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Dave Ramsey - Take Control Of Your Life And Money

Dave Ramsey - Take Control Of Your Life And Money | Credit Terms | Scoop.it
New York Times best-selling author and radio host Dave Ramsey is America's trusted voice on money. Learn how to budget, beat debt, and build a legacy with Dave's proven plan.
Seth Ward's insight:

Financial debt is getting to be a bigger and bigger problem all across the world. There are many websites, and companies, just like this one, that you can get good advice. Debt is a problem in almost everyones life. A few Counseling services are, National Debt Relief, Curadebt,and Careone.

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If You are a Victim of Identity Theft - Learn at Equifax

Learn the steps to take and contacts to make to restore your name if you suspect someone has used your name, social security number, or other personal information to get credit or a loan.
Seth Ward's insight:

If you suspect that your identity has been compromised, there are many important steps that you can take. One of them, like we learned in personal finance, is to keep records. It is very important to keep records of all communication. One other step is to call the cops. If there is any doubt that your identity has been compromised, it is always good to get the cops involved.

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Chapter 13 Bankruptcy

Chapter 13 Bankruptcy | Credit Terms | Scoop.it
Wipe out debt - and save your house
When you file for Chapter 13 bankruptcy, you can wipe out some of your debt and pay off the rest over time with a replayment plan approved by the bankruptcy court. You may be abl
Seth Ward's insight:

Bankruptcy laws help people who can no longer pay their creditors get a fresh start – by liquidating assets to pay their debts or by creating a repayment plan. Bankruptcy laws also protect troubled businesses and provide for orderly distributions to business creditors through reorganization or liquidation. This is a paragraph from one of the websites. I think bankruptcy isn't such a bad thing, it kind of gives people a way out.

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Beware of the Warning Signs of Too Much Debt

Beware of the Warning Signs of Too Much Debt | Credit Terms | Scoop.it
Do you have debt that is bogging you down and keeping you from reaching your financial goals? Using credit and debt can be a powerful tool that allows you to buy a home, a vehicle, send children to college, and even provide leverage for other purchases, but when you accumulate too much debt, it can pose a serious problem.
Seth Ward's insight:

Sometimes gain a lot we have to give a little, like getting a credit card. we can go a little into debt with schooling or starting our own business, then we can make our money back, plus more.

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Financial Counseling: Getting out of Debt

Financial Counseling: Getting out of Debt | Credit Terms | Scoop.it
How to truly become debt free. The process of financial counseling to obtain your goals and dreams in life.
Seth Ward's insight:

Financial counseling is the process of identifying and addressing financial problems. Financial counseling helps us get out or avoid debt. I wouldn't say that everybody really needs financial counseling because some people are really good at managing their money themselves, but a lot of people could really use it.

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Immediate Steps to Repair Identity Theft | Consumer Information

Immediate Steps to Repair Identity Theft | Consumer Information | Credit Terms | Scoop.it
Seth Ward's insight:

Identity thieft is actually very common, and is getting to be more and more common each day. Taking action very fast is the key to stopping it. Many credit card companies or banks will call you if there is any uncommon or unusual activity. This is a very good thing.

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Warning Signs of Debt Trouble | Apprisen

Warning Signs of Debt Trouble | Apprisen | Credit Terms | Scoop.it
If you see yourself in two or more of these warning signs, you should seek help immediately. If you think you’re having financial problems, you probably are. The sooner you take action, the easier the problems are to solve.
Seth Ward's insight:

There obviously many different signs of debt problems. Debt is a very bad thing that we should all try to avoid as best as we can. I think no matter what, going through college is going to get you into a little bit of debt. If you notice any of the things on this list happening to you, you should rethink your finances and try to fix it.

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