could happen to anybody. If you admit you are facing some difficulties, your family members and your co-workers would be willing to help you in different ways, either by making savings at home or by helping lower your unnecessary expenses.

#4. Be frugal. The only best way to save is by not spending more than you need, also avoid spending more than you could afford.

#5. Draw up a budget and stick to it. Don’t let money just disappear through your hands. Have a strict control on your spending. Don’t let anything tempted you. That is the key to control your financial situation and work toward your goal.

#6. Don’t be afraid to ask for some advice. Having more options could help you to clarify, organize your ideas, and find data reduction strategies to resolve your situation. The answer could be there; just clicking at the right place in the Internet could do wonders for you.

#7. Increase your income. You have to be creative in finding second job or the source of second income, the way the extra income helps you paying down your debts, and you can use the second job as your temporary solution. If you wish to earn full-time salary for your part-time task, take a look at internet income or home-based business opportunity, I know your internet income could help you become debt free and achieve debt free.

I know debt reduction tips will work! You can follow these tips to change the way you spend and adjust the way you live in order to improve your financial condition. But if you still experience negative cash flow or something like living paycheck to paycheck, see Debt Reduction Plan as below.

FREE Debt Reduction Plan: Debt negotiation is being used by thousands of people like you to honorably pay back an agreed-to, reduced amount to creditors. Debt negotiation is designed to provide you with a shorter term and greater debt reduction than consumer credit counseling plans or just making minimum payments. You can get a no-obligation FREE custom debt reduction plan from the best Debt Relief Agency so you can find out how debt negotiation can help you get out of debt faster!

Find out more about the Best Debt Relief Company – l . Kenny Lee, the author of this article, a webmaster of the interesting financial site www Achieve-Debt-Free com – – where your priority is to achieve debt free and control your financial destiny.

Article Source: ArticleSpan

Originally posted 2012-01-07 05:31:25. Republished by Blog Post Promoter

Sometimes you have everything all covered and mapped out, but you lack the funds to piece them together. Never mind, you can get a loan very easily. From a bank or from a loan company, you could get a loan that will carry through all of those uncomfortable moments when you could have lost it all. That?s what they are there for.

There are times when you need money urgently and you have to borrow. As a time like that you need to look first for a friend who might understand enough to loan you the money over time without interest. I will always do that before I even consider a bank. You should too.

Spending money and making the best of it are two very different things. Opportunities present themselves all the time, but the people who thrive are those who are able to identify them and exploit. That is how come there are rich folks, the middle class, and the poor. It is all about the way they handle opportunities like loans and borrowing.

People who take loans are not fools; they are merely folks who have decided to take steps and do things about the quality of their lives. You could join that list of people too, or you could just sit there and sulk. I got a loan for Christmas, and I?m right glad I did.

With the holiday season coming up, you must know that the big bucks are going to be pouring out of your pockets pretty soon. You know that your salary will never pay for it all, so you want to take a loan already. Don’t sit still and hesitate; make the plans and wait for the right moment to take the steps.

Do you really want to become debt free or need money fast for college then you have come to the correct spot for that information. Feel free to take a look at our blog for the most current information and facts on managing debt and asking for the money the correct way.

Originally posted 2010-02-26 18:31:20. Republished by Blog Post Promoter

With so many people in debt and feel that they can’t get out, one would think that they would search every angle and avenue to get help. The more debt a consumer has, the more their credit suffers. Some of them are scared to contact their creditors to negotiate payments. They are afraid that the creditors will turn against them. However, companies such as credit repair services are in business to help those that need assistance in credit repair.

There are some free credit repair services out there, but you have to find the right ones. There are some legitimate companies that specialize in credit repair. Some of the legitimate ones, whether free or paid will work with you to correct and clean up your credit. There are some that will go as far as helping you to set up a budget so that you will be able to rebuild your credit and increase your credit score. This is a great benefit that no consumer should want to pass up.

There are companies that have credit repair services that offer debt consolidation. They will work to get you a loan so that you can pay off your creditors. If you have a lot of credit card or charge card debt and robbing Peter to pay Paul, debt consolidation may be a form of credit repair that can work for your situation. After your debts have been consolidated into one, you will start making one payment instead of having scattered payments. It can be difficult to keep up with the individual payments for your debts.

