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Posts tagged "credit card debt"

How can I work down credit card debt after the holidays?

At the end of each year many New Yorkers increase their spending in order to buy gifts for the people they love. The holidays in particular are often a time of year when people let their financial planning fall to the wayside. While some people are able to cope with the added expenses the holidays often bring, others find themselves in financial hot water when their bills begin to arrive in January.

Find debt relief through professional and self help

Consumer debt is an issue for many people who live in Rockland. Whether they are burdened with heavy mortgages, student loans, credit card debt or other forms of financial obligations, they may feel that they just cannot get ahead of their bills. These individuals have options for finding debt relief and may choose to take control of their own problems before turning to professionals for assistance.

Children's credit card debt becomes problem for parents

Some New York parents choose to allow their kids to get credit cards while those children are still relatively young. Whether they hope to help their kids build good credit histories or want to teach them about effective money management, many parents have to co-sign on their kids' accounts in order for credit cards to be secured in their kids' names. These arrangements can work but for some people mistakes made by youths lead to serious money problems for their parents.

Credit card debt is a problem for American college students

Many New York college students go off to their academic institutions each fall with plans to be fiscally responsible. After working through the summer to earn money they know how quickly their money can dry up once back at school. Although some students stick to their plans and learn how to budget, others get caught up in their purchases and find themselves relying on other forms of monetary support to get through the year.

As access to credit increases, so too may credit card debt

In the wake of the recent national economic recession, many New York residents experienced drops in their credit scores. Different forms of financial liabilities affect a person's credit score, ranging from education and home loans to credit card balances. Such factors can directly influence if individuals can obtain future access to credit.

What risks are associated with settlement for debt relief?

For New Yorkers and people all across the country, money troubles can develop in a number of ways. Unexpected unemployment can stop a person's income. Emergency medical procedures can create insurmountable bills. Failing to adequately plan for one's future can also throw a wrench into a person's financial health.

Start of school season means credit card debt for some

The fourth of July has come and gone and for some Rockland residents the end of summer may be too rapidly approaching. As summer winds down back-to-school preparations gear up for teachers and families alike, and soon stores will be filled to the brim with backpacks, notebooks and other educational tools. The return of kids to school and the coming fall are often signs of a time when Americans make poor financial choices that can lead to overwhelming credit card debt.

Pursuit of credit card debt can lead to lawsuit, judgment

When a New York resident is sued for negligence, premises liability or other forms of civil liability he may do everything in his power to defend himself. Defending a lawsuit can often involve engaging the services of a lawyer and enduring lengthy legal processes that demand the defending party's time, attention and money.

Paying down credit card debt

Many New Yorkers have had to rely on credit cards to pay for their necessary expenses. Others have had to use credit cards when emergencies arise. In these cases, people are often left with mounting debt, high interest rates and no way to pay back the money. Following the recent recession, this is a common scenario.

Bankruptcy and foreclosure proceedings

A lot of attention has been made in the media about the economic recovery. The media has made it appear as if people's financial problems have been fading and things are getting back to the way they were before the economic collapse in 2008. However, for many New York residents this hasn't been the case.

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