Tips On Recovering From Filing For Bankruptcy

As the economy declines, more and more Americans are falling into debt, and more of us are filing for bankruptcy every day. Bankruptcy can be viewed as a fresh start, removing much of your debt and payments, but it will also destroy your credit report, remaining there for ten years, and diminishing it by several hundred points. In most cases, bankruptcy should be seen as a last resort because of how important it is to maintain a healthy credit score. If you are forced to file for bankruptcy, there are certain measures you should take to ensure that you can get on the road to financial recovery as quickly as possible.

The first step to rebuilding a healthy credit score, of course, is to know what it is. Be positive that it is free of mistakes or errors because inaccurate information will extend the amount of time that it will take to score high enough for conventional credit. Everyone with a credit score is entitled to a free credit report every twelve months from each national credit bureau. That means you could check your score at all three bureaus at once to compare the scores, or check your credit score every four months to make sure that the information is accurate. Either way, make sure you are on the up and up.

After bankruptcy, it is a smart idea to obtain a secured credit card. Usually, these cards are credit cards that are secured by a deposit account (generally a savings account) that the cardholder is owner of. These cards are made for people with poor credit so that they can stay in low credit-limit situations for a long time at a high interest rate, so that you can build up a good history after bankruptcy. Additionally, having more than one kind of credit line will help improve your credit report.

One of the keys to having a good credit score is to have at least two credit cards from well known and respected banks, and other payments such as a house payment. The people who have excellent credit reports keep balances below fifteen percent of available credit every month. Around ten percent of your credit reports is based on the kinds of credit that you use.

Another ten percent is based on new credit accounts that include credit lines that you are able to establish after filing for bankruptcy. Bear in mind if you are looking to repair your credit after declaring bankruptcy that some credit “doctor” or credit repair businesses might make sensational claims that they can miraculously fix your credit file, many times for an exorbitant fee. It is pertinent to remember that only time, not some magic cure can cause your negative credit history to drop off of your credit score.

Mallory Megan works for Rapid Recovery Solution and writes articles on commercial collection agencies. Free reprint avaialable from: Tips On Recovering From Filing For Bankruptcy.

Legal And Illegal Tactics A Collection Agency Will Use: Debt Collection Basics Part Three

In the first two articles I defined what a delinquent account that had been sent to collection was, how sending late accounts out to an debt collection company benefits a creditor, and the practice of selling an old debt to a third party collection agency.

I wrote about what type of information a collection agency will collect and use in their efforts, and also that third party collection agencies are governed by federal and state laws and are overseen by the FTC.

A minority of collection companies will utilize deceptive, strong arm and illegal methods to confuse and scare debtors that include pretending that they are one of their creditors and asking them to verify information, pretending to be an old friend or neighbor to catch a debtor off guard, repetitively calling or mailing a debtor to the point where it gets to be a nuisance, or sending threatening letters or leaving threatening voicemail messages.

Legal but manipulative methods include pressing the consumer, preying on their emotions, and utilizing vague threats such as “respond within so and so amount of days or further collections attempts will follow.” Other illegal practices include making an idle threat of litigation or pursuing litigation when the debt collector has no intention to, threatening to throw a debtor in jail, threatening to garnish wages or seize bank accounts when they have no authority to, lying about the amount that is owed, or asking for more than what is owed are used as well.

For the collections industry, time is the enemy and a good bill collector is completely aware of this bit of information. Their main task is specifically to get money as soon as possible.If you are talking to a debt collector, keep in mind that at any time you have the legal right to tell them you are busy and will call them back if you are flustered, hang up, cool off, develop a game plan, and contact them later. An aggressive debt collector will ask you why you can’t make payment arrangements today.

Rapid Recovery Solution is a commercial collection agency that writes articles on medical collection agencies. Also published at Legal And Illegal Tactics A Collection Agency Will Use: Debt Collection Basics Part Three.

Add Beauty And Inspiration To Your Finances With Thomas Kinkade Personal Checks

Your finances might be stressful, but that’s even more reason for you to have something beautiful and inspirational to look at when it comes to paying your bills. If you love the beauty and motivational messages behind Thomas Kinkade’s artwork then you will be sure to love the Thomas Kinkade personal check series.

