Is Debt Settlement For You?
By Arlene Schneider
You are drowning in debt and you no longer know what to do to manage your growing debt. Circumstances in your life have put you in a situation where you have to make a decision about your finances. You have decided that credit counseling cannot help you and you are considering bankruptcy, but would like to check into debt settlement before you make your final decision.
A debt settlement company, sometimes referred to as debt negotiation company, offers a service that will reduce the total amounts owed on your accounts. This type of debt relief is not a loan nor is it debt consolidation. It is a last resort before filing bankruptcy. You must understand that debt negotiation will be noted on your credit negatively, but anybody contemplating bankruptcy probably already has derogatory marks on their credit report. At this point, you should be looking for away out financial distress and then you can work on rebuilding your credit.
Here are some of the benefits of debt settlement:
*Your outstanding balances can be reduce by 30-50%
*No homeownership is required
*An alternative to bankruptcy
*Typically, you are out of debt in 3 years or less
*No credit check
*One convenient monthly payment
While financial settlement is probably your quickest option for paying off your balances, this credit relief option does have its drawbacks. Here are a few of the disadvantages of using a debt negotiation company:
*Can negatively impact your credit
*The IRS can consider the settled difference in the outstanding balances as income (this is not the norm)
*The lender has the right to collect on the remainder of the unpaid balances(this is not the norm)
As you can see, the benefits far outweigh the disadvantages. However, debt settlement is not for everybody. If you are still making your payments on time, but see yourself getting farther in debt, you may opt for a credit counseling program. This will help you pay off your balalnces with out as much negativity to your credit report.
If you are have at least $10,000 in debt or you are more than 3 months behind on your payments, debt settlement is a good bankruptcy alternative for your financial situation. Becoming financially stable is not easy, but it can be done. Many people have a hard time knowing where to begin, but debt settlement can give you a chance to be debt-free and enjoy a more stress free life. Get started today with a debt management plan.
If you want more information about debt settlement and managing your finances, visit http://debt-settlement-today.com.
Article Source: http://EzineArticles.com/?Is-Debt-Settlement-For-You?&id=897906
debt settlement, debt relief, debt negotiation, credit counseling, bankruptcy alternative
Saturday, December 29, 2007
Friday, December 28, 2007
Three Steps For A Debt Free Life
Three Steps For A Debt Free Life
By Glen Grant
Debt Management
This is a program many agencies and companies offer individuals with heavy debt and those having difficulty in paying back or those who have defaulted in a couple of monthly payments. A debt counselor first reviews the complete situation and tailors the repayment plan as per the individual's unique needs.
In this program, all the unsecured debt of the consumer is consolidated to incorporate one convenient payment each month, made to the company or agency, who shall then distribute it to the various creditors of the consumer. When these loans are consolidated, the interest rates are also significantly reduced hence, completing the repayment in a shorter span of time. This program generally becomes a "win-win" situation for the consumer, and is one of the recommended ways of effectively dealing with excessive consumer debt.
Debt Settlement
Many consumers are struggling with unsecured debts such as credit cards, store cards, personal loans, and medical debts. These debts are so burdensome that the consumer can no longer pay the minimum balances without sacrificing some basic necessities. In this situation many feel as though bankruptcy is their only solution. Fortunately there is an alternative.
Debt settlement is a financial hardship solution, meaning that if a person has a financial hardship from an unexpected event such as an injury, loss of job, divorce or medical issue, or he just can't keep up with his minimum payments anymore, he can qualify for a debt settlement program, wherein, an agency will negotiate with the creditors of the consumer and work out a reduction of the debt which can then be easily paid off by the consumer. Hence, avoiding bankruptcy and at the same time becoming debt free.
Credit Improvement
FICO score or credit score as it's commonly called is a very important calculation that can control whether or not an individual is eligible to receive credit, and if eligible the terms that he can receive credit under. Failure to understand the impact that this score can have on the future purchasing power and lifestyle can be disastrous. The FICO score is a numerical score that is based on a person's financial history as collected in his credit report.
There are professional agencies that can review a consumer's current financial situation and credit report to give feasible suggestions which, if incorporated, will definitely improve his FICO score, thereby giving him the chance to negotiate with his creditors for a lower interest rate or easier repayment plan.
A survey once conducted in association with Bright Credit, a Financial Services company, into the understanding of U.S. Consumers' awareness and attitudes relating to getting help with their personal debt, revealed the following facts:
· 1 out of 4 American who has 4 or more major credit cards is having difficulty paying their credit card bills.
· Over 58% have or would look for help from their financial or tax consultant while over 41% would look to the Internet and 24% would follow the advice of an independent newspaper columnist.
· Over 70% of the respondents felt that the vital or extremely important elements in making a choice were:
- The amount of fees paid to the company
- The length of the program
- The certification of counselors
- The effect on credit score
- The stopping of creditors calls
- The record from the Better Business Bureau
- And the length of time to cancel without a penalty.
The survey reveals the need for an increase in consumer awareness regarding the options open to a consumer when he is faced with extreme financial duress due to high debts. The right choice could make him debt free in just three easy steps.
Glen Grant is the President & CEO of Bright Credit, a financial services company that helps consumers get out of debt, improve their credit, & become financially free. Their team of experts has over 10 years of experience and they have helped thousands of consumers with their debts and their credit. Under Glen Grant's supervision, [http://www.brightcredit.com/about_credit_counseling_services.asp]Bright
Credit has used it's 3 core services, namely, Debt Management Program, Debt Settlement Program & Credit Improvement Program, to help many consumers resume a Debt Free Life. You can contact Bright Credit at:
Phone: (800) 699-9740
Fax: (760) 888-0442
Email info@brightcredit.com
Web: http://www.brightcredit.com
Article Source: http://EzineArticles.com/?Three-Steps-For-A-Debt-Free-Life&id=898213
By Glen Grant
Debt Management
This is a program many agencies and companies offer individuals with heavy debt and those having difficulty in paying back or those who have defaulted in a couple of monthly payments. A debt counselor first reviews the complete situation and tailors the repayment plan as per the individual's unique needs.
In this program, all the unsecured debt of the consumer is consolidated to incorporate one convenient payment each month, made to the company or agency, who shall then distribute it to the various creditors of the consumer. When these loans are consolidated, the interest rates are also significantly reduced hence, completing the repayment in a shorter span of time. This program generally becomes a "win-win" situation for the consumer, and is one of the recommended ways of effectively dealing with excessive consumer debt.
