Stop Paying Credit Cards - How Debt Settlement Systems Work

Stop paying credit cards? Can't my debtors file judgments or liens? Won't I ruin my credit score and credit rating? Not if you use one of the several debt settlement systems available to settle your credit card debt!

Many Americans live under obscene amounts of debt. They have a constant fear of their creditors calling and demanding payment. With unemployment rising these fears are increasing and consumers need a way out.

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In the past, bankruptcy was the only option available to settle your credit card debt and give you the freedom to stop paying credit cards. But in recent years, several debt settlement systems have been introduced that successfully erase your debt without filing bankruptcy.

Stop Paying Credit Cards - How Debt Settlement Systems Work

These programs offer the following benefits without filing bankruptcy:

1. Eliminate your unsecured debt (credit cards, gas cards, medical bills, retail cards and personal loans)
2. Settle your credit card debt for pennies on the dollar (60% - 80% reduction is common, and many people erase debts altogether)
3. While bankruptcy stays on your credit report for up to 10 years, these debt settlement systems have a minimal effect on your credit rating and don't haunt you for years to come.
4. There is no income qualification or government forms to fill out. Everyone can use these programs!
5. Enrollment is fast and easy and you can stop paying credit cards as soon as you enroll!
6. While bankruptcy can cost upwards of ,000, these programs range in price from for a do-it-yourself program to a couple of thousand dollars to hire a debt settlement company without filing bankruptcy.

Many people learn about these debt settlement systems and have a hard time believing that they're cheaper and have a less harmful effect on your credit rating than bankruptcy. The truth is, these programs have worked for thousands of people across the country and can work for everyone with any type of unsecured debt.

So how Do You Get Started?

Once you make decision is made to go forward with a debt settlement system, you'll need to do the following:

1. Gather up all of your credit statements and bills: you need an accurate picture of what you owe and who you owe it to. Whether you choose a do-it-yourself system or a profession company to settle your credit card debt, you will need detailed contact information and amounts owed for each creditor.
2. Decide on your system: If you are a highly detail oriented person, a do-it-yourself program may be ideal for you. These systems have forms and legal letters prepared by attorneys and will guide you through the process each step of the way. However, if you have large amounts of debt or would like legal guidance, using an independent debt settlement company may be the way to go.
3. Don't Wait!: Regardless of the system you use, there is no reason for you to continue to struggle with your debt. These programs make it so easy for you to stop paying credit cards without filing bankruptcy that you would be crazy not to take advantage of them!

Whatever you decide, you can always speak with a consultant for free at the more reputable debt settlement companies to see what they have to offer. Even if you go it alone, they may have some insight or advice to share with you that can make your life easier.

Don't believe that bankruptcy is your only choice! You have options!

Stop Paying Credit Cards - How Debt Settlement Systems Work

Brian Anthony is dedicated to helping you settle your credit card debt and take advantage of the many debt settlement systems available. Click here to read our reviews of the best Do-It-Yourself systems and Debt Settlement companies that can help you stop paying credit cards!

A Brief History of OPEC

OPEC, an abbreviation for the Organization of the Petroleum Exporting Countries, was created in Baghdad in September, 1960. The original participating countries were Kuwait, Venezuela, Iran, Iraq, and Saudi Arabia. Throughout the '60s and '70s, nine other counties joined, some of which have suspended their memberships. The objective of this intergovernmental organization is to unify petroleum policies among countries that are members of OPEC. This ensures that prices for petroleum will remain fair and that those investing in the industry will have a fair return on their investments.

Starting in the '70s and into the '80s, OPEC gained international distinction. In 1973 and 1979, oil prices spiked because of the volatility of the market. A new era of cooperation was established, which enabled a more stable petroleum economy to form. In the '80s, prices weakened and then crashed altogether in 1986, due to the public's turn away from petroleum as a fuel source. Many of OPEC's members had a tough economic time as revenue dipped below 33% of earlier revenue amounts. Toward the end of the 1980s, fuel prices began to recover, but only accounted for about half of the revenue OPEC members were used to. At about this time, environmental issues sprang into light as an important international consideration.

