Topics In Medical Malpractice Explained

By Chris Channing

One of the most life altering things that can happen to a patient is medical malpractice, in which a patient is in some way traumatized through interaction with a physician. This often allows the patient to seek a monetary reward for their suffering, making the act of keeping educated on the fact important.

If a physician makes a mistake is some shape or form, they need to confess to their accident and be prepared to better the situation. Even an act as accidental as prescribing the wrong medication can lead to a vast sum of money in terms of reward to the recipient. Clearly, medical malpractice deals with very important issues and should not be taken lightly by either party.

It is sometimes concern that those being sued don't have the money to pay the reward being sought. This isn't the case with physicians, since most are required to have medical malpractice insurance to protect themselves with. This means that insurance companies will be paying for the penalty of the physician- who also has to pay a deductible and will likely face increased premiums from the ordeal.

Once medical malpractice does occur, one's next step is to investigate their options with an attorney. A medical malpractice attorney will be educated enough in the field to firstly tell the patient whether or not they have a case against the physician in question. Next, they can guide the patient through the entire process of making a court case, reaching a verdict, and appealing if necessary. Because of their experience and dire necessity, malpractice lawyers are a definite must for patients.

Most rewards in the medical malpractice area are going to be quite large. In that case, attorneys usually charge quite a bit in obtaining their clients the sum. This is another topic to keep in mind when considering whether or not to opt for a medical malpractice attorney. After all, a medical malpractice attorney is key inf being able to present a solid case and getting the jury to side with the sentiments of the victim.

When opting for a medical malpractice attorney, do go ahead and research several attorneys in one's area. The most inexpensive attorney isn't always the best choice, since not winning the court case will mean the patient doesn't get the money reward, and on top of that they have legal fees to pay. Clients are encouraged to go for a firm that is reputed first, and worry about financing later- since it can cost a win for the client.

Closing Comments

When trying to get medical malpractice compensation, keep in mind that the process is going to be long and trying. The legal system isn't always the fastest, not to mention that doctors usually have access to excellent lawyers. One may wish to settle outside of court to bypass the fees; a decision best discussed with legal counsel.

About the Author:

Learn more on Missouri Attorneys and St. Louis Lawyers.

Getting A Great Deal In Computer Products

By Chris Channing

With technology becoming more important to take advantage of with every passing decade, families and students will have need for a computer to keep up to date. But since computers and laptops are extremely expensive, finding one can be tough. Luckily there are some ways to get a piece of technology without sacrificing one's bank account.

The first thing to realize is that there are different types of computers. These days, laptops are generally less expensive than desktops, since desktops are usually much more powerful. This is great for students, who would prefer mobility over power. And because laptops are increasing in speed each year, the power difference is often negligible.

When buying a computer, a family or individual should think of what they need it for. If one wants to play video games and to other multimedia activities, a fairly decent computer is needed. If a student requires the usage of programs such as Photoshop for course work, they will likely need an even more improved computer called a workstation. Otherwise, the individual can buy a simplistic computer if they are going to primarily use it for email and Internet browsing.

Discount electronics are also easy to come by at certain seasons of the year. Try to get shopping done when these sales start- such as "Black Friday" or even Christmas time. Around August and January there are also sales targeted towards university students, who will need a laptop or desktop to complete their college homework. Buying computers any other time of the season is usually about as expensive, but during these seasons you can get packaged deals and bonuses.

Another option that very few people investigate is to go through a wholesaler to buy their computers. This can sometimes be less appealing, as some wholesalers won't have extended warranty plans, return policies, or other benefits a normal store would provide. This varies, however, and most wholesalers will have electronics at vastly discounted rates. Most wholesalers will also charge a membership fee, too- so keep that in mind as well.

One of the most valuable things that can lead to a discount is simply visiting online retailers and local retailers alike. Consumers will be surprised to learn that many times Internet retailers will have much cheaper prices, but will also see that local retailers will have special in-store discounts: so visiting both is a good idea to ensure one certain product is obtained at the cheapest price.

Final Thoughts

Computers are quite handy in providing us with information and giving us the gift of communication. Just follow the mentioned tips above to get the most out of the computer in question- and don't be afraid to opt for a good deal when you see one.

About the Author:

Learn more on Computer Deals Australia and Dell Australia Deals.

