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What is Debt Counseling?
By Francisco Lakay
Debt counseling is the service offered by a debt counselor to consumers who are over-indebted due to financial mismanagement, untimely retrenchments, or any other reason. It helps you to get out of the debt trap, thereby taking control of your personal finances again. A debt counselor or advisor is a person or company registered with the National Credit Regulator (NCR in South Africa), who assists people with debt-related problems, providing them with budgeting advice and act as mediator with the credit providers to whom the outstanding debt is owed. Over-indebtedness is defined as the predicament where your expenses and debt exceed your income each month; i.e. you earn less than you can pay, thereby spiraling into greater debt without even acquiring any new debt.
Lifestyle debt, which has taken on massive proportions over the last eight years, has been the one major reason for over-indebtedness. People would tend to buy lifestyle products, such as the latest technological gadgets, rather than to invest for the future. Now in the midst of a recession consumers struggle to meet their monthly expenses, due to a higher cost of living.
Debt counseling is not a way to escape your repayment responsibilities, as some consumers mistakenly stop making payments to their credit providers after applying for the debt review process. Once you applied for debt counseling, the debt counselor notifies all the credit providers and the credit bureau within 5 days. You also will not have access to any more credit until all your debt has been paid in full. At this point in time the debt counselor would issue you a clearance certificate stating that your debt has been paid in full. You would now be able to start applying for credit again, bearing in mind your previous encounter with over-indebtedness.
Are you unable to keep up with your debt? Is your credit providers hassling you? Afraid you might lose everything? Get help from a debt counsellor to consolidate all your outstanding debt.
Francisco M. Lakay is the author of the site Debt Counseling that gives you insight into understanding your position as an over-indebted consumer.
All rights reserved. Article can only be used on other sites with intact links to the original site and author.
Article Source: http://EzineArticles.com/?expert=Francisco_Lakay
Lifestyle debt, which has taken on massive proportions over the last eight years, has been the one major reason for over-indebtedness. People would tend to buy lifestyle products, such as the latest technological gadgets, rather than to invest for the future. Now in the midst of a recession consumers struggle to meet their monthly expenses, due to a higher cost of living.
Debt counseling is not a way to escape your repayment responsibilities, as some consumers mistakenly stop making payments to their credit providers after applying for the debt review process. Once you applied for debt counseling, the debt counselor notifies all the credit providers and the credit bureau within 5 days. You also will not have access to any more credit until all your debt has been paid in full. At this point in time the debt counselor would issue you a clearance certificate stating that your debt has been paid in full. You would now be able to start applying for credit again, bearing in mind your previous encounter with over-indebtedness.
Are you unable to keep up with your debt? Is your credit providers hassling you? Afraid you might lose everything? Get help from a debt counsellor to consolidate all your outstanding debt.
Francisco M. Lakay is the author of the site Debt Counseling that gives you insight into understanding your position as an over-indebted consumer.
All rights reserved. Article can only be used on other sites with intact links to the original site and author.
Article Source: http://EzineArticles.com/?expert=Francisco_Lakay
Credit Scores and Debt Reduction Tips
By June Johnson
A good credit score is essential in order to qualify for a mortgage, car loan, or loan of any type. If you plan on using a debt reduction company to help you come up with a financial plan to pay off your debt, your credit score will not be affected, but qualifying for new credit could be an issue.
When you enroll in a debt reduction program, you send a check to the debt reduction company each month, and then the agency pays your creditors the amount they have agreed upon.
In most cases, a debt reduction plan takes four or five years. Using a debt reduction company will put a note on your credit report stating that you are using an agency to pay off your debt. Many times, this note will keep you from getting a new line of credit, due to the relationship. As long as you keep making payments over the term of the relationship, your credit score will not decrease.
A credit score needs to be kept as high as possible, and having missed payments and high debt can hurt that chance. If you make all of your payments to the credit reduction company and do all that is required of you under the terms of the plan, your credit score will increase after your debt is paid.
It is essential that no new debt is created during the time that you are using a credit reduction service. A high credit score is one of the goals that should be listed when considering using this service.
