Archive for August, 2011

Debt Relief

admin on August 19, 2011 in Articles No Comments »

There are many avenues to choose when it comes to debt relief. Debt settlement or relief is an certainly an option for individuals who still continue to earn a consistent income, though are having difficulties paying off their bills. With the amount of help available there is no reason not to have some assistance and guidance to the help you need. In many cases debt settlement allows a person who is behind in their bills to pay 30-60% of the total balance due, though the actual time frame to pay off the debts varies. In some cases you may need to see a bankruptcy attorney to get the help you need to handle the debt relief and offer you some additional options. 

In some cases debt settlement companies may require you to make a payment up front of the entire debt settlement amount; and others would negotiate a smaller amount, but more consistent payments. In cases like these it usually takes 24-48 months before the debt is completely settled. It may seem like a long road to recovery but it will be well worth it. Debt has many negative effects, and these effects are not only financial, but can lead to much worse situations like for example effecting your health. Due to stress that comes with paying off debt, adverse health issues can be the result. It’s never a good thing having to worry about your finances. If you are in need of financial assistance, find the help you need to get the relief you need. Once it is over I am sure you will be glad you did.

Another good thing about debt relief agencies is that they will handle the payments to your creditors for you, so all you have to do is pay them on a regular basis and then they will make the payments to the creditors. They act as a buffer for you to make paying off your debts easier. Don’t let the creditors hassle you, let them handle the creditors for you. 

There are times when financial hardship is just unavoidable, even in affluent communities such as Scottsdale Arizona. The market has taken hits, even with a few bright spots like Apple, Google, and Amazon showing signs of growth, there still is uncertainty within the hearts of the general public. So many Americans are trying to find what is right to do with there money, or desperately trying to find ways to gain more. America is at a crossroads and it is difficult to see if there will be any good options to help our crippling economy. Many businesses in affluent areas are struggling, just like ones in rural America. Things are not as they used to be and lending from banking institutions is not as easy or welcomed as they were years ago. What is someone to do in an economy like ours, and where the job market seems out of control.

Even new graduates our wondering how things will be for them. Each year graduating classes try to secure jobs and begin to plan their future. With the unemployment rate the way that it is, students may find it difficult to secure that job they worked so hard to obtain. Times of adversity always make way for reinventions and maybe it’s time for the up and comers to reinvent the way we do business or the way we organize our finances. Those in Scottsdale who need financial help can call to get more information from seasoned attorneys and get the advice they need to succeed. Sometimes we just need to humble ourselves and ask for help. It may be the best thing we will ever do. There are laws and things that the individual may not have the knowledge of and asking the right person may actually provide the knowledge to start over with the right game plan. Scottsdale like any other community needs help and law offices of Barksi and Drake are there to help. 

It is no question that one of the issues facing America is the rise of the poverty rate. Though we have many programs and educational options poverty rates in America continue to rise. Poverty, though has taken on different forms and the rates have changed to accommodate these forms, poverty is still a force that we are all working hard to eliminate. One of the ways to thwart the rate of poverty is to change the drop out rates in our public schools. Many states have a large dropout rates in their public schools. There are reports about the dropout rate in America reaching close to 30% and in some states like Alabama reaching close to 40%. When you have 40% of your students not graduating high school, this creates all sorts of issues and social problems. When you couple that with a crippling economy, it is difficult to see a viable solution and a way out of all this mess.

One of the things that face a lot of Americans that are dealing with poverty issues is the reality of starting over. If you are in Arizona you can check out a site called Start Over Az, which can help you with all your legal needs regarding bankruptcy and and issues surrounding starting over financially. One thing you don’t want to do is make bad decisions regarding your finances when you are already dealing with finance issues. With the right counsel and the right steps people can pull themselves out of the poverty issues they are facing and thus decrease the poverty rate overall.

It is the innate belief that we as Americans can do anything we set our heart to do. It is important that we are able to keep this belief and make the difference in this world that we desire so greatly. Keeping a positive attitude through financial difficulties will be a great asset and will attest to the strength and character that we as Americans behold.