Thomas Kinkade is certainly one of America’s most adored artists. His art has stirred millions with its romantic and unusual natural scenes, wonderful landscapes, and the moving messages that go along with his brilliant images. These days, you can take a small piece of him and his artwork with you everywhere you go when you buy Thomas Kinkade checks.

If you love beautiful churches and inspirational messages then you will be sure to adore the “Faith for all Seasons” check series. These checks contain uplifting Biblical quotes and gorgeous artwork that depicts quaint country churches set amongst peaceful mountainous and country backgrounds.

The “Heaven on Earth” series is equally lovely and contains 4 rotating designs of dreamy, tranquil gardens complete with inspirational verses. Whenever you look at these checks, you will immediately feel as though you, yourself, can walk across the picturesque bridges and step into the welcoming glades and meadows that are depicted in these scenes. Your finances might be stressful, but looking at these images will definitely bring a sense of calmness each time you take out your checkbook.

The “Seasons of Reflection” checks contain images of all 4 seasons through this wonderful artist’s renderings. The snow won’t feel nearly as frosty and bitter when you’re imagining yourself relaxing inside this comfy cottage with a fire burning and the moonlight playing on the trees. In the same way, fall never looked as alluring as it does in his depiction, with the dazzling sunset, recently fallen leaves, and puffs of smoke coming up out of the stone chimney.

The majority of the Thomas Kinkade checks can be obtained along with matching accessories. A corresponding checkbook cover or coordinating address labels can be a great way of finishing your Thomas Kinkade look and adding style to your finances.

Remember that when you buy your checks online you can save as much as 50% off their price. When you purchased your personal checks from your bank, you might have discovered them to be pricey. Your bank almost certainly had a small variety of checks to select from, too. Now, though, when you buy them online from a trustworthy website you can save cash and have a huge assortment of check designs to pick from.

When purchasing them online, just make certain that you have your routing number and checking account number handy as they will be printed onto the checks. You can anticipate receiving them in around 5 days which could be sooner than your bank got them to you.

Before you order Thomas Kinkade checks, go to to get coupons and to save 50% off your next purchase of Thomas Kinkade personal checks.

Your Questions About Free Access Numbers

Calling cards are very popular among overseas workers and travelers. These people usually can save on their monthly budget for international and even local calls. The cards are available almost anywhere in the public places and they are reliable.

Sometimes, you may wonder why you paid for a specified number of minutes but you only got to use less. Maybe your card have hidden charges that can reduce your calling time. These hidden charges are the connection fee, service fee and maintenance fee. These are generally present in cards with very low calling rates. They pass the charges to their customers.

Usually, calling cards have access numbers printed on them. The numbers are provided by telecommunication companies to customers to dial first when placing a call. They are very helpful for you in order to save some bucks. You will get better and cheaper rates when you are using a local access number. The reason is that the calling card company pays less service charge to route the call. As a result, they pass the savings to the customers and they get cheaper rates.

Calling cards purchased online are more reliable and the access numbers are updated. You don’t need to carry the card everyday. Instead, you get an electronic mail containing the information like the directions, personal identification numbers (PIN), and the toll-free and local access numbers. You will not loss the card but you have to be careful in keeping especially the PIN. Online calling cards can also save you money on printing and shipping cost since you won’t get the actual card.

For better calling experience, remember to use toll-free and local access numbers. They cannot only help you save but they are more reliable to get a crystal clear voice quality from the other party. Beware of the hidden charges and you get to save.

Read my latest articles on Free Access Number and do check out my website for my other telecommunication Tips .

A Money Crisis Isn’t So Bad After You Get A No Fax Payday Loan

Most people think of a money crisis as something bad that happens that you are in no way prepared to take care of and that is the case most of the time. However, not all money issues have to be related to bad things. Sometimes they can be good things too. You might have an anniversary or birthday coming up and you want the extra cash to do something special. Maybe there is something you have been waiting to buy that you really need and you find a great deal on it out of the blue.

Even if you do think you deserve to borrow a little money and do something that might not be exactly necessary, there is the problem of where you could get the money. It is hard enough to find a way to get fast cash in an emergency, much less when you want some for something extra! If you can get on line with your computer, your problem could be solved easier and faster than you ever thought possible by simply applying for a no fax payday loan.

