Credit Card Debt
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Credit Card And Debt Management
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Author : Scott Bilker
language : en
Publisher: Press One Publishing
Release Date : 1996
Credit Card And Debt Management written by Scott Bilker and has been published by Press One Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Consumer credit categories.
Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is possible to save thousands of dollars!
How To Pay Off Credit Card Debt
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Author : Sue Maddock
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2012-11-15
How To Pay Off Credit Card Debt written by Sue Maddock and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-11-15 with Debt categories.
Got two minutes to spare? Can afford $5 without it affecting the rest of your day? Then you have all that is needed to pay off your credit card debt.The benefits of "How to Pay Off Credit Card Debts" are:- It's simple, very simple - anybody can follow it.- It's quick, very quick - two minutes a day, that's all the focus you need to give.- It will snowball, faster than you think, in fact, it will create an avalanche!- It will make you feel positive towards your credit card debt, rather than lousy - this is the best part!- You will automatically know what to do and when to do it, without somebody telling you to change everything or anything about your life.- It works regardless of the size of your debt, whether your debt is the equivalent of $500 or $500,000.Have you got every credit card you own maxed out? Do you feel depressed just thinking about it? Do you want to pay it off but find you can't even bring yourself to face what you owe?Everybody says to pay this enormous, headache creating credit card debt you must "Pay more off each month"; "Get another job to earn more"; "Sell your body parts to medical science"; "Cut up your cards and never use them again" ... What! Cut up your cards, what about that shopping trip you were just about to go on? It's all too much to face. They're asking for a total change in lifestyle and for you to work even harder than you do already. But you created these debts. Nobody forced you to borrow so much, they just made it easy for you. You need to pay them off, legitimately.I know how you feel. You're certainly not alone. I was there. Four credit cards maxed to the hilt; two overdrafts, maxed to the hilt; and the biggest bank loan I could get. What was I doing about it? Using the little left on my cards to drown my sorrows!Then I applied a very, very simple technique to my debt. The same technique I had used many times in other aspects of my life.All those depressing analyzations I completely ignored. And I never changed my lifestyle. Instead I did a two minute action which changed my life, and the balance on my credit cards, massively. Whether your debt is the equivalent of $500 or $500,000 this will work. All you need is:- two spare minutes a day- to want to reduce / eliminate your credit card debt- to buy "How to Pay Off Credit Card Debts" (buying this will show you have both the capability and the commitment to make it happen - for YOU)That's it! "How to pay off credit card debts" will give you:- the TWO simple things you need to do to get rid of those credit card debts that will take just two minutes a day;- a system that will not affect your lifestyle, you can still go to the pub!- a system that will not require you to develop budgets or even face the debt monster until YOU are ready to;- the reason why YOU will automatically cause a snowball affect to pay off your credit card debts faster than you thought possible;- how thinking about your debts will become a positive thought in your life, rather than an enormous headache;- the advantages gained when disaster hits and another big expense / bill comes along.The biggest benefit "How to pay off credit card debts" gave me was the elimination of the constant headache every time I thought about my credit cards.Stop paying out for those headache pills, for a headache that is not going to go away unless you take direct action. "How to pay off credit card debts" is cheaper than the pills and it has a much longer lasting effect!
How To Get Out Of Credit Card Debt
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Author : HowExpert
language : en
Publisher: HowExpert
Release Date : 2016-08-29
How To Get Out Of Credit Card Debt written by HowExpert and has been published by HowExpert this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-08-29 with Business & Economics categories.
If you want to get out of credit card debt fast, then get this book! Credit card debt is a form of unsecured debt taken from a financial tool usually credit cards. These credit card debts are generated when credit card holder purchases products from these cards and accumulates due to the interest charged on it. Difficulty arises because people are not able to repay their loans effectively or in time. When a card holder is unable to pay his debts he is declared as "defaulter". In this book, “Living with Credit Card Debts”, we are looking at how we can overcome the obstacle we often face when it comes to managing our credit cards. The basic ideas discussed in the book are as follows: • Plan your financial life. Financial problems are something most of us will have to manage eventually in life. In order to cope with the pressure that may arise, we need to have a proper financial plan and even financial goals. • Credit card ratings and debts. We need to know what we should do and not be overburdened by debts. • Study of financial management. We should make money work for us and not the other way round. We should have control of our money and not money have controls over us. • Avoid bad debt. This may be as a result of poor privatization that may make us go for what we do not necessarily need. HowExpert publishes quick 'how to' guides on all topics from A to Z by everyday experts.
