Consumer Debt Solutions

How do I negotiate with credit card company to settle my debt for less than what I owe?

admin — Wed, 02 May 2012 21:36:54 +0000

Be prepared – You must have a legitimate reason for why you’re behind on your debts (divorce, medical emergency, job loss, etc…) The creditors may require proof, so keep all of your documentation. Call your Creditors – Call the phone number listed on your bill. Ask to speak to a supervisor who is authorized to [...]

How do I negotiate with credit card company to settle my debt for less than what I owe? - Consumer Debt Solutions - Balancing Lives and Checkbooks

How to Stop Collection Calls

admin — Mon, 19 Mar 2012 14:12:34 +0000

Consumer Debt Solutions

Stop collection calls – basic facts There are Federal Laws that regulate what collectors can do or say and basically let you know how to stop collection calls. Credit Cards are the most common unsecured debt. That is why, when you stop paying them, the credit card companies call you endlessly. They have no other [...]

How to Stop Collection Calls - Consumer Debt Solutions - Balancing Lives and Checkbooks

Buying vs Leasing a car

admin — Mon, 19 Mar 2012 13:18:19 +0000

Consumer Debt Solutions

When it comes to obtaining a new car many people have a hard time with the buying vs leasing decision. Sometimes, people make the wrong choice due to insufficient information. Advantages and Disadvantages of Buying a Car Buying a car guarantees that the car will be fully yours once you pay it off and much [...]

Buying vs Leasing a car - Consumer Debt Solutions - Balancing Lives and Checkbooks

Four steps to buying a car

admin — Mon, 19 Mar 2012 13:06:58 +0000

Consumer Debt Solutions

Most of us have bought impulsively from time to time. It’s actually difficult not to succumb to the impulse of shopping for a fix in our stressful lives. As a culture, we are constantly bombarded by the message (sometimes subliminal, sometimes overt) that we are not good enough as we are; that we will have [...]

Four steps to buying a car - Consumer Debt Solutions - Balancing Lives and Checkbooks

Oil prices go up again

admin — Fri, 02 Mar 2012 16:13:35 +0000

Consumer Debt Solutions

Oil prices go up again Unconfirmed Iranian reports of a pipeline explosion in eastern Saudi Arabia yesterday sent the price of oil up again. Market reaction to the news seemed premature when considering the source of the report. Prices settled after a Saudi oil official stated that the Iranian reports were false. [1] This is [...]

Oil prices go up again - Consumer Debt Solutions - Balancing Lives and Checkbooks

The Quick Fix to Rising Oil Prices

admin — Wed, 29 Feb 2012 16:03:50 +0000

Consumer Debt Solutions

The Quick Fix to Rising Oil Prices Yesterday, February 28, 2012, Senator Charles Schumer (D-NY) appeared on CNBC’s “Squawk Box” and briefly discussed the price of oil as being a function of the Iranian threats.[1] Curiously, Senator Schumer stated that there IS a quick fix to the problem of climbing oil prices, a statement in direct [...]

The Quick Fix to Rising Oil Prices - Consumer Debt Solutions - Balancing Lives and Checkbooks

Gas prices may climb to $5.00 per gallon!

admin — Fri, 24 Feb 2012 21:24:32 +0000

Consumer Debt Solutions

Gas prices may climb to $5.00 per gallon In an interview today on CNBC, Secretary Tim Geithner stated that there are two reasons why prices are going up at the pump. The first reason is that there is global growth taking place outside of Europe. The second reason is that Iran is doing some “saber [...]

Gas prices may climb to $5.00 per gallon! - Consumer Debt Solutions - Balancing Lives and Checkbooks

Anxiety

admin — Mon, 08 Aug 2011 13:00:14 +0000

Consumer Debt Solutions

Anxiety I recently read a statement in a book of religious philosophy that hope and fear are separated only by expectation. I found this to be interesting in its simplicity: Simple because expectations are no more than thoughts or stories that we make up. As a therapist and life coach this issue of expectation seems [...]

Anxiety - Consumer Debt Solutions - Balancing Lives and Checkbooks

How to Make a Huge Change

admin — Fri, 05 Aug 2011 15:49:05 +0000

Consumer Debt Solutions

While taking a graduate course on addictions, our professor asked us to decide on some simple change we would want to make and then to make and maintain that change for one month. We did this exercise to help build our sensitivity for those struggling to change from drug and other addictions. While this exercise [...]

How to Make a Huge Change - Consumer Debt Solutions - Balancing Lives and Checkbooks

Compulsive Spending – Impulsive Spending

admin — Wed, 29 Jun 2011 16:03:01 +0000

Consumer Debt Solutions

Compulsive Spending Compulsive spending or impulsive spending are more common than you might think. Most people believe that if they just get on a budget, their spending problems will end. With too many people, this is not so. Among my other duties, I have been working with people who have gotten into financial trouble. I [...]

Compulsive Spending – Impulsive Spending - Consumer Debt Solutions - Balancing Lives and Checkbooks