Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors: http://www.bankruptcyworksheet.com/credit_counseling_vendors.html

Here is a link to my Atlanta bankruptcy web site: http://www.atlanta-bankruptcy-attorney.com.

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
770-393-4985

http://www.incharge.org/debt-management/debt-settlement-trade-offs – What are differences between debt consolidation, debt settlement and debt management. Personal Finance expert Etta Money explains.

HOW CAN YOU RELIEF YOUR DEBT?
https://www.incharge.org/debt-relief/debt-consolidation/
https://www.incharge.org/debt-relief/debt-settlement/debt-settlement-pros-cons/
https://www.incharge.org/debt-relief/debt-management/debt-management-vs-debt-settlement/

To Start Online Nonprofit Consumer Credit Counseling, visit:

Home

Credit Counseling Frequently Asked Questions
https://www.incharge.org/debt-relief/credit-counseling/frequently-asked-questions/

To Speak with a Nonprofit Credit Counselor, call: 1-800-565-8953

Contact InCharge Debt Solutions
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https://plus.google.com/+InchargeOrg
https://www.facebook.com/incharge.debt.solutions/
https://twitter.com/inchargedotorg

Debt management services offered by Accord Debt Solutions explained in a nutshell.

Contact us;
Website: http://www.accord-debt-solutions.co.za/
Facebook: https://www.facebook.com/Accord-Debt-…
Twitter: https://twitter.com/AccordDebt
E-mail: bradley@adsadr.com / sally@adsadr.com

Cut Down Debt to Zero, Live Financially Free!

Can you really eliminate debt quickly?

DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt will teach you the root cause of your debt – both the false mindsets and decisions – and then you’ll find out how you can take the first steps toward financial freedom.

With the laser-like focus provided in this guide, you will find out exactly where you can apply this in your daily life and turn your financial situation around.

9/10 people don’t know how to take charge of their finances. They are in debt, have no clue and will forever be in the grip of debtors. You can learn to become FREE now! The first step is having the confidence to commit to master this area of your life – by reading this, I know you’re one of those few who.

Order DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt now, and start reducing your debt today!

Scroll to the top and select the “BUY” button for instant order.

You’ll be so happy you did!

Nowadays, many young people often find that their lives are difficult, despite hard working, the income barely enough for daily necessities. While, some others have more comfortable lives with just the same amount. What’s the problem? Tighten belt helps them get extra monthly saving? Or they spend less? Or even an extra income?

Have you even considered to your unsuitable spending ways, you may not take a full use of incentives offering by service providers? So how does financial management work? How to live comfortably having regular monthly surplus? If you are asking yourself these 3 questions. My share of  – RULES OF MONEY MANAGEMENT FOR DEBT FREE AND BETTER SLEEP – should be just for you.

Audiences usually stuck in their regret feelings of wasting their money and hope to turn back the time!

Through this book, you will learn how to become a financial manager for yourself. People see numbers are complicated and difficult. For the 8 methods of increasing income and 7 ways for wise saving revealed in this book, you will be guided clearly and in detail that just make everything becomes so simple

Whatever your starting point, this book provides you methods to manage your finance. You can definite exactly how much money you own. This is a very important step for well-being in the future. You learn how to invest your financial resources in the most effective way!

Earning money is important, and how to manage it even each penny is the same  –  Lisa Casey

Please refer the table of content and buy it now with single click.

Table of contents:

Introduction

Chapter 1 – Money Management 

Effort-Less Ways to Increase your Income Dues to pay for, when earning more

Chapter 2 – Planning for monthly balance

Planning for monthly spending Planning for monthly income Overall managerment of monthly balance

Chapter 3 – Budgeting Basecamp

Budgeting Simple Tools for Budgeting Budgeting Rules Tips (Steps on sticking/Making a Budget)  Benefits of Budgeting Wants versus Needs

Chapter 4 – Increasing the Income (8 Ways to Increase Your Income)

No.1 Do some freelancing gigs No 2. Sell some stuff online or offline No 3. Put up your own mini business or franchise—whether on your own or with friends No 4. Carpooling and driving No 5. If you have a blog, make money out of it No 6. Draw a crowd No 7. Finding a roommate No 8. Passive Income

Chapter 5 – Strategies for Saving

Below are different strategies that will help you save money 7 Other practical strategies to save money

Chapter 6 – The Downside of Money Management 

Disadvantages of Using Credit Cards Disadvantages of Using Debit Cards Using debit cards and credit cards with an inconsistent income

Chapter 7 – Financially Free

Spending money wisely How to budget for retirement allowance? Things that elderly people forget to prepare for

Conclusion. 