Continental Finance Credit Card - Review

By Dan Moskel

This card is a sub prime unsecured card. This means the Continental Finance Card is designed specifically for individuals looking for a second chance with credit.

When this card is issued it will give you an initial limit of $300. You will be able to receive semi-annual increases to your limit, with a maximum limit of $2000.

This card does report monthly to all three credit bureaus. It is frequently used as a second chance credit card.

This will help your score because it will improve your ratio of debt to available credit. In addition you can create a positive payment history by paying your monthly bill.

If you can improve these two factors you will improve your score. This is because these two factors are weighted almost as much as derogatory items on your credit report.

This card is unsecured which means there is no initial deposit, however because of your low credit score they will charge you an annual fee. Unfortunately this is an unavoidable cost and you will have a fee with any credit card you open with a damaged credit score.

It does offer 9.75% APR, which is well below the standard 19% APR that most sub prime credit cards offer. It is accepted at millions of locations worldwide.

There are easy approval requirements including no minimum income. You can still qualify for this card even if you have a recent bankruptcy on your credit. They offer an instant decision if you apply online.

This card is issued by the First Bank of Delaware. This bank has been a leader in sub prime lending for years.

You will also have online account access with your card. You will be responsible to keep your balance below your credit limit and to pay your monthly bill just like any card.

With a sub prime credit rating your other options include a secured credit card. This is a good choice however the account is reported to the credit bureaus as a secured account and you will receive less benefit to your score because it is secured.

The other option is a catalog card. This is a credit card that is only accepted at a specific location. Do not use these credit cards as they often come with large upfront fees and typically only report to one credit bureau.

In sum we do suggest the Continental Finance MasterCard and with proper use you can rebuild your credit score. You don't have to just live with bad credit you can take steps to improve your score and lower the cost of getting credit.

About the Author:

For more about the Continental Finance Credit Card or for a review of a suggested secured card the Orchard Bank Credit Card visit us.

How To Improve Your Credit Score

By John Cooper

Improving your credit score can seem like a daunting task. The credit bureaus claim to factor in hundreds of things and you have no direct control over your score.

This is incorrect. If you take a few steps you can positively influence your credit score.

1. Remove bad credit items on your report. You must dispute the credit bureaus directly with either a dispute letter or by hiring a service to dispute them on your behalf.

2. If an item is verified then work out a way to pay them in exchange have the item removed from your your credit report.

3. On time bill payment. It is rumored that missing a payment can damage your score up to 50 points.

4. Open a new line of credit. Your score will receive the most benefit if you have a revolving line of credit. We suggest an unsecured credit card.

When you make your monthly payment you will be creating a positive payment history. This is a very large part of your credit score. If you have difficulties opening an unsecured credit card then get a secured card. Double check and make sure your credit card is reported to all three major bureaus.

Your score will get a bump if you can keep your balance at approximately 10% of your credit limit. This shows that you do use your credit and that you use it responsibly.

5. Pay your large debts down. This is called your available credit to debt. The bureaus need to see that you are not in over you head and that you do have credit that is not being used.

These five factors are the only things you need to concern yourself with when trying to improve your credit score. There is one last factor however it is shadowed in controversy.

6. Piggy back credit, this is when you are added as an authorized user on an account with a high credit limit and low balance. The benefit you get is the account is not reported on your credit history.

This tactic was widely abused and the scoring model has made some changes. It is said to have removed the benefit however it is debated as to if those changes have taken place yet.

In sum, focus on steps one through five and you are on your way to a 700 credit score. You don't have to live with bad credit you can increase your score and your quality of life.

About the Author:

To learn more about credit repair or to get a free credit repair letter visit us.

Money And Stress - Find Hidden Money, Time And Simplify Your Life

By Christina Helwig

Take a good look around your life. Are you living efficiently? Can you simplify the processes you use to complete your daily activities? How cluttered is your house? Your office? Your schedule? Your finances, etc.

Simplification is about easing the burden that normal everyday life places on you. When you simplify you are cleaning up and taking away pressures and or things that get in your way. You cannot think clearly and focus on your goals if you are stumbling over children's toys, laundry or a stack of "stuff" that you do not actually use.

To have a clear mind and the freedom to use your time efficiently to you need to simplify your life. You need to get rid of all the "junk" in your home that you have to move around for no reason. Right away you should clear yourself a work space in your home. This space needs to be completely yours and clean at all times. This area should be quiet and preferably be somewhere that you can shut a door and work by yourself.