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In the '90s, prices were less dramatic than in the two previous decades. However, generally weak prices dominated in the decade, especially with the South-East Asia economic slump. By 1998, petroleum prices were equivalent to 1986 costs. Still, recovery in the market followed as OPEC sought fairness in how the oil supply should be treated following the Earth Summit in 1992. One country deserted OPEC altogether, as another suspended its affiliation with the organization.

A Brief History of OPEC

From 2000 to 2010, skyrocketing oil prices have been seen. Because of several forces in the market and speculation, 2004 experienced high prices, despite the well-supplied market of crude oil. In 2005, a long-term strategy was formulated in regards to environmental efforts. Prices continued to climb to record heights in 2008, until the economic recession. OPEC became highly involved in addressing the global economic recession during this time, as one country joined the efforts of OPEC while another reactivated its membership and one suspended its membership.

A Brief History of OPEC

Comdata can help companies lower their fuel expenses with a fleet card or fleet fuel card program, while providing company management with detailed information about how efficiently fuel is being used.

Gas Credit Cards For Truck Drivers

Many truck drivers own their own rigs and have to keep it maintained and furnish the gas they need when they are traveling delivering their load of merchandise. The high cost of fuel can become overwhelming and when a driver needs to spend a lot of money on gas before he has made his delivery it sometimes causes him to turn down the bigger loads.

In order to help prevent this type of driver from losing a good job the gas card company will allow the driver to put his trip on the card. Often he must pay for all the gas he used upon completion of the trip and receiving payment for the job. This type of card is very important to a truck driver who is in business for himself.

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The other type of truck driver uses the company gas credit card in order to make his delivery of goods to the designated spot. This type of truck driver must go to certain service stations and has a very tight budget to maintain. Even though he is putting the fuel on the credit card often the company deducts expenses from what he will be earning that include the amount of gasoline that he needs for each delivery.

Gas Credit Cards For Truck Drivers

That is why it is very important to truck drivers to use a gas card from a lending institution that will keep an accurate accounting for them. In most cases truck drivers are independent contractors that need to be careful about the amount of money they spend on their fuel.

Gas Credit Cards For Truck Drivers

Save up to 10% per gallon today with gas rebate credit cards, and also find more of Tom's work all at FINDgascards.

Reasons You Get Denied For a Credit Card

If you're currently a student and you've been on the hunt for a credit card, you may have found yourself getting into a bind you didn't want to find yourself getting into, getting denied for a credit card application. What most college students think when they apply for their first card is that they are going to get approved and never think of the denial letter coming through the mail. A denial letter from a credit company is no different than a college denying you.

When you get that denial letter in the mail, a lot of people just think they are going to get the same letter for every card they apply for and that couldn't be further from the truth. There are some things you can have to look out for when applying for your card and if you follow the right steps, you can get your first credit card in no time.

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Applying for the wrong card - If you find yourself applying for a regular credit card and you have no credit history, you're already on the wrong path. I can tell you right now you're going to get denied for this card. These types of cards are generally for people that already have established their credit. If you're currently going to school, you're going to want and try a student credit card. If you're not attending school, you may want to try a department store card.

Reasons You Get Denied For a Credit Card

Invalid application - Sometimes when you fill out an application, you may forget to put in some information. This usually only applies to a paper application you send through the mail. Even though the card companies will tell you if you missed a particular field on the form, they don't always do this. It's best to look for the reason you're denied on the card. If you don't see a good explanation, you can always try and call up the card company to see if you get a better answer.

No income - Just because you have no credit history and/or perfect credit, this doesn't mean you're going to get approved right away. If you're currently making no money, a credit company isn't going to risk giving you a card. If you're debt rate is high as well, the credit companies are going to be very hesitant as well. Make sure you browse over your personal finances before you apply for your next card to see if this could possibly be the problem.

The important thing to remember when applying for a credit card is that you look for a card in your credit range. If you have no credit, you will want to apply for a student card. If you have poor credit, then you obviously want to go the poor credit route, it usually isn't that hard to justify what kind of credit you have. As long as you have a good track record and you apply for the right card, you shouldn't have a problem getting approved for your next application.

Reasons You Get Denied For a Credit Card

Tom Tessin is an author for FINDcollegecards.com that is geared toward students looking for student credit cards

Bad Credit, Low-Income Home Loans

Bad credit, low-income home loans are meant for people with a low income and with a bad credit history. Following some legal requirements; most money lenders and banks have increased the number of loans to low-income home buyers with bad credit.

