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Filing for Bankruptcy Myths and Misconceptions

admin — Tue, 22 May 2012 18:08:57 +0000

Are you feeling overwhelmed by your debts but are scared to consider bankruptcy due to the negative things you have heard? Well, it’s not as bad as you think. This short animated video addresses in plain English the most common myths that we hear from people who are contemplating filing for personal bankruptcy to deal with their debts.

Common myths include the following:

• Everyone will know (fact: generally, only your trustee and your creditors find out)
• You will lose everything (fact: most people keep all of their assets following bankruptcy)
• Your credit will be destroyed forever (fact: it’s possible to re-establish credit within 2-3 years if you follow the right steps)
• Meeting with a bankruptcy trustee is an intrusive and unpleasant process (fact: we treat everyone we meet with respect and dignity from the moment they walk in the door)

Call 310-0911 or visit us online at http://www.sands-trustee.com to arrange for a free, confidential evaluation of your options. Sands & Associates is BC’s largest firm focused exclusively on helping individuals solve their financial problems. Our offices include:

- Vancouver
- Burnaby
- Surrey
- Richmond
- Coquitlam (Tri-Cities)
- Maple Ridge
- Langley
- Abbotsford
- Chilliwack

Duration : 0:1:32

Technorati Tags: bankruptcy, Consumer Proposal, Credit Card, credit cards, debt, personal debt, trustee

Credit Counseling vs Bankruptcy

admin — Mon, 12 Dec 2011 21:24:23 +0000

http://www.MtgMinute.com In this Mortgage Minute, Credit Counseling vs Bankruptcy, I compare and discuss not well known facts about Credit Counseling and Bankruptcy that could have major consequences in your life.

In this Mortgage Minute series I will give you specific useful ideas as well as background so you can be confident in your broker while avoiding many of the headaches and problems that typically occur in a purchase or refinance transaction such as Your Credit, Credit Repair, Credit Counseling, Credit Cards, Identity Theft, Credit Theft, Bankruptcy, and Foreclosures. I’ll also share with you my own perspective on the Mortgage Industry as it exists today and how changes in the Mortgage Industry Regulations can hurt you if you’re not aware.

Duration : 0:2:32

Technorati Tags: Adverse Effect, agency, chapter 13, Chapter 7, Collection Companies, credit cards, credit repair, credit report, credit scores, creditor, creditors, Debit Card, default, Discharged, Dismissed, Documentation, Filed Bankruptcy, Fraud with a Lender, judgment, Judgments, loan, Mortgage Fraud, Outstanding Balances, Removed, Three Credit Bureaus

Debt Management : How Does Debt Consolidation Work?

admin — Thu, 13 Oct 2011 13:56:09 +0000

In a debt consolidation, all bills are combined into one payment with a lesser interest rate. Destroy credit cards that are being paid off with help from a business analyst in this free video on financial planning and debt management.

Expert: Terry Kuykendall
Bio: Terry Kuykendall is currently a budget analyst for the military in Washington. She is an accountant who has worked at firms helping people deal with personal and business debt.
Filmmaker: stephen kuykendall

Duration : 0:0:35

Technorati Tags: budgets, credit card consolidation, credit card debt, credit cards, debit help, debt, Debt Advice, debt management, Debt Relief, debt-consolidation, financial planning, money management, personal finance

Credit & Debt Consolidation : Non-profit Debt Consolidation

admin — Sun, 25 Sep 2011 23:32:04 +0000

Non-profit debt consolidators work for credit card companies. Learn about non-profit debt consolidation from a registered financial consultant (RFC) in this free personal finance video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:4

Technorati Tags: credit, credit card debt, credit cards, credit ratings, credit reporting agencies, credit scores, debt, debt-consolidation, eliminating debt, HELOC, mortgages, reducing debt

Credit Cards & Financial Planning : How to Get a Debt Consolidation Loan

admin — Tue, 13 Sep 2011 17:49:07 +0000

In order to get a debt consolidation loan, apply for a loan, get a second mortgage and get a second line of credit that can be consolidated into one bill. Get a debt consolidation loan that will lower payments with tips from a financial consultant in this free video on credit cards and personal finance.

Expert: Carrie Kukuda
Contact: www.wearehdtv.com
Bio: Carrie Kukuda has a business administration degree, and was branch manager of a community bank.
Filmmaker: Christopher Rokosz

Duration : 0:1:6

Technorati Tags: Bad Credit, credit cards, credit reports, credit scores, debts, financial advice, financial planning, loans, money, money management, personal finance, personal loans

school loan consolidation – Consolidate your student loan quick and easy!

admin — Sun, 11 Sep 2011 13:27:14 +0000

http://school-loans-consolidation.net/
If you have a knowledge about what is student loan consolidation, what different kinds of loan are available and when is good to consolidate your loan you would be in much better position to understand and appreciate the importance of student loan consolidation.

