Web DebtSmart.com
Sunday, January 29, 2023   

DebtSmart® Email Newsletter

ISSN 1538-6740
April 20, 2005 Issue 96

Tools for financial success! A Free Email Newsletter from DebtSmart Online and Press One Publishing.

Publisher: Scott Bilker

In this Issue

Cool Quote

Letter from the Publisher

Bankruptcy Law Passes House

Credit Card Help From Scott Bilker: The $43,000 Man

Featured Credit Cards Can Save You Money Now!

Stop Debt Collectors Cold

What's Your #1 Excuse?

DebtSmart Help Center

How to Correct Mixed or Split Credit Reports

Rating your credit card

How To Telecommute Successfully

DebtSmart® Resources

Subscribe/Disclaimer Information

Cool Quote

"If you control your credit cards, you control your future."
--Scott Bilker

Quotes from all previous newsletters

Letter from the Publisher 
by Scott Bilker


Bankruptcy reform is here! Too bad it's all good for the banks and not the consumer. This topic is featured as the lead article in this email newsletter issue.

Hey, are you looking for the best prices for gas in your area? Here's the solution. Check out FuelEconomy.gov to search for prices in your area.

Speaking about best prices...I've been working to secure the best prices on phone service for you! I'll be launching this before the end of May (fingers crossed). Rates as low as 3.5 cents for in-state calling and very low international rates depending on where you want to talk. Everyone can save some money off their phone bill and it's my focus to bring you the best savings in all your budget categories.


Bankruptcy Law Passes House
by Scott Bilker

Bankruptcy change legislation passed Congress last week in a 302 to 126 vote and has been signed into law by President Bush. The changes introduced by this bill are tough on consumers and good for banks. Banks are having their cake and eating it too, as the hackneyed-cliché goes.

This bill has been in the works for eight years. President Clinton vetoed the measure back in 2000 and the banks have been fighting ever since then to get it back on the table. Success for them is at hand, unfortunately for us.

Finish Reading Article

Credit Card Help From Scott Bilker: The $43,000 Man
by Christopher Yuscavage

When you are Scott Bilker, credit card help is not what you are offering people; it's a way out of debt for life!

Scott Bilker, author of Talk Your Way Out of Credit Card Debt, promises that his book is the quickest and easiest way out of debt for people like Mary and John.

Mary is a widowed 40-year-old female from San Francisco with a problem, a credit card problem. She currently has 3 credit cards to her name and another that belonged to both her and her husband. While she has obtained low interest credit cards for herself, her and her husband had a credit card with accumulated debt in the thousands.

Besides being a painful reminder of her husband's death, the credit card that Mary is...

Finish Reading Article

Read about special offer for all three of Scott Bilker's best-selling books

Featured Credit Cards Can Save You Money Now!
by Scott Bilker

Your best defense against any one bank is to have credit options--to be able to transfer your balance to a lower rate. That's your only real power against high fees. That's how to be DebtSmart®! Make the banks fight for your business! Be sure to add this web page to your favorites list so you can keep applying for new credit when you need it. Which credit card is right for you? Select from the list below and apply online right now!

Choose from the list of featured credit cards

Stop Debt Collectors Cold

Review by Scott Bilker

Each week I receive dozens of emails from people being hounded by debt collectors. These collectors are horrible! They can harass, threaten, and embarrass their victims without regard for the law. There have been many articles posted at DebtSmart by those attacked by these evil hounds.

Yes, that's strong language and I am sure that the "good" debt collectors (if there is such a thing) are going to send me hate mail in about 10 minutes, but the truth is that the majority of these "folks" don't care at all about your situation. They're out to suck as much cash from you as possible.

In the past I've advised people of the techniques needed to deal with debt collectors however, a comprehensive information package has been created that I can recommend that will help--for sure!

It's been written by best-selling author, Gerri Detweiler, attorney John Ventura, and Mary Reed, personal finance author. Not only is this aimed at Stopping Debt Collectors Cold but they also include four other great reports: How to Get Collection Accounts Off Your Credit Report, How to Avoid Losing Your Home In A Foreclosure, What to Do if You Are Behind on Your Car Payments, and Confidential Interview With A Former Debt Collector.

I highly recommend that you take a look at this information so you're prepared to effectively deal with debt collectors!

Read more about how to Stop Debt Collectors Cold

What's Your #1 Excuse?
by Dr. Joe Vitale

Before my latest book, "The Attractor Factor," became a #1 bestseller at Barnes and Noble online last week, people told me I was nuts to try to promote a book when Harry Potter was already in the top spot.

