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Debt Consolidation Care - Internet's first get-out-of-debt community

Is Debt Consolidation good for you ? Get FREE counseling from a Debtconsolidation company . Avoid bankruptcy, become debt free, deal with collection agencies and improve your credit rating.

InCharge Debt Solutions Non-Profit Credit Counseling Agency & Financial Education

Non-profit credit counseling agency specializing in budget counseling, debt management and financial education.

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Debt settlement by Internet's First get-out-of-debt community

Debt settlement is a fast, easy and effective way to eliminate your debts and reduce your principal debt amount by as much as 40% to 60%. If you feel your debts are too high and you wont be able to repay them, settle your debts.

Debt Consolidation Programs - Overview - Where to Find the Best Debt Consolidation Programs

Debt consolidation programs are usually just a big loan that pays off other smaller loans. They can be very beneficial to borrowers, but these programs also have their pitfalls. Read up on how you should use debt consolidation programs and how to find the best deal.

DEBT - Debt Program - Consolidation Debt Program

Consolidate your loans with All-Debt-Programs.Biz and get a low monthly payment with a fixed interest rate. Our consolidation debt program will consolidate your debts to help through financial education and debt management. Consolidate your loans with us!

Debt Program :: Money Management International

Find an affordable debt program from Money Management International

Debt Program Advice, Your 3 step program to settlement

We walk you through our simple process of settling your debt without a loan or credit check, see how.

Consumer Credit Counseling Service :: Debt Management Services :: Consolidate Debt

Consolidate debt and lower your monthly payments. Experience relief as you move towards a debt free future. Money Management International (MMI) and Consumer Credit Counseling Service (CCCS) are non-profit community service organizations that provide confidential financial guidance, free consumer credit counseling services and debt management assistance.

Debt Program

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Knee Deep in Debt

Professional Debt Settlement and Negotiation Services

Debt Shield's professional debt settlement and negotiation service eliminates credit card debt, other unsecured debts and provides fast and efficient debt relief.

Factsheet - Debt Relief Under the Heavily Indebted Poor Countries (HIPC) Initiative

The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and reform programs. To date, debt reduction packages have been approved for 30 countries, 25 of them in Africa, providing US$35 billion (net present value terms as of the decision point) in debt-service relief over time. Ten additional countries are potentially eligible for HIPC Initiative assistance and may wish to avail themselves of this debt relief.

Sovereign Domestic debt Technical Advisory Assistance Program To Nigeria

work program which aimed to enhance debt management practices within the respective ... domestic debt issuance and management program, Advisor's attention ...

Debt Free Program - Get out of debt with John Cummuta's secrets - Solid business opportunity

Your debts disappear (even your house is paid off) in 5-7 years, and you retire debt-free... using nothing more than the money you're currently earning plus one of today's best-kept secrets.

Overview: Debt Management: Programs and Systems: Financial Management Service

Overview: Governmentwide Debt Collection information available at FMS' web site. The Web site provides information on the Treasury Offset Program, Cross-Servicing, child-support enforcement, administrative wage garnishment, regulations related to these programs, and workshop/conference information related to debt collection activities. The Debt Collection Improvement Act of 1996 (DCIA), debt portfolio analysis, and the Treasury Report on Receivables Due From the Public are also available at this Web site.

At CareOne Credit Counseling, we are committed to providing all of the support and guidance you need to become, and continue to live debt-free.

Debt Analyzer, Debt Reduction Software, Home Page

Debt Elimination at its best! Potential savings of hundreds or thousands of dollars! Build debt reduction, timed elimination or consolidation schedules. Handles up to 50 debts at once. Use minimum payments (percentages too), current payments or accelerated. Nine priority methods or define your own. Set budget, variable extra payments. Daily, monthly, calendar & graph reports.

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About.com
About.com Credit / Debt Management
Get the latest headlines from the About.com Credit / Debt Management GuideSite.

Want to Be Debt-Free? Change the Way You Spend
3 Sep 2010 at 6:30pm

You could try to pay your way out of debt, but if you don't change certain spending habits, you'll find it close to impossible to become debt-free. One of the first things you have to do is tally up your debt and come to grips with what you owe. Learn four other habits to change before you try to get out of debt.

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Credit Card Offers Are Worded to Deceive You
2 Sep 2010 at 8:21pm

Credit card offers are written to entice you to apply and some of the wording is a bit exaggerated. CardRatings.com has a list of the 8 Most Deceptive Terms Used in Credit Card Offers and I definitely agree with the list. I've seen quite a few of them on credit card offers, especially "0% Fraud Liability" and "Helps Build Credit."

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Best Cashback Rewards Credit Cards
1 Sep 2010 at 6:53pm

When it comes to rewards credit cards, I'll take cash over points any day. If you're looking on your own cash back rewards card, you might have a hard time finding a generous cash back program. A lot of great rewards credit card deals have disappeared ever since the Fed put out rules that limit the fees and interest rates credit card issuers can charge.

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Drawbacks of Retail Store Credit Cards
31 Aug 2010 at 9:25pm

I love shopping but I dread the question nearly all store clerks ask now: "Would you like to save 10% and sign up for our credit card?" I used to let them down gently and say I already had the card, but preferred not to use it. Now, I just say that I'm not interested in a new credit card.

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Orchard Bank Secured MasterCard Review
27 Aug 2010 at 6:39pm

Secured credit cards are a great option for people who have bad credit and need a credit card to start rebuilding. They're also good for those who need a first credit card to gain some positive credit history.

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Credit Card Debt Isn't Age-Specific
26 Aug 2010 at 10:00pm

Stereotypically, college students are the group plagued with credit card debt. While cash isn't readily available for them, credit is. But college students aren't the only ones who have a high debt load. Credit card debt affects virtually every age group from 20-somethings to senior citizens.

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Debt Collector Calls on Your Cell Phone
24 Aug 2010 at 6:34pm

No one wants to be contacted by a debt collectors, especially not on your cell phone while you're caught in evening traffic. But, debt collectors can legally contact you on your cell phone if your credit application lists your cell phone number as a contact number for you. Though cell phone contact is enforced by the Federal Communications Commission, rules of the Fair Debt Collection Practices Act (FDCPA, enforced by the Federal Trade Commission) still apply. For example, debt collectors can't call before 8am or after 9pm your time. You can stop debt collector calls by sending a cease and desist letter.

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What to Look for On Your Credit Report
23 Aug 2010 at 6:32pm

When it comes to your credit report, it's best to be "in the know." You'll read a lot of advice to check your credit report for cases of identity theft, but that's not the only reason you should review your credit report. Looking at your credit report also gives you insight into what your creditors are saying about you. If you frequently check your credit report, you'll rarely be surprised about what's there.

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Capital One Charges Fee on 45-Minute Late Payment
21 Aug 2010 at 12:29pm

Earlier this month, About.com Reader Tami says Capital One is her worst credit card because they charged a late fee on her Capital One credit card payment even though it was paid on the due date before 5 p.m. Capital One's excuse: the payment was made after 5 p.m. Eastern time. Tami lives in the Pacific time zone.

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U.S. Bank Minimum Payment Increase
20 Aug 2010 at 12:14am

Yesterday, I received a letter from U.S. Bank letting me know, among other things, that my minimum payment was increasing to $30 or 1% of the balance, whichever was higher. I predicted credit card issuers would do this back when Feds introduced the rule to limit late fees. I won't be surprised if I get more letters from credit card issuers saying they're increasing minimum payments.

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