Payday loans have been the solution for many people these days that find themselves in need of money for whatever reason. If you have a steady income and a checking account, you have already passed most of the essential requirements. If you are over 18 and are a legal resident, then you have passed the other half. That really is all there is to the process in most cases.

Almost any place you try to apply for a loan these days are going to sift through your credit history and credit score with a fine tooth comb before they will even discuss giving you any money, but with a no fax payday or cash advance, you don’t have to give your credit history or score a second thought because they won’t either. You past credit or even your current credit issues have nothing to do with your loan. That is because a loan from a payday loan or cash advance company is done differently than traditional loans.

Paying back your loan should be easy if you plan ahead. No fax payday loans are usually always deposited directly into your checking account so that is why you have to have one. They are also repaid through your checking account. On the due date of your loan, the company will have your payment automatically deducted from the account. You must know the date your loan is due and the exact amount so you can make sure the money is the there for them to get. Getting a renewal or an extension on your loan is normally possible if you make arrangements ahead of time. This will protect your standing with the loan company and allow you to be eligible for future loans.

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Investment Planning For The Future

Every family should plan a future investment. Insurance is the best risk covering investment. Life time coverage of any type of loss like life, health and property comes under insurance. One can save tax by making investment in insurance policy.

The uncertainty of life can bring disaster. If you are the single earning member of your family you should step forward to secure your family by covering under life insurance. It gives security to them who depends on you for their sustenance. A large investment can fulfil your family’s desire in future. An insurance policy is dependent on your age, health, retirement plans, income, assets and wealth. You can invest in insurance policy to safeguard your wealth for coming generation. You purchase life insurance certificate to remain independent when the policy holder dies.

In a nuclear family you generally have three members. Husband and wife both are earning members. You can secure your life easily through life insurance. It has made provision for maximum utilisation of your present income. It maintains your standard of living. It helps to meet any unexpected expenses in future. It safeguards your property. It helps you to become independent after retirement. You can plan to purchase property. You can make investment for your child’s education. You can insure your health against any disease.

You should pay premium in time after a short interval. . You can have insurance coverage from your insured value after your death and even on your survival. Mutual fund is a scheme of insurance policy which gives maximum returns after a short period.

There is a difference between term and whole life insurance but you have to make a choice between them. The premium of term life insurance is low at the beginning but it increases with the growing possibility of death. It has minimum coverage. The premium of whole life insurance does not change through out your life time but its coverage is high. For small business owners, they should know that the entire business as well as automobiles associated like the commercial flatbed truck comes under insurance coverage.

You should insure your life to make it safe and secured for future. Your family and your business’s future will have great benefits.

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Collection Agency Basics Part Two: Who They Have To Answer To

In the first article of this series I wrote about what a collections account was. It is an unpaid account that usually runs 90 to 120 days late. Delinquent accounts will either be collected by the original creditor itself, or sent out to collection agencies. Sending an account out to a collection agency benefits the creditor because they can both write the debt off on their taxes and collect profit on the money owed.

Sometimes old debt will be sold to a third party collection agency who becomes the new creditor. This old debt will be collected or sold to another agency until it is paid or the statute of limitations (usually seven years but it differs by state) runs out. At this point, a third party debt collection company doesn’t have the authority to negatively mark your credit score or take legal action against you, but they are legally able to send letters to you and persist with the collection phone calls.

Collection companies will get a hold of the following information to coordinate a game plan to collect the money that they are attempting to obtain: the name and address of the consumer and a record of all correspondence with them, the amount that is owed by the debtor and the date of the last payment. A collection company has the authority to pull a credit report on a consumer and communicates with the credit bureaus often to keep information current.

All third party collection agencies are governed by Federal (Fair Credit Reporting Act and the Fair Debt Collection Practices Act) and state laws that are generally very strict. They report to the Federal Trade Commission, which tracks statistics and complaints about third party collection agencies.

It is only a very rare instance in which the Federal Trade Commission will become involved in a single complaint about a debt collection company, but if the FTC notices a trend that many people are complaining about the same agency it will look into it.

Rapid Recovery Solution is a commercial debt collections agency that writes about commercial collection agencies. This article, Collection Agency Basics Part Two: Who They Have To Answer To is available for free reprint.