http://www.submityourarticle.com/articles/Michael-Redbourn-5331 The latest quality free reprint articles from Michael Redbourn at SubmitYOURArticle.com Sat, 13 Mar 2010 14:10:19 +0000 Millions of Americans that never had problems making their monthly payments before, are now struggling with them for the first time, and they don't know what to do. They have little or no previous experience of debt problems and they don't realize that many options exist. Whether or not they have a good or a bad credit rating is very important, because their options change, but knowledge is power, so come get some now. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/bankruptcy-71031.php Tue, 03 Nov 2009 00:00:54 +0000 The vast majority of people either dislike their jobs, or they actually hate them, and they're often right to do so. They feel bored or exploited, and many jobs are just downright horrible, and it's tragic that they keep on doing them! They keep doing the job because they fear many things and much of the fear is most likely justified, but doing a job that you hate every day is not very different to spending one third of every day in prison. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/job-70574.php Thu, 29 Oct 2009 00:00:37 +0000 If you've just been laid off, or have been unemployed for a while, then why not get motivated and start your own small business? Not having money is no excuse, because many small businesses can be started with the resources that you already have. You have a talent, and you most likely have the tools, and it's likely that you just need an idea and a push. So get a push and nineteen ideas right now, and start earning money, and be your own boss. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/Unemployed-70041.php Mon, 26 Oct 2009 14:54:19 +0000 A great many Americans, and perhaps even the majority of them, are wasting hundreds of dollars every month without even realizing it, when simply following seven simple steps, or even using just some of them could make the difference between getting out of debt or getting deeper into it. You will be aware of some of the things that are listed, and others not, but they're all important so check them now. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/debt-69732.php Thu, 22 Oct 2009 00:00:19 +0000 It's widely known that tens of millions are shouldering close to $10,000 of debt and that it's breaking their backs, and the number of bankruptcies for this year just exceeded a million. It's not just people that are going bankrupt but states are too, are whereas the battle cry used to be, "California or Bust", it's now, "California is Bust", and the sad truth is that the U.S. is bankrupt too. What happened? Did Americans become addicted to debt? http://www.submityourarticle.com/articles/Michael-Redbourn-5331/Debt-69226.php Wed, 04 Nov 2009 21:58:39 +0000 It's quite common for people to panic when they're first contacted by a collection agency, and most debt collectors are very skilled at frightening people. The truth is that the last thing that they want to do is to go to court, and in almost every case, the longer the debtor holds out, the less he or she will pay. The collection agency paid as little as one cent on the dollar, and will settle for far less than you think. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/statute-of-limitations-68426.php Wed, 28 Oct 2009 16:49:11 +0000 Hardly anyone would pay a stranger that knocked on their door, and said that he'd come to pick up a debt that was owed to somebody else, without real proof that the person had the right to the money. That proof is called Debt Validation, so if a debt collector knocks on your door, and demands that you pay him a debt, then tell him that under the law he needs to prove that you owe him the money, and must validate the debt. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/Debt-Validation-67687.php Fri, 09 Oct 2009 00:44:46 +0000 There are lots of articles around that explain how to talk or not talk to debt collectors and many people think that they should handle negotiations with the original creditor in the same way, and that's absolutely wrong. The original lender doesn't have to help you at all, but if you handle the negotiations in the right way you might save yourself around 45% of your total debt, and you might get the very best comment on your credit report too. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/debt-67601.php Mon, 05 Oct 2009 03:41:10 +0000 Many people are now using either the Snowball or Avalanches systems to reduce their debts, and some are integrating the Snowflake system too, but there are other important factors that should be taken into account too, such as whether a debt is good, neutral or toxic, and if you don't know the difference then you need to find out now. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/Debt-Consolidation-67337.php Thu, 01 Oct 2009 16:20:00 +0000 If you've tried different get out of debt systems, and none of them helped, then it may simply be that you owe too much money relative to your income, and that nothing is going to help much except either reducing the interest and fees, or restructuring your debts completely, meaning not just the fees and interest, but getting the lender to reduce the total amount owed, and therein lies the difference between Debt Management and Debt Settlement. http://www.submityourarticle.com/articles/Michael-Redbourn-5331/debt-collectors-67160.php Tue, 29 Sep 2009 19:55:40 +0000