Debt Settlement
Many consumers are struggling with unsecured debts such as credit cards, store cards, personal loans, and medical debts. These debts are so burdensome that the consumer can no longer pay the minimum balances without sacrificing some basic necessities. In this situation many feel as though bankruptcy is their only solution. Fortunately there is an alternative.
Debt settlement is a financial hardship solution, meaning that if a person has a financial hardship from an unexpected event such as an injury, loss of job, divorce or medical issue, or he just can't keep up with his minimum payments anymore, he can qualify for a debt settlement program, wherein, an agency will negotiate with the creditors of the consumer and work out a reduction of the debt which can then be easily paid off by the consumer. Hence, avoiding bankruptcy and at the same time becoming debt free.
Credit Improvement
FICO score or credit score as it's commonly called is a very important calculation that can control whether or not an individual is eligible to receive credit, and if eligible the terms that he can receive credit under. Failure to understand the impact that this score can have on the future purchasing power and lifestyle can be disastrous. The FICO score is a numerical score that is based on a person's financial history as collected in his credit report.
There are professional agencies that can review a consumer's current financial situation and credit report to give feasible suggestions which, if incorporated, will definitely improve his FICO score, thereby giving him the chance to negotiate with his creditors for a lower interest rate or easier repayment plan.
A survey once conducted in association with Bright Credit, a Financial Services company, into the understanding of U.S. Consumers' awareness and attitudes relating to getting help with their personal debt, revealed the following facts:
· 1 out of 4 American who has 4 or more major credit cards is having difficulty paying their credit card bills.
· Over 58% have or would look for help from their financial or tax consultant while over 41% would look to the Internet and 24% would follow the advice of an independent newspaper columnist.
· Over 70% of the respondents felt that the vital or extremely important elements in making a choice were:
- The amount of fees paid to the company
- The length of the program
- The certification of counselors
- The effect on credit score
- The stopping of creditors calls
- The record from the Better Business Bureau
- And the length of time to cancel without a penalty.
The survey reveals the need for an increase in consumer awareness regarding the options open to a consumer when he is faced with extreme financial duress due to high debts. The right choice could make him debt free in just three easy steps.
Glen Grant is the President & CEO of Bright Credit, a financial services company that helps consumers get out of debt, improve their credit, & become financially free. Their team of experts has over 10 years of experience and they have helped thousands of consumers with their debts and their credit. Under Glen Grant's supervision, [http://www.brightcredit.com/about_credit_counseling_services.asp]Bright
Credit has used it's 3 core services, namely, Debt Management Program, Debt Settlement Program & Credit Improvement Program, to help many consumers resume a Debt Free Life. You can contact Bright Credit at:
Phone: (800) 699-9740
Fax: (760) 888-0442
Email info@brightcredit.com
Web: http://www.brightcredit.com
Article Source: http://EzineArticles.com/?Three-Steps-For-A-Debt-Free-Life&id=898213
Wednesday, December 26, 2007
Student Debts Are No Jokes, Take It Seriously!
Student Debts Are No Jokes, Take It Seriously!
By Cornie Herring
Some people treat student debt like the plague and make no special effort to pay bills right away or at all. Although student debts are rarely abolished in bankruptcy situation, it will give effect to your credit report. If you don't pay off your debts, that can haunt you the rest of your life in the form of a bad credit report. And, a bad credit report means no new car, no new home, and virtually no hope of ever borrowing money from creditors again. Hence, student debts are no jokes; you must take it seriously and get rid of it with your best efforts.
Besides, ignoring your student debts won't make the debts go away. Instead, these debts may worsen your credit score and your selected best rate credit application will get rejected or even though you manage to get a credit, your need to pay more for high interest rate and generally you won't be able to enjoy the best option. In additional, ignoring or delaying the payment could create more substantial costs in the form of interest and penalties. These costs will be added to your existing debts and keep snowballs your debts to mountain high. Don't let this happen to you, you can always correct the bad situation by facing your debt, take it serious and work out a plan to get rid of it.
You can choose to handle your debt yourself by looking for consolidation loan package at the best interest rate that meets your finance affordability. By consolidating all student debts under your selected consolidation loan, you could save some money in term of interest rate and it makes easy for you to handle one loan repayment instead of multiple debt payment.
In general, the best interest rate always goes for secured consolidation loan. You only can get a secure loan if you have assets such as your home, land or boat to pledge as collateral. Depend on the maximum market value of your collateral, you consolidation loan may be approved up to 80 to 90 percent of the value. But, don't ever borrow to the maximum limit just because you want extra money to spend. If you do that, you are generating more debt instead of reducing it. Just get a consolidation loan that enough to cover your debt. The downside of secured consolidation loan is you may loss your asset if you default your loan repayment. Hence, before you even signup with a secured consolidation loan by pledging your home or other assets as collaterals, think twice to ensure that you are afford to repay the loan.
If you think that you are not confidence enough to handle your student debts and need professional help, then a debt consolidation agency may provide a good help in proposing a consolidation loan package after understanding your financial situation. And you can follow their guide to work out of debt. Consumer credit counseling is another good approach to discover your debt free options before deciding one that best suit your financial situation. The best thing is most of credit counseling services are free of charge and you can utilize this benefit to understand your options in handling your debt issue. You will only be charged with a small fee if you decide to enroll into a debt management plan offered by the credit counseling agency.
Summary
Ignoring your student debts won't get your debt issue resolve; instead it will harm your credit report causing you to have difficulties to get credit in the future. The only way to get rid of your student debts is understand it, face it and take care of it seriously so that you can get rid of debt.
Cornie Herring is an finance author of http://www.debt-consolidation-1stop.info, an informative website that provides FREE information and guides on personal finance, debt solutions, debt management & bankruptcy alternatives. You can find useful information and resources to reduce and eliminate your debt issues at her website.
Article Source: http://EzineArticles.com/?Student-Debts-Are-No-Jokes,-Take-It-Seriously!&id=893916
By Cornie Herring
Some people treat student debt like the plague and make no special effort to pay bills right away or at all. Although student debts are rarely abolished in bankruptcy situation, it will give effect to your credit report. If you don't pay off your debts, that can haunt you the rest of your life in the form of a bad credit report. And, a bad credit report means no new car, no new home, and virtually no hope of ever borrowing money from creditors again. Hence, student debts are no jokes; you must take it seriously and get rid of it with your best efforts.
