Life After Debt: Free Yourself from the Burden of Money by Bob Hammond

By Bob Hammond

Are you uninterested in being grew to become down for credits due to adverse details on your documents? you can now research the secrets and techniques utilized by execs to erase very bad credit out of your records and begin over. this entire advisor was once written to fulfill the desires of all people, together with girls, minorities, divorced humans, army households and people contemplating financial disaster.

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Extra resources for Life After Debt: Free Yourself from the Burden of Money Worries Once and for All

Sample text

The law says there are two pieces of information that must be shown to you in writing before you sign a credit contract or use a credit cardthe finance charge and the annual percentage rate (APR). must state the cost of their credit in terms of the finance charge and the APR. Federal law does not set interest rates or other credit charges. But it does require their disclosure so that you can compare credit costs. The finance charge is the total dollar amount you pay to use credit. It includes interest fees, as well as service charges and some credit-related insurance premiums.

3. Paying only the minimum amount due on charge cards. 4. Receiving overdue notices from creditors. 5. Using savings to pay bills that you used to pay from checking. 6. Borrowing on life insurance with little chance of repayment. 7. Depending on overtime pay to make ends meet each month. Page 11 8. Using your checking account "overdraft" to pay regular bills. 9. Juggling rent or mortgage money to pay other debts. 10. Using credit card cash advances to help pay living expenses. Until now, people with credit problems could only go to books that offered tedious budget plans or vague interpretations of federal consumer law.

Truth-in-lending laws require that open-end creditors tell you the terms of the credit plan so that you can shop and compare the costs involved. When you're shopping for an open-end plan, the APR you're quoted represents only the periodic rate that you will be charged, figured on a yearly basis. ) Page 18 Annual membership fees, transaction charges, and points are listed separately; they are not included in the APR. (A point is a service charge equal to one percent of the loan amount. ) Keep this in mind and compare all the costs involved in the plans, rather than just the APR.

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