Friday, March 28th, 2008 |
This is another step towards offering free help to people who can’t afford or are scared of all fishy debt settlement companies. We have a lot of community members in DebtCC who are counseling experts but do not want to disclose their personal identity due to personal as well as professional reasons. Now here comes the good news for all of them who want to help others yet do not want to disclose their identity. There are lots of financially distressed people out there who need counseling but can’t avail it as they do not have money to pay the fees for counseling or are scared of dealing with a debt management firm (rightly so).
How is DebtCC trying to help people who can not pay the counseling fees?
People who need financial counseling can call at the DebtCC numbers. Then our system checks the list of the financial coaches available on the phone and will send call requests to the available coaches. The person who is calling will not know the number of the coach as the call will be routed via the DebtCC numbers. The process will almost look like:
The community members interested to help financially challenged people have to register their phone numbers with us (which will never be disclosed to anyone). As mentioned above the caller won’t come to know about financial coach’s identity as well as the number.
Discuss the idea with community members.
Technorati Tags: financial coach, debt help, counseling, debt, credit, community
Posted in Debt Consolidation | 2 Comments »
Monday, March 17th, 2008 |
Debt in itself is a simpler concept but while sailing through the sea of debt it sometimes feel otherwise. We have tried to make the concept simplified using some pictures and symbols.
Movie cast:
- Lead role : Mike (the debtor).
- Acrtress in leading role: Jessi, the debtcc community member.
- Actor in supporting role: Mr Tom (the financial coach).
- (Negative role) Payday lender: The friend, the betrayer (with his pet shark).
For the complete movie visit
http://www.debtconsolidationcare.com/movie/seaofdebt.html
And the oscar goes to …
Posted in Debt Consolidation | 3 Comments »
Tuesday, March 11th, 2008 |
Everything seems to be in an utter mess……you’ve missed the payments on the mortgage, auto loan, furniture, washing machine, TV, and credit card. To make the matters worse, the bills are simply piling up- whether its electricity bill or a reminder letter from your telephone service provider. You are simply confused as with a limited income you have really no clue of the debts you need to pay off first. To ease your problem I have jotted down 6 important debts that must be disposed off first. They are actually the ones where serious action can be taken against you if you don’t pay what you owe.
- Mortgage – the lender can repossess your home
- Rent arrears - Landlords usually have the right to look for a court order in case you miss to pay your rent obligations. In certain circumstances your landlord can also get you evicted without even obtaining a court order first.
- Utility debts (like gas, electricity and telephone bills) – failure to make payments on utility services will lead to disconnection of the services by the provider.
- Auto loan: If you require your car to get to work or for some other essential transportation, then you must place your auto loan or lease payments right next after food, housing costs, unavoidable medical expenses, and utilities.
- Income Tax Debts: It is advisable to pay the income taxes you owe that are not automatically deducted from your wages, and you certainly must file your federal income tax return.
- Fines: Court fines like child support or spousal maintenance are also priority debts. Non payment of these debts can make you land up in very serious problems, including prison.
Posted in Debt Consolidation, Personal Finance | 6 Comments »