Besides, ignoring your student debts won't make the debts go away. Instead, these debts may worsen your credit score and your selected best rate credit application will get rejected or even though you manage to get a credit, your need to pay more for high interest rate and generally you won't be able to enjoy the best option. In additional, ignoring or delaying the payment could create more substantial costs in the form of interest and penalties. These costs will be added to your existing debts and keep snowballs your debts to mountain high. Don't let this happen to you, you can always correct the bad situation by facing your debt, take it serious and work out a plan to get rid of it.
You can choose to handle your debt yourself by looking for consolidation loan package at the best interest rate that meets your finance affordability. By consolidating all student debts under your selected consolidation loan, you could save some money in term of interest rate and it makes easy for you to handle one loan repayment instead of multiple debt payment.
In general, the best interest rate always goes for secured consolidation loan. You only can get a secure loan if you have assets such as your home, land or boat to pledge as collateral. Depend on the maximum market value of your collateral, you consolidation loan may be approved up to 80 to 90 percent of the value. But, don't ever borrow to the maximum limit just because you want extra money to spend. If you do that, you are generating more debt instead of reducing it. Just get a consolidation loan that enough to cover your debt. The downside of secured consolidation loan is you may loss your asset if you default your loan repayment. Hence, before you even signup with a secured consolidation loan by pledging your home or other assets as collaterals, think twice to ensure that you are afford to repay the loan.
If you think that you are not confidence enough to handle your student debts and need professional help, then a debt consolidation agency may provide a good help in proposing a consolidation loan package after understanding your financial situation. And you can follow their guide to work out of debt. Consumer credit counseling is another good approach to discover your debt free options before deciding one that best suit your financial situation. The best thing is most of credit counseling services are free of charge and you can utilize this benefit to understand your options in handling your debt issue. You will only be charged with a small fee if you decide to enroll into a debt management plan offered by the credit counseling agency.
Summary
Ignoring your student debts won't get your debt issue resolve; instead it will harm your credit report causing you to have difficulties to get credit in the future. The only way to get rid of your student debts is understand it, face it and take care of it seriously so that you can get rid of debt.
Cornie Herring is an finance author of http://www.debt-consolidation-1stop.info, an informative website that provides FREE information and guides on personal finance, debt solutions, debt management & bankruptcy alternatives. You can find useful information and resources to reduce and eliminate your debt issues at her website.
Article Source: http://EzineArticles.com/?Student-Debts-Are-No-Jokes,-Take-It-Seriously!&id=893916
Tuesday, December 25, 2007
Mortgage and Debt Relief - Do You Really Have To Pay Your Bills?
Mortgage and Debt Relief - Do You Really Have To Pay Your Bills?
By Richard Geller
Slavery was outlawed in the United States. But many people don't realize that debt slavery is alive and not so well today.
What do I mean by debt slavery? Let me give you two examples.
First, the credit card companies. They look at your FICO credit score and they raise your interest rates to 20%, 24% or 29% as the "default rate" even if you haven't defaulted.
They say you've become riskier as a borrower.
And of course, you agreed to this rate in that mess of fine print when you got their card.
If you call and ask them for a lower rate, the customer service person punches your name into their computer and says that this is the best they can do.
If you are paying at this interest rate, it will take you a number of years to pay off the credit card. And meanwhile you are working for this debt. You are a debt slave in this fashion.
Second example is your mortgage. Let's assume you are "upside down". You owe more than your house is worth. Are you really a "homeowner"? No. I say you are a HomeLOANER. Your bank owns your house. You don't own anything.
See, as a renter, I can move out. As long as I pay the rent, I can stay here. My landlord is bound by law to fix things that break and provide a general level of good repair.
But as a homeowner, you are on your own. You owe more than your house is worth so it is hard to move away. And all the repairs and all the headaches are yours alone.
I say you are a homeloaner in this case. And you are a mortgage debt slave. You are working very hard in order to pay too much to a lender. Where is your life? And you worry about where you are going to live and how you are going to pay for a medical emergency or temporary period of unemployment or disability.
So we've discussed two examples of people who are in a form of debt slavery. How do you propose freeing yourself?
First, don't run through all your savings (if you have any savings.) You must become self-sufficient. You must have savings to meet emergencies and take care of yourself and your family.
Second, start a plan to work out your debts so you are no longer a debt slave. Engage your mortgage lender in negotiations to lower your mortgage payment or approve a mortgage short sale. A mortgage short sale lets you find a buyer even though the house isn't worth what the buyer brings to the closing table. The lender gets the money even though it falls short of paying off your mortgage. And the lender releases your mortgage.
Third, begin to live within your means. If that means renting a smaller place, then so be it. What you cannot do is what so many Americans are doing. You cannot live beyond your means and expect someone else to take care of you. That is your job.
Am I advocating that you simply walk away from your house or your credit cards? No. I developed the Mortgage Relief Formula which is a home study course, a step by step guide to getting out from under. Out from under a house that you cannot afford. Out from under a crippling mortgage. Out from under crushing credit card debts. And I think you can do all this and actually improve your credit score. That's right, your FICO score can go up.
So if you think you have no options, that you are locked in to this debt slavery let me assure you that you are not. I got out from under years ago, in the last California real estate crash. I thought I was trapped but I found out I wasn't. I did a short sale, rented for awhile and then used the same bad sellers' market to my advantage and bought a gorgeous house for next to nothing down. I didn't go to the bank for a loan, either. The sellers let me pay the payments on their existing loan.
So right now, please get instant access to my acclaimed 25 page report Keep Your Home. Learn how to slash credit card debts without bankruptcy. How to get your mortgage lender to lower your mortgage payments without a new loan. How you can sell your house fast, often in nine days even when there are "no buyers." I am the developer of the Mortgage Relief Formula home study course that can get you your life back and help you start to sleep at night.
Article Sourcehttp://EzineArticles.com/?Mortgage-and-Debt-Relief---Do-You-Really-Have-To-Pay-Your-Bills?&id=887281
By Richard Geller
Slavery was outlawed in the United States. But many people don't realize that debt slavery is alive and not so well today.
What do I mean by debt slavery? Let me give you two examples.
First, the credit card companies. They look at your FICO credit score and they raise your interest rates to 20%, 24% or 29% as the "default rate" even if you haven't defaulted.
