Check
21 - Check Clearing for the 21 Century Act. This
act effectively eliminates "float time" and allows for
"substitute checks" to be drawn on your account.
Savings
Calculator - This calculator will show you costs and savings of
compromising current habits, or giving them up altogether.
Payoff
Calculator - This calculator will illustrate the benefits of paying
off existing debt versus investing your money elsewhere.
Bankruptcy
- Covers chapter 7 and chapter 13 bankruptcy.
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Bankruptcy
- What is chapter 7 and chapter 13 bankruptcy? Article highlights the
differences between the two.
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Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
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Debt
Consolidation Vs Bankruptcy - File bankruptcy? Chapter 7?
Chapter 13? Article offers a comparison between filing and debt
consolidation and
advantages and disadvantages of each.
-
Bankruptcy
Terms - Glossary of terms related to bankruptcy.
-
Chapter
11 Bankruptcy - This chapter of the Bankruptcy Code provides, in
general, for reorganization of corporations or partnership. (A chapter 11
debtor usually proposes a plan of reorganization to keep its business
alive and pay creditors over time. People in business or individuals can
also seek relief in chapter 11.)
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Chapter
12 Bankruptcy - For farmers, fishermen and family owned businesses.
Calculators
- Offers a variety of calculators to help compute
the cost of everyday life.
-
Debt
Calculator -
Use your credit card to make everyday purchases? Don't forget the
additional costs of buying now and paying for it later. If you don't
pay your credit card in full all those purchases could end up costing
you a whole lot more.
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Mortgage
Calculator -
This calculator will show you how much you can save by making
bi-weekly payments and how much sooner your mortgage will be paid off.
-
Payoff
Calculator -
This calculator will illustrate the benefits of paying off existing
debt versus investing your money elsewhere.
-
Savings
Calculator -
This calculator will show you costs and savings of compromising
current habits, or giving them up altogether.
Check
21 - Check Clearing for the 21 Century Act. This
act effectively eliminates "float time" and allows for
"substitute checks" to be drawn on your account.
Credit
Acts - Articles on fair debt collection, equal
credit, credit billing, credit reporting and more.
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Debt
Collection Act -
This act explains in layman's terms what a 3rd party collector may and
may not do when attempting to collect on a past due debt.
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Equal
Credit Opportunity -
We're all equal in the eyes of the law. This act covers what factors
credit grantors may and may not take into account when extending
credit.
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Credit
Billing Act -
The credit billing act covers your rights as a consumer when dealing
with errors on your statement and your rights to dispute them.
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Credit
Reporting Act -
This act covers how credit reporting agencies, ie. credit bureaus like
Experian, Trans Union and Equafax, may collect and disseminate credit
related information.
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Credit
Repair -
Got some dings on your credit report? Things you can and cannot do.
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Credit
Bureau - List contact information for the 3 major bureaus:
Equifax, Experian and Trans Union.
Credit
Card Blocking
- What is credit card blocking and how you can
minimize its impact.
Credit
Cards - Offers the latest statistics on credit
card debt.
Credit
Card Rate Hikes - Want to know why your
rate went up? Just read your contract.
Credit
Card Travel
- Offers tip when traveling overseas.
Credit
Report - Covers what a credit report is, how
this information is used and why.
Credit
Card - Secured & Unsecured - Information covering the differences
between secured credit cards and unsecured credit cards.
Consolidate
Debt - Different ways to reduce your
monthly obligations.
Debit
Cards - Offers info on liabilities of debit
cards, credit cards and ATM cards when the are lost or stolen.
Debt
Settlement Vs Debt Consolidation - Which is best for you? Highlights
the differences between consolidating bills and debt settlement /
negotiation.
Divorce
- Your heart has now been broken, don't let it break your bank. Divorce
and finances.
FACTA
- Fair And Accurate
Credit Transaction Act. New law enacted by congress allowing consumers to
obtain a free copy of their credit report from all 3 major credit bureaus.
Fico
Score
- Covers what fico scoring is and how it impacts you.
Identity
Theft - Important information on how to prevent
ID theft and steps to take if you've been victimized.
Improving
Your Credit - There are many ways to repair your credit worthiness
beginning by making your payments on time. The following article covers
some of the ways you can repair your credit.
Money
Saving Tips - How many ways can you save money?
The sky's the limit.
Mortgage
Center
- Offers a variety of mortgage related articles.
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Mortgage
Refinancing
- Are you a candidate? Who should and who
shouldn't consider...
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Mortgage
Tips - Offers general info when shopping for a mortgage.
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Debt
Consolidation Loan
- Borrowing against your home? Article covers pros
and cons.
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Mortgage
Glossary - Terms related to the mortgage industry.
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Reverse
Mortgage - Home paid off? This loan allows you to borrow the equity
out of your home without having to pay it back.
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Foreclosure
- Tips for dealing with lenders and creditors when facing forclosure.
Old Debt
- Don't let old debt come back an haunt
you. Covers debt collection scams and statute of limitations for old
debt.
Payday
Loan
- Payday loans are small short-term loans usually a week or two made
on post-dated checks.
Skimming
- Skimming uses technology to capture information such as personal
account numbers, drivers license, and credit card numbers.
Slash
n Burn Savings
- What if you needed and extra $10,000? What kind
of "motivation" would you need to accomplish this goal?
This article offers money saving tips for the
"motivated"
Statute
of Limitations - Covers state by state how long
debt is legally owed.
Student
Loans - One of the most valuable investment, and most expensive with
be your education. Considerations one should take into account when
shopping for a student loan and the best way to pay them off.
