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Avoid Bad Debt Consolidation in Virginia and Elsewhere

Whether you are in Virginia or anywhere else in the country, odds are that you will be subject to advertising which promises to liberate you from credit woes through debt consolidation. One of the most dangerous tactics to be marketed as a way to resolve credit issues, debt consolidation is also linked to innumerable scams on the Internet, and those who decide to use it should be watchful. Nonetheless, if you decide that debt consolidation is the right choice for you, there are a number of steps that you can take to protect your finances and find a trustworthy service that will give you the benefits you need. Continue reading

Accessing Free Cell Phones for Battered Women

Domestic abuse is a horrific phenomenon that has long plagued society and continues to be endured by millions of women across America. Mercifully, there are support structures that have been established in recent years to provide help to those who are verbally and physically maltreated. Continue reading

How to Repair My Credit

How to repair my credit? It is a query that troubles the minds of millions who are dealing with the devastating consequences of debt. It is also a phrase that is searched on the Internet with increasing frequency, triggering nearly 10 million hits on Google alone. Nonetheless, the apparent wealth of information about credit repair conceals a large number of people whose advice may either confuse or capitalize upon those seeking to rebuild their lives. Continue reading

Seeking Forgiveness for Credit Card Debt

When tormented by the burdens of excessive debt, many of us may despair that we will never be able to repay our creditors in full. Shuddering at the prospect of never being able to clear our names, we look for a way to compromise, perhaps through partial repayment or debt forgiveness. Yet what such concepts truly involve is often misunderstood and it is important to know the circumstances under which debt is “forgiven”, what that process entails and the consequences for your financial standing. Continue reading

Steer Clear of Prepaid Legal Services Scams

We live in a society where regardless of background of behavior, all of us are likely to find ourselves confronted with the legal system at some point in our lives. Although we may never become embroiled in any sort of litigation, legal matters are a facet of everyday life and accompany us from birth to death. That said, it seems like a good idea to have someone working on our behalf who knows how to navigate the arcane structure of the law. You never know when a legal problem could arise in your affairs and you may find yourself needing an attorney. It would therefore seem like a good idea to always have assistance in advance through prepaid legal services just in case you need it. Right? Think again. Continue reading

Staying Financially Secure When Applying for Disability

Although a prudent financial planner sets aside some of their assets for the proverbial rainy day when he or she may need them, there’s no predicting whether one may become afflicted with a disability in the future. The limitations created by a serious condition can not only impair your mobility and alter your lifestyle but can also restrict your ability to earn income. Thankfully, there are social safety nets out there to help you should such an unfortunate event befall you. Even if you are not disabled, it’s good to know how to access these support networks and garner the benefits they provide since none of us can know when we or someone we love may need them. Continue reading

Appreciating the Importance of Personal Finance

If you are reading articles on this website, you will probably agree (perhaps based on personal experience) that understanding how to assess and handle your finances can be very difficult. At the same time, very few of us ever receive training in basic financial skills as part of our formal education. The unfortunate consequence is a society composed of individuals who not only struggle with increasing debt but cannot provide their children with prudent fiscal advice, having never acquired such wisdom themselves. Regardless of your economic position or your long-term goals, a strong knowledge base of good financial behavior when combined with self-discipline can bring you not only stability but wealth. In order to achieve these objectives, it is essential to understand and practice the underlying principles of sound personal finance. Continue reading

Beware of debt relief companies

In the modern marketplace it seems that everywhere you look there is one group or another offering no-risk routes to debt reduction. Self-labeled debt relief companies abound, offering multiple strategies “guaranteed” to reduce payments to creditors and to lower your overall debt. While some advocate consolidating your debt as the ideal method of addressing financial troubles, others encourage you to employ their services and pursue debt settlement. Others still may promise that their services will help you lower your interest rates and make it easier to pacify your creditors. Don’t be fooled; while forms of debt relief promoted by these companies may vary by name but in substance they all share one thing: unreliability. Continue reading

Avoid Questionable Free Debt Advice

“Free debt advice.” While this is surely one of the most widely advertised three-word phrases across different forms of media, it is also one that should be regarded with extreme caution. The volume of Americans who find themselves in dire straits has spawned a wide array of unreliable sources of debt relief counsel that play upon desperation to resolve personal financial problems. Consequently, there are an unending number of entities which claim to offer debt reduction advice at no cost. Many websites which claim to offer free advice in actuality refer web surfers to debt settlement options which have complex and extensive costs. Given the lack of accountability that exists among many of these groups and the dubious nature of many who advertise “free debt advice”, it’s important to know about recommended options. Continue reading