They say you've become riskier as a borrower.
And of course, you agreed to this rate in that mess of fine print when you got their card.
If you call and ask them for a lower rate, the customer service person punches your name into their computer and says that this is the best they can do.
If you are paying at this interest rate, it will take you a number of years to pay off the credit card. And meanwhile you are working for this debt. You are a debt slave in this fashion.
Second example is your mortgage. Let's assume you are "upside down". You owe more than your house is worth. Are you really a "homeowner"? No. I say you are a HomeLOANER. Your bank owns your house. You don't own anything.
See, as a renter, I can move out. As long as I pay the rent, I can stay here. My landlord is bound by law to fix things that break and provide a general level of good repair.
But as a homeowner, you are on your own. You owe more than your house is worth so it is hard to move away. And all the repairs and all the headaches are yours alone.
I say you are a homeloaner in this case. And you are a mortgage debt slave. You are working very hard in order to pay too much to a lender. Where is your life? And you worry about where you are going to live and how you are going to pay for a medical emergency or temporary period of unemployment or disability.
So we've discussed two examples of people who are in a form of debt slavery. How do you propose freeing yourself?
First, don't run through all your savings (if you have any savings.) You must become self-sufficient. You must have savings to meet emergencies and take care of yourself and your family.
Second, start a plan to work out your debts so you are no longer a debt slave. Engage your mortgage lender in negotiations to lower your mortgage payment or approve a mortgage short sale. A mortgage short sale lets you find a buyer even though the house isn't worth what the buyer brings to the closing table. The lender gets the money even though it falls short of paying off your mortgage. And the lender releases your mortgage.
Third, begin to live within your means. If that means renting a smaller place, then so be it. What you cannot do is what so many Americans are doing. You cannot live beyond your means and expect someone else to take care of you. That is your job.
Am I advocating that you simply walk away from your house or your credit cards? No. I developed the Mortgage Relief Formula which is a home study course, a step by step guide to getting out from under. Out from under a house that you cannot afford. Out from under a crippling mortgage. Out from under crushing credit card debts. And I think you can do all this and actually improve your credit score. That's right, your FICO score can go up.
So if you think you have no options, that you are locked in to this debt slavery let me assure you that you are not. I got out from under years ago, in the last California real estate crash. I thought I was trapped but I found out I wasn't. I did a short sale, rented for awhile and then used the same bad sellers' market to my advantage and bought a gorgeous house for next to nothing down. I didn't go to the bank for a loan, either. The sellers let me pay the payments on their existing loan.
So right now, please get instant access to my acclaimed 25 page report Keep Your Home. Learn how to slash credit card debts without bankruptcy. How to get your mortgage lender to lower your mortgage payments without a new loan. How you can sell your house fast, often in nine days even when there are "no buyers." I am the developer of the Mortgage Relief Formula home study course that can get you your life back and help you start to sleep at night.
Article Sourcehttp://EzineArticles.com/?Mortgage-and-Debt-Relief---Do-You-Really-Have-To-Pay-Your-Bills?&id=887281
Monday, December 24, 2007
From Debt To Wealth In 60 Seconds Flat
From Debt To Wealth In 60 Seconds Flat
By Martin Thomas
Not surprisingly, the finest moments in our lives happen alone, usually when we come to a realization or some sort of conclusion. This type of "AHA" moment is rare but when it comes, there is a subtle but permanent transformation that happens from the inside out.
Being in debt is a decision. Not a conscious one, but deep down, you know you made the choices that lead to the current circumstances. This is what my father would tell me, he was never one to shy away from pointing out the blatantly obvious.
My salad days are over and back then, being green, I did make rash choices and sometimes foolish decisions with my finances. But I don't beat myself up about it too much. When you are young and single, your priorities are different and fiscal responsibility is low on the list of things I wanted.
Being in debt is a subtle kind of mental torture. I guess it depends on how deep "in the hole" you are. When debt becomes un-manageable, it is time to re-evaluate ones methods of decision making. I realized (at some point I guess) that having power over my own finances was a lot more valuable than I gave it credit for.
It's funny, people can tell you things, that to them is great advice, but until you go through the experiences and suffer through the adversity of the choices you make, until you come to the realization yourself, you literally cannot hear the truth. Yes being in debt is a decision and not something that happens to you. It is the "sweet" alternative to being poor.
When you make the choice to get wealthy...I mean really wealthy, you change in subtle ways. Your priorities shift and your capacity to tolerate boring stuff like financial responsibility becomes stronger. Going from debt to wealth is a choice. Poverty sucks as I am sure you are aware of, but if you are in debt, you are probably worse off than if you were just poor and living within your means.
I realized something that lead to my own fiscal transformation, and you are about to learn something unusual. By going into debt, you are actually on the right track. The way to wealth IS credit. Having good credit means you are good to borrow on wealth producing assets like houses.
But going into debt to buy cars and stereo's, big screen tv's and the like, that is where you go wrong. The other type of debt that is worth going into hock for is education. If you find good instruction on how to build your income some time in the not too distant future, then this type of education is well worth the risk. Education and value assets like homes are the only things I will happily go into debt for.
My transformation happened from the inside out. It happened in less than 60 seconds. A decision was made and it was a small permanent decision. But you could say it had been brewing for the 10 years that I mis-managed my finances and suffered the stress of debt.
If you would like to discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click either link to learn HOW you will begin compounding your capital towards your first Million Dollars. [http://www.easycorporatemoney.com/ ]click here to learn about the EasyCorporateMoney.com program. [http://www.expertauthors.how-do-i-get-rich.com/Investing-%24100---You-Invest-Cheap-But-Smart.html ]Investing $100 - You Invest Cheap But Smart
Article Source: Martin Thomas
By Martin Thomas
Not surprisingly, the finest moments in our lives happen alone, usually when we come to a realization or some sort of conclusion. This type of "AHA" moment is rare but when it comes, there is a subtle but permanent transformation that happens from the inside out.
Being in debt is a decision. Not a conscious one, but deep down, you know you made the choices that lead to the current circumstances. This is what my father would tell me, he was never one to shy away from pointing out the blatantly obvious.
My salad days are over and back then, being green, I did make rash choices and sometimes foolish decisions with my finances. But I don't beat myself up about it too much. When you are young and single, your priorities are different and fiscal responsibility is low on the list of things I wanted.
