Bankruptcy and Debt Carnival #19- Now LIVE online!

Welcome To The 19th Bankruptcy & Debt Carnival!

Jan. 12th, 2009

*Posts presented according to subject*

Debt

Michael Geoffrey presents 5 Simple Steps To Making Your “Get Out Of Debt” Resolution Stick – Part 3 posted at Debt Smackdown.

Debt Freedom Fighter presents Achieve Debt Elimination in Five Simple Steps posted at Discover Debt Freedom!.

Steve Faber presents - The Right Debt Management Solution – How It Can Help You Succeed Financially posted at DebtBlog.

Sam presents NEW !! Free Home Foreclosure Help.. posted at Surfer Sam and Friends, saying, “New !! Free Home Foreclosure Help You Have Options and Rights When you purchased your home in happier times, you borrowed money to make home ownership possible. You signed a mortgage or a deed of trust, that gave the lender the right to foreclose on your house if you fail to make the monthly payments. Now you find that you are not able to make the monthly repayments of the borrowed money. The threat of foreclosure doesn’t necessarily mean that you are going to lose your home. If you are facing foreclosure, you have options to use and legal rights to protect you. [free home foreclosure help] Help with Home Foreclosure As a homeowner who faces foreclosure, here’s what can you do. 1. If you face home foreclosure, negotiate. If you want to keep your house, contact your lender right away. Your best strategy is to negotiate a workout with the lender. Contact the lender as soon as you know you cannot make the monthly payment. Explain the circumstance you face, whether it is a lost job, prolonged illness or other hardship. Outline your plan to make up missed payments at the end of your mortgage, or over a specified period of time. Then decide when you will be able to resume making regular mortgage payments. You can negotiate with the bank for temporary relief from making your monthly payments. You can also ask for a reduction in your loan balance. Your bank or mortgage lender doesn’t really want to foreclose on you at this time. Consider the point of view of a bank. Iit doesn’t want to repossess your property and take ownership of it. Because of falling real estate prices, the bank expects that the selling price of your home will be less than the balance owed on the mortgage. Thus the bank faces a loss if it foreclosures on the mortgage. Also, the bank does not want to manage and maintain the real estate, and offer it for sale at a later date. The uncertainty of the real estate market makes the bank willing to work with you to keep you in the home. 2. For free help with a home foreclosure, consult a free housing counselor.”

Jim presents IRS Leniency Program posted at Blueprint for Financial Prosperity.

Saver Queen presents This year, resolve to forgive posted at Saver Queen.

Loans

Silicon Valley Blogger presents Lending Club Review: A Leading Peer To Peer Lending Network posted at The Digerati Life.

Personal Finance

Mr Credit Card presents Using Credit to Leverage Your Debt – Does It Make Sense To You? posted at Ask Mr Credit Card.

Shaun Connell presents How to Write a Financial Plan posted at Financial Planning, saying, “Personal finance is essential, but without a coherent financial plan to unite all of the tips and strategies, your chances of success are minimal. Learn how to write your own financial plan!”

kathryn presents Should You Trust Your Broker posted at Out of Debt Christian, saying, “Financial times are scary and the thought that your broker might not have your best interest in mind can push you right off the deep end. No matter what you think about the person on the other side of that desk you should always get informed yourself.”

Lauren Rose presents Secrets of Keeping to the Family Budget posted at No Debt Anymore .org, saying, “Making your money work for you is the ultimate goal of any budget. Financial problems usually arise due to lack of proper budgeting skills, or failure to keep to the proposed budget.”

MoneyNing presents Do You Switch “Frugal Mode” On When You Come Back from Vacation? posted at Money Ning, saying, “Lots of people seem to agree that they act different during vacation. What about you?”

Maya Richard presents 5 Ways to Get More Done Online posted at High Speed Internet.

David presents Budgeting vs. Allocating Funds: There’s A Difference posted at Personal Finance Ology, saying, “The difference between budgeting and allocating your money is not a trivial one, but is often overlooked. It is prudent to both budget and allocate your discretionary funds so that you can stretch you dollars further!”

Chris presents Get through recession with household survival tips posted at Home I Own, saying, “Become financially stronger to beat the recession”

Dave presents Peter Schiff Says Stop Buying Stuff posted at Cheapo Groovo.

MoneyNing presents 5 Surefire Ways to Stop Thinking Your Paycheck is Never Enough posted at Money Ning, saying, “Why can so many families live below $50,000 a year while others earning 4 times in the same country still feel poor? If you are wondering the answer to this question yourself, or if you feel like the paycheck is never enough, here are 5 suggestions for you.”

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