Paying back only 19 cents on the dollar
by Scott Bilker
I’ve helped people do these negotiations and I’ve help teach other how to do it themselves. Nothing makes my day more than receiving the success stories of those that have read my book and saving a bundle on their own! This one is great…
3 Bank Deception Stories
by Scott Bilker
Below are three stories of bank deceptions submitted by email newsletter readers. Thanks to all for your feedback about my Chase story. However, keep in mind that we need to use the banks against each other. That means you don’t want to close your accounts. Transferring your balances is the best revenge!
Accidentally late indeed
by Art Blanchet
I had the same issue arise recently--was running short on time (my card gives me essentially a weekend to get the payoff--we don't keep a balance) to get my check in the mail. No way the bill just sits here a few days--we gotta move on it! Anyway, this one sat a few says and I needed to send it--destination was about 200 miles away major city to major city--but I still USPSed it registered mail requiring a signature confirmation of delivery.
Deciphering Credit Card Fine Print--A Lesson in Futility?
by Rebecca Lindsey
Credit cards and fine print—the two terms seem synonymous. Credit cards are notorious for having fine print that even lawyers can't comprehend. The fact of the matter is this: if you sign on the dotted line for a credit card offer, then you assume an understanding of what is entailed in the terms and conditions—whether or not you actually understand them.
Retail Credit Cards and Department Store Credit Cards
by Rebecca Lindsey
Many retail stores want to offer you a line of credit. But before you sign up to get 10% off your purchase and a free umbrella, you need to understand the effect that such cards can have on your credit-both good and bad.
Credit Card Protection Insurance- Should You Get It?
by Rebecca Lindsey
A brand new year always starts off with new possibilities and opportunities. For many, a new year offers a fresh start, and thousands will make a New Year's resolution to get their financial matters more organized.
Adventures of the Debt Daredevil: Car on Credit
by Scott Bilker
Car on Credit In his first mission, the Debt Daredevil takes on the evil used car salesman by helping his friend understand her financing options.
Getting Out of Debt
by Scott Bilker
A general question, for starters: I personally know folks who have high credit card balances, car loans, and other debts that are quite high. They're not in bankruptcy, but they feel so hopeless about ever getting out that they just can't stand to think about it. What would you say to such people? Is it as difficult as it seems? Why or why not?
Penalty Rates
by Scott Bilker
Scott, My interest was raised to 28% after "a few" (honestly) late payments. They told me they would review my info in 6 months. Do you think I have a chance of getting them to lower my rate? --Paula
Debt Daredevil
by Scott Bilker
Scott, I am new to your web site and find your tips informative. I am however, interested in your opinion of other financial wizards and their money management tactics, such as Suze Orman. She seems to be very conservative in her methods and you seem to be more on the risky side. How would you rate your methods in comparison to theirs? --Sherry
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