Center For Debt Management: Debt Management Program, Credit Card Debt Relief

The Center For Debt Management: Debt Management Program, Credit Card Debt Relief
Center For Debt Management: Debt Management Program, Credit Card Debt Relief


Road To Debt Freedom

A comprehensive self-help guide to debt-reduction
—by S. Todd Cook and Michael A. Kiefer



TABLE OF CONTENTS

INTRODUCTION


CHAPTER  1 IDENTIFYING A FINANCIAL PROBLEM AND UNDERSTANDING DEBT
-Managing your Finances like a Reservoir
-Recognizing a Debt Problem
-Debt: Good or Evil?
-Necessary and Discretionary spending

CHAPTER  2 BUDGETING AND COST CUTTING
-Budget Worksheet
-Budgeting: A Frame of Mind
-Keeping Your Goals in Sight
-Adjusting Your Repayment Behavior
-Cost Cutting Ideas
-Saving on Auto Insurance
-Controlling Holiday Spending

CHAPTER  3 UNDERSTANDING IMPULSE BUYING AND ADDRESSING
SPENDING HABITS
-Defeating External Influences
-Avoiding Temptation
-The Internal Struggle: Fighting the Pleasure-Pain Dilemma
-Using Debit Cards
-Taking the žImpulseÓ out of Buying
-Controlling Discretionary Spending

CHAPTER  4 CREDIT CARDS: UNDERSTANDING THE INNER WORKINGS
-Understanding Interest Rates
-The Fine Print: What to Look For
-The Fair Credit Billing Act (FCBA)
-Holding Your Own in the Credit Card Game

CHAPTER  5 EFFECTIVELY HANDLING CREDITORS AND DEBT COLLECTORS
-Guidelines to Follow When Dealing with Collectors
-Legal Steps that Collectors must take before Attaching (Garnishing)
  Wages or Bank Accounts
-Settling Debts
-The Fair Debt Collections Practices Act

CHAPTER  6 CREDIT BUREAU REPORTING
-An Overview of Credit Reporting
-Credit Scoring
-The Fair Credit Reporting Act

CHAPTER  7 UNDERSTANDING CREDIT EVALUATION AND IMPROVING
CREDIT WORTHINESS
-Weighing the Effects of Credit Information
-Improving Your Credit Score
-Establishing Better Credit

CHAPTER  8 LOANS: UNSECURED PERSONAL AND HOME EQUITY LOANS
-Unsecured Signature Loans
-Equity Loans
-Equity Loans: Jekyll or Hyde
-Understanding how Equity Loans Work

CHAPTER  9 CREDIT COUNSELING
-Understanding Credit Counseling Programs
-Frequently Asked Questions

CHAPTER  10 BANKRUPTCY: THE LAST RESORT
-The Lingering Effects of Bankruptcy
-The Process of Filing Bankruptcy
-The Most Common Forms of Bankruptcy
-Bankruptcy Comparison Chart

INDEX
Back To Article

Getting Cash Has Never Been Easier!   For Information, Go to Credit and Financing
Debt Consolidation may also be of interest when looking for ways to consolidate your debt.

Got Debt?   Settle Your Debt For Less.   Go to Debt Settlement Services

Click Below To Check Out More Financial Resources
Return to Top

The Center For Debt Management™

Helping Consumers Save Money and Reduce Debt Is Our Only Business!™

We invite you to explore the sectors listed below. We promise that you'll find exceptional values, offers and resources in which to reduce your living expenses and to enjoy life!


Debt Management and Financial Services! The Internet's oldest and most comprehensive debt management agency! Resources for debt management, consumer credit counseling, debt consolidation, debt reduction settlements, legal aid, financial aid, loans and financing, credit repair, credit reports, insurance quotes, income sources, tax assistance, and more.

Established in 1989 and serving the online community since 1992!


This site was created and designed by Daniel A. Gelinas
Disclaimer and Privacy Policy      © Copyright  2007 "The Center For Debt Management"      Contact Us
Return to Top