Your debt score will reflect the work you do when using a debt reduction service, and you will see the fruits of your labor as you make your payments over time.
June Johnson has a story of personal success against overwhelming financial odds--at times she didn't know where she would sleep that night--and is now helping others to do the same. Follow her on Twitter (JuneJnsn), YouTube (MsReduceDebt) or ping her at http://reducedebtnow.net.
Article Source: http://EzineArticles.com/?expert=June_Johnson
Managing Your Debts - 8 Tips to Help You Manage Your Money
By Katy Davies
In these modern times, where debt makes the world go round, and unemployment is at an all time high, getting into debt is becoming more and more frequent. Not only that, but the more desperate a person becomes, the more willing banks and loan companies become to lend you a helping hand. Or so it seems...
The reality is quite different - Vastly inflated APR rates, monthly repayments that are simply too high; another loan is taken out, or perhaps another credit card applied for and before you know it you've fallen behind with the payments. This is the situation that hundreds of Britons find themselves in every year. Here are a few tips on how to minimize the risks of getting into debt...
1. Learn to Prioritise - Take care of the most important debts, such as mortgage arrears or rent first, then electricity and gas bills. Once these main concerns are out of the way, with what is left over you can begin to work out a realistic plan to pay off other debts. Try to pay more than the minimum amount each month.
2. Small Sacrifices - Getting out of debt involves making cutbacks. Work out what you can do without each month in terms of luxuries, or if you could find a cheaper alternative to beauty products or foodstuffs.
3. Check the Rates - Find out what interest rate you're paying on loans and credit cards. Pay off the most expensive first and close the account. If possible, transfer the most expensive debt to one with a lower interest rate.
4. Beware of Offers - Many card providers offer free or low introductory rates, but be realistic about the time it will take for you to pay off your debt. Check the rate you will be paying when the offer ends. You may find it easier to manage paying off a fixed amount each month.
5. New Loans - Taking out a new loan to kill off lesser, more expensive debts can be a good idea if the rates and terms are more favourable, because a single monthly repayment is much easier to manage. However, don't be tempted to borrow on top of current debts, or increase old debts again. Interest rates on some debt consolidation loans can also be high, so you can end up paying more in the long run. Do your homework beforehand.
6. Ignoring a Problem - Don't ignore building debts. Credit ratings can be checked by all businesses to see if you have a poor history, whether you want a mortgage, or finance for a new television. Missing repayments can have a detrimental effect on your ability to get credit for a long time to come, even after you have cleared your existing debts, and you may find yourself struggling to buy goods on finance, or get a mortgage.
7. Act Fast - As soon as you think you may have a problem with debt, contact your creditors to discuss or lengthen the terms of your debt. In most cases you will find them amenable and willing to help, as a mounting of the problem is of no benefit to either party.
8. In the Future - Be disciplined. Don't take on more debt or credit than you can afford. Shop around for the best deals you can find, and get rid of any store cards or credit cards with high interest rates. Keep the credit card with the most favourable terms for emergencies only, and destroy the rest.
© K. M Davies
Article Source: http://EzineArticles.com/?expert=Katy_Davies
The Benefits of Accounts Receivable Financing
By Bob Gilmour
It's unfortunate but many businesses that fail are profitable when they go under. Cash flow problems that are caused by costs of sales and the high cost of carrying inventory can soak up working capitol.
Added to this is the cost of carrying unpaid invoices for 60 or 90 days, and in some cases longer, can stifle business growth. You're not alone, many businesses have a large chunk of their cash flow tied up in slow paying invoices.
If the success of your business is being hampered by checks that are "in the mail", late and unpaid invoices and you simply can't afford to wait any longer the solution could be in Accounts Receivable Financing. Armed with this tool many businesses are able to budget for the costs associated with doing business in a much more efficient manner.
Invoice Factoring is a tool that has been successfully used by millions of businesses to provide the cash flow essential for operating their business. For many companies their largest customers are the ones that take the longest time to pay. Accounts receivable Financing can pay your invoices in as little as one to two days so your potential growth is virtually unlimited.
