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DebtCC Wiki: How to manage debt and avoid scams

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    How low income workers fight for poverty with the falling and rising wages

    According to the Bureau of Labour Statistics, in U.S, workers were paid a fair amount of money per week in the year ending of 2012. There was a 4.7% increase in wage from 2011. However, the overall statistics says ,wages have been falling since 2012. This situation has forced the low paid workers to get into poverty.According to EPI (Economic Policy Institute) report, workers are suffering for the poor wage distribution. In recent times, two county (Manhattan and Los Angeles County) witnessed severe fal...

    Posted by good.nelly on Jun,26 2014 Article Rating:
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    Why 2014 is the ideal year to close the doors on high interest debt

    With regards to your personal finances, 2014 might offer you the best chance to leverage the low interest rates and get out of debt as soon as possible. Since the economic catastrophe in 2008, the Federal Reserve has made continuous monthly bond purchases in order to keep interest rates exceptionally low and boost consumer borrowing and spending. With the US economy refurbishing itself, the Fed is gradually pulling back on its bond purchases (tapering). In anticipation of this decision of the Fed, the lon...

    Posted by amy.nickson1986 on Feb,11 2014 Article Rating:
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    Debt resolution How to resolve your debts

    You may face debt problems at some point in your life even if you have been managing your finances well. It may be that you have experienced a financial hardship or some other financial emergency. However, when you are neck deep in debt, all you want is suitable ways to resolve it. Here are some debt resolutions options, some of which you can do on your own and some are of with professional help. DIY debt resolution options Here are 3 debt relief strategies by following which you ca...

    Posted by tiarajoseph11 on Nov,27 2013 Article Rating:
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    5 Things to consider before applying for a debt consolidation loan

    Knowing how to consolidate debt properly may not be as simple as it seems. The idea of debt consolidation is amazing, the ability to combine all of your payments into one, who would not want to be a part of that. Although, there are some companies out there that may scam individuals, as well as, take advantage of the fact that they are in a vulnerable situation. Before making a decision, everyone should consider a few things. Will It Help You Save? Clearly when someone is considering applying...

    Posted by Joy Mali on Nov,25 2013 Article Rating:


DebtCC Answers: Get expert credit repair advice and avoid scams

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Community Discussions on Credit Monitoring


If you're in financial crisis and your debts are getting out of control, it's time to take some action and sort out the situation. Even though your finances are in mess, you can still get out of debt and regain control over your money. But you need to find out the right get out of debt plan to achieve it. One way of finding your way out of debt is to seek a no-obligation free counseling from a debt relief company.

A free counseling session can help you to explore your options to get out of debt. Before you go for counseling, check out these 4 keys to getting out of debt help.

key to get out of debt
  1. Avoid new debts
    When you are already in debt, do not take out any more loans or credit. Avoid using credit cards at this point of time. However, cancel only those credit cards which have zero balance and negotiate with the credit card company to lower your interest rate.

    What's important is to stop using any more credit for your financing needs. Instead, you should try getting out of debt by enrolling in a debt consolidation program.
  2. Curb your spending
    You can cut down your expenses by controlling your spending habits. Add up your monthly expenses and find out what you've spent the most on. Simply avoid unnecessary expenses if you're interested in getting out of debt.
  3. Increase your income
    Your income will go up if you get a part time job. Sometimes selling your stuff online can give you some extra money. More money helps you put more towards paying off your debt.
  4. Learn how to live a frugal life
    Develop an awareness of how to manage your finances better and lead a frugal life. For instance, if you're out for shopping, make sure you make use of the 55 frugal shopping tips and avoid overspending.

While you use the 4 keys to getting out of debt help, there are 3 simple steps you should follow in order to successfully get rid of debt.

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