Finding a Bankrutcy Alternative

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At this time our economy is not doing all that well and many people are suffering the backlash of some poor tactics that were used in the mortgage industry. These actions have put some people in the unenviable position of having to file bankruptcy or to seek a bankruptcy alternative. If at all possible, you want to avoid a bankruptcy, because it can stay on your credit report for up to ten years.

If you are at the point where you are looking for a bankruptcy alternative, it is in your best interest to consider professional help. Your best options are credit counseling or debt settlement. Neither of these are loans and they will help you pay off your debt. In most situations, with the help of these agencies your collection calls will stop.

Credit Counseling-this is a reorganization of your unsecured debts. You will make one monthly payment each month to your credit counselor and they will disburse it to your creditors. They will deal with your creditors. Your interest rates will be reduced, normally to less than 10% and may be eliminated completely. You will no longer be accessed late fees or over limit fees. Credit counseling will require about 2% of your balances as a monthly payment. If your payments are more than a few months behind, this debt relief option is probably not best for you. Debt counseling can have you debt free in less than 5 years with minimal impact to your credit rating.

Debt Settlement-this is a reduction of your unsecured debts. Your debt settlement counselor negotiates with your creditors to have the total balances on your accounts reduced. You will make monthly payments to the debt settlement company and in most cases that money will go into an account and will be paid out to the creditor when there is enough to pay the settled upon amount. This will be repeated until all your creditors have been paid. This debt relief option will not be kind to your credit, but it will not be as bad as a bankruptcy. This option will have you debt free in 12-39 months in most cases.

Anytime there is debt, the sooner you make a decision to pay it off and move forward, the sooner you can start rebuilding your credit and get on with living a debt free life.

Tags: bankruptcy alternative, credit counseling, debt settlement, christian credit counseling, consumer credit counseling

Lists for Increased Profits

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Marketing is a huge part of running a successful business. You can have the greatest business in the world and if you do not get your name known that great business may be keep its head above water, but it will not be the best it can be.

Guaranteed telemarketing leads and lists can get you started or give your business the boost that is needs. This is nothing better for a business than a targeted list. A list of people looking for what you are offering is your best chance of selling your products and services.

But where do you get such a list. A list that contains the names of people looking for what you are selling can be found at guaranteedlists.com. This company guarantees their lists. If your list fails to deliver, they will replace your unsuccessful list with new information at no cost.

They guarantee the lowest prices available. They offer a free no obligation quote on their services. Guaranteed lists are as close as a phone call or a mouse click. In many businesses, the owners swear by their lists. These people often bring repeat business without much effort. If you don’t have a list you should make that part of your promotional program.

Guaranteedlists.com boasts the largest business database available anywhere, with information on more than 13 million US companies and 57 million companies worldwide, ranging from large public corporations to small privately owned firms. With over 280 million consumers available from Guaranteed Lists, it’s easy to find your perfect consumer mailing lists. You can use a wide variety of criteria for selecting your lists. It can be based on such things as age, location or income, just to name a few.

If you don’t have a list, you could be missing out on a lot of income, check out guaranteedlists.com and see how they can help you increase your sales.

Learning about Roth IRAs

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My next site is going to be about a Roth IRA. I have written about Roth IRA contribution limits and definition of a Roth IRA. I feel this niche has a lot to offer, but it is not easy to write about if you are not interested in finance. I am curious to see how things go with this one. There seems to be a lot of information on this topic.