Over two million consumers filed for bankruptcy last year. Before you decide that you need to file for bankruptcy, as a consumer you should do the research and find out exactly what it is and whether you are truly in need of it. There is a difference between consumer bankruptcies and municipal bankruptcies. Consumer bankruptcy is the most common since…
Tag: Consumer
Everything Is Taken Care Of With Consumer Health Insurance
Have you ever wondered what would happen if all of a sudden there is a health problem in the family and you have no resources to tackle that situation? Well this can only be described as carelessness. You ought to keep yourself prepared for mishaps in life and the best way to go for that is through consumer health insurance.…
Go Online To Buy Hot Consumer Electronics For The Holidays
As in recent years, experts are forecasting that consumer electronics will top wish lists in the upcoming holiday season. And, although some shoppers continue to favor brick-and-mortar stores, an increasing number of consumers are finding better prices and greater selections of consumer electronics through online stores. There are three categories of consumer electronics that are forecast to be especially hot…
The Trotter Treadmill Too Expensive For Me
Let’s just say the first thing first about a Trotter treadmill – there is little doubt that on your treadmill comparison travels, you will find a cheaper exercise machine. With the pervasiveness of money in today’s society, or rather the ubiquity of our wanting to hold on to as much of it as we can, it is easy to see…
California Home Equity Loan Rates
Since home equity loans are secured by equity in real estate they are considered a safer investment by financial institutions than unsecured consumer debt. As a result, the rate of interest reflects the value of this collateral on the debt. While the interest rate of a home equity loan is higher than a first mortgage it is considerably less than…
Free Credit Report And Score How To Receive A Free Credit Report
Each consumer with credit history should obtain a copy of their report annually. The cost of credit reports vary. If obtaining a copy from the credit bureaus, consumers may pay $15 per bureau. However, some online credit agencies advertise low cost credit reports. Rather than paying for a credit report, consider obtaining a free report. Who Qualifies for a Free…
Debt Consolidation Or Bankruptcy
Over the last decade Americans have accumulated excessive amounts of debt. Partially fueled by low interest rates and increased equity on houses due to real estate markets driving prices high up. Excessive spending and no financial responsibility often lead to bankruptcy of consumers. Now with the new bankruptcy law in place filing for bankruptcy has become much more difficult and…
Credit And Debt Counselling In The Uk
Consumer debt in the UK is a major problem, both at a social and individual level. There is not that we can do about the social problem, but individuals can take action to prevent and overcome their own debt problems. While UK citizens may be unfortunate to live in a society where debt is commonplace, they are also fortunate in…
Negative Credit Can Affect Your Job Search
Bad credit can affect your ability to get more credit. Did you know it also can affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention. The military has been doing this for years for personnel that require a security clearance. They run background…
Consumer Credit Reports A Brief Review
Being an employer, you may want to use consumer credit reports while hiring new employees and also while assessing them for promotion, reassignment, and retention, but only if you abide by the Fair Credit Reporting Act (FCRA). Sections 604, 606, and 615 of the FCRA clearly mention the employer’s responsibilities towards its employees when he uses consumer reports for employment…