Debt Managment Program Site

What Is My Best Option on Clearing My Debt?

Question by Alfie: What is my best option on clearing my debt? I foolishly hooked up with a man I met in Cannes around three years ago and he moved over to England to live with me. At the time he said he had money but now I found out it was a lie and to tide us over until he received payment from his “business” I took out a loan which now stands at 9.5k. I’ve paid off a good 10k of debt already of his be it unpaid bills, amentities etc. Needless to say we’re no longer together and he has no interest in paying me back and since the loan is in my name, the bank is just fine with the situation. I’m looking to go traveling very soon because I’ve never really done it and this loan is really niggling at me, I would certainly like to do something about it before I go and have come up with the following options. As it stands I have a pretty good credit history and have worked very hard to keep it this way despite my ex’s attempt to ruin me and would like to keep it intact...

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Debt Settlement With CuraDebt

curadebt is ranked as one of the top debt settlement companies. Get a free consultation. Visit curadebt at www.curadebt.com Video Rating: 0 / 5

Will Using a Service to Pay Off My Debt (such As Money Management International) Harm My Credit Rating?

Question by sarahpdr: Will using a service to pay off my debt (such as Money Management International) harm my credit rating? http://www.moneymanagement.org/ Best answer: Answer by l_c_1030ABSOLUTLY! Everything that you do will come back to hurt you when it comes to debt. These people handle the different companies that you owe, and you pay the Money Management place each month and they disperse the money to the different creditors, but sometimes these monies do not get where they are supposed to go, or, the debt does not get taken off your credit report as promised. Your credit rating is already hurt by having a debt in the first place, what you need to do is get a handle on your money management yourself, instead of hoping some company with false statements and empty promises will help you reconcile your debts. What do you think? Answer below!

Question: Debt Elimination Class?

Question by ChikaSexy: Debt Elimination Class? Has anyone ever taken a class like this? Is it worth paying the money? What do they teach you? Best answer: Answer by andyDon’t waste your money. The best way to eliminate debt is first to stop charging. Second, to pay off outstanding debt. Third, live within your means. That is the boiled down version. Most will tell you which debts to pay off first, either smallest or highest interest than to roll the money from one debt that is paid off to the next one that you will focus on until your debt free. They will also teach you how to set up a budget and it will be up to you to stick with it. Add your own answer in the comments!

Question: Lucent Technologies? Help?

Question by Confused5821: Lucent Technologies? help? The following is an excerpt from Lucent Technologies’ Management’s Discussion and Analysis of Financial Condition and Results of Operations: Executive Summary We design and deliver the systems, software and services that drive next-generation communications networks. Backed by Bell Labs research and development, we use our strengths in mobility, optical, access, data and voice networking technologies, as well as services, to create new revenue-generating opportunities for our customers, while enabling them to quickly deploy and better manage their networks. Our customer base includes communications service providers, governments and enterprises worldwide. We have three segments organized around the products and services we sell. The reportable segments are Integrated Network Solutions (“INS”), Mobility Solutions (“Mobility”) and Lucent Worldwide Services (“Services”). INS provides a broad range of software and wireline equipment related to voice networking (primarily consisting of switching products, which we sometimes refer to as convergence solutions, and voice messaging products), data and network management (primarily consisting of access and related data networking equipment and operating support software) and optical networking. Mobility provides software and wireless equipment to support radio access and core networks. Services provides deployment, maintenance, professional and managed services in support of both our...

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Do Consumer Credit Counciling Programs Really Work?

Question by miss d: do consumer credit counciling programs really work? I talked to one about $ 30,000 in debt on credit cards (don’t ask) and they said they could pay it all off in 3 and 1/2 years, I am getting a lower interest rate, but not any reduction in my debt, is this better than bankruptcy? Best answer: Answer by Mister CIt’s all a matter of what your end game is. I don’t think one is better than the other, it is just a matter of what will work better for you. http://debtnegotiationzone.com/category/consumer-credit-counseling-articles/ What do you think? Answer below!

Online Debt Consolidation Services – Consolidate Credit Card Debt Quickly

Debt consolidation companies help to consolidate credit card debts, medical bills etc with professional help. Visit :- www.loansstore.com Different debt consolidation services like non profit credit counseling, low rate consolidation and debt management programs etc for getting you out… Video Rating: 0 / 5

Need Help With Debt, Please Read?

Question by LINDSAY M: need help with debt, please read? i took out a loan 3 years ago, for £2000, i was to pay £155 for 24 months, but unfortunately had a pay decrease at work a year into the loan, and couldn’t afford to pay it. i didn’t have ppi, but have been making regular payments of £55 a month for about 9 months now, but interest has been added to the loan making the total amount owed just over £6000!! ive drafted up an offer and would like input on what people think of it, eg, will it be accepted, is it reasonable ectect. my monthy disposable income is £80. this is my letter :::: I am writing to you because i am concerned about my loan account with you. i have been paying £50 a month due to having a reduction in my earning, and ive come to realise my debt is increasing rather than decreasing. i have included a copy of my expenditures and i wish you to consider what im going to offer. my offer is that i pay £65 for the next 60 months which is a total of £3,900, and for the remaining...

