|
Author: Andy Lee Article source: http://www.aaaconsolidation.com/. Used with author's permission.
Sometimes debt can seem overwhelming. In those instances, or even before things get that far out of hand, get back to basics and try some of these debt handling solutions.
BASICS - Lower insurance deductibles for your homeowners, renters and vehicles policies where appropriate and save money. Don't take chances on bouncing checks; instead get covered with overdraft protection and pay about the same as what it would cost for one bounced check to cover our account for an entire year. Ask your banker about packaged account services. Many offer free savings and checking accounts with free overdraft protection and checks, free online bill paying and more. When you shop, check your receipts, even for groceries. Many times items ring up at incorrect prices. Sometimes store policy allows for no errors, meaning you get the items free if it wrings up wrong. So carry along a handheld calculator or pencil with small notepad to tally up your charges.
REACH OUT- If you have medical debt, the first thing healthcare offices try to do is get you to charge the bills or refinance your home, etc. STOP. Before you take such a drastic step, check with legal counsel. There are often other steps to take first. For example, notify the billing parties and tell them you need to apply for financial aid. Many have forms to complete, and although they may be lengthy, remember they're for free money to pay your bills. Reach out, take forms and fill them out. Then set up minimum payment arrangements for the remaining balances, even if it's just $10 a month for 30 years. Healthcare bills are not like credit card debt and do not need to be reported to the credit bureau in the same manner.
Also reach out with merchandise and return any recently purchased items that you can for a refund. Credit cards and mail order companies generally allow you 30 days to inspect your purchase. Return any you can for refunds. If purchases are beyond the 30 days and for various reasons don't hold up to their end of the "bargain;" i.e. they broke already or never worked right to begin with, get on a letter writing campaign pronto. Write the place of purchase and copy the manufacturer, the distributor, the Better Business Bureau and your state Attorney General's Office. State the reasons our product is faulty and that you want a refund. It's often rewarding to get help with other entities like these. No need to go it alone!
So before your debt gets out of hand, take charge and get back to basics. Put some of these debt handling solutions into practice and make the most out of what you have. This article courtesy of http://www.ult.net
You may freely reprint this article on your website or in your newsletter provided this courtesy notice and the author name and URL remain intact.
Shocking Facts - What Debt Settlement Companies Dont Tell You
If you're thinking about using a debt consolidation or debt settlement service to help you get out of debt faster and save money on your monthly payments, make ...
Two Easy Ways To Get Cheap Home Loans Online
If you're like most people, you probably want a cheap home loan - but don't know how to reduce your payments...
Set Yourself up for Trade Show Success
Of the many mistakes small business owners make, a big one is participating in trade shows and business expos without a strategy for turning those marketing opp...
Search Engine Optimization Lies & Misconceptions
When it comes to search engine optimization, do you know how to tell lies from truth? Follow bad advice and your site will be the one penalized, not the giver o...
Duck
Duck! No I don't mean a quack, quack. I meant get down, look out for a huge blob of brown stuff is heading your way.
Overcoming Fears And Unproductive Thinking
Overcoming Fears And Unproductive Thinking and rising to a higher level of performance, quality, and reuslts.
Fireplace Terms Dont Need to Confuse You
This simple glossary of fireplace terms will help in your search for the perfect fireplace. Knowing the terminology before you begin shopping will improve your...
Everyone Needs a BAG (Big Audacious Goal)
Unlike smaller goals, the BAG is something that is huge. It is challenging and in some ways seems impossible - but a BAG is also inspiring, compelling, and mot...
How to Match the Right Insurance Policy to the 4 Stages of Life
As we go through life our needs change. A Young man or women with a family has very different insurance needs then the Empty Nester. Here is a guide to help yo...
Effective Marketing
A short article explaining how to market your product or services:
Choosing the Right Furniture
The furniture in a person's home says a lot about personal style and taste.
Get Your Guidance and Get to Know Your True Self
By learning to listen to your inner guidance, you get to know your true self, as well as traveling through life with greater ease and comfort!
Quick Personal Loans - Should You Get a Payday Loan?
Here are some points to consider before getting a payday loan.
Annuity Investment - The Whole Truth
Do you ever feel like you haven't been told the whole truth? Kind of like something is missing? Well, you are not alone.
Why Dont I Understand My Dog?
I have encountered folks who have complained to me about their numerous (dog) behavior problems. And interestingly enough, I usually discover that most of the ...
Arrowhead Hunting and Rock Collecting
We went to the Arizona desert for the hot springs, but an old Mayan Indian showed us more.
Internet Advertising: 20 Magical Ways To Convert Website Visitors to Subscribers
Do you publish an e-zine or newsletter?
If you answer yes, you may already know how difficult
it is to build your subscribers' list.
Focus Leads To Nonprofit Success: Is Your Organization Rowing or Drifting
Is your nonprofit suffering from decreased funding and disjointed programs? If these problems sound familiar, your nonprofit organization is drifting. You can t...
Creativity and Innovation Management – the Value of Challenge
Challenge and the expansion of competencies figure highly in the realm of motivation. Most people require challenging work if only to prevent boredom.
Perfects Abs - Three Ab Routines To Show Your Six Pack
From beginner to advanced, you can work your way up the intensity scale with these three ab routines.
Keys To Network Marketing
Keys to Network Marketing Success...
A Tip for Finding Willing, Quality Links
Google might not dominate the search engine world like it did last year, but it's still a big player and can account for a lot of your traffic. It's no secret ...
The Time Machine Exist!
We call it music, ever noticed how vividly music triggers memory?
Freelance Productivity: Do One Thing Extra Each Day
As freelancers we often worry about getting into bad habits. But here is one good habit you can get into. It takes just a few minutes every day and could make a...
|
Print this page