Generally, these loans are available in rural areas. In bad credit low-income home loans, the payment schedule is based on the household income. To obtain such a loan, the applicant must meet certain income limits and have a reliable income.

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Bad credit low-income home loans are designed for the long term, and the interest rates may vary throughout that period. Low-income members of the society with bad credit have numerous difficulties in securing home loans. Closing costs and down payments are some of the problems. Closing costs include title searches for deeds, processing documents, and legal fees. These fees are always fixed, as per the money lender. However, some companies do not require down payments for their bad credit low-income home loans.

Bad Credit, Low-Income Home Loans

Bad credit low-income home loans differ in a number ways. As the financial situations of low-income groups are in constant flux, the risk of default is very high. Most lenders prefer weekly cash repayments. For getting bad credit low-income home loans, you should first submit a loan application mentioning your needs. You should also present an explanation of your credit reports; the explanation should include the reason for the failing of your credit.

There are a good number of companies and money lenders who provide bad credit low-income home loans at low interest rates and with small or no down payments. Several finance companies and banks specialize in high-rate loans to low-income families. Online services are a convenient and fast method to learn about these loans. They provide the details regarding interest options, rate of interest, prepayment, and repayment options.

Bad Credit, Low-Income Home Loans

Bad Credit Home Loans [http://www.e-BadCreditHomeLoans.com] provides detailed information on Bad Credit Home Loans, Bad Credit Home Equity Loans, Bad Credit Home Improvement Loans, Bad Credit Home Mortgage Loans and more. Bad Credit Home Loans is affiliated with Bad Credit Home Equity Loan Refinancing.

Muscle Cars - Looking at the Timeline

The classic muscle autos that ruled the era of sixties and seventies are back. Car manufacturers have begun making modern muscle autos and are bringing them in market with a new futuristic image. Although, most people are not huge fan of such muscle cars, they are actually for individuals who love thrill, fun and adventure.

The significant thing about such muscle cars is that they might not be attractive, but they are robust and tough. The outer bonnets of the cars were tough and clumsy, but despite this, muscle autos, of the 60's and 70's were classy. However, they had some aerodynamic related problems within them. These problems can be attributed to the fact that in those days, car technology was not progressed so much.

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In addition, upgrading the transmission system in muscle cars was not possible in yesteryear. People had to find parts of autos, accessories, and shift adaptors to make the upgrade.

Muscle Cars - Looking at the Timeline

Later, modern sleek cars restored these muscle cars. With the improvement in automobile technology, modern day cars became smoother, have utmost horsepower, optimum fuel efficiency and they run well on tracks and on terrain. As, a result new breed of cars look same. They are compact in size, with higher acceleration power and accommodate few people.

Thus, car manufacturers have increased the size of autos and kept the mechanism same and bought the modern day muscular autos in market.

Features Of Modern Day Muscle Autos:

Earlier, if people were to buy muscle autos, they had few options regarding the same. However, now you have different options, because there are several automobile manufacturers in present days. Modern day autos, launched by big automobile manufacturers have mainly upgraded the transmission range of vehicles.

The system incorporates five to six manual transmission systems and has five to six automatic overdrive transmission systems too. These features are present in almost every modern muscular auto, thereby offering greater efficiency to car enthusiast.

These muscular autos are fuel-efficient and give maximum mileage by consuming less amount of fuel. It includes power steering system and an intellectual GPS system. The stress free air extension technology allows you to drive the auto on rough roads with ease.

You can also buy these cars in customized form. The internal system of these autos will remain same as that of the original muscular cars, but automobile design engineers will create a superior and unique exterior for the car, as per your requirement.

Electric Muscle Cars:

If you are concerned about rising gasoline costs, opt for muscular cars that run on electricity. Many big manufacturers have started manufacturing electric autos and very sooner people will start using such autos on road. All you need to do is just charge the battery of such an electricity car for fixed hours before driving.

However, many people are not in favor of electric cars, because of high consumption of electricity. There are also some other technical difficulties in these automobiles. Once, manufacturers overcome these problems, there might be some downfall in the fuel prices.