It's an old adage that banks only money to people that don't need it. Unlike banks Invoice Factoring corporations look at the credit score of the companies that you do business with. Your credit score is not an issue. For many small business owners, accounts receivable financing gives the business the ability to manage working capital without taking on additional debt or repaying loans.
The bottom line: if your customers are paying you too slowly, and this is limiting your business growth potential or profits, you should consider accounts receivable financing.
Article Source: http://EzineArticles.com/?expert=Bob_Gilmour
Ways to Reduce Debt
By Sharon K
Debt happens to all of us. How you handle it afterward is a different story. Whether debt is from excessive shopping, a job layoff, an unexpected expense, it has to be paid for. There are different ways to handle this.
Essentially, you owe more than you make. So you either need to decrease your spending, or increase your income. For more income, you can get a second job, work odd and end jobs, etc, or you can take steps to help pay down the debt faster.
Call your creditors - Call your creditors and see what you can do to help make the debt go away faster. You'll be amazed how often they are willing to make a payment plan, especially if you have been making regular payments and trying. They would rather get their money over a time period than not at all. A payment plan has to be reasonable, $10 a month on a $1000 debt is not reasonable. If you cannot get satisfaction from the first person you speak to, ask to speak to a supervisor.
Get your interest rate lowered - Is your debt credit card debt? Have you always made your minimum payments on time? If so, you are considered a good customer. Call the company and see if they can lower your interest rate. It never hurts to try.
Snowball your debt - This is an idea from Dave Ramsey. Lets say you have two debts, one for $1,000 (Debt A) and one for $10,000 (Debt B). You pay the minimum on both, and then put any extra money you have onto the smallest debt, the $1,000. Once that is paid off, you take the minimum you were paying on Debt A and apply it to Debt B, including the minimum for that.
Cut Spending - See what you can decrease - internet, TV, cell phone, you don't have to cancel these items, but see if you can decrease all the services you get with them. Maybe you cut out how often you go out for dinner and cook food at home.
If you are not able to make any progress with those ideas, you need to make more money. If you haven't already made a budget, now would be a good time to do so, as you may find doing that other areas you can cut spending.
Sharon Katzman is a Manager with Gold Canyon Candles. Through her business, she is able to help women to make an income and feel empowered. To find out more, you can visit her blog at http://www.thescentsationals.com.
In her downtime, she enjoys crafting, reading, harassing her cats, and being lazy. You can find out more about Sharon by visiting her blog at http://allaboutme-sharon.blogspot.com/.
Article Source: http://EzineArticles.com/?expert=Sharon_K
How to Develop an Emergency Fund to Avoid Debt
By Sally Depp
Every individual and family should make use of a savings account that will act as an emergency fund in the case that funds are required in the event of an emergency, job loss, or even an illness within the family.
How much should you save in the emergency fund? The opinions between financial experts vary but most consider that you should save enough in the emergency fund to cover between three to eight months worth of expenses. Through these three to eight months worth of expenses it is important to include fixed expenses like the mortgage, but also the variable expenses which are included in the budget.
Where can you find the money in the budget to start an emergency fund? It is important to start small and find small and subtle changes within the budget to start saving. A realistic goal is to begin saving ten percent of the earnings. Saving this ten percent of the earnings can be an effective way to ensure that you are able to easily find the room within the budget to establish the emergency fund. Making small changes within the budget such as avoiding eating in restaurants, or avoiding spending money on frivolous items such as designer shoes, or even finding a lower interest rate credit card or a less expensive home can all make a large impact on the amount of money within the budget that is available to spend and can therefore allow you to put this money in an emergency fund which can also act as an alternative to using credit when you find yourself in a tough financial situation.
It is important to deposit the money into an account that is going to provide you with the highest interest rate. Through speaking with a representative at the bank, you can make use of tax free savings accounts, or high interest accounts that can be used to create an effective way to make the most of your money. It is important to ensure that you are maximizing the potential of the money that you have made so much effort to save.
