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Debt Consolidation and Personal Finances: Learn the Truth!
An inability to manage credit, growing debt and bankruptcy are all major problems today. On an average day, over 8,000 people file bankruptcy in the United States alone. The Internet is rife with companies that promise help and salvation; to the uninitiated, their words and assurances prey upon those wanting a painless solution.
The January post-holiday credit card bills are often the proverbial straw that breaks the camel's back, where families now have to face the problem of how to pay for the holiday gifts and celebrations without sliding further into debt.
Avoiding these problems, and recovering from overwhelming debt, are what Real Life Debt.com is all about: it's a resource site that's dedicated to helping you learn about your options with credit card debt, debit cards, debt management, debt counseling, privacy, deciding about bankruptcy (and the different types of bankruptcy), and more.
Founder Dave Taylor explains "As a private, independent initiative, we're sure that you'll find Real Life Debt.com to be an excellent resource for understanding and managing your own financial issues. To ensure accuracy, the materials on this site are all from the United States government: one goal of Real-Life-Debt.com is to help people find the excellent material produced by the Federal Trade Commission, Federal Reserve, Consumer Information Center, and similar organizations."
In addition, Real Life Debt also features a weblog (a "blog") with postings from different individuals who share their own challenges managing their personal finances, including bankruptcy, credit card penalties, and much more.
Real Life Debt is an unbiased source of credit card, debt management, privacy and bankruptcy information, without commercial sponsors or a sales pitch. To ensure accuracy, much of the material is from U.S. government sites.
Dave Taylor has been involved with the Internet since 1980. He's written sixteen technical and business books including the best-selling "Creating Cool Web Sites", and his most recent projects are startup 101 info and Ask Dave Taylor.
MORE RESOURCES:
 Card Trak | Obama Credit Card Debt Relief Program – New Act to Help Lower Debt Load Subprime Blogger (blog) The Obama credit card debt relief program was designed to help all Americans alleviate their credit card issues. The new Credit CARD Act that was signed ... Credit Card Debt Relief: 3 Simple Steps Credit Card Debt Relief Self-Help Tips Offered by Total Debt Relief ConsumerDebt and New Federal Credit Card Act (CARD) to be Topic of March 9 ... |
 BigNews.biz (press release) | Handling Debt Relief On Your Own BigNews.biz (press release) Not all debt relief companies are honorable in their intentions. Tackling the mountain alone obviously reduces the risk of being a victim of fraud and saves ... DEBT RELIEF- A WAY TO HANDLE DEBTS WITHOUT FILING FOR BANKRUPTCY Bad Credit Debt Consolidation – High Interest Debt Relief Starting Today Low Rate Credit Card Debt Consolidation Loans - How To Choose The Best Debt ... |
 Reuters | HAITI: US Acts Quickly on Debt Relief Ahead of Preval Visit Inter Press Service "I have long been a proponent of debt relief for low-income countries to enable them to focus on providing health care, education, and other vital services ... Senate supports Haiti debt relief |
 MiamiHerald.com | Highlights of Senate bill extending tax breaks, jobless aid Gaea Times (blog) It meets and exceeds all government regulations on sexiness. amortgagedebt Government Credit Card Debt Relief Program CARD Act Offers New Rules and ... State capitol report: House Dems push on for reform |
Debt Relief (Developing Countries) Bill Committee DeHavilland (press release) (subscription) The Debt Relief (Developing Countries) Bill Committee has met to consider the provision of the legislation. The Chair: Good morning everybody. ... |
 Los Angeles Times | Justices to Hear Funeral Protest, Vaccine Cases Courthouse News Service (CN) - Bankruptcy attorneys must identify themselves as "debt relief agencies" and can't advise consumers to rack up more debt before filing for bankruptcy, ... Supreme Court Rules on Bankruptcy Advice, Takes Funeral Protest Case Legal Briefing: Are Hateful Funeral Protests Protected Speech? |
Gov: Debt relief needs regulation The Detroit News Credit unions, banks and regulated debt management companies can help consumers with debt relief, she said, while unregulated settlement programs can be ... Warning For Debt Relief |
Obama Refinance Plan – Need Mortgage and Home Debt Relief Today? Subprime Blogger (blog) Many American homeowners are in need of mortgage and home debt relief. The Obama refinance plan was created to help all Americans gain access to lower ... |
 CNBC | High Court Finds Lawyers and Their Advice Covered by Bankruptcy Reform Law The American Lawyer Consumer bankruptcy lawyers are "debt relief agencies" under a 2005 federal bankruptcy law and restrictions on the type of advice they can give clients are ... Justices reject First Amendment challenges to bankruptcy law MILAVETZ, GALLOP & MILAVETZ, P. A. v. U.S. Silenced! High Court Upholds Ban on Type of Legal Advice |
Obama Credit Card Debt Relief Plan – Get Out of Debt in March 2010 Subprime Blogger (blog) The Obama credit card debt relief plan was designed to help Americans get out of debt as soon as possible. If you are looking to take the necessary steps to ... Why Debt Relief Can Help You and the Importance of Identifying a Professional ... Best Credit Card Debt Relief Programs: How to Get Started Free Credit Card Debt Consolidation Programs For The Best Credit Card Debt ... |
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Bankruptcy 101
Bankruptcy still remains a mystery in the eyes of many consumers. This article will review the facts of bankruptcy as per written law.
Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?
Do You Need to Join a CCCS - Consumer Credit Counseling Service?Are you in a "debt hell"? If you are unsure, ask yourself these questions:Do you have bill collectors calling you and home and at work, leaving annoying messages?Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you?When the phone rings, do you get butterflies in your stomach?If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end?Do you go for days on end without checking the mail because there are only bills there?When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it?Are you paying one credit card company's bill with another credit card?Are your credit cards riddled with over the credit limit and late fees?Do you only receive high interest credit card offers?Have you applied for credit cards or car loans and been told that you had been denied because of bad credit?Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed?Does filing bankruptcy seem like your only way out?If you related to at least two of those items, chances are you would benefit from a consumer credit counseling service.Believe me, I know what you are going through.
4 Simple Ways to Solve Your Debt Burden
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Utah, the Nation's Bankruptcy Capital
Congress recently passed the Bankruptcy Abuse Prevention and Consumer Protection Act, designed to minimize frivolous bankruptcy filings and to require debtors to repay some of their debt. Once it takes effect in October, 2005, the law will make it harder for those with problem debt to have their debt wiped away by the courts.
How to Avoid Bankruptcy
Bankruptcy is a legal way to offer folks with high interest debt a fresh financial start in life. In case you are considering personal bankruptcy as an answer to your debt problems, you are not alone.
Budgeting and Debt Management
Debt management (specifically unsecured) is the first step to taking control of your money! Add a household budgeting plan and you've got a powerful tool for money management.Together, budgeting and debt management build financial security and independence.
Should You Invest In Savings Or Payoff Your Debts?
I have faced this financial question 8 years ago and recently I have friends asked me this same question. I think I should write it up so that it may help some of you that having the same situation.
Debt Reduction, a Necessary Endeavour
Massive debt is something many Americans face. Debt reduction is now becoming more and more of a necessity.
UK Debt When Moving Abroad
The idea of moving abroad to escape debt seems to be more of a common practice these days. People with failed businesses or swamped in debt seem to think moving abroad will give them a fresh start, free from debt and allow them to build a new life.
How to Get Triple A Credit in 25 Days
Good credit is everyone's dream. A wise use of credit can go a long way.
How To Pay Credit Card Debt Off
If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate.
Yes to Less Debt
Feeling stressed by the amount of debts you have? Threeyears ago Michelle was struggling on a nurse's salary. Shehad run up huge debts with a number of courtjudgments against her name.
Questions to Ask a Credit Counseling Service about Debt Relief
Debt relief is a topic on a lot of consumers' minds these days, and with good reason. American credit card debt in 2001 was $692 billion, triple the amount from 1989.
What Is A Chapter 13 Bankruptcy?
Many consumers that are bogged down in debt frequently turn to bankruptcy as a form of restoring their financial status back to a zero balance. Unfortunately many of these same consumers are confused when it comes to the difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy.
How to Choose a Debt Settlement Company
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Debt Elimination
If you're reading this article right now I'm sure that you are looking for a debt elimination system that will help you get out from under you personal mountain of debt. Hopefully you're not looking for the magic pill that will suddenly dissolve your debt problem.
Fast Track Out of Debt
You go to the mail box and scan - a couple fliers (nah), your magazine subscription (yes!) and bills (groan). Every month the bills show up and as you sigh and take out your check book you wonder if you will ever be free.
Is Independence Overrated?
Happy Independence Day from The Money Motivator!If you don't celebrate "The 4th of July" like we do in the United States, today still presents you with an awesome opportunity to examine your independence.Independence means the quality or state of being dependent.
Bankruptcy Reform
There are some new bankruptcy laws going into effect before long and many think they are much needed. Of course, that depends on which side of the bankruptcy you are a part of.
Slowing Spending - The Key To Your Debt Plans Success
Anyone who embarks on a debt reduction program should know the rules for success. There aretwo.
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