Being in debt is a subtle kind of mental torture. I guess it depends on how deep "in the hole" you are. When debt becomes un-manageable, it is time to re-evaluate ones methods of decision making. I realized (at some point I guess) that having power over my own finances was a lot more valuable than I gave it credit for.
It's funny, people can tell you things, that to them is great advice, but until you go through the experiences and suffer through the adversity of the choices you make, until you come to the realization yourself, you literally cannot hear the truth. Yes being in debt is a decision and not something that happens to you. It is the "sweet" alternative to being poor.
When you make the choice to get wealthy...I mean really wealthy, you change in subtle ways. Your priorities shift and your capacity to tolerate boring stuff like financial responsibility becomes stronger. Going from debt to wealth is a choice. Poverty sucks as I am sure you are aware of, but if you are in debt, you are probably worse off than if you were just poor and living within your means.
I realized something that lead to my own fiscal transformation, and you are about to learn something unusual. By going into debt, you are actually on the right track. The way to wealth IS credit. Having good credit means you are good to borrow on wealth producing assets like houses.
But going into debt to buy cars and stereo's, big screen tv's and the like, that is where you go wrong. The other type of debt that is worth going into hock for is education. If you find good instruction on how to build your income some time in the not too distant future, then this type of education is well worth the risk. Education and value assets like homes are the only things I will happily go into debt for.
My transformation happened from the inside out. It happened in less than 60 seconds. A decision was made and it was a small permanent decision. But you could say it had been brewing for the 10 years that I mis-managed my finances and suffered the stress of debt.
If you would like to discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click either link to learn HOW you will begin compounding your capital towards your first Million Dollars. [http://www.easycorporatemoney.com/ ]click here to learn about the EasyCorporateMoney.com program. [http://www.expertauthors.how-do-i-get-rich.com/Investing-%24100---You-Invest-Cheap-But-Smart.html ]Investing $100 - You Invest Cheap But Smart
Article Source: Martin Thomas
Sunday, December 23, 2007
The Various Aspects Of Bad Debt Collection
The Various Aspects Of Bad Debt Collection
By Richard L. Miller
The growing need and aspirations of people have fueled the desire to have more and earn more. The salacious human mind sometimes goes out of their way to achieve the improbable and kiss the forehead of success. The journey of such a passionate and intriguing mind has been wonderful given the fact that it entails a sense of excitement and unpredictability. However, everything is not always right for these minds who some time cross the unwanted and unlawful boundary of reason and just.
Business is one such field of action where the people are trying to explore the numerous possibilities that it's precarious yet alluring pulp offers. While scouting for such rollicking possibility that will help him fetch some good fortune and bring him name and fame, most of these entrepreneurs often fall short of money to give the proper shape to start it in his desired way. For an enigmatic mind like that of human, it is a petite problem which was solved quite amicably.
The answer was simple. There are people with a huge fortune and money who are more than willing to offer some money from the stockpile with a promise to earn some interest for it. This led to the growth of a business which offered to provide money to any one in need for it in exchange of some interest at the time of its repayment or as per the condition of the agreement. Bad debt collection comes into the picture at this juncture of the whole story. It is a situation when the borrower becomes a defaulter and refuses or fails to repay the debt as per the agreed terms. This necessitates the lender to use tactics to reclaim the debt and these tactics that are used in the due process of collecting the debt can be classified within the bad debt collection.
The various means or what can also be called as the bad debt collection solutions. The collection has become a very intangible part of this money lending business and its use has also become quite widespread. The lack of credibility among debtors makes it impregnable for the lenders to avoid bad debt and the related aspects of it. Bad debt collection is today one of the most intrinsic part of any money lending company. Since the realization of the debt is always under threat, any company with sense would never want their money to dry away and would do anything, including strong arm tactics to realize their money.
Rich Miller is a well known author on debt collection and related fields. He has many published works to his credit and his experience with the asset management has been instrumental in his success. More of his articles and tips on debt collection can be found on his website http://www.assetmanagementhome.com West Asset Management
Article Source: Richard L. Miller
By Richard L. Miller
The growing need and aspirations of people have fueled the desire to have more and earn more. The salacious human mind sometimes goes out of their way to achieve the improbable and kiss the forehead of success. The journey of such a passionate and intriguing mind has been wonderful given the fact that it entails a sense of excitement and unpredictability. However, everything is not always right for these minds who some time cross the unwanted and unlawful boundary of reason and just.
Business is one such field of action where the people are trying to explore the numerous possibilities that it's precarious yet alluring pulp offers. While scouting for such rollicking possibility that will help him fetch some good fortune and bring him name and fame, most of these entrepreneurs often fall short of money to give the proper shape to start it in his desired way. For an enigmatic mind like that of human, it is a petite problem which was solved quite amicably.
The answer was simple. There are people with a huge fortune and money who are more than willing to offer some money from the stockpile with a promise to earn some interest for it. This led to the growth of a business which offered to provide money to any one in need for it in exchange of some interest at the time of its repayment or as per the condition of the agreement. Bad debt collection comes into the picture at this juncture of the whole story. It is a situation when the borrower becomes a defaulter and refuses or fails to repay the debt as per the agreed terms. This necessitates the lender to use tactics to reclaim the debt and these tactics that are used in the due process of collecting the debt can be classified within the bad debt collection.
The various means or what can also be called as the bad debt collection solutions. The collection has become a very intangible part of this money lending business and its use has also become quite widespread. The lack of credibility among debtors makes it impregnable for the lenders to avoid bad debt and the related aspects of it. Bad debt collection is today one of the most intrinsic part of any money lending company. Since the realization of the debt is always under threat, any company with sense would never want their money to dry away and would do anything, including strong arm tactics to realize their money.
Rich Miller is a well known author on debt collection and related fields. He has many published works to his credit and his experience with the asset management has been instrumental in his success. More of his articles and tips on debt collection can be found on his website http://www.assetmanagementhome.com West Asset Management
Article Source: Richard L. Miller
Friday, December 21, 2007
3 Steps To Destroy Your Debt
3 Steps To Destroy Your Debt
By Michael G. Harris
Many people find themselves in debt and feel like there's no way out. Tremendous amounts of it can destroy your finances, relationships, and health. So what can you do about it? Here is a proven, 3 step debt elimination system that words every time. Use this system to give yourself some relief and get your life back in order.