Click here for more FREE information on Debt Free America or visit http://www.settle-debt.com/debt-free-america.html.
Article Source: http://EzineArticles.com/?expert=Sally_Depp
Is There a Social Stigma Attached to an Individual Voluntary Arrangement?
By Edward Woodwards
IVAs are generally known as Individual Voluntary Arrangements that are increasingly acquiring the status of being popularly known as a method that can help resolve debt problems. Moreover, if we look at recent reports, we can see that the amounts of IVAs that are taken out every month are now exceeding the amount of bankruptcies. At the same time, IVAs are not recommended to be the best solution out of debt problems. Even IVAs have their own benefits and disadvantages as well.
IVA is a process that can be processed in a confidential and private manner. The information is not leaked out as in the case of debts, or loans. This clearly indicates that there is no such social stigma attached to IVAs. IVAs are beneficial in the sense that it enables one to get rid of his/her debt in a period of five years. At the same time, it keeps the assets of the debtor secure, and safeguarded. Moreover, the repayment that you make within the duration of five years is within your resources and not beyond your approach at all. The repayment is never demanded beyond your limits.
The most threatening factor affiliated with debt problems is that the debtors are constantly haunted, and feared by the creditors for repayment of the debt. While an IVA guarantees that creditors would not be able to harass the debtor by contact, or would threaten, they like dragging them to court, etc.
There are individuals who consider the five years of IVA as a long duration, and for them, bankruptcy is a better option. However, talking about social stigmas, there is a threat to the invasion of your privacy by the public, because even though the IVA is carried out confidentially, yet any one that contains the record of all the registered cases can access the Individual Insolvency Register. In addition, the IVA team with wage slips, and salaries, consistently to make sure that you have been repaying the highest amount, constantly monitors the debtor.
Therefore, if there is any chance on your side regarding consideration of IVA, it is better to consult Debt Management Company. There are agencies that have reported regarding misdirecting their clients on IVA terms and conditions. Therefore, it is suggested to make a thorough search before coming to a final decision.
The most recommended alternative to save yourself from bankruptcy is however, an IVA that shares certain similarities with bankruptcy, but you cannot regard it as having that social stigma. It assists in survival, saving you from immense doom like in the case of bankruptcy. These are voluntary arrangements that take place between the debtor, and the creditor on some sort of settlement amount that would be paid within duration of five years. Even the interest charges are exempted. At the same time, the creditors do not have the liberty to pursue the debtor, and harass him via any legal action.
IVA saves you from a life that is devoid of the necessities of life. It helps you possess your assets like car, house because these are none the less essential elements of life.
The monthly payments are set according to the affordability of the debtor. IVAs are not reported to be printed in paper, and therefore, you are safe from any public exposure. Thus, it saves you from being socially stigmatised.
You can take an expert advice on individual voluntary arrangement.
Article Source: http://EzineArticles.com/?expert=Edward_Woodwards
Top 4 Effective Ways to Avoid Debt
By Sally Depp
Although credit cards can seem like the most popular form of currency nowadays, it is important to remember that there are many alternatives in the budget, aside from turning to credit and these alternatives can help you to avoid debt in the budget.
Here are five ways that can help you to avoid debt in your budget:
- Don't use credit. This one is simple. If you don't use credit than you can't get in over your head when it comes to debt. Using cash, or saving for an item, rather than using a credit card to purchase the item on a whim can help you to avoid credit card debt and help you to retain a financially secure future.
- Start an emergency fund. When it comes down to it, most people use credit cards and loans in the time of urgency and therefore beginning an emergency fund that you can rely on as an alternative to the cards and other types of debt is an effective way to ensure that you are able to avoid debt.
- Don't carry a balance. In the case that you use the credit card to accumulate points or repay the card after it has been used, it is important to avoid carrying a balance on the card. Avoiding carrying a balance on the credit card can be an effective way to retain control of the finances and keep your debt in check.
- Take advantage of automatic savings accounts that can help you to establish a savings account or even establish an emergency fund. Through these accounts, you can choose a certain amount which is debited from the account every single month, or you can choose to have a small amount debited from the account each time that you make a purchase, which can be deposited into the savings account. Saving has never been easier!
