By Andrew Housser

This month marks four years since the Federal Trade Commission (FTC) implemented new rules regulating the debt relief industry. The changes signaled an end to many unscrupulous debt relief firms. This, in turn, has made it easier for financially strapped consumers to find trustworthy companies to help them resolve significant financial problems.

These days, many Americans still need help with serious debt. At the close of 2013, US consumers were $11.63trillion in debt. That is almost a 4 percent increase from the previous year. Student loan debt rose 11.5 percent to more than $1.12trillion in 2013. Today, the average US household owes more than...

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Being in debt isnt great. Being unable to pay your debt is even worse. While no one likes dealing with debt collectors, doing so can help make your debt more manageable-and maybe even reduce how much you owe through the process of debt settlement.

This post is part of our Evil Week series at Lifehacker, where we look at the dark side of getting things done. Knowing evil means knowing how to beat it, so you can use your sinister powers for good. Want more? Check out our evil week tag page.

Debt settlement is the process through which companies can collect payment on a debt that you cant necessarily payback. To put it simply, life happens. You take...

Everyone needs an estate plan, which essentially lays out how want to distribute your possessions and assets after youre gone. NY1s Tara Lynn Wagner filed this report.

You might think only old people need estate plans, or super-rich people, but the fact of the matter is you need one too.

Whether youre worth, you know, $50,000 or $50,000,000, you have an estate, says Daniel S. Rubin, a partner at Moses Singer LLP.

Really, the definition of an estate is stuff. Okay, so you know, anybody who has a car, a house, investments, insurance, has an estate, says Michael Zovistoski, a Certified Financial Planner at UHY LLP.

An estate plan essentially lays out your wishes...

Rewards credit card users are accustomed to playing the long game. It can take some time to find the best card, receive it, and earn the points or miles needed. And in many cases, award travel must be planned many months in advance in order to find scarce award seats or free hotel nights during peak periods.

So where does this leave credit card users who hope to earn rewards quickly, and in time for the holidays? Thankfully, there are still some offers available that can pay off well before the end of the year.

Before you apply for a credit card, there are two important things to consider: your credit score and how youll use the card. Your credit scores will impact the interest...

So you have credit card debt. Perhaps even lots of it.

Few real solutions exist: D-I-Y debt settlement is scary, bankruptcy is extreme. If youre a homeowner, tapping your home equity is undesirable.

You pay on time, but all you can afford is the minimum monthly payment. But after that 15 to 20 percent finance charge, theres a bounty to your creditor and a pittance toward your balance, which means its costing up to 25 times the original amount for what you charged back in 2009: Fall season handbag? Medical bills? Car repairs? Emergency funds when you were unemployed for 9 months straight?

Well, take a deep breath and relax, because there may be a peer-to-peer lending...

Beverly, MA (PRWEB) October 29, 2014

“Bankruptcy should be avoided if at all possible” according to Shannon MacLean, vice president of Samp;N Debt Solutions. “While there are some advantages, such as the elimination of most debts and creditor legal action, we believe that debt negotiation and settlement of credit cards may make it possible to side-step the need for bankruptcy.”

The disadvantages of bankruptcy are obvious. MacLean described it this way, “Bankruptcy can remain on a person’s credit report for up to ten years. A person must also stay current on a home mortgage or car loan because if they don’t the assets can be lost.”

Among...

When compared to September 2013, home sales have moved upward without first-time buyers. The uptick reflects interest rate concerns as buyers closed on more properties during the month to avoid increases. Buyers, on a constant watch of rate fluctuations, are kept informed by loan officers and electronic gadgets, then occasionally feel encouraged to complete transactions. News and misguided investors also affect interest rates and, therefore, real estate buying.

The National Association of Realtors (NAR) reported a 2.4 percent increase in sales of existing homes. Some economists who had made predictions of a rise to 5.10 million units found the September total of 5.17 million sold...

By Andrew Housser

This month marks four years since the Federal Trade Commission (FTC) implemented new rules regulating the debt relief industry. The changes signaled an end to many unscrupulous debt relief firms. This, in turn, has made it easier for financially strapped consumers to find trustworthy companies to help them resolve significant financial problems.

These days, many Americans still need help with serious debt. At the close of 2013, US consumers were $11.63trillion in debt. That is almost a 4 percent increase from the previous year. Student loan debt rose 11.5 percent to more than $1.12trillion in 2013. Today, the average US household owes more than...

Adamera Announces Shares for Debt Settlement

   

Vancouver, BC / TNW-ACCESSWIRE / October 17, 2014 / Adamera Minerals Corp. (TSX V: ADZ) announces that it has received regulatory approval to settle its debt of $46,691.16 to an unrelated party through issuance of 667,016 common shares of the Company at a price of $0.07 per share.  The shares are subject to a 4 month hold period from the date of issuance.

The shares associated with the debt settlement are being issued to preserve cash committed to project development and working capital.

Adamera is exploring for high-grade gold near an operating mill in Washington State owned by Kinross Gold Corp. The mill...