(1.) Stop creating new debt! If you want to get out of a hole, you have to stop digging. Yes, you need to cut up the cards to get rid of your credit card bills. What can you do instead? Use a debit card. That way, you can reduce your credit bills without running up any more balances.
(2.) Decide to live 100% on cash. After destroying your credit cards, you need to develop a cash-only spending plan. Don't be tempted by the term "easy monthly payments" again. Find small ways to reduce your daily expenses.
(3.) Pay off your existing debt. In order to determine this step, you need to list all of your bills and add them up. Next, list the balances of each bill and add them together. After that, divide each bill by your minimum monthly payment. This will give you an estimate of how many months it will take to pay it off. Find a way to reduce expenses and apply the savings to your first debt. Generally speaking, it's best to pay off the one with the smallest balance. After your first bill has been completely paid off, roll the entire amount into the second one. Keep this rolling process going until you experience the debt relief you desire.
Contrary to what you might have been taught, destroying your debt is the best investment you can make. This is the best solution that can literally turn your debt into wealth, especially if you have a mortgage.
How would you like to pay off all of your credit debt, including your mortgage, faster than you've ever thought possible? Visit http://www.debt-destroy.org to sign up for a free eCourse.
Article Source: http://EzineArticles.com/?expert=Michael_G._Harris
http://EzineArticles.com/?3-Steps-To-Destroy-Your-Debt&id=882723
By Michael G. Harris
Many people find themselves in debt and feel like there's no way out. Tremendous amounts of it can destroy your finances, relationships, and health. So what can you do about it? Here is a proven, 3 step debt elimination system that words every time. Use this system to give yourself some relief and get your life back in order.
(1.) Stop creating new debt! If you want to get out of a hole, you have to stop digging. Yes, you need to cut up the cards to get rid of your credit card bills. What can you do instead? Use a debit card. That way, you can reduce your credit bills without running up any more balances.
(2.) Decide to live 100% on cash. After destroying your credit cards, you need to develop a cash-only spending plan. Don't be tempted by the term "easy monthly payments" again. Find small ways to reduce your daily expenses.
(3.) Pay off your existing debt. In order to determine this step, you need to list all of your bills and add them up. Next, list the balances of each bill and add them together. After that, divide each bill by your minimum monthly payment. This will give you an estimate of how many months it will take to pay it off. Find a way to reduce expenses and apply the savings to your first debt. Generally speaking, it's best to pay off the one with the smallest balance. After your first bill has been completely paid off, roll the entire amount into the second one. Keep this rolling process going until you experience the debt relief you desire.
Contrary to what you might have been taught, destroying your debt is the best investment you can make. This is the best solution that can literally turn your debt into wealth, especially if you have a mortgage.
How would you like to pay off all of your credit debt, including your mortgage, faster than you've ever thought possible? Visit http://www.debt-destroy.org to sign up for a free eCourse.
Article Source: http://EzineArticles.com/?expert=Michael_G._Harris
http://EzineArticles.com/?3-Steps-To-Destroy-Your-Debt&id=882723
Monday, December 17, 2007
A Consumer's Christmas - Surviving The Festive Period Without Increasing The Debt
A Consumer's Christmas - Surviving The Festive Period Without Increasing The Debt
By Paul Mcindoe
For many people, Christmas is the time of year for eating, drinking, relaxing and spending money. The pressure to conform to the traditional consumer's Christmas can be too much for some, leading countless people into debt. Indeed, for people who are already in the red, Christmas can be the straw that breaks the camel's back and send many families on the road to ruin.
To combat debt, it's essential that sensible, practical decisions are made. And this includes at Christmas time. Rather than going all-out to buy expensive presents for the whole family, set a limit on the amount of money to spend on each other. And for the sake of one Christmas, it could even be agreed that nothing will be spent on each other, if the long-term goal is to get completely out of debt.
Of course, prudence isn't just for the festive period. To get firmly out of the red, a disciplined approach must be adhered to at all times, and there are many debt solutions available for those who are seeking help.
Bringing in an external debt management company to negotiate with all the various creditors, for example, can often be a good idea. They will usually agree a reduced, affordable amount on behalf of the debtor and will collect the one payment and distribute it among the creditors. Although some sort of fee will normally be involved here, it is a small price to pay if the desire is to ease the financial obligations in the long-term.
Then there are organisations such as Citizens Advice Bureau and the Consumer Credit Counselling Service (CCCS). The CCCS are a registered charity and subsequently don't charge for any of their services, be it immediate debt advice or broader budgeting guidance.
Another debt solution is an Individual Voluntary Agreement (IVA). This effectively involves coming to a formal arrangement with the creditors to make reduced payments towards the total debt amount, essentially meaning bankruptcy is avoided and is therefore more beneficial to all parties involved. Once a pre-determined percentage of the debt is paid-off, the debt is generally considered settled.
So, for most people Christmas is an expensive time of year at the best of times, without the added burden of an existing debt thrown into the equation. So it's imperative that a sensible attitude is taken towards spending to avoid compounding matters during the festive period. And there is numerous [http://www.moneynet.co.uk/debt-solutions/index.shtml]debt solutions available to assist in reducing debt and help debtors get back on their feet again.
Article Source:
Paul Mcindoe
By Paul Mcindoe
For many people, Christmas is the time of year for eating, drinking, relaxing and spending money. The pressure to conform to the traditional consumer's Christmas can be too much for some, leading countless people into debt. Indeed, for people who are already in the red, Christmas can be the straw that breaks the camel's back and send many families on the road to ruin.
To combat debt, it's essential that sensible, practical decisions are made. And this includes at Christmas time. Rather than going all-out to buy expensive presents for the whole family, set a limit on the amount of money to spend on each other. And for the sake of one Christmas, it could even be agreed that nothing will be spent on each other, if the long-term goal is to get completely out of debt.
Of course, prudence isn't just for the festive period. To get firmly out of the red, a disciplined approach must be adhered to at all times, and there are many debt solutions available for those who are seeking help.
Bringing in an external debt management company to negotiate with all the various creditors, for example, can often be a good idea. They will usually agree a reduced, affordable amount on behalf of the debtor and will collect the one payment and distribute it among the creditors. Although some sort of fee will normally be involved here, it is a small price to pay if the desire is to ease the financial obligations in the long-term.
Then there are organisations such as Citizens Advice Bureau and the Consumer Credit Counselling Service (CCCS). The CCCS are a registered charity and subsequently don't charge for any of their services, be it immediate debt advice or broader budgeting guidance.
