Ways to Negotiate Credit Card Debt and Avoid Bankruptcy With Credit Card Debt Negotiation

If you feel that settling your debt is already bordering on the impossible, credit card debt negotiation is your next best option. Creditors are always after the assurance of payment. The tendency of people with debts is to shy away and neglect all the notices. This non-action forces credit card companies to send more letters and give you calls that unfortunately strain you psychologically and border on harassment. Apart from that, non-payment means additional penalties or late charges. The longer you ignore these notices, the deeper you’ll be sucked into financial hell. Debt negotiation is a way out of the stress of your situation.
What is Debt Negotiation.

Debt negotiation (also referred to as “debt settlement”) is the time-tested, foolproof method of clearing up those acquired collection accounts. With a debt settlement attorney as facilitator, you can forget about declaring bankruptcy and look forward on getting back on the right financial track. (Plus, you will also be safe from the threats of credit card lawsuits!)

Although declaring bankruptcy seems to be the best way out when your accounts get unmanageable, bankruptcy also carries a lot of disadvantages. It may be relatively easy to justify, but bankruptcy can burden for the rest of your life, and your financial life for at least the next seven years. It also entails a lot of legal documentation which becomes a matter of public record forever.

Three Reasons Why Debt Settlement is Your Best Option:

1. It requires little work on your part. Find a reputable debt settlement lawyer and your debt problems are as good as solved. The debt settlement attorneys will do all the talking and negotiation for you. They may even tell your creditors that you are seriously considering bankruptcy and may not have the necessary amount of money to pay off all your debts given the limited finances at your disposal.

Your chosen debt negotiator will be your representation, which means you will be saving yourself from the burden of receiving those endless letters and scary phone calls. Someone else will negotiate on your part, and you can have your peace of mind that the job is done correctly and within the law.

2. It will force your lenders to rethink about their options.Most credit card companies are owned by banks. When you are suddenly unable to pay your balance, they will be concerned with your ability to pay off the debt. Credit cards, classified under unsecured loans, are not backed by collateral. They generally do not have the power to use your other assets as mortgage and they are simply holding on to your promise of paying. Banks are aware that if you declare bankruptcy, there will be a large possibility that the entire balance of your credit account will be wiped out. Not receiving any sum of payment is the worst-case scenario for any credit card company. A company doing negotiation on your part will give your creditors the assurance they need. Creditors will more likely settle or adjust the terms of payments, than not receive any amount of payment at all. This means that you can reduce your debt to as much as 60-70%, eliminating all those overwhelming penalties and other unnecessary charges.

3. It will save you precious time and valuable money. With the debt settlement attorney doing the negotiation, you can save your self from spending gruelling hours worrying about how you can pay off your creditors. With the credit card company’s eventual change of priorities, you are likely to remove almost all the unnecessary interest and overdue fees from what they are trying to charge you to settle the account.

Preparing An Older Home For The Market: Tips For The Best Presentation And Price

A home that has been lived in for over fifteen years by the same owner should be carefully prepared for the resale market in order to present it competitively. Building codes have changed over time, and you will want the home to present well when the prospective purchasers have their home inspection. If attention is not taken before the property is listed, various defects may be unknown and cause serious problems which could result in a deal falling through if the buyer and seller cannot agree on a remedy. Then the home owner is faced with having to disclose deficits to other potential purchasers, and this may make the home less than attractive to possible buyers.

Our advice is to hire a qualified home inspector do a pre-inspection on the property, and to make the appropriate repairs before listing. Anything that would cost the home owner more than they wish to spend may be referenced on the listing as being sold in “as is” condition.

Some features that may come up would include are the following:

Vermiculite insulation- This can be a problem as some vermiculite contains asbestos which is a health hazard. A qualified laboratory can test samples of this product for around $400.00 and verify if asbestos is present.

Mold- This may be present in areas where moisture has penetrated. This can possibly be in the attic or basement or behind walls. There are various treatments to remove it from the home, and the reason it occurred in the first place must be dealt with. Is there a leak present that needs to be repaired as well?

Basement leaks- Be sure to have these repaired, and request that a warranty for the work is written on the bill.

Wood trim around windows and doors should be properly prepared and painted.

Downspouts should be extended six feet from the house to prevent possible basement leaks and dangerous ice build ups.

Replace or repair any defective outlets. If there is aluminum wiring on the property, be sure the proper outlets are installed.

Have the electrical panel and wiring checked to be sure it is up to code.

The recommend pre-home inspection carried out by a qualified home inspector will identify any unknown defects. Preparing a house properly may take some time and expense, but in the competitive real estate market it will allow you to market the house with confidence and negotiate for the best price.

If there are any structures that are close to the lot line, double check what the minimum set backs are for that part of town. Make sure if a structure is not conforming to current by-laws you are aware of it and you do your best to rectify the situation.

A well prepared house is far less stressful to sell.

One final point- Select your agent wisely. Be sure that they are willing to put the time and attention into your property before it goes on the market.

Get Cash for Mobile Phones for Your Childs Christmas Presents

Many people will be struggling with the idea of fantastic presents for their children this Christmas. The problem is that children want so many different things these days and it can become very difficult to purchase a fantastic present which will be useful. I’ve written the following article to help give you fantastic deals for Christmas presents. I hope you find the following article informative and useful.

Please find my present ideas below-

1. Firstly I think purchasing a mobile phone is a fantastic present idea. Firstly although I do not agree with children having the latest technology I do believe they should be safe and I believe mobile phones are a great way for them to access help immediately if the need it. If you’re purchase a mobile phone for them I would recommend purchase a fairly good make which will last them a long time without spending a fortune. If you do this and they already have an older phone they will be able to recycle their old mobile and get cash for mobiles they no longer need which is always an added bonus. You’ll provide them with a source of cash for mobile phones they no longer need and a new phone.

2. If you have a child who really enjoys being outside why not consider purchase an outdoor adventure or course of lessons in a sport they’ll really enjoy. This will be a great way for your child to have lots of exercise, meet new friends and have an enjoyable experience.