Monthly Archives: June 2010
What You Should Do If You Can’t Pay Your Mortgage
Posted June 29, 2010 – 3:29 pm in: MortgageWhat if you can’t pay your mortgage?
No Comments | Tags: business, finance, home, home loans, house, houses, Mortgage, real estate
3 Ideas That Will Save You $$$ On Your Home Loan
Posted June 27, 2010 – 9:17 am in: MortgageHere I will show you some different ways that you can save on your mortgage that the other utah mortgage companies would prefer you didn’t know.
No Comments | Tags: Conventional Loans, FHA Loans, FHA Mortgage, Mortgage, mortgage lender, real estate, Utah Home Loans, Utah Mortgage Loans
When You Owe Too Much Debt And Just Can’t Pay
Posted June 25, 2010 – 3:51 pm in: Personal FinanceDebt can be an exhausting problem that weighs you down and affects your personal life greatly. But what if you have exhausted all of your resources and still can’t free up enough money to start repaying your debts in a big way? You still have choices. Perhaps it is time to think about the big things in your life- private schools, your home, and your cars. Are these things truly necessary? Another choice you have is to go through your home and your things and determine there is anything of value to sell. You can go after more money at your current job, or by taking on a second one. And there are still other options yet. Credit counseling and bankruptcy are always available, but you are not there yet, so for now, take a deep breath and determine what you can accomplish on your own.
No Comments | Tags: collection letters, collection services, credit card debt collection, debt recovery solution, how to collect a debt, Personal Finance
The Basics Of First Time Home Loans
Posted June 23, 2010 – 1:20 pm in: LoansFinancing a home for the first time can be a scary path to have to walk for many people. Don’t be scared of first time home loans because they are surprisingly simple and straight forward. There are a few tricks that will put things in perspective, but getting the right loan is a easy if you are prepared.
No Comments | Tags: first time buyer home loans, first time home loans, fixed home equity loans, Home Loans for First time Buyers
Solutions To Foreclosure
Posted June 21, 2010 – 2:01 pm in: MortgageThree universal options for foreclosure are loan reinstatement, a forbearance agreement, or a loan modification. Though there can be numerous other particular techniques to stop foreclosures, these three are utilized frequently.
No Comments | Tags: business, finance, home, house, houses, Investing, Mortgage, real estate, Unsorted, Various
Living Below Your Means Vs Raising Your Means
Posted June 19, 2010 – 12:25 pm in: Personal FinanceIt is commonly accepted in the financial world that you should live below your means. This basically means that you should spend less money then you make. Even though that is generally accepted there are two different ways to solve this problem.
No Comments | Tags: expenses, finance, income, Personal Finance, savings, Wealth Building
What Do Credit Reports Mean And How Are They Calculated?
Posted June 17, 2010 – 11:52 am in: Personal FinanceAs of 2009, bankruptcy filings that were new increased by over thirty five percent in just one year. Although it may seem like a dismal sign, a good way to look at it is that all of these people are on their own paths to rebuilding their credit scores and ultimately, financial freedom. We have all seen commercials with “people just like you and me” urging us to go to whatever website and check on our credit score. We know that if the number is high, it’s a good thing. It it’s low, it could mean trouble finding a loan, getting a job, or a new place to stay. But just what is a credit score?
No Comments | Tags: bad credit loan, Credit, credit score, fico score
Divorce And Credit Card Debt
Posted June 15, 2010 – 6:40 pm in: CreditWhen a marriage comes to an end, it’s always a tragedy. Of course the rending of the family unit and the difficulty for the kids is the hardest thing about separating at divorce. But the difficulty of separating one house into two can be difficult and tedious to say the least. You have to go [...]
No Comments | Tags: debt and divorce, divorce and debt, who pays debt in divorce
Jury Awards $500,000 To California Couple In FDCPA Case
Posted June 13, 2010 – 12:10 pm in: CreditLast month, Manuel and Luz Fausto won one of the largest collection awards documented in the last couple of years under the Fair Debt Collection Practices Act (FDCPA) against Credigy Services Corporation. A California jury awarded the Faustos $500,000 in damages caused from harassment by Credigy collectors. Of the sum, granted $100,000 was for actual damages the Faustos experienced, while $400,000 was in punitive damages, granted for malicious and reckless disregard of the couples rights. According to one of the Faustos lawyers, David Humphreys of Humphreys Wallace Humphreys, P.C., and the case stemmed from a debt on a Wells Fargo charge card opened in 1992.
No Comments | Tags: Collection agency quotes, collection letter, collection letter samples, collections agencey, collections agency, commercial collections, debt collection agencies
Doing Nothing And Avoiding Bankruptcy
Posted June 11, 2010 – 1:13 pm in: BankruptcyBankruptcy is the official declaration that you cannot repay your debts. This is used only as a last resort, when you have found no other way to get out of debt. For most people, this is not a good option. Bankruptcy can only be successful if you really have tried every other option and none [...]
1 Comment | Tags: going bankrupt, types of bankruptcy, what is bankruptcy
Everything You Need To Know About Debt Consolidation Loans
Posted June 9, 2010 – 6:10 pm in: Debt Consolidation ReviewSimply put, a debt consolidation loan is a loan that enables you to reroute all of your debts through a single source with a low interest rate. Whether the majority of your debt is secure or unsecure, you can still great reduce your payments by applying for a debt consolidation loan. The benefits of taking [...]
No Comments | Tags: consolidate debt, Debt Consolidation
Discover The Truth About Your Personal Credit Report
Posted June 7, 2010 – 1:46 pm in: CreditWere you aware your personal credit report can be the determining factor in your getting a job? Did you know your private credit report can cause your personal auto and life insurance rates to go up? Just for your information it can also stop you from being insured. Now did that get your attention? If [...]
No Comments | Tags: credit improvement, credit score, fico score
How Does Debt Consolidation Stack Up Versus Debt Settlement?
Posted June 5, 2010 – 4:13 pm in: Debt ConsolidationDebt settlements differ slightly from debt consolidation. It is important to build or repair your credit rating, since nowadays you practically need perfect credit in order to get a home, car, personal loan, and so on. If your credit has any record of negligence, most companies will turn you down. If you need help with [...]
No Comments | Tags: Debt Consolidation, debt settlement
Discover Alternative Solutions For How To Reduce Credit Card Debt
Posted June 3, 2010 – 6:29 pm in: Personal FinanceCan you open your wallet and count more than two credit cards? If you said you had from 3 to 5 cards you may not be in trouble. But if you have over 5 credit cards there is a good chance you are in financial trouble or so close to it; that one emergency could [...]
No Comments | Tags: debt reduction, get rid of debt, reduce credit card debt
Income Proof For Mortgages, Remortgages And Secured Loans.
Posted June 1, 2010 – 3:27 pm in: MortgageIn the days before the credit crunch the home loan products of homeowner loans, mortgages and remortgages were easily available to self employed applicants. However this all changed and self employed soon found out that many loans were now beyond their reach.
No Comments | Tags: debt loans, homeowner loans, Mortgage, mortgages, remortgage, remortgages, secured loans