Since saving is becoming simple, it can be easy to create a savings account or an emergency fund. Through these methods you can easily avoid debt and ensure that you are able to maintain the control of the personal finances.
Click here for more FREE information on Debt Elimination Plan or visit http://www.settle-debt.com/debt-elimination-plan.html
Article Source: http://EzineArticles.com/?expert=Sally_Depp
Debt Negotiation - Should You Favor Professional Arbitration Over Self Negotiation?
By Summer Wilson
Nowadays people have found financial settlement a very good technique to eliminate their loans. However, arbitration in such cases is not an easy task. Many people think that settlement firms are non-profit organizations so it better that they negotiate with their creditors themselves. In this way they will be able to save more money. While this seems to be a very good idea but what count is the result. A negotiation has to be effective for achieving results that a person can use in his favor. So the most important thing that a borrower should consider is that how much relief he would get if he negotiated with the creditors himself?
Although a settlement firm charges fees for their service, but it is only 10% of the reduced amount. It is not worth the reduction that a settlement deal gets? It can make up to 60% reduction for the borrower making it a lot easier for him to become liability free as he would only have to pay remaining 40% as a total amount owed. Debt negotiation is a success if it is handled by the settlement firm. A good settlement firm with a several years of experience can easily convince the creditors to provide a waiver to the borrowers. The employees of a settlement firm know all the tactics on handling the creditors. They have also established relations with the creditors so they have understandings between them.
On other hand, if the arbitration is handled by a borrower himself, there are very less chances that he will even get a waiver. There are many people who want to attempt self-negotiation but they need to understand that only a little knowledge is not enough to negotiate with these big financial companies. Many of them will flatly say that their companies never ever settle. This is totally false, all creditors settle but to convince them you need a professional negotiator. Creditors prefer to negotiate with someone who is very professional rather than talking to an individual. It happens in very rare cases that people get reduction from the creditors by self-negotiation but the reduction is just of 20 to 30 percent which is not at all enough.
That is why it is said to hire a settlement firm that will do this job more perfectly. A legitimate debt settlement company will take over all of debt related issues from talking to the creditors to making monthly or lump sum payment to them. They will free an individual from all the tension caused due to debt in their lives.
If you have credit cards or other unsecured debt over $10k you will be eligible to eliminate up to 70% of this through a credit card debt settlement. CreditCardDebtNegotiations.com will provide legitimate debt relief help and free counseling for consumers. They are one of the largest and most respected debt relief networks on the marketplace and can help you eliminate unsecured debt.
Free Debt Counseling
Article Source: http://EzineArticles.com/?expert=Summer_Wilson
An Introduction to Individual Voluntary Arrangements
By P. Rob
This brief introduction to Individual Voluntary Arrangements, should give you some idea of what the process actually involves. You may have heard the term IVA and not known that it stands for Individual Voluntary Arrangements. There have been quite a few advertisements on the television regarding IVAs, but they are short and rather cryptic, leaving people wondering just exactly what it means.
An Alternative to Bankruptcy
An individual voluntary arrangement is a legally binding agreement that was introduced by the British government as an alternative for those people with more than fifteen thousand pounds worth of debts who might otherwise have filed for bankruptcy. The amount of debt in the population has risen considerably since the late nineteen nineties and so had the number of people who filed for bankruptcy. When someone files for bankruptcy each case results in a considerable amount of money in court costs, and IVAs were seen by the government as a cheaper and less traumatic experience than bankruptcy.
If you think that an IVA would be appropriate for your situation then you need to contact an insolvency practitioner who will be able to tell you whether an arrangement is the way forward for you. The practitioner will want to see a breakdown of your finances so that he or she can draw up a document detailing how much each of your creditors will be paid each month, and what part of the debt may be written off. Once a document is drawn up, you and your insolvency practitioner will then meet with your creditors to see whether they will agree to the arrangement. Providing at least seventy five percent or three out of four of your creditors agree to the arrangement or IVA, and then the others have to go along with it.