Another way to work toward debt freedom is to have an installment loan. The company that specializes in credit repair services will work with you to see if a secured or unsecured loan would work best for you. With a secured loan, collateral is involved. This could be your vehicle or your place of residence. An unsecured loan doesn’t require collateral but you will have a high interest rate. With your credit repair program, having this type of loan will help you to rebuild your credit history.

Companies that offer credit repair services can also help to remove negative information from your credit report. They will dispute items that are on your credit report that should not be on there. These items may not be correct, inaccurate or outdated. The creditor is responsible for responding to the dispute. If they do not respond in a timely fashion, then the item is supposed to be removed from your credit report. This part of the credit repair process will help you to increase your scores quickly.

The company that you are receiving credit repair services from will also contact your creditors by phone and mail in order to make negotiations in regard to your credit report. This is also a part of your credit repair program. Doing this yourself can be a headache and not get you very far, so hence the reason the credit repair company steps in to intervene.

Credit repair services is a good way for consumers to get back on the right track Having someone that is trained in credit repair can help you to get the credit score that you need. Having good credit is so important that it’s a good idea to have someone help you to get it back up to speed.

This article was brought to you by Joseph FeRoss and the credit repair team and MSI credit. For more information on credit repair services please visit

Article Source: ArticleSpan

Originally posted 2010-03-17 01:32:56. Republished by Blog Post Promoter

Although there’s not much you can do about last year’s holiday debt, other than pay it off as quickly as possible, there are three *powerful* strategies you can use to avoid holiday debt this year.

Here they are:

Powerful Strategy #1 – Start your holiday shopping NOW!

And pay *cash* for what you buy. :-)

Now, I’m not real big on "shopping" (I far prefer to make a list, go to, order what’s on it, and be done with it), however I have a friend who is.

She essentially begins her holiday shopping for the following year the day after Christmas of the current year, taking advantage of the often massive markdowns retailers offer, often 50% – 75% or more, to begin her holiday shopping early.

Then, throughout the ensuing months, she continues her holiday shopping, picking up gifts here and there, taking full advantage of sales and markdowns as she runs into them, and paying *cash* for what she buys as she goes along.

Come late October or early November, just when most folks begin thinking about starting their holiday shopping, she’s done with hers and, this is the important part, doesn’t owe anyone a dime for the experience.

Wise strategy! :-)

Powerful Strategy #2 – Take advantage of "Layaway".

Layaway, also known as lay-by in some countries, is a service some stores offer that allows you to purchase an item without having to pay the entire cost of it all at once.

Essentially, when you put an item on layaway or lay-by, you make a down payment on it and the store physically holds the item for you until you either pay it off in full, according to some predetermined payment schedule, at which time you physically receive the item, or a certain period of time has elapsed, in which case, if you haven’t paid for the item in full, it’s returned to stock and you receive a refund of any payments you made on it.

Although there’s sometimes a small fee for this service, it’s usually *far* less than the interest you’d pay if you’d charged the same item on a credit card and paid it off "over time".

Wanting to promote their own credit cards, and thus make more money, some stores stopped offering layaway or lay-by in recent years. However, due to the apparent current state of the world economy, many of them have begun offering it again, some heavily promoting it as an alternative to credit.

As it makes far more financial sense than buying on credit, layaway or lay-by is well worth taking advantage of when you want to purchase an item, but don’t have the money to pay for it in full right now.

Powerful Strategy #3 – Start your own "Christmas Club".

A concept born of the "Great Depression" and popular for many years thereafter, "Christmas Clubs" were special savings accounts, offered by banks, into which customers deposited a set amount of money each week and then received the money back at the end of the year for Christmas shopping.

Although there may still be some, I don’t personally know of any banks that offer this service anymore.


It’s easy enough to start your own "Christmas Club" or "Holiday Club".

Here’s how:

1. Open a special "free" no minimum balance required savings account at a bank or simply stick an empty envelope in a drawer.

2. Determine how much money you want to have available for holiday shopping this year.

3. Divide that amount by the number of weeks remaining between now and when you want to start your holiday shopping.

4. Deposit that amount of money in your special "Christmas Club" or "Holiday Club" savings account or envelope each week (or twice that amount bi-weekly if that’s how you’re paid).

5. On the date you’d decided to start your holiday shopping, withdraw the money from your account or envelope and go shopping.

It’s that simple. :-)


There you have them…

Three powerful strategies you can use to avoid holiday debt.