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Re Form 982 Insolvent Cx Mortgage Debt (paid Credit Cards) and Reduction of Attributes.?

Question by BruceJo: Re Form 982 Insolvent cx mortgage debt (paid credit cards) and reduction of attributes.? The cx debt was $ 16,620.. The insolvent worksheet shows fmv assets $ 69,004. Liabilities $ 117,936. Insolvent amount $ 48,932. I have read the publications regarding this, but need help with the attribute reduction part. I think it’s zero but some said it can’t be zero. Then I got confused. The original cost basis of assets was $ 92,288, Liabilities after cx is $ 101,316. But the fmv used to determine insolvency now is $ 69,004. Can you help me out on how to figure the attribute reduction. Best answer: Answer by Liberal AssKickerThe purpose of the “reduction of attributes” is to reduce your tax-free benefit. Here’s how forgiven debt works: 1–Any amount of debt that you no longer have to pay automatically becomes taxable income. 2–If you’re going through bankruptcy, normally, the income from forgiven debt is no longer taxable. 3–For insolvency, the forgiven debt is treated like bankruptcy but only up to the point of solvency (in your case, $ 48,932 is tax free). What that means is that you never have to pay taxes on it forever and ever,...

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Question: What Can Child Support Be Used on?

Question by Be Productive, Not Destructive: What can child support be used on? My girlfriend and I split up because of my aggressive attitude towards her and the kids. She has 2 kids of her own and we have 1 together. I am new to fatherhood and so there is a lot of stress on me for trying to be a father to these kids. I’ve done my best after almost 2 years but I’ve become very angry and emotionally abusive to everyone in the house. I turned to video games as an outlet to relieve stress but every time I get interrupted by the kids or her I snap at them. I even hit my 1 year old really hard. That’s what made her leave, she couldn’t take it anymore and me hitting our child pushed her over the edge. I realize I have a problem and so I’ve self enrolled in a 12 week anger management program and couples counseling to help myself before I become a lost cause and I lose the ones that I love forever. I live in California and I have a steady job. She is a full time student, but she receives some...

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Does Anyone Received a Call From This Number? 18774229926?

Question by : does anyone received a call from this number? 18774229926? i just received a phone call from this exact number and they said they were private investigators for bank of america located in orange county. They have a case number for me. I spoke with this lady named Ms. Jimenez and she is making me pay $ 888.00 by thursday and if not, i have to go down orange county court and she said from there they will make me pay the amount said. and if not i guess she’s saying i go to jail! So i called bank of america (my account with them was closed a year ago), the rep said they’re not affiliated with any debt collecting agency because they have their own recovery management department. and the rep said, this 877 number could be a third party s**t. The rep asked me for the debt collector’s agency name.. so i called the 877 number again and this mean f*** was yelling at me over the phone saying they are the US Civil Rights! So i went to a website called westopdebtcollectors.com, had an online chat with a representative, and she said she’s unable to...

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Culinary Arts and Retaurant Management Degrees

fscj.edu The restaurant and hospitality fields are consistently among the hottest, fastest-growing industries, especially in Florida. Whether you want to be a pastry chef, banquet manager or cruise director, Florida State College can help you can make it happen in less time and for less money than youd think. Earn a technical certificate in food and beverage management and be ready to work as a caterer in just a few short months. Choose from four different associate degree programs that can catapult you into culinary, hospitality or restaurant management in as little as two years. You can also count on gaining a competitive edge through our model internship program that provides you with hands-on experience at major restaurants, resorts and hotels. Best of all, getting ahead doesnt mean going into debt. At Florida State College, youll spend thousands less than you would at other local state colleges, universities or technology schools. Video Rating: 0 / 5

What Is the Biggest Mistake You Can Make When Getting Out of Debt?

Question by jafarrell05: What is the biggest mistake you can make when getting out of debt? Best answer: Answer by G 72 – has a pink face! xDGetting yourself back into debt…. Give your answer to this question below!

I Am Getting Emergency Notice From Debt Settlement Program! HELP!?

Question by : I am getting emergency notice from debt settlement program! HELP!? I have two credit cards which I had to max out due to some life expenses that I had to make. As a result I am $ 25,000 in debt. I am now paying off the debt every month. I have never been late with a payment and I have always put down the minimum payment. However, today I have gotten two emergency urgent notices asking me to call a 800 number for debt mediation. On one notice it says , ” A credit card debt mediation program is available to you and call the 800 number to activate” The other notice is an “URGENT DEBT SETTLEMENT NOTICE” …asking me to call them within 10 days and that says : ” Our records indicate that you have not responded to our previous attempts to notify you of your eligibility. It is important that you contact us toll-free within 10 days of receiving this notice. We have successfully settled accounts with the following creditors:… You may qualify for a reduction of your consumer debt. Revolving consumer debt and credit card payments make you a candidate for this debt...

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For Supporters of Obamacare, What Government Run Program Is a Shining Example of Cost Reduction and Efficiency?