The book reflects the experienced methods that the author used to get herself out of debt, improve her credit reports and increase credit score. It has detailed steps to follow along with actual letters that can be revised to fit your needs. Information on credit agencies, consumer rights and those that governs what a creditor/collection can or cannot do is included. It guides you on ways to handle your creditors and helps take the fear out of dealing with them. Those that are experiencing a lot of debt will find this book very helpful. It will guide you through removing your debt and ways to manage your finances. There is a section on bankruptcy as a last resort. Pick up a copy it is well worth the cost. Each section deals with a specific problem people have when they are in debt. One deals with the credit reporting agency; another with the documents you will need to begin your project. A short summary is given at the end of each section as a reminder of what you read. This book is small in size but full of valuable information that can be used over and over. It can be shared with other family members or friends. If you are having a problem with debt, wanting to know how to improve your credit report, ways to increase your credit score or ideas on managing your finances this is the book for you. It will help you to get out of debt and be well on your way to a debt-free life. What you will save in paying bills will more than pay the cost for this valuable book 10X over. You will want to have this book handy for years to come. You want to be debt-free, have a high credit score and able to purchase the things you want? Then get yourself a copy of “Your Self Help Guide to Debt & Credit Management.” It is now available to help others free themselves of those over bearing debts.

Take steps to manage and eliminate your debt in our changed U.S. economy, in which everyone has been affected and will be for years to come. This handy guide is an easy reference to many facets of credit and debt that directly affect your quality of life. Bad credit, just starting to build your credit or even good credit, know which steps to take and those not to take.

Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money

You are about to discover what everyone must know about personal finance and effective money management without any unnecessary financial jargon coming your way. Plain and simple.

In Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money you will learn about one of the most important, yet underrated subject that is ‘personal finance’. You will learn the various benefits of effective money management and how much of an impact it can make (becoming financially literate) in the quality of your life. We will go through the basics of money management and you will be able to evaluate your current financial situation.

Furthermore, you will be able to determine if you are living within your means by monitoring your income and expenses. We will then go into budgeting and you will learn how to create a budget that will fit your needs. You will be given a simple 6 step process to ensure that you fully understand how to prepare your budget and make any necessary changes. You will also learn some tips that should you implement, will help you live within your means (and even below, if that’s something that you feel is necessary in your current situation) while fulfilling your needs and of course always staying within your budget.

Being in debt can be stressful. However, there is a difference between good and bad debt (yeah, there is good debt too) and trust me, being in bad debt is even more stressful and completely unnecessary. We will go through some tips and strategies that if you are in debt, can help you to start getting rid of your debt and becoming once more financially healthy. Finally, you will learn 10 all powerful “money habits” that should you implement, can transform your financial life. Commit in adopting maybe only a few if not all of them and it won’t take long to begin reaping the rewards.

Here Is A Preview Of What You Will Learn… Personal Finance 101: Things You Didn’t Learn At SchoolHow To Evaluate Your Current Financial Situation: Are You Financially Fit?Monitoring Income And Expenses: Are You Living Within Your Means?Budgeting Explained: How To Create A Budget That Fits Your NeedsHow To Get Rid Of Bad Debt And Become Financially HealthyStick To It: 10 Powerful Money Habits That Can Transform Your Financial Life

Get Your Copy Right Now

Whether it’s in the accounts of the White House or in the average American’s wallet, America has been carrying a balance. The country is so reliant on credit that we constantly add to our debt, despite the strain it puts on ourselves, the economy, and the nation as a whole. Regardless of our bad spending habits, credit still plays an important role in our current financial system. Without it, the economic train runs out of steam and grinds to a halt, as it did in the 2008 credit crunch. Credit gives us the power to buy greater items like homes or property, and even allows us to make investments and conduct business. It is so deeply rooted that service companies, property owners, and even prospective employers typically perform credit checks to ensure that new clients are able to cover their debt. Just see the facts and figures below: • $2.2 Trillion – according to the Federal Reserve Board, the overall amount of consumer debt in the United States in 2005, up nearly five-fold from just $824 billion as of 1990 • $16,635 – The amount of debt the average citizen in the United States holds excluding property debt such as mortgages, Experian reports • 55% of credit card holders in the United States kept a running debt on their cards in 2008, as reported by ComScore. • 984 million – the number of Mastercard and Visa accounts issued by banks just in 2006, as reported by the card companies themselves. • 4.2 billion offers for new credit cards were mailed to American households in just 2008 according to Mail Monitor, a tracking service that monitors credit cards in the mail. • 19% – The average interest rate of credit cards issued by banks in 2007, CardTrak.com’s online survey reports. Back in 2003, the mean interest rate was a mere 16.5% It is plain to see that credit is deeply-seated in our financial system, regardless of our ever-increasing debts. Clearly, credit is going to stick around awhile, and so the responsibility is on every American citizen and credit holder to make choices that keep them in the black. In our current situation it seems more consumers have fallen into the debt-trap, as consumers by the millions are exhausted to see they cannot keep up with payments on their debts. So, you are one such unfortunate credit consumer, and you find yourself in a credit crunch of your own. Fortunately, the content of this article will give you a view on new concepts that will help you to manage your credit debt and other such debts. It is important for every consumer to know these, so that they can use credit responsibly in their daily lives.