Bankruptcy and Debt Carnival 11- Awesome Links!

Welcome To The 11th Bankruptcy & Debt Carnival!

November 17th, 2008!

*Blogs presented according to subject*

Bankruptcy

D.J Raymond presents How Much Does a Florida Bankruptcy Filing Cost? posted at Florida Bankruptcy Lawyers, saying, “Bankruptcy is not as expensive as you migh thtink”

Credit Cards

Sam presents Applying for a Free Credit Card- Online or Offline posted at Surfer Sam and Friends, saying, “A credit card is a convenient way to purchase things on credit, and pay for them later. We live in a plastic society, and the credit card is the symbol of a consumer economy. Total U.S. credit card debt is approaching one trillion dollars, and the average household owes $8500 in credit card debt. Almost anyone over the age of 18 who has good credit can apply for a free credit card online by filling out a simple application. A few credit card companies charge you an annual fee for the convenience of having a credit card account, but most credit cards are issued free. Credit cards such as Visa, MasterCard, Discover, American Express can be used at any store that accepts the card. You simple sign the receipt, and promise to pay for the purchase. How to Pay for Credit Card Purchases After you apply for a free credit card and receive it, you can use it to pay for purchases. Once a month, you’ll receive a statement from the credit card company, showing your purchases and the amount you owe, and the date your payment is due. If you pay the amount owed in full before the payment due date, there is no interest charge or penalties applied to your account. The credit card company also allows you to make a partial payment each month on what you owe, at least the minimum payment. The next month, interest is applied to the unpaid balance of your account and added to what you owe the credit card company. Any time your payment is late, you are charged interest and a late payment fee.”

Debt Wizard presents Credit Cards- What To Look For posted at Money Help, saying, “The right credit card for you depends on your spending habits and if you are able to fully pay off your credit card each month.”

Credit Shout presents Five Ways to Help You Quickly Eliminate Credit Card Debt posted at CreditShout.

Debt

Cory Albertson presents 6 Tips for Reducing Your Debt posted at Debt Relief, saying, “Debt is not a pleasant burden, especially in the midst of a global economic slowdown. Before job security and credit concerns really start to impact your life, follow these six tips for getting debt free.”

Tom Tessin presents Repairing Credit Yourself the Easy Way posted at FSC Blog, saying, “Easy steps you can take in order to fight off your debt.”

Nickel presents Paying Off Fixed vs. Variable Interest Debt posted at fivecentnickel.com.

Debt Consolidation

imarketing4s presents How To Best Use Your Debt Consolidation Opportunities posted at Free Debt Consolidation: Qualified Financial Management.

Lauren Rose presents How to Find Free Debt Consolidation Services | No Debt Anymore .org posted at No Debt Anymore .org, saying, “Debt is a cruel and vicious cycle; and in most cases, people are overcharged for products, services, and support.”

Finance

MoneyNing presents Reduce, Reuse, Recycle and How it Helped with My Personal Finance posted at Money Ning, saying, “While I didn’t know at the time what the benefits were, I’m glad we practiced it anyway because it helped me so much!”

sherin presents Child savings and investment requirement posted at Investment Internals, saying, “Save your kid by seeing this photo”

Loans

Ernesto Maitim presents Credit Lines and Home Equity Line of Credit Rates: How They Differ from Equity Loan posted at Easy Home Equity Rates.

Khan presents Instructions for Student Loans posted at Higher Education and Career Blog.

Quimby C presents Which is More Costly – a Short Term Loan, or Late Bill Payments? posted at shorttermloanextra.com.

cfgoulart presents Loan Modifications posted at Making Money Resources, saying, “Do it yourself loan modification, with a little legwork and time on the phone, you can do it yourself instead of shelling out thousands of dollars to have someone else make phone calls for you.”

Personal Finance

Jim Presents Goodwill Adjustment Letters posted at Blueprint for Financial Prosperity.
Joe Manausa presents How To Stay Calm In The Real Estate Market posted at Tallahassee Real Estate Blog, saying, “The entire financial world appears to be a scary place right now. Many people are starting to “smell opportunity” and yet are a bit too fearful to act on their instincts. The goal of this article is to get you to consider doing some homework and creating a decision matrix so that you can start to take advantage of the opportunities when you are ready.”

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