Question by Nacho: For supporters of Obamacare, what government run program is a shining example of cost reduction and efficiency? Medicare / medicaid is going broke. Social Security is going broke. NASA is out of money. The US Post office is billions in Debt and considering eliminating Saturday service. What government program is managed effectively and does not suffer from abuse? Beardog- So we have a new space shuttle? We aren’t wanting Russia to give us rides to the Space station? Wake-up! Nostrodomus- The FAA is reactive, not proactive. Court systems aren’t over loaded with cases not heard for literally years? police and fire dept’s budgets aren’t threatened by cost cuts? Come on! Best answer: Answer by krw_33ANYTHING THE GOVERNMENT DO IT DONT WORK What do you think? Answer below!

What Happens at a Trial for Credit Card?

Question by reallyfedup: What happens at a trial for credit card? I have been sued by the original creditor on a credit card 2 months before the sol ran out. I answered the summons and now there is a trial set for july. I know I owe the debt and had to answer the questions honestly that were sent as I couldn’t deny then being that it is the orginal debtor and it’s purgery to lie on the notarized papers. anway I’ve explained to the plantiff (this particular law firm is very aggressive and this card never offered any type of settlement, always demanded the full amount. I cannot pay anything as I make about 800 a month and 3 checks go to rent and then other for food and utilities. I cant even afford to run my ac and I live in texas where it’s 100 degrees everyday. I am barely holding on at work because of stress and borderline personality issues. I had to attend mandortory counseling in order to keep my job and i’m having some serious issues again and the boss was suggesting I go back to counseling which would be at my expense so it’s...

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Can I Sue Capital One for Garnishing My Wages?

Question by Omni Chaotic: Can I sue Capital One for Garnishing my wages? http://www.ssa.gov/deposit/DDFAQ898.htm http://www.socialsecurity.gov/OP_Home/ssact/title02/0207.htm Section 207 of the Social Security Act (42 U.S.C. 407) protects Social Security benefits from assignment, levy, or garnishment. However, the law provides five exceptions: * Section 459 of the Act (42 U.S.C. 659) allows Social Security benefits to be garnished to enforce child support and/or alimony obligations; * Section 6334 (c) of the Internal Revenue Code (26 U.S.C. 6334 (c)) allows benefits to be levied to collect unpaid Federal taxes; * Section 3402 (P) of the Internal Revenue Code allows beneficiaries to elect to have a percentage of their benefits withheld and paid to the Internal Revenue Service to satisfy their Federal income tax liability for the current year; * The Debt Collection Act of 1996 (Public Law 104-134) allows benefits to be withheld and paid to another Federal agency to pay a non-tax debt the beneficiary owes to that agency: and * The Tax Payer Relief Act of 1997 (Public Law 105-34) authorizes the Internal Revenue Service to collect overdue federal tax debts of beneficiaries by levying up to 15 percent of each monthly payment until the debt is paid. The Social Security...

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CNN/YouTube Debates: National Debt Management

Jay Weitz is a well informed and well spoken gentleman, a respected resident and registered voter of Palm Beach County, Florida asks a poingnant question of the Republican Candidates about America’s National debt. Video Rating: 0 / 5

Contract to Purchase Business ?

Question by crazysweetguy: Contract to purchase business ? I bought into a business in which there were debts owed and there was another business partner I was not told about. The contract stated that it was free of all debts and incumbrances and that I own 100% of the business. There were state taxes owed which were around $ 1,000, a loan of over $ 10,000 that was untold, and the other business partner calls me up within a few weeks to tell me that he was kicked out illegally and I was given documentation of where his name was taken off the business illegally at the secretary of state’s office. That guy’s lawyer sent the guy that sold me the business a letter with the lawsuit wanting a settlement. This may have caused him to sell it to me. I ended up with a business partner that I did not know about as a result. Also the contract that I signed with the guy that sold me the business had a non-compete clause but had a stipulation stating that he had to be hired at an agreed upon rate. He told me that if I did not pay him...

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I Live in Arkansas. How Do I Rescue My Electronic Paycheck From a BANK Garnishment?

Question by dolfnmoonsm: I live in Arkansas. How do I rescue my electronic paycheck from a BANK garnishment? My accounts were seized Monday morning because of a credit card debt I willfully agreed to settle on and have been voluntarily paying on since last Sept. The law firm who had this done, still gained a “no contest” summary sentencing on my debt, garnishing, not my wages, but my bank account. I pointed out to the paralegal at the firm that my company ONLY pays electronically and that my sole source of income would be deposited Thurs early AM and that I cannot stop it at this point. The law firm has repeatedly insisted in the last 24 hours this happened that they still have no right to my paycheck under the sentencing, and I have repeatedly explained to them that my company ONLY PAYS ELECTRONICALLY and that Bank of America WILL NOT RELEASE ANY FUNDS posted to my account until the garnishment is lifted. The law firm said they DO NOT release garnishment for 22 days, despite the fact we agreed on a settlement and arrangements. I again explained, but you will BE TAKING MY PAYCHECK; the paralegal insisted they...

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