How You Can Profit From Credit Cards
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Author : Curtis E. Arnold
language : en
Publisher: FT Press
Release Date : 2008-06-06
How You Can Profit From Credit Cards written by Curtis E. Arnold and has been published by FT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-06-06 with Business & Economics categories.
Who would not be interested in getting an interest-free loan for 12 months for any type of purchase just for taking a few minutes to complete a credit card balance transfer offer? Or a free round-trip airline ticket twice a year just for making purchases on a rebate card? Or lowering their insurance premiums by hundreds of dollars a year just by raising their credit score? Obviously, just about every consumer is interested in saving money and getting freebies! Hence, the universal appeal of this book cannot be overstated. Today, the average American household has 12.7 credit cards. Banks maximize their profits by "nickel and dimeing" and outsmarting their cardholders: that's why credit cards are their most profitable product. Banks spend billions enticing consumers with rebates, freebies, low-introductory rate offers, and airline miles. Learn how to take full advantage of these offers, without paying for them through brutally high interest rates, fees, and penalties! Arnold offers specific advice targeted to young consumers who are being aggressively targeted by credit card marketers; retirees facing credit discrimination; Americans recovering from bankruptcy or other debt problems; and even consumers with great credit. You'll learn the techniques he has personally used to escape credit card debt, "creatively finance" his wedding, car, and home purchases, and earn thousands in credit card "perks" every year.
The Smart Easy Guide To Credit Card Debt Relief
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Author : Richard Norris
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2013-10-22
The Smart Easy Guide To Credit Card Debt Relief written by Richard Norris and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-22 with Bankruptcy categories.
If you think credit cards can make your life hard by burdening you with debt, try living without them for a while. Unless you are living in a cave of Tora Bora, life can come to a complete stop without credit cards these days. How to strike the balance between enjoying the benefits of credit cards while avoiding their ills? This is just one of the questions you will find answers to in The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free. After reading this book, you'll know the ins and outs of credit card debt, and it's weighing down on you, you'll find yourself on the road to financial freedom. Here are a few more things about credit card debt that this book tells you: -How to minimize the negative impacts of credit card use -Unusual tips for getting and using credit cards -Why credit card debts happen-how to get rid of them -Easy steps for curtailing and eliminating credit card debt -How to get help in case you are under debt -Debt consolidation-pros, cons and procedure -Methodical payoff versus bankruptcy -Life after debt relief Written for today's fast paced world where people don't have much time to go through piles of information and guidelines, this book simplifies complex debt relief laws and procedures for an average reader, and provides complete step by step guidance to make and keep you debt free. The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free will help you all the way. Most people wind up under credit card debts because they are unable to comprehend the idea behind credit cards. They give in to impulses and slack on their payments, getting hit with late payment charges and heavy interest. The debt keeps piling until it becomes crushing, and the debtors find themselves unable to repay. Soon, people are looking for more credit cards or personal loans to pay the debts on their existing credit cards and keep the cycle going, but this cycle is more like a downward spiral, which gets them under heavy debt. Credit card debts are not uncommon in our society, though, and anyone who is lagging behind on payments should not feel ashamed to ask for legitimate help. The problem is (was) that very little impartial and genuine advice is available for people who are either already under debt or using the credit cards wrongly. All products rely on glitzy advertising to stir impulses, and credit card comes in handy when it's time to pay. There's no card that comes with a "use prudently" warning printed on its front side. Credit card users realize their problems only when they have ended up under debt. But The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free is here to help you get out from under it. This book provides valuable and unbiased guidance for all credit card users for avoiding getting into and getting rid of credit card debt. As credit cards are endemic in today's society, this book should be read by everybody who wants to use them smartly. Credit is good in the sense that you can avail discounts and get the things you want without wasting time waiting for the money to arrive. However, if you are not careful with how you spend and manage your credit card debt, you might be exposed to the unfriendly side of credit cards, a side that you don't want to see. Grab your copy today of The Smart & Easy Guide To Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, Debt Management & Other Options To Pay Off Credit Cards & Become Debt Free!
