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Debt Consolidation & Credit Counseling

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Debt Consolidation - Debt Consolidation and how it can help! Our Debt Consolidation program is a good solution to the high costs of credit card interest rates that are the root to so many peoples debt problems!

Debt Management - We try to provide consumers with as much online information, debt tips, budget ideas, credit card information, financial terms etc, to try and help consumers manage there debts as best as possible.

Credit Counseling - Debt Counseling is available online, by telephone, at our offices as well as in English or Spanish.

Debt Consolidation Loans - Consolidation Loans may be a good short term solution, but all consolidation loans come at a price.

Debt Negotiation / Debt Settlement - Debt negotiation and debt settlement is a process that helps you pay off all of your credit card bills at a reduced price in one lump sum.

Consolidation Questions - United Debt Consolidation can answer questions you might have about our consolidation program & credit counseling services.



Budget Planning

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Financial Planning Basics - Where to begin?

Budgetary Steps - List of all of your monthly income.

Budgeting Advantages - A major advantage of living on a budget is that it relieves a great deal of financially related stress.

Six Benefits of Budgeting - With all of the advantages that are associated with living on a personal budget it is no wonder that many people are beginning to implement this system into their own lives.

5 Pitfalls That Could Destroy Your Budget - It is important to realize that there are potential pitfalls that may be encountered along the way.

What Is Cash Flow? - Matching up your income with your expenses.

Manage Your Debt with Self Control - Temptations, How do you practice self-control?

Practical Money Saving Tips - The challenge of living on a budget

Know Your Net Worth - Fixed and Flexible Expenses

Debt Management, Plan For Savings - Developing A Plan For Saving Money

Spending Guidelines - Plan For Savings By Making a Written Plan.

Developing a Spending Plan - Developing a Spending Plan to help manage you debt.


Collections

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Fair Credit Reporting Act - Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. Based on your credit payment history, businesses can choose to grant or deny you credit provided you receive fair and equal treatment.

Equal Credit Opportunity Act - Prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance.

Fair Debt Collections Practices - If you find out that collection agencies and creditors are talking about your debts issues with employers, friends or even your parents you can refer to the Fair Debt Collections Practices Act.


What is Bankruptcy? / Declaring & Filing Bankruptcy / Bankruptcy Laws

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What is Bankruptcy? - Declaring Bankruptcy are laws that provide for the development of a plan that allows a debtor, who is unable to pay his creditors, to resolve his debts through the division of his assets among his creditors.

Certain bankruptcy proceedings allow a debtor to stay in business and use revenue generated to resolve his or her debts. An additional purpose of bankruptcy law is to allow certain debtors to free themselves (to be discharged) of the financial obligations they have accumulated, after their assets are distributed, even if their debts have not been paid in full.

Chapter 7 Bankruptcy - Chapter 7 bankruptcy is a process provided for under United States federal law by which you are entitled to a fresh start.

Chapter 11 Bankruptcy - Chapter 11 is unique in that the Debtor remains in possession of all his assets and his ongoing business.

Chapter 13 Bankruptcy - File Chapter 13 if you trying to save your home from a foreclosure or the "repo" man from repossessing your car, chapter 13 repayment plan may be the answer.

Questions for Filing Bankruptcy, Laws - Here a some common questions to Bankruptcy.


Financial terms and definitions you should know

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Here are some help terms to know if you are doing anything from opening a bank account, purchasing a credit card or even buying a home.

Financial Terms A - B

Financial Terms C - D

Financial Terms E - N

Financial Terms O - V


News, Articles, Learning From Others Debt Experiences, Educational Resources

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We've collected articles and information for Consumers interested in debt consolidation & Management, budgets, credit card debt problems, bankruptcy and some just interesting facts and experiences.

Credit Counseling Clients report lower levels of stress - Clients of credit counseling demonstrated improved levels of personal financial and work outcomes a year after participating in counseling.

Just Charge It! Examining the issue of credit cards and personal responsibility. - A report on the contentious issue of credit cards and personal responsibility. Who is to blame for Americans' soaring credit card debt -- the credit card industry or the individual consumer?

Credit Cards Yuppie Food Stamps - "This generation has been socialized [to feel] that it's an entitlement to have these kinds of lifestyles.

Know What You Can Afford - While credit card mailings can be tempting -- alternately offering teaser rates, rebates and rewards -- it's ultimately up to consumers to evaluate whether they are in the position to accept them.

The "Willingness-to-Pay" Factor - The credit card also has become less of a discretionary purchasing tool and more of a financial management tool.

Irrational Financial Decisions & Behavior - Consumer Credit Counseling and the lack of sophistication that we have as a society to deal with what we call consumer credit.

When the Red Flag Should Go Up - The warning signs when credit goes from being a convenience to a problem.

Reforming The Credit Card Industry Standards and Abuse - Banks are over lending and the majority of consumers are guilty of living beyond their means, how can the situation improve?

As rates rise, so do the stakes in home equity borrowing - The Federal Reserve has given homeowners a crucial factor to consider when they choose between home equity loans and equity lines of credit: rising rates.


Additional Debt Resources

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Listed here are numerous web sites and Articles that may be beneficial to consumers in a variety of ways. Financing, Employment Opportunities, Mortgage Refinancing, Financial Aid, Credit & Education Resources


Credit Reports & Credit Score

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Find Out What Your Credit Score Is

Free Credit Reports

How to Dispute Credit Report Errors