Another debt solution is an Individual Voluntary Agreement (IVA). This effectively involves coming to a formal arrangement with the creditors to make reduced payments towards the total debt amount, essentially meaning bankruptcy is avoided and is therefore more beneficial to all parties involved. Once a pre-determined percentage of the debt is paid-off, the debt is generally considered settled.
So, for most people Christmas is an expensive time of year at the best of times, without the added burden of an existing debt thrown into the equation. So it's imperative that a sensible attitude is taken towards spending to avoid compounding matters during the festive period. And there is numerous [http://www.moneynet.co.uk/debt-solutions/index.shtml]debt solutions available to assist in reducing debt and help debtors get back on their feet again.
Article Source:
Paul Mcindoe
Sunday, December 16, 2007
5 Guidelines For Help With Medical Debt
5 Guidelines For Help With Medical Debt
By Manny Vetti
Medical debt is actually a bigger factor in people filing for bankruptcy then credit card debt. Don't be a statistic and file for bankruptcy if you are plagued with medical debt! Below are some guidelines which can help you pay off or deal with your medical debt instead of filling for bankruptcy.
Don't transfer medical debt to a credit card
Avoid transferring any medical debt you have to a credit card. Doing a balance transfer to a credit card is not a good decision because usually the interest you will incur will significantly raise your total balance. Moreover, usually the interest rate is lower on medical bills versus a credit card. Furthermore, if you transfer the medical debt balance to a credit card you usually will reduce your chance of getting Medicaid. Medicaid eligibility is largely determined by your gross income. Therefore, any medical debt you have lowers your gross income whereas any credit card debt you have will not lower your gross income.
Be proactive and stay on top of your bills
Second, be proactive with your medical bills. Missing payments can severely hurt your credit and can result in additional fees and interest. Therefore, the more proactive you are with your medical bills the better chance you have of preventing your credit score from declining.
Negotiate payment plans if unable to pay and/or work with credit counselors
If you are unable to make payments call the hospital or doctor's office you have medical bills and try to negotiate a payment plan that fits your budget. If you feel more comfortable, have a debt settlement or credit counseling company do this for you. These companies are experts in negotiating with creditors (hospitals, third party billing agencies, collection agencies etc) to either help you get a more reasonable payment plan and even sometimes negotiate your total medical debt to a lower balance amount. To start this process, fill out the form at the top here. Make sure you record the companies, names, numbers, and the dates of phone calls for anyone you are dealing with (whether you are negotiating directly or having a company negotiate for you).
Look to charity organizations for help
By doing a simple search online, you can probably find many non profit organizations, churches, or community organizations that might be willing to help you with your medical debt. Realize though, that most organizations usually help those individuals who are the neediest first.
Apply for Medicaid
If possible look to apply for Medicaid. Medicaid is a dual sponsored program by federal and state funding. Each state offers Medicaid and the plans vary from state to state. Try to research your state and see if you are eligible for Medicaid. Depending on your state, past medical bills may be covered or partially covered by your state Medicaid plan. Here is a link to get started: http://www.cms.hhs.gov
Find more debt relief solutions by visiting http://www.endthisdebt.com a website that specializes in providing debt help advice as well connecting individuals with debt specialists based on their individual debt situation.
If you need help with your debt and would like to get a free debt consultation please fill out the form here. [http://www.endthisdebt.com/card_debt.cfm/ ]Free Debt Consultation
Article Source: http://EzineArticles.com/?expert=Manny_Vetti http://EzineArticles.com/?5-Guidelines-For-Help-With-Medical-Debt&id=880212
By Manny Vetti
Medical debt is actually a bigger factor in people filing for bankruptcy then credit card debt. Don't be a statistic and file for bankruptcy if you are plagued with medical debt! Below are some guidelines which can help you pay off or deal with your medical debt instead of filling for bankruptcy.
Don't transfer medical debt to a credit card
Avoid transferring any medical debt you have to a credit card. Doing a balance transfer to a credit card is not a good decision because usually the interest you will incur will significantly raise your total balance. Moreover, usually the interest rate is lower on medical bills versus a credit card. Furthermore, if you transfer the medical debt balance to a credit card you usually will reduce your chance of getting Medicaid. Medicaid eligibility is largely determined by your gross income. Therefore, any medical debt you have lowers your gross income whereas any credit card debt you have will not lower your gross income.
Be proactive and stay on top of your bills
Second, be proactive with your medical bills. Missing payments can severely hurt your credit and can result in additional fees and interest. Therefore, the more proactive you are with your medical bills the better chance you have of preventing your credit score from declining.
Negotiate payment plans if unable to pay and/or work with credit counselors
If you are unable to make payments call the hospital or doctor's office you have medical bills and try to negotiate a payment plan that fits your budget. If you feel more comfortable, have a debt settlement or credit counseling company do this for you. These companies are experts in negotiating with creditors (hospitals, third party billing agencies, collection agencies etc) to either help you get a more reasonable payment plan and even sometimes negotiate your total medical debt to a lower balance amount. To start this process, fill out the form at the top here. Make sure you record the companies, names, numbers, and the dates of phone calls for anyone you are dealing with (whether you are negotiating directly or having a company negotiate for you).
Look to charity organizations for help
By doing a simple search online, you can probably find many non profit organizations, churches, or community organizations that might be willing to help you with your medical debt. Realize though, that most organizations usually help those individuals who are the neediest first.
Apply for Medicaid
If possible look to apply for Medicaid. Medicaid is a dual sponsored program by federal and state funding. Each state offers Medicaid and the plans vary from state to state. Try to research your state and see if you are eligible for Medicaid. Depending on your state, past medical bills may be covered or partially covered by your state Medicaid plan. Here is a link to get started: http://www.cms.hhs.gov
Find more debt relief solutions by visiting http://www.endthisdebt.com a website that specializes in providing debt help advice as well connecting individuals with debt specialists based on their individual debt situation.
If you need help with your debt and would like to get a free debt consultation please fill out the form here. [http://www.endthisdebt.com/card_debt.cfm/ ]Free Debt Consultation
Article Source: http://EzineArticles.com/?expert=Manny_Vetti http://EzineArticles.com/?5-Guidelines-For-Help-With-Medical-Debt&id=880212
Saturday, December 15, 2007
Looking For Information On Bad Debt Management?
Looking For Information On Bad Debt Management?