In addition to cleaning up and simplifying your home you should take a good look at the activities that you have committed your time to. Often in the soccer mom culture we over-extend ourselves time wise. We say "yes" to dinner with a friend when we really just want to have a night off. We over schedule our children's schedules and by default our own time since we are responsible for driving them around and preparing them for events.

What have you said yes too lately that you don't really want to do? Make a list of all your activities and cross off ones that are not important to you. This includes doing things like the grocery shopping. In many cities you can pay a small fee and have all your groceries ordered online and delivered to you. The hour and a half to two hours you used to spend at the grocery store can now be spent working on your purpose. Continue with this activity until you free up over 15 hours a week to spend working on your goals.

If you are married see if the chores are evenly spread between you and your spouse. If they are not - redistribute them evenly. Both partners deserve to have free time to work on their purpose. By sharing responsibilities as a team you allow each other to experience the bliss of working on projects that are dear to your heart.

An area that always needs serious attention is your personal finances. Are there things in your budget that you do not need or really don't have the money for? Are you paying for t.v. channels that you do not watch? What about your home and cell phone? Do you actually use both? Can you switch car insurance to save money? How much food are you buying that just ends up being tossed out? If the family won't eat a certain food, then don't buy it.

Simplifying is purely to take stress off your systems: mental and financial. The extra money that you "discover" once you have reduced your commitments, you will use to work towards your goals. While before you might have believed that you could not afford to allocate anything towards your goals . . . simplification will give you wiggle room in your budget to afford to start putting money towards the projects you care about. Even if it you can only find $50 a month to spend on your goals that is a wonderful start. Over time you will make choices and decide whether a going out for dinner or putting that money towards your purpose is the right decision.

About the Author:

When you change your habits, actions and attitude, your whole life will change. Set aside several moments each day to work on your goals. Click here to learn about how to increase your income and create wealth in your life. This site covers topics from leadership, to tax strategies to growing your business and many more. Christina Helwig is an attorney and Vice-President of Wealth Expressions, Inc.

What will a Collection Company do?

By JR Rooney

What is a collection company?

There are two possibilities.

Some creditors will attempt to fool a debtor by using a separate company name, address, and phone number for their internal collection departments, in order to give the impression of an "outside" agency. This strategy is should only be used when the debt is recent (under six months past due.)

However, the most successful collection activity is performed by an outside third-party collection company. Separate from the original creditors or 1st party they are able to work debts on behalf of all lenders. They, from time to time also buy bad account which have been designated as charge-offs by the original creditor.

This FAQ focuses on third-party collection companies.

How does a collection company get paid?

3rd party collection companies often work on a contingency bases, where they receive a percentage of the amount that they collect. Individual collectors are often paid a low base salary plus bonus based on their personal goals.

Some agencies also purchase large groups of charged-off bad debts for a small percentage of the face value (amount owed.) After a debt is sold, the debtor now owes the full amount to the purchaser. Since the chances of recovery decrease substantially with time, an agency might only pay 1% - 5% of face value. The agencies' profits come from the difference between the purchase price and the amounts that are eventually collected.

How does the collection process work?

The main tools of a collection company are dunning notices and phone calls.

What are the dunning notices like?

The letters are computer-generated, and are often in a standardized series which starts with a friendly, "reminder" tone, and may progress to ultimatums. The letters are pre-written and sent to many debtors; they are not personal.

The initial demand letter must state that the recipient has the right to dispute the validity of the debt (in writing), and the agency must send some confirmation after verifying it with the original creditor. Demand letters must also contain the statement that they come from a debt collector, and that any information gathered will be used for the purpose of collecting the debt. Collectors are not legally allowed to print anything on the outside of the envelope which indicates or suggests the nature of the communication. The return address must also be discreet, so many companies will just use their company's initials, or some other nondescript name.

The debtor's reaction to the letters will affect which letters the agency will select from its repertoire. Cooperation (e.g. making payment arrangements and/or partial payments) may result in letters with a gentler tone. Evasive or hostile reactions from the debtor may result in a more threatening tone.