Use them individually or in combination with one another and you’ll insure yourself a debt-free and, I might add, stress-free holiday season this year.

Tony Mase is a serious student of the works of Wallace D. Wattles and the publisher of “The Science of Abundant Life” ebook by Wallace D. Wattles…

Article Source: ArticleSpan

Originally posted 2010-03-27 13:53:17. Republished by Blog Post Promoter

With the recession deepening, many consumers are worried that their financial burdens will force them into bankruptcy. The good news is that there are a number of ways to stop paying credit cards using debt settlement systems instead of filing bankruptcy.

These debt settlement systems have been used by people just like you for years to reduce their debt and eliminate their bills. In fact, by using these programs, you can take advantage of the laws allowing consumers a fresh financial start instead of filing bankruptcy. You only need to know where to begin. This article will show you how it’s done.

Step 1: Calculate Your Total Debt

Getting started with these programs is easy. First, you need to gather all of your account statements to get an accurate picture of your financial obligations. Separate all of your debts into two categories: 1.) Secured Debt and 2.) Unsecured Debt.

Secured Debt is any account in your name that has a tangible asset backing it up. Some examples of secured debt are mortgages, auto loans, and recreation vehicle loans. These types of obligations, are much more difficult to settle than unsecured debts.

Unsecured debts are what most people have easy access to and find themselves overburdened with. Debt settlement systems are ideal for eliminating these types of obligations. Examples of unsecured debt include credit cards, personal loans, medical bills, gas cards and retail cards.

Once you have your bills separated into these two categories, total up your unsecured debt. If the balance of these accounts totals more than $10,000 you may qualify for a program that allows you to stop paying credit cards instead of filing bankruptcy.

Step 2: Determine Your Best Financial Choice

Once you’ve totaled your liabilities, you need to determine the cost of your alternatives for eliminating them.

Hiring a bankruptcy attorney can cost upwards of $3,000 plus court costs and filing fees depending on your situation. In some cases, this is the best option. However, debt settlement systems can cost anywhere from $50 for a do-it-yourself system to over $1,000 for a company to do the work for you.

All of these systems use laws that support consumers and allow you to stop paying credit cards instead of filing bankruptcy. The only difference in the systems is who does the majority of the work required.

Using a do-it-yourself program can save you hundreds of dollars, but can take hours and hours of your time. If you’re a detail oriented individual and can stay focused and determined, these systems can be ideal for you. These programs have step by step instructions written by attorneys and provide the forms and letters you’ll need to use.

On the other hand, if you have substantial debt spread across a number of creditors, a debt settlement company may be your best option. These companies have trained professionals and attorneys that will handle all of the work for you and can successfully erase all of your debt.

Step 3: Take Action!

Regardless of the program you choose, the important thing is that you TAKE ACTION. All of the debt settlement companies offer a free analysis of your finances. Take advantage of it. Even if you choose a do-it-yourself program, I highly recommend that you talk with a debt settlement company. At the very least, you may get some great free advice.

You can end the nightmare of being in debt! You only have to take advantage of the legal ways to stop paying credit cards instead of filing bankruptcy.

Brian Anthony is dedicated to helping you settle your credit card debt and take advantage of the many debt settlement systems available. Click here to read our reviews of the best Do-It-Yourself systems and Debt Settlement companies that can help you stop paying credit cards instead of filing bankruptcy!

Article Source: ArticleSpan

Credit Card Debt Relief Made Simple

Originally posted 2012-02-25 23:48:46. Republished by Blog Post Promoter

If you have difficulties on paying all your credit card bills, it is greatest that you keep just one (or two) card in order that you can pay it off easily. If you fail to adhere to one or any of these cards, they might up your rate of interest or lower your credit limit and credit score as a punishment for not paying in time. However, they’ll still, and most probably, not cancel your credit card. That way you’ll have a card to use when required for leasing a car, etc. and a start to improving your credit.

The original debt collectors aren’t to be considered as debt collectors as mentioned in the Fair Debt Collection Practices Act. Their collection activities aren’t governed by the FDCPA. Usually the credit card debt that is to be charged off after six months of missed payment is managed by the debt collector who’s covered by the FDCPA.

Answer to every initial communication from a spam debt purchaser, collection agency or collection attorney with a deny/dispute/debt validation letter sent CRRR.