By [http://ezinearticles.com/?expert=Ras_Reed]Ras Reed
The major cause of decline in the credit score of a borrower is bad debts. This is why it is every important for a borrower to find a lasting solution to the problem of bad debts. The perfect solution is bad debt management. In order to have a good financial history, it is highly important for a borrower to maintain a good financial record.
The elimination of many debts through their amalgamation is what is known as bad debt management. The benefits derivable from this is that it helps to eliminate or reduced to the barest minimum the trouble that a borrower have to go through in settling those multiple debts. Also, he is freed from having to attend to different lenders.
If you or a loved one is grappling with multiple debts, it is highly essential for you to enlist the help of bad debt management services. But the maximum benefit can be derived when you are owing more than two lenders or lending agencies and the amount owed is substantial.
There are many bad debt management services out there that will be very much interested in helping you handle the problem of multiple debts. The agencies will require some simple and basic information from you. These include the amount owed, the bio-data of the lenders and any other information that can assist them help you out.
The work of the bad debt management service is to approach all your lenders on your behalf. They help you to renegotiate for a better interest and repayment terms. All the debts you owing are then merged into one. So, what you have to do is to make just one payment instead of the several that you are paying in the past. In addition, you will be paying a much lower interest rate than the various ones you are grappling with. This gives enough freedom for you to do other things of life rather than putting all your efforts into paying different lenders different amount of money at different rate of interest.
Bad credit borrowers can also avail themselves of bad debt management. The debts will be united and paid off. This will help them gain the chance of having a good credit record.
Bad debt management is the right way to go when you or a loved one is grappling with multiple debts, lenders and high rate of interest. The benefits to be derived far outweigh the cost of enlisting the help of an agency to help you out.
Ras Reed is the owner of [http://www.debtmanagementzone.com/sitemap.html]Debt Management Zone where he shares useful tips on dealing with debts. Get more info from his [http://www.debtmanagementzone.com/sitemap.html]Debt Management website.
Article Source: http://EzineArticles.com/?expert=Ras_Reed http://EzineArticles.com/?Looking-For-Information-On-Bad-Debt-Management?&id=880116
By [http://ezinearticles.com/?expert=Ras_Reed]Ras Reed
The major cause of decline in the credit score of a borrower is bad debts. This is why it is every important for a borrower to find a lasting solution to the problem of bad debts. The perfect solution is bad debt management. In order to have a good financial history, it is highly important for a borrower to maintain a good financial record.
The elimination of many debts through their amalgamation is what is known as bad debt management. The benefits derivable from this is that it helps to eliminate or reduced to the barest minimum the trouble that a borrower have to go through in settling those multiple debts. Also, he is freed from having to attend to different lenders.
If you or a loved one is grappling with multiple debts, it is highly essential for you to enlist the help of bad debt management services. But the maximum benefit can be derived when you are owing more than two lenders or lending agencies and the amount owed is substantial.
There are many bad debt management services out there that will be very much interested in helping you handle the problem of multiple debts. The agencies will require some simple and basic information from you. These include the amount owed, the bio-data of the lenders and any other information that can assist them help you out.
The work of the bad debt management service is to approach all your lenders on your behalf. They help you to renegotiate for a better interest and repayment terms. All the debts you owing are then merged into one. So, what you have to do is to make just one payment instead of the several that you are paying in the past. In addition, you will be paying a much lower interest rate than the various ones you are grappling with. This gives enough freedom for you to do other things of life rather than putting all your efforts into paying different lenders different amount of money at different rate of interest.
Bad credit borrowers can also avail themselves of bad debt management. The debts will be united and paid off. This will help them gain the chance of having a good credit record.
Bad debt management is the right way to go when you or a loved one is grappling with multiple debts, lenders and high rate of interest. The benefits to be derived far outweigh the cost of enlisting the help of an agency to help you out.
Ras Reed is the owner of [http://www.debtmanagementzone.com/sitemap.html]Debt Management Zone where he shares useful tips on dealing with debts. Get more info from his [http://www.debtmanagementzone.com/sitemap.html]Debt Management website.
Article Source: http://EzineArticles.com/?expert=Ras_Reed http://EzineArticles.com/?Looking-For-Information-On-Bad-Debt-Management?&id=880116
Friday, December 14, 2007
Here's What I Found About Credit Card Debt Management
Here's What I Found About Credit Card Debt Management
By Ras Reed
The introduction of the credit card system into our world has made a lot of people to go on a shopping spree without thinking about what they are doing. In other words, lots of people are prone to spending more through a credit card. The consequence of this is that it often leads to a high interest rate debt. This is why you need credit card debt management. What is the benefit to you? It helps you to manage the multiple debts you are grappling with without necessarily affecting your other expenses. Hence, it is highly advisable that you get every available information on credit card debt management that you can lay your hands on if you are presently having problem with credit card debts.
With a credit card debt management, it is quite possible for you to consolidate all your debts and also get help on how to overcome your financial problems. Budgeting is one of what you will be taught. You will be informed on how to have a plan in a place to help you in repaying the amount owed without having to go into another debt.
In addition, what credit card debt management does is that it helps you, the borrower to bring together all your present debts into one single and manageable debt. In other words, you won't have to bother yourself with lots of debts owed to different lenders and at various rate of interest. What you get afterwards is one single and flexible repayment period and at a much lower rate of interest. This help to stabilize your financial conditions as a borrower. Another attendant advantage is that harassment from multiple lenders or lending agencies is drastically reduced.
There are basically two ways you can get a credit card debt management service if you or loved one is interested in dealing with your credit card debts. There is the online method and the offline method. The former method is highly recommended. The reason, as you might have known is that it is very fast and it helps you to make a decision quickly. However, there is need to be careful while searching for agencies on the World Wide Web. Never be in a hurry. Impatience will cost you a lot both in the short and long run. It is highly advisable that you never disclose your credit card information to any agency on the World Wide Web. Your credit card information should not and never be the first information that an agency need to help you deal with a credit card debt problem. If you come across any of such agencies, you are advised to stay away from them as quickly as you can.
You should always go for a credit card debt management program that matches your situation and that will help you repay the amount owed without stress.
Get more Debt Management information from Debt Management Zone.
Article Source: http://EzineArticles.com/?expert=Ras_Reed
http://EzineArticles.com/?Heres-What-I-Found-About-Credit-Card-Debt-Management&id=881731
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