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<title>Anders Devine - EzineArticles Expert Author</title>
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<pubDate>Wed, 15 Feb 2012 03:26:09 -0600</pubDate>
<image><title>Anders Devine - EzineArticles Expert Author</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
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<lastBuildDate>Tue, 13 Oct 2009 13:42:16 -0500</lastBuildDate>
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<title>Bankruptcy - A History</title>
<link>http://EzineArticles.com/3039350</link>
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<pubDate>Tue, 13 Oct 2009 13:42:16 -0500</pubDate>
<description><![CDATA[The word bankruptcy actually evolved from an Italian phrase 'banca ratta', in which the literal translation means broken bench or table. Way back in medieval times, if a borrower failed to repay his debts, the creditor would come and break his table upon which he conducted his business.]]></description>
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<title>Debt Consolidation - An Overview</title>
<link>http://EzineArticles.com/3039577</link>
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<pubDate>Tue, 13 Oct 2009 13:42:07 -0500</pubDate>
<description><![CDATA[Debt consolidation is useful because it is a strategy which allows you to pay of your debts in a quicker, most cost effective manner. This involved taking our a secured loan in order to pay off an unsecured loan or credit card debt.]]></description>
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<title>Avoiding Bankruptcy</title>
<link>http://EzineArticles.com/3039845</link>
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<pubDate>Tue, 13 Oct 2009 13:41:58 -0500</pubDate>
<description><![CDATA[There are several reasons to avoid filing for bankruptcy: It is highly detrimental to your credit. In fact, bankruptcy lowers your credit score by about 250-300 points. Additionally, such a blow will remain on your credit report for around 7-10 years, and will hinder your ability to qualify for a new loan in the next 3-4 years.]]></description>
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<title>Finding What Credit Couselor is Right For You</title>
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<pubDate>Tue, 13 Oct 2009 13:40:40 -0500</pubDate>
<description><![CDATA[Credit counselors may serve a useful purpose to you if you are having trouble keeping track of your finances on your own. There are certain things you will want to find out before you choose which company you wish to work with.]]></description>
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<title>Planning How to Pay Your Way Out of Debt 101</title>
<link>http://EzineArticles.com/3053364</link>
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<pubDate>Tue, 13 Oct 2009 13:37:56 -0500</pubDate>
<description><![CDATA[Getting out of debt can be easy if you form a plan for yourself. This is a basic guide in how to pay your way out of debt without the help of a credit counselor or methods such as refinancing (although those are quite useful on their own).]]></description>
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<title>Common Uses of Home Equity Loans For Those With Bad Credit</title>
<link>http://EzineArticles.com/3054060</link>
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<pubDate>Tue, 13 Oct 2009 13:37:42 -0500</pubDate>
<description><![CDATA[If you're in need of a loan but you have bad credit, you can tap into your home equity by seeking a home equity loan. Many people choose this option if they want to make home improvements or further their education because it is an investment in which they can reap the benefits later on. Another common usage of a home equity loan is to avoid bankruptcy, as bankruptcy has quite a harsh effect on your financial well being for at least 10 years. If you're looking for a loan with a lower interest rate to deal with your monthly bill payments, this is also a viable option.]]></description>
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<title>Refinancing a Loan With Bad Credit</title>
<link>http://EzineArticles.com/3054138</link>
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<pubDate>Tue, 13 Oct 2009 13:37:28 -0500</pubDate>
<description><![CDATA[Qualifying for a refinance loan with bad credit is fairly easy, though of course be ready to shell out higher fees and expect higher interest rates (as opposed to if you had good credit). It's made easier on banks to help you refinance because they know just by looking at your credit score they will be able to charge you higher fees and interest rates, simply because they know you have no other option.]]></description>
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<title>Budgeting Basics - Your Guide to Creating a Successful Budget</title>
<link>http://EzineArticles.com/3054368</link>
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<pubDate>Tue, 13 Oct 2009 13:37:22 -0500</pubDate>
<description><![CDATA[Though creating a budget probably isn't anyone's favorite past time, it's incredibly important if you want to keep your finances in line. When making a budget you need to realize that in order for it to be accurate, your information needs to hold as much detail as possible.]]></description>
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<title>Review of Online Bill Payment Methods</title>
<link>http://EzineArticles.com/3054528</link>
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<pubDate>Tue, 13 Oct 2009 13:37:12 -0500</pubDate>
<description><![CDATA[Bill payment online appeals to consumers mainly because of the convenience. There are several methods of paying for your bills online, such as with your bank directly, and other websites such as paytrust.com. There is also a reputable form of bill paying software available called Quicken 2008 Deluxe. No matter which way you choose, the information provided will hopefully get you started in the right direction.]]></description>
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<title>Things to Consider When Thinking About Filing For Bankruptcy</title>
<link>http://EzineArticles.com/3034883</link>
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<pubDate>Tue, 13 Oct 2009 11:47:02 -0500</pubDate>
<description><![CDATA[If you're considering to file for bankruptcy, chances are you're in way over your head in debt. How this happened was likely beyond something you had complete control over. You may lost your job, had a divorce or business failure. Maybe too many credit cards came your way. We don't ask for these things to happen now do we?]]></description>
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