How To Get Out Of Credit Card Debt
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Author : HowExpert HowExpert Press
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2016-09-27
How To Get Out Of Credit Card Debt written by HowExpert HowExpert Press and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-27 with categories.
If you want to get out of credit card debt fast, then get this book! Credit card debt is a form of unsecured debt taken from a financial tool usually credit cards. These credit card debts are generated when credit card holder purchases products from these cards and accumulates due to the interest charged on it. Difficulty arises because people are not able to repay their loans effectively or in time. When a card holder is unable to pay his debts he is declared as "defaulter". In this book, "Living with Credit Card Debts", we are looking at how we can overcome the obstacle we often face when it comes to managing our credit cards. The basic ideas discussed in the book are as follows: * Plan your financial life. Financial problems are something most of us will have to manage eventually in life. In order to cope with the pressure that may arise, we need to have a proper financial plan and even financial goals. * Credit card ratings and debts. We need to know what we should do and not be overburdened by debts. * Study of financial management. We should make money work for us and not the other way round. We should have control of our money and not money have controls over us. * Avoid bad debt. This may be as a result of poor privatization that may make us go for what we do not necessarily need. Click BUY NOW and Be Debt Free!
Credit Card Debt
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Author : Dirk Bower
language : en
Publisher: Efalon Acies
Release Date : 2023-12-16
Credit Card Debt written by Dirk Bower and has been published by Efalon Acies this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-12-16 with Business & Economics categories.
Welcome to the journey toward financial liberation! In the pages that follow, we embark on a transformative exploration—a guide designed to liberate you from the clutches of credit card debt and set you on the path to lasting financial freedom. In the hustle and bustle of modern life, it's all too easy to find ourselves ensnared by the allure of credit cards. What starts as a convenient tool can quickly spiral into a web of debt, impacting not only our bank balances but also our peace of mind. This book is your compass, your ally in breaking free from the chains of financial burden. Welcome to a Debt-Free Future Imagine a world where the heavy shackles of credit card debt are non-existent—a world where financial choices are made with unwavering confidence, free from the looming clouds of anxiety. As we embark on a deep exploration of the nuances of debt, consider this opening as the prelude to an empowering odyssey that awaits. Hand in hand, let's navigate through the intricacies of credit card debt, untangling its complexities and plotting a course towards a future bathed in the radiant light of financial freedom. The High Cost of Credit Card Debt No denying it—shouldering the burden of credit card debt isn't just about crunching numbers. Here in this segment, we delve into the concealed toll that interest rates and fees can exact on the landscape of your financial health. It's more than just digits on a statement; it's a narrative that affects your overall well-being. Unveiling the intricacies of these costs serves as the inaugural stride towards regaining command over your financial realm. It's time to decode the cryptic language of credit and reclaim sovereignty over your hard-earned money.
Laws Of Managing Credit Card Debt
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Author : Keith Dewayne Nelson
language : en
Publisher:
Release Date : 2008
Laws Of Managing Credit Card Debt written by Keith Dewayne Nelson and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with categories.
Stop Paying Your Credit Cards
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Author : Arthur V. Prosper
language : en
Publisher:
Release Date : 2018-01-08
Stop Paying Your Credit Cards written by Arthur V. Prosper and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-01-08 with Business & Economics categories.