In July 2010, The Federal Trade Commission has applied new rules involving upfront fees, prohibiting companies to collect these upfront fees in exchange for clearing the credit card debt.

Payment Plan Settlements can be dangerous and risky.

The majority of the credit card debt relief scams have one thing in common. These people demand an upfront before begin working. Do not ever part with your money until you’re sure of the results.

One of the best ways to settle your credit card debt is with the help of an attorney. You may always have an attorney on your side and have an option of bankruptcy and there’re chances that the creditor may not be paid anything. With regards to paying fees, it is far better to pay small fee to the attorney instead of paying 15 percent of the total debt amount to any debt settlement firm.

Everybody is entitled to the right of having a nearby trial in a legal court district where he lives. That signifies that to actually pursue a court case against you, a credit card provider should find a local collection attorney to open a case against you in your court district and to send you a summons.

“I’m not in receipt of any documents which verify I owe your client’s money, ”When sending a debt collection attorney a debt validation letter, this kind of language puts them on notice that they’ll need to correctly document the alleged debt if they’re to be successful in the court (credit card debt relief act). Normally they do not provide an signed agreement, accounting of charges, interest against the supposed balance or any kind of proof of the ownership of debt by the client.

When a client debtor sends a debt validation letter to a debt collector within 30 days of receipt of a mini Miranda notice, she or he may instruct the debt collector to cease all collection activity such as phone calls. If the debt collector phones the creditor within these times, the debt collector will be fined $1000 as it is a violation of the Fair Debt Collection Practices Act .

Just because the plaintiff’s collection attorney says something on paper or on the phone doesn’t make it true or even legal. The FDCPA considered collection attorney as debt collectors. Some of them may lie in oral communication but they don’t do so with written information. Ensure that you don’t convinced by their threats to take law suit.

Originally posted 2010-02-26 18:31:20. Republished by Blog Post Promoter

It can be terrifying to experience your company running out of cash, with revenues down and creditors foaming at the mouth. But what do you do about it? If you’re like a lot of business people in this situation, you won’t be able to take it. You’ll give up, often with the blessing of your trusted attorney and accountant. Only a small fraction of new business start-ups last for five years. Those that disappear take dreams, savings, jobs and creditors’ money with them.

Your competitors are hoping that you don’t know how to effectively market your products and services. Chances are, you can take a few simple and inexpensive measures to significantly increase revenues. Your firm could likely benefit from effective help in this area. But to get to that point you will need to come up with a debt management strategy to limit the damage done and to bring your payment commitments into line.
This strategy involves cutting deals with creditors now and in the months to come, so that you meet the twin goals of immediately minimizing cash outflow while reducing total business liabilities over time.

This means you have to:

- Categorize your company’s payables into three groups and deal with these creditors accordingly:

o "A" group – Keep current, to permit you to stay in business
o "B" group – Either keep current or delay payment, according to your budget
o "C" group – Delay payment, to resolve later

- Keep close to your banker, especially in today’s economic environment, where many are operating on hair triggers. Loan officers can be your greatest allies if dealt with properly. You might be able to reduce monthly payments, depending on the type of loan and your specific situation. Do everything you can to articulate your goals, intentions and requirements in writing.

- Work out a deal with your landlord. Rent is likely to be amongst your highest monthly costs and anything you can do to reduce this outflow will go a long way to help. You might want to:
o negotiate rent relief, to give you a rent-free period, or
o negotiate rent abatement, to make a lower monthly payment than called for in your lease, or
o get out of the lease and move to cheaper quarters.

- Build bullet-proof armor around your company and its officers, to the extent possible in your particular situation. This can protect against any unsecured creditor who may want to file suit in the intent of getting a judgment, before you have the time and ability to work out a business debt relief settlement with them.

A debt management strategy can effectively stem the bleeding – now and into the future. The challenge for you is to design and execute the plan while doing what it takes to increase revenues. If your business is already in crisis, this is likely too much to expect. It’s far better to give the business debt relief assignment to an experienced specialist who is motivated to produce the results you need. You and your team will then gain the peace of mind and the confidence needed to start rebuilding your business.

Author of “The Battle Scarred Guide to Small Business Debt Relief and Recovery.” Once the company is established, with debt under control, we focus on increasing bottom-line revenues through effective direct response marketing. For More Info: For More Info:

Article Source: ArticleSpan

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