Collectors try to create a sense of urgency, in order to collect within the shortest amount of time, and to encourage the debtor to prioritize that particular obligation. Deadlines may be set, such as, Pay this amount within ten days. There may also be threats, such as, ...Or we will proceed to further collection action. But most of the time, if a debtor fails to meet the deadline, all that will happen is that yet another form letter will arrive, making the same basic demand. The & further collection action usually just means more form letters.

Collection letters will always encourage the debtor to call the collection company on the phone. If the debtor doesn't call, then a collector will often call the debtor.

What are the telephone calls like?

Individual phone collectors may be assigned a portfolio of accounts, and spend the bulk of the workday, every day, working them. The collectors devotion is fueled by frequent performance evaluations and personal commission payments. The size of a collector's own paycheck is dependent upon how much money s/he extracts from debtors. Between that factor, and the relentless confrontations, this is a very high-stress job, with high employee turnover.

If a collector calls and reaches someone other than the debtor (e.g. a roommate), s/he is legally prohibited from disclosing the reason for the call. Depending on the state, this may or may not include the debtor's spouse. If the collector reaches an answering machine or voice mail, s/he will often leave a message, but is prohibited from explaining the reason for the call, since someone besides the debtor might hear it. The standard message goes something like, "I am calling for John Smith. It is very important that you call me back. My name is Joe Schmo, and my number is 1-631-776-8109." S/he will typically sound rather bored and stilted, with other voices chattering in the background. Collection companies might be required to provide a phone number which is free for the debtor to call. They also may attach their (800) numbers to equipment which instantly identifies and logs the phone number which a debtor is calling from, in order to call the debtor at that number later.

When speaking with a debtor, many collectors (especially those without much experience) will use a script, which contains a pre-written introduction, request for payment, and has various branches to follow, depending on how the debtor responds. If a particular debtor is taking up too much time, without making arrangements to pay, the collector will be inclined to move on to other accounts.

Any information obtained will be used for collection purposes. If the debtor gives information about his/her financial situation (e.g. income or current employment, etc.) it will be recorded on the debtors permanent record and used to estimate the probability of a successful collection and/or the advantage of legal action, and so forth.

Can the collection company actually do anything?

If they are working the debt on a contingent bases, they can send some more dunning letters and make some more scripted phone calls.

They can also mark the item as negative with the credit bureaus. If they are working on contingency, they can recommend filing suit, or if they own the account, they can file suit. However, the actual chances or intentions of this are often significantly less than they try to suggest to the debtor.

Collection companies can not legally seize a debtor's assets, bank accounts, or garnish wages unless there has already been a successful lawsuit with a judgment awarded to them.

Collection companies can not legally make any kind of public announcements or disclosures concerning the debt, except to the credit bureaus.

Collection companies can not legally get a debtor fired from his/her job.

Collection companies can not legally engage in any type of physical violence or threats thereof.

Why do debtors pay?

Many times the reasons include fear, guilt, intimidation, and a lack of understanding of the legal remedies available. Plus it is the right thing to do.

The debtor may feel guilty and ashamed of being a "deadbeat," and may perceive a judgment of his/her value as a person.

The debtor may have greatly exaggerated ideas about what collectors are (legally) capable of doing, and may have outdated stereotypes in mind.

The debtor may be intimidated by the relentless, confidant demands, from companies that may seem so powerful. S/he may take it personally, and assume that great individual attention is being given to this particular debt.

Customers being contacted by collection companies are usually in serious financial distress, and under emotional pressure about the general situation, so they may be confused and defenseless.

Most debtors aren't aware of their legal rights, and feel trapped.

There are two basic things that a collection company can actually do that a debtor should be concerned about. These involve negative info being reported to the credit bureaus, and the unlikely possibility of a lawsuit.

What about credit reports?

3rd party collection companies have the ability to report a debt to one or more of the credit bureaus, as a "Collection Account," including the amount, and whether it was paid or Refused to pay. Paying off a collection account will not result in the item being removed from the consumer's credit reports - it will simply be marked "Paid in full." Collection companies can report debts that they have purchased as well as debts that they are working on contingency.

Also, a collection company may request a debtor's credit file, in order to get an idea of his/her general financial situation, and to get an updated address and phone number.

How long do collection accounts last?

Collection accounts are subject to the normal seven-year time limit for appearing on credit reports. As specified in Section 605 of the Fair Credit Reporting Act, this time limit is based on the date of the original delinquency.

What is the probability that the collection company will file suit?

