debt management programs » personal

Debt settlement proposals – what you need to know

admin — Mon, 22 Aug 2011 18:03:32 +0000

An overview of four key options for eliminating your debts. Learn about how a debt load of $20,000 could be eliminated over a period of 36 months through the options of: i) paying the debt in full; ii) getting a consolidation loan; iii) seeing a credit counsellor; or iv) making a debt settlement proposal with Sands & Associates.

Sands & Associates is BC’s largest firm focused exclusively on helping individuals solve their financial problems. We have 9 offices in the lower mainland: Vancouver, Burnaby, Surrey, Richmond, Tri-Cities (Port Coquitlam), Maple Ridge, Langley, Abbotsford, and Chilliwack.

In many cases, a debt settlement Proposal is a better alternative to filing for personal bankruptcy – we will help you make an informed choice.

Call 310-0911 toll free to schedule a free, confidential evaluation of your financial options

Duration : 0:2:1

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Debt Consolidation and Credit Counseling Personal Loans – Bad Credit Loans Credit Cards And PayDay

admin — Mon, 22 Aug 2011 18:03:20 +0000

One of the largest independent finance brokers in the country. We have staff who are highly professional and experienced in a wide range of loan solutions and are ready to deal with your applications.Whatever type of Finance you require we could help. Borrow from for any reasonable purpose with 1 – 25 years to repay Does your business need cash now? Bankcard Empire believes in builting a relationship with you. We believe in your business. With our FastCash product, you can have access in 5-7 business days to cash advances of up to $250,000. Best of all, there is no requirement of collateral, credit or personal guarantees and you can use the money as you want to realize your business potential and make your dreams a reality.
How does FastCash Work? We advance your business funds against future Visa and MasterCard receipts.to learn more about this life changing offer, please visit our website at PrivateFastLoans.com

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Duration : 0:4:31

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Personal Finance & Money Managing : How to Open a Debt Consolidation Business

admin — Fri, 01 Jul 2011 22:48:35 +0000

Opening a debt consolidation business requires the appropriate training as a liability specialist, registration with the appropriate reporting agencies and ample advertising to build up a clientele. Star a debt management company from the ground up with money advice from a registered financial consultant in this free video on personal finance.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:18

Technorati Tags: banking, budgets, checkbooks, finance, investing, managing, money, personal

Financial Education and Tools Credit and Debt Debt Consolidation and Credit Counseling Personal

admin — Fri, 01 Jul 2011 22:48:30 +0000

How I Turned Around My Credit Score… Not long ago I was in a huge financial mess. My personal credit was horrible; I couldn’t get a loan, and I was struggling just to pay the high interest payments on my credit cards. The bank wouldn’t finance me for a house, and I had to purchase my car from a buy-here pay-here dealer. It wasn’t until the car lot that sold me my 1996 Honda Accord came and repossessed it that reality hit me. I realized that I needed to get my life in order, and it all started with my credit. I have to honestly say up until that point I was not the best at paying my bills on time. I had many late payments, charge-offs, and I even filed bankruptcy in the past. I was the person who paid the minimum payment on half my bills and didn’t pay the other half at all. I’m sure some of you can relate. The day they came and took my car away, I had a friend pick me up and drive me around to every car dealership in town. No one would give me a loan for a car. I realized, right then and there, I had to fix my credit score and fast.to learn more about this life changing offer, please visit our website at PrivateFastLoans.com

Duration : 0:4:22

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Debt Consolidation & Management : What Types of Debt Can Be Garnished From Wages?

admin — Thu, 23 Jun 2011 08:54:53 +0000

Pretty much any type of debt can be garnished from wages, but there are certain states that don’t allow wage garnishment. Find out how to avoid getting to the point of wage garnishing with help from the owner of a debt negotiation company in this free video on debt and money management.

Expert: Peter Repak
Contact: www.ClearFinancialCompany.com
Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company.
Filmmaker: Christopher Rokosz

Duration : 0:1:44

Technorati Tags: advice, budgets, card, cards, consolidation, credit, debt, finance, financial, help, history, management, money, personal, ratings

How To fix My Credit | Credit Repair Company

admin — Tue, 07 Jun 2011 13:40:46 +0000

http://www.KaydemCreditHelp.com
Call us: (866) 237-0013

You want to fix your credit, looking for a credit repair company that will raise your credit score? Welcome to Kaydem Credit Help

Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast!

What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…

While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.

Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this.

One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.

How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.

Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:

1.) The “High Credit Limit”

and

2.) Your “Debt to Credit” Ratio

Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).

Get it? Good.

Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).

Keep in mind, your high credit limit is comprise ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.

A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?

That is the question….

The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!).
These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.

We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:

http://www.KaydemCreditHelp.com

Duration : 0:2:2

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Debt Consolidation & Management : Disadvantages of Consolidating Credit Cards

admin — Tue, 07 Jun 2011 13:40:36 +0000

After consolidating credit cards, a person is still at a disadvantage because they have to pay off the debt, and credit card companies will notice that this person is in trouble. Find out how credit card consolidation can hurt a credit score with help from the owner of a debt negotiation company in this free video on debt and money management.

Duration : 0:2:9

Technorati Tags: advice, budgets, card, cards, consolidation, credit, debt, finance, financial, help, history, management, money, personal, ratings

Junk Debt Buyers Exposed: Assigned and Sold Debt

admin — Sun, 22 May 2011 12:13:41 +0000

http://DEBTWARRIORS.COM Watch this video, as DEBT WARRIOR™ Kasondra Miller, explains ‘Assigned Debt’ vs. ‘Sold Debt’.

Duration : 0:1:4

Technorati Tags: auto repossessions, credit cards, credit debt, debt collectors, debt education, debt management, debt settlement, debt warriors, debtors right, finance, j. carlton ford, Junk Debt Buyers, personal, unsecured debt

How to Identify a Trustworthy Debt Settlement Company

admin — Sun, 24 Apr 2011 09:08:05 +0000

How do you know if you can trust a debt settlement company? SettleFirst CEO Jonathan Harstad offers advice about how to determine if a debt settlement service is trustworthy.

Duration : 0:0:47

Technorati Tags: debt, finance, personal, SettleFirst, settlement

Debt Consolidation & Management : How to Find Debt Cures

admin — Sun, 24 Apr 2011 09:07:51 +0000

In order to find debt cures, a person needs to do research through debt settlement agencies or financial advisers. Get out of debt with tips from professionals with help from the owner of a debt negotiation company in this free video on debt and money management.

Duration : 0:1:14

Technorati Tags: advice, budgets, card, cards, consolidation, credit, debt, finance, financial, help, history, management, money, personal, ratings