Muscle Cars - Looking at the Timeline

Tom Tessin is an author for FINDgascards.com that is geared toward people looking to save on gas with a gas credit card

Prevent Ice From Getting on your Windshield

Scraping off your windshield in the winter can be a royal pain in the butt. If you don't have a garage, you probably dread getting out in the morning and scraping off the ice until you can see through the windshield properly. If you have a garage, well then this article isn't meant for you! Below are some techniques you should consider when you want to prevent ice from getting on your windshield.

Use a special mixture

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I did some research online and found that there are some great techniques you can use with common household items. One of the common recipes I've come across was using 3 parts of vinegar to 1 part of water and simply place it in a spray bottle. Every night before you go in for the night, make sure that you spray all of the windshields with this mixture.

Prevent Ice From Getting on your Windshield

Vinegar will prevent the ice from forming on your windshield. Also remember that you should spray your side passenger windows as well.
If you don't have access to vinegar, you can also use rubbing alcohol as well. All of these items generally run a few dollars at your local grocery store.

Provide a barrier

If you don't like the idea of spraying vinegar and water on your windshield, you can grab an item such as cardboard and spread it across your windshield. The key to this is to make sure that the cardboard is tucked in both the passenger and driver side doors.

In the morning when the ice and snow is on top of your car windshield, simply pull the cardboard off and use your defroster to take away any frost that you have on your windshield. The best place to find cardboard is to either go to a local grocery store to grab some empty boxes they've used or grab some at a local storage place for a small fee.

The two tips are the ones you'll find all over the place when you do research on the net. The best thing to do when researching is to stay away from scummy items that say that it'll prevent ice on your windshield. Most of the times, this spray will be somewhat similar to the vinegar and water. The best thing to do to not only save money and your time is to simply create it yourself.

If the ways above are ways you are uncomfortable with, there really aren't that many more ideas out there that can prevent ice itself. Some auto companies have tried to come out with windshields that were heated along with windshield wipers. This concept hasn't taken off as of late but you can look up patents online to see exactly what it's all about.
If you hate the ice, you can simply move or build a garage if you're that upset about it or you can simply live with it or take actions with the methods above. Who knows, you may have an idea that can save millions the hassle of scraping off ice on their windshield.

Prevent Ice From Getting on your Windshield

Tom Tessin is an author for FINDgascards.com that is geared toward people looking to save on gas with a gas credit card

Buy a Car With Bad Credit With No Money Down

You've got bad credit and dealer after dealer is wanting money down. To buy a car with bad credit, with no money down, you need to know a few things.

First, there are only two reasons that a dealer would want a down payment...

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The most common reason is because it adds profit to the sale. The other less common reason is because it's needed to lower the total amount financed for approval by the lender.  Trying to figure out which is the real motivation to pressuring you for cash is a little difficult so long as, you are depending on the dealer to get you approved.

Buy a Car With Bad Credit With No Money Down

Most people think that if they have bad credit, they have to use the financing offered through the car dealership. After all, the local bank won't give you a loan right? This is a common mistake that can cost you thousands of dollars in outrageous finance charges.

Let me fill you in on a little BIG secret...

Car dealerships mark up the price of the car. Everyone knows that. Did you know that they ALSO mark up the interest rate? Yes, they do. They submit your credit application to lenders. The lender responds with an offer. Let's say that they approve you for a rate of 9%. Guess what? The dealer, knowing that you know you have bad credit will try to convince you that you are approved at 12%. The 3% difference becomes nothing more than profit that the finance manager gets paid a commission on. Guess you pays for it... you. Your payments go up 10, 20, 30, 50 or even 0.00 per month simply because the dealership marked up the interest rate.

The truth is this. You can buy a car with bad credit with no down payment and also with lower interest rates by simply avoiding the dealer finance department altogether. If you know where to look and prearrange your financing (yes it's done everyday), then you can have the confidence to walk into a dealership, pick out the car of your choice based on the amount the finance company preapproves you for and had the dealer a check. This puts the power of negotiating price in your favor.

Car dealers will be jumping over backwards for your business.

Buy a Car With Bad Credit With No Money Down

Find Legitimate Lending Sources Here: Buying Cars with Bad Credit.

(http://www.BuyingCarswithBadCredit.com)

Jason Lanier, Expert Author.