***SECOND EDITION***This book IS about negotiating forgiveness for your credit card debt by writing your creditor one simple negotiation letter and what to do if the creditor refuses to negotiate. If you owe money on your credit cards and cannot make payments anymore because of financial difficulty, this book is for you. I owed over $100,000 in credit card debt and the debt was hurting my life. I had trouble sleeping at night thinking how long my ever-increasing debt would continue to gnaw at me. Even if I could afford to make the minimum payments and do not borrow anymore, with interest of 25% APR, I will still owe a lot of money after many years of making only minimum payments. The interest alone would total close to $100,000. It took a year of trial and error, hours on the phone and writing meaningless letters most of which I copied from the internet before I saw the light at the end of the tunnel. None of the free advice and letters in the internet worked because the truth is I was not insolvent. I did not qualify for bankruptcy protection. I could have paid my credit card debt by liquidating my assets, selling my house, but that would have been devastating for my family. I kept on thinking of a way for my creditors to reduce my debt. I finally came up with The Letter that uniformly worked in negotiating down my debt. After mailing The Letter to my creditors, I received a reply from one of them offering to accept 50% of what I owed as full payment of my debt. I countered with 5%. We finally agreed on 10% of the original amount as full and final settlement of my balance. Considering I had not paid them for a year, I accumulated a little cash, so I was happy to grab the offer and pay the 10%. I had five credit cards with large balances and The Letter worked satisfactorily on four of the accounts. I settled the 4 accounts for between 5% and 15%. The last hold-out, surprisingly the account with the smallest balance at $13,000 chose to take me to arbitration. This negotiation-resistant creditor perceived that they might collect more money from me that way but they were wrong. I was surprised that not one of the 4 creditors even referred to the contents of The Letter or attempted to verify what I had written in the letter. The Letter aims to convey this message: "Take my final settlement offer or sue me. But if you sue me, you will lose". Ken Clark, author of The Complete Idiot's Guide to Getting Out of Debt: "So many people are trying to get their balances reduced, you call and try to negotiate a balance, and it's 'Get in line.'" The card company's attitude may be, "Yeah, you and everybody else"". My Comment - That's because you called to negotiate instead of sending them The Letter shown at the end of this chapter. Trust me there aren't that many accounts in default as a percentage of the whole or our banking system would collapse. If you write The Letter shown at the end of this chapter, the creditor will put you at the front of the line.Brian Tawney, Director of Clear One Advantage: "Based on experience negotiating with creditors, debt settlement companies know what percentage of debt owed each creditor is likely to agree to. We use an algorithm that considers 140 different variables and tells us the accounts that have the highest opportunity to settle at any given time. We negotiate in bulk. We can negotiate thousands of cases and get a better settlement for everyone". Translation: Debt Settlement Agencies take only the easy cases that's why they "negotiate in bulk". If they have to spend more time on your case because you have wages a creditor can garnish and assets they can put a lien on, they will not take your case. I like my system better. You write The Letter shown at the end of this chapter which begs creditors to forgive 85% to 95% of your debt. The creditors can take it or leave it. If they take it, you win. If they leave it, they lose. Author's website: www.didosphere.com
Credit Card Debt
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Author : Alexander Daskaloff
language : en
Publisher: Harper Collins
Release Date : 1999-04-06
Credit Card Debt written by Alexander Daskaloff and has been published by Harper Collins this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-04-06 with Business & Economics categories.
Leave Home Without It... Membership has its privileges, but it also has a huge share of disadvantages. Without the proper know-how and guidance, you could find yourself buried beneath an avalanche of credit card debt. Millions of Americans are just like you and are currently attempting to pay off $450 billion to credit card companies. It's in a credit card company's best interest to keep you in debt—after all that's how they make their real money. Even by following their rules, you can quickly be put at a disadvantage. It seems as if there is no light at the end of the tunnel—that is, until now. And All That Goes With It Whether you are overwhelmed by credit card debt or trying to prevent it altogether, Credit Card Debt has the answers. The author's basic three-step program provides the information you need to reduce interest rates, eliminate fees, and negotiate with credit card companies to keep your credit report clean. Uniquely designed to help you organize, analyze and reduce your debt, this book helps you understand how credit card companies make their money, how credit cards work, and how to use them responsibly.