What are student loans?
These types of loans are given by the government to help the student pay their living expenses and tuition fees for their college. The interest rates for these loans are very loan and can be easily repayments can be made for these types of loans.
The student loans consolidation is the ideal solution for students who want to do their higher education for pursuing their dream career.

Different types of loans:
There are variety of student loan consolidation. You can choose different plans according to your requirements. The different types of loans are Perkins loans, Stratford loans, parent plus loans, graduate plus loans and many more.
The most popular among all the loans are Perkins loans. The loan is well suited for both undergraduates and graduates. These types of loans has the upper cap for undergraduates as $4,000 and for graduates $6,000. These types of loans have low interest rate at 5% fixed.
The next affordable loans are federal Stratford loan. They are normally taken by then lender at the rate of 6.8% and supposed to be more secured type of loan .
So, there is not shortage of loan to choose from.

Consolidation of loan as an option:
Student consolidation is great for those students who are having more than one loan at the same time. As they have a choice to combine all their loans and make it as one single loan. This consolidation could be done either by private lenders or through federal student loan.
The best outcome of consolidation of loan is that you have to handle single loan at the lower interest rate and which is much easier and less complicated to handle. The loan is ideal for the student who has busy college life and always wanted to have something extra in their plate.

Make you own choice:
Don’t be in hurry to make a choice in type of loan which is best for you as you may spoil your career. You should not hesitate to consult the professionals for advice if you are in situation where you already have the student loan and need to find out is the right time to consolidate your loan. There are enough people who are ready to guide and help you to come out of the process.
Don’t let money kill your dream:
The best thing in your life is to purse the higher education from the dream college and university. However never let your dream to let going because of the rising costs of the education. When you don’t have money and still you want to peruse your higher education then the right student loan consolidation is the best executed plan.

Duration : 0:2:7

Technorati Tags: College Loan Refinance, consolidate debts, consolidate loan, Consolidate Loans, consolidate school loan, consolidate school loans, consolidation, credit cards, debit consolidation, debt, debt-consolidation, fast student loan, finance, loan, loan refinance, loans, money, mortgage, refinance, refinance loans, secured loans

Can I keep a credit card going through bankruptcy?

admin — Mon, 15 Aug 2011 20:47:08 +0000

If you owe the creditor money you have to list it in the bankruptcy.
If you have a zero balance, then you do not have to list it going into the bankruptcy.

Duration : 0:5:48

Technorati Tags: bankruptcy, credit cards, zero balance

Money Management : How Do Debt Consolidation Loans Work?

admin — Thu, 11 Aug 2011 04:01:06 +0000

Debt consolidation loans allow consumers to pay off credit card bills with the help of a bank loan. Consumers should be mindful not to go back into debt after paying off credit cards. Find out more about debt consolidation with information from a registered financial consultant in this free video on money management.

Duration : 0:1:17

Technorati Tags: consolidation loans, credit, credit cards, credit reports, debt management, debt-consolidation, finances, Interest Rates

Personal Bankruptcy Explained – In Plain English

admin — Thu, 11 Aug 2011 04:00:14 +0000

Bankruptcy can be a tough pill to swallow, especially if you have historically been a responsible consumer. However, this law was put into place for your protection, and you must understand that sometimes bad things happen to good people. Bankruptcy is not a moral or ethical decision, it is a financial decision and when asking, “can I file bankruptcy?” it must be kept in that perspective.

The credit card companies don’t care about you; their only concern is money, even if you’ve been a customer for years. Below we have outlined the basic process of filing bankruptcy; as well as some important information for you to consider if you are considering bankruptcy.

Call Us Toll Free: (888) 728-0044

www.mcfarlinlaw.com

McFarlin & Geurts
11500 Olympic Blvd. Suite 400,
Los Angeles, California 90064

Duration : 0:2:46

Technorati Tags: bankruptcy, Bankruptcy Facts, bankruptcy information, bankruptcy lawyer, bankruptcy questions, California, Chapter 11, chapter 13, Chapter 7, credit cards, debt, explained, file bankruptcy, financial hardship, how to, how to file bankruptcy, legal advice, personal bankruptcy, Timothy McFarlin, utah

Bankruptcy & Housing Prices – Richard Croak

admin — Sat, 06 Aug 2011 21:49:10 +0000

The Subject Matters Host Joe Condon talks with Bankruptcy Attorney at Law Richard Croak about Bankruptcy and Housing Prices.
Info: www.richardcroak.com

Duration : 0:2:29

Technorati Tags: bankruptcy, Chapter 11, chapter 13, credit, credit card debt, credit cards, debt, debt management, economy, finance, financial management, foreclosures, hamp, home mortgage, housing, housing prices, insurance, joe condon, keeping your home, loan modifications, mortgages, reorganization, restructuring, richard croak, subject matters