Let's say Kimberly owes $100,000 on 6 credit cards. She is finding it hard to keep up with the minimum payments. Kimberly doesn't want to file bankruptcy as she does not want to involve the courts. Finally, Kim ends up working with a credit card debt settlement company like KIM-LAR INC. Here are the 4 steps on how she could pay off her credit cards. First, she will stop payment to her creditors and begins depositing a certain amount into a savings account monthly. While she starts falling behind on payments, she may receive collection calls, which are effectively handled by the company reps. She doesn't have to handle such harassing calls on her own. As Kimberly accumulates dollars into her account, her representative starts negotiating with her creditors one by one. Finding that she won't be able to pay enough, Kim's creditors agree to reduce her outstanding bills by 40-60% As she pays off one debt, Kim waits for better offers from other creditors. Finally, after a period of 12 - 48 months, she is able to settle credit cards debt with all her creditors. Kimberly, now starts out clean with a second chance. Larry Potter Stop Interest On Credit Cards ...read more

A Long Island couple is home free after an outraged judge gave them  an amazing Thanksgiving present -- canceling their debt to ruthless  bankers trying to toss them out on the street.  Read the rest at http://loanmodsanddebtsettlement.blogspot.com ...read more

Have you ever thought what it would be like if you didn't have to go into a regular job?  Now, that does not mean you wouldn't go to work anymore. What I mean is working for yourself, being self-employed. Yes, it would be different. For starters, the more you work, the more you'll benefit your- self, not some company. Normally, when you are the employee, any extra efforts on your part benefit the company and not you. That is a VERY important difference when it comes to achieving personal financial goals. If you are fixing up a rental property for monthly cash flow or to flip for a profit, all the money you earn from your work is yours to keep. If you are working for somebody else, you could be making thousands for them, but only profit a little yourself. Let's say you are an agent and I purchase a $100,000 income property for $80,000 When I buy it, you'll probably make a 6% commission or $4800 in this case, and you will have to give part of that to the broker and perhaps part to another agent involved, so you might only make $1200 and that's it. Now, let's look at my side of the equation: I've made $20,000 in non-taxable up-front profit by negotiating a good deal. If the property needs some fix-up, I'll have that done, raise the rents and enjoy monthly cash flow. Or I could do a two year lease-option agreement and sell it for $110,000 at a higher rent by offering attractive terms. You don't have to have a math degree to see that working for yourself has some extra financial advantages. You have the flexibility of making money in several ways. In this example I made $30,000 and the agent made $1200. So, I made almost 25 times as much as the agent. This is one of the secrets to becoming financially independent in the shortest period of time. So, what's the biggest obstacle to financial independence. I would have to say it is FEAR! Most fear change and the uncertainty of what will happen next. None of us get any guarantees, but I can tell you from experience, most fears can be overcome with knowledge.  If you are looking for a better way, real estate investing could be the answer to your prayers. Yes, learning new exciting methods to make money does require some effort on your part and how fast you accomplish this is up to you. Opportunities to profit from real estate have never been better and it doesn't cost you an arm and leg to get started. People just like you, can still achieve financial independence and share in the American Dream. Larry G. Potter has been investing in real estate since 1984 and is the #1 team leader at Home Seller Assist, otherwise known as We Provide The Cash, provider of weekly RE training and 100% funding to purchase residential and commercial properties. http://www.NoTitleSeasoning.com ...read more