"You don't stand a chance," one author wrote. "Why don't you wait until Potter is off the list?"

After my book hit the streets, made all the lists, beat Trump, Da Vinci, and even Harry Potter, some people said, "Well, okay, but that only happened because the new Harry Potter book isn't in print yet."

Gee. How come Potter was #1 then?

Still others suggested that perhaps the Trump and Da Vinci books were just having a really bad day.

Yea. Riiiiiiight.

I marvel at the thinking of some people. No matter what you say or do, they stick to their excuses and stay negative, limited, and stuck. Yet they don't see it. They think, "I'm just being objective."

Are they?

I venture to say most of us operate from our unconscious mind. That is the predominate and most powerful operating system in us. None of us are totally...

Finish Reading Article

DebtSmart® Help Center 
by Scott Bilker


Helping you with your debt is very important to me personally! If you've been reading my articles, you know that I always encourage self-help as a first step. However, being buried in debt can be very overwhelming, which is why you may want to explore other options.

One of those options is professional, ongoing help with credit counselors. I've started to personally check out certain companies so I can recommend the ones that are worth considering!

If you would like to speak with a representative from a...

Read More at the DebtSmart Help Center

How to Correct Mixed or Split Credit Reports
by Pammila Phillis

Credit reports contain errors on a regular basis. So, before applying for new credit or beginning your credit repair journey make sure that all of the information contained in your credit report is yours.

Reasons for such mixes include:

Common name. For example, a father and son who live at the same address, or who don't add "Sr." or "Jr." when completing credit applications.

Loan officers make clerical mistakes. For example, spelling names wrong, transposing social security numbers when pulling the credit report, or even entering incorrect addresses.

When reporting data to the Credit Reporting Agency (CRA) personal information is entered incorrectly. For example, an address at which you never lived.

Finish Reading Article

Rating Your Credit Card
by CardRatings.com

"CardRatings.com has been offering ratings of credit cards since 1998 and has been featured by Good Morning America, The Wall Street Journal, Consumer Reports®, NPR, PBS, etc. Thanks to consumers like you, CardRatings.com has become the most comprehensive free source for comparing credit card offers."

See how your credit cards are rated by CardRatings.com

How To Telecommute Successfully
by Kelly Land

Telecommuting is becoming more and more popular these days. Why? Because our technology enables us to do almost anything from a home office. Virtual meetings can be held via the Internet with a web camera and finished work can be sent by e-mail. We waste a lot of time and energy just getting to and from work. How many hours have you wasted in grid locked traffic or waiting for a late bus, car-pooler or train? Telecommuters are generally more productive, provided you don't let distractions get in your way! So how do you get the boss to let you telecommute?

Finish Reading Article

DebtSmart® Resources

DebtSmart® Books, software, reports, in-print and downloads

Archive of DebtSmart® Email Newsletters online

How to use DebtSmart® articles FREE in your e-zine or on your web site

How to UPDATE your information, SUBSCRIBE, or UNSUBSCRIBE from this newsletter

All recipients of the DebtSmart® Email Newsletter signed up voluntarily for the newsletter via our website.

SUBSCRIBE to this newsletter

Please contact comments@debtsmart.com with any comments, problems, or concerns.


The author(s), Press One Publishing, and DebtSmart.com shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this email newsletter and/or at the DebtSmart.com web site. The information, methods and techniques described may not work for you and no recommendation is made to follow the same course of action. Every effort has been made to verify the accuracy of all content contained herein. However, there may be mistakes; typographical, mathematical, or in content. This email newsletter and the DebtSmart.com web site have been created for your entertainment only. You must always seek the proper professional advice before taking any financial or legal action. You have been warned.

Copyright ©2005 Press One Publishing. All rights reserved. Please do not reprint, or host on your web site, without explicit permission. However, if you found this newsletter helpful, we grant you permission, and strongly encourage you, to e-mail it to a business associate or a friend. Thank you.


Subscribe FREE and start finding new ways to save money and pay off your debt.

"The DebtSmart Email Newsletter is packed with cutting-edge strategies for solving credit problems. I highly recommend it."--Gerri Detweiler, radio host and author of The Ultimate Credit Handbook

NBC 10 News:
Money King Secrets
<Photos and Video>
Art Fennell Reports
<Photos and Video>
CNN: CNN Newsroom
<Photos and Video>
CNN: American Morning
<Photos and Video>
ABC: Action News
<Photos and Video>
CNN/fn: Your Money
<Photos and Video>
<See all Television Interviews>

Subscribe to the DebtSmart® RSS Feed
   Add to Google