How to Make a Debt Chart

If you want to manage your money wisely, learning how to keep track of personal debt is a worthwhile endeavor. It's easy to owe more than you make without realizing it if you don't have a system in place to manage your spending habits. One way to monitor your expenses is through visual means. You can make a debt chart to have a clear picture of how much you owe your creditors and how long it will take to bring your balances to zero. In addition to helping you stay organized, a debt chart can also provide a source of encouragement as you see your...

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Annual Credit Report Laws

The website Annualcreditreport.com reports that a credit file disclosure---better known as a credit report--details all of your information held by consumer reporting agencies that may be provided to a third party via consumer report. Mortgage lenders, auto financing lenders or credit cards may request a copy of your credit report to see if you are a credit risk. Your credit file also lists all companies who have received copies of your credit...

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What Is Credit Card Debt Counseling?

If your credit card debt has gotten out of control, credit card debt counseling can be a beneficial alternative to more drastic actions, such as bankruptcy. Credit card debt counseling through reputable organizations helps you to understand your financial situation in detail, as well as what steps you can take to get and keep yourself out of debt in the future. Choosing a Counselor Many different organizations offer credit card debt counseling services, but not all of them are working in your best interest. Even when they claim to be a...

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How to Write a Pay for Delete Letter

Cleaning up your credit history can prove challenging if you have collection accounts or charge-offs on your credit file. Creditors and lenders report both items after nonpayment on an account after several months. Paying off these old bills doesn't result in an automatic deletion of the item. If you want to pay off the debt and improve your personal score, write a pay-for-delete letter. This involves a creditor or collection agency agreeing to delete a negative item upon receipt of full payment. Instructions 1 Get the name of the company...

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How Can I Break My Apartment Lease in a Medical Emergency?

Medical emergencies can lead to bills totaling thousands of dollars, making it difficult or impossible to continue paying rent for an apartment. Breaking the lease and perhaps moving in temporarily with a friend or relative can help with finances. However, getting out of a lease because of a medical emergency is not easy. The lease is a contract that typically doesn't include early termination clauses for medical reasons. The New York Times reports...

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How to Stop Connecticut Unemployment Claims Online

The Connecticut Department of Labor processes requests and inquiries regarding unemployment benefits via the TeleBenefits Line and Connecticut Department of Labor website. If you are currently receiving unemployment benefits in Connecticut and secure a new job, you must stop your current unemployment claim. While this can be done by mail with your claim form, you may have already sent it in before you got the new job. If so, you can take care of stopping your Connecticut unemployment benefits on the Web. Instructions 1 Visit the Connecticut...

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Louisiana Garnishee Laws

Garnishment is the process by which a creditor obtains a court order to intercept part of an employee's paycheck and use it to satisfy an outstanding debt. Though federal law acts as the ultimate legal authority that provides Big Picture guidance to the garnishment process, Louisiana also has well-developed rules that function to make sure all parties are being served as fairly as possible. The process of garnishment begins when a creditor declares in court that he is owed a valid debt and has exhausted other options for collection. Exempt...

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