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