The Arrangement
Once the arrangement is in place you will make a monthly payment to your insolvency practitioner, who will take his or her monthly fee and then divide the rest of the agreed sum of money between your creditors. If you are a home owner than at the end of the first two years of the arrangement, you may be required to release some of the equity from your home to cover the debt. Not all arrangements include this clause. If you are concerned about your home then you need to check whether it includes the equity in your home at the outset. Providing everything goes as planned and you keep up with the payments you should be debt free at the end of five years, anything left owing at the end of that period is written off.
P. Rob is an expert on IVAs and other financial issues
Article Source: http://EzineArticles.com/?expert=P._Rob
What is a Debt Snowball Calculator?
By Lerin Roberts
First let's explain what debt snowball is. It is a debt paying philosophy for getting out of debt. It is particularly good for when you have many credit cards and loans where you are paying a minimum on each debt. The philosophy works like this. You pay the minimum on all your debt, but as you pay off a debt, instead of putting the money back into your budget, you apply that payment to the next credit card or loan you want to pay off. Any extra money also goes to that one payment also. As you keep paying off debt and applying all the moneys to the next payment, then pretty soon you have this giant payment.
So now what is a debt snowball calculator? A debt snow ball calculator helps you determine which loans to pay off first. You want to pay off the ones with the highest interest because they are costing you the most money. With the debt snowball calculator you enter all your debt payments, balance and APR rate. It will then give you an order in which to pay them off.
This is one way to look at it, but I also like Dave Ramsey's idea of paying off the smallest first. This gives you some immediate gratification that you can do this! It will also allow you to start combining moneys within a few short months. Once you have paid off one or two little ones, and then tackle the ones with the highest interest rates.
Keep track in an excel spread sheet so that you can see your savings.
Just think of what you can do with all the money that was going to debt payments. Just think of all that you can do. You will then be on the road to building wealth.
Lerin Roberts
For more information on
Debt Snowball Calculator
http://www.debt-relief-now.info
Article Source: http://EzineArticles.com/?expert=Lerin_Roberts
Debt Begins at 42
By Danny Simpson
An IVA is arranged through an Insolvency Practitioner. It is a legally binding contract between an individual and their creditors that leads to being debt free within five years. You agree to pay a monthly sum that is affordable to you based on your income and expenditure.
The Insolvency Practitioner distributes funds once the arrangement has been agreed by creditors. Funds been paid in by the individual in line with the terms of the IVA. When the arrangement comes to a successful completion outstanding debt is cleared.
Charges and interest are frozen when an individual takes out an IVA, breaking the cycle of debt.
The mean average age for people to enter into an IVA agreement is 42.
Men in their forties are the most likely age group to enter into an Individual Voluntary Agreement (IVA) according to analysis by RSMTenon Debt Solutions, the specialist financial advisory service. It estimates that around 28% of the 106,000 people declared bankrupt or insolvent in 2008 were men aged between 40 and 45.
London and the South East has 25% of IVA cases in the UK and is top of the league followed by the Midlands and the North West with 18.5% and 15.5% respectively.
Over six hundred, 2008 cases were looked at. Analysis shows that men are 10% more likely to struggle with debt than women.
The average amount an IVA is taken out for is a worryingly high 44,700. Such an agreement would last for five years.
As people get into their forties, increased wages are offset by an inproportional increase in expenses such as more children, school fees and higher household bills. Such additional outgoings add to any existing debt and make it easy to lose track.
In the current environment, it is vital that people take responsibility and act sensibly in relation to their finances. RSMTenon have found in recent cases that half have at least one store card. These cards charge some of the highest interest rates around and interest can accumulate quickly in a short period of time.
Visit the RSM Tenon Debt Solutions website to find out more about IVAs along with other debt management solutions.
Article Source: http://EzineArticles.com/?expert=Danny_Simpson
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Artwork gallery of Balinese crafts and arts, an official website for several Balinese artists and crafts manufacturer, supplies or sell crafts and arts products based artwork gallery concept, to explore craft ideas and fine art.
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