If the debt was placed on contingency, the 3rd party collection company cannot file a lawsuit. If the balance is large enough and the debtor is being resistant and if there are indications that the debtor has vulnerable assets, the agency may send the account back to the creditor with a recommendation to file suit. Every creditor has its own criteria for the final decision; for example, the amount must be substantial (often $1500 or more, at the very least.)

Collection companies try to avoid sending too many accounts back, it gives the appearance that they aren't very good at collecting. Also, letters and phone calls are much less expensive than filing suit.

If an agency has bought a debt, then they have the ability to sue, but by that time, the debt is likely to be rather old, and the agency doesn't have much invested in it.

Collectors tend to focus on fear and intimidation, since those things can work much more quickly, cheaply, and efficiently than legal action.

Suit is certainly brought against many debtors, but not as often as debtors think. There is a big difference between, "Pay up or we will continue with collection action," compared to an actual Summons And Complaint.

If the debt is substantial and recent, and the debtor appears to be a good target (e.g. reasonable assets or income), a lawsuit is a real possibility. If you are served with legal documents specifying a particular court, hearing date, etc., you should see a qualified attorney immediately. That area is beyond the scope of this FAQ.

How are collection companies regulated?

The most important law is the Fair Debt Collection Practices Act (FDCPA), which places many restrictions on collection activities. The FDCPA only covers third-party collection companies, not original creditors.

All the states have applicable laws regarding such things as telephone harassment.

Who enforces the FDCPA?

The Federal Trade Commission (FTC) oversees the debt collection community, and has the authority to impose fines or other penalties for violations. However, the FTC does not get involved with individual customer accounts. Once they receive a large number of complaints they look for patterns of violations which could then lead to action against a particular collection company.

What if a collection company has purchased the debt?

The agency then becomes the creditor for most purposes. The debtor will not be able to make any negotiations with the original creditor. The agency might be technically able to file a lawsuit against the debtor, (although this is not likely.)

However, the Federal Trade Commission has issued a Staff Opinion Letter which indicates that, even if a collection company has purchased a debt, it is still covered under the Fair Debt Collection Practices Act as a "third-party debt collector."

What about the relevant time limits?

The debt does not become some kind of "new" debt just because of being sold. For example, the seven-year credit reporting time limit is still based on the original delinquency date with the original creditor. The statute of limitations for filing lawsuits is also based on that same date. These limits can not be legitimately "reset" by a collection company that has bought the debt.

However, the statute of limitations may possibly be reset if the debtor makes a specific promise to pay, or a partial payment.

Can the collection company do anything after the time limit expires?

Yes. The statute of limitations only covers the filing of lawsuits, and the credit reporting time limit only covers bureau listings. There is no time limit on letters and phone calls.

A collection company that has purchased a bundle of "out-of-statute" debts (where the SOL has already expired, or "run") is hoping that, either the debtors will feel guilty, or that they won't be aware of that "out-of-statute" status. But if a particular debtor makes it clear that s/he understands the legal situation, then the collectors are likely to give up and move on to easier targets.

Can collectors call the debtor's place of employment?

Yes, but there are limitations. For example, they can not legally tell your employer about the debt, or try to have you fired.

Is there any way to make them stop calling?

Yes. According to section 805 of the Fair Debt Collection Practices Act:

"(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

(1) to advise the consumer that the debt collector's further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt."

So the consumer can just send a 3rd party collection company a written notice (preferably citing the FDCPA), ordering them to stop the collection letters and calls, and the agency is legally obligated to comply. The only permissible contact thereafter is to notify the debtor of specific "remedies," like legal action, but usually the collectors won't even bother.

If the creditor hasn't decided on whether or not to file a lawsuit, then that decision may be made at this point, rather than being delayed.

After a "cease and desist" notice from the consumer, the debt may then be returned to the original creditor, passed on to another third-party agency, or simply filed away, depending on the circumstances. The agency may still report the account to the credit bureaus.

About the Author:

JR is an expert on debt collections with a Collection Company. He works at a Collection Agency

Do It Yourself Credit Repair

By Mike Carbeck

Many people mistakenly believe that they only need to go through an agency, for any hope of credit repair. Please be assured this is not always the case. It is entirely possible that it will cost you more time and money to go through an agency, than it would be to do it on your own. However, before contacting an agency for help follow the steps below and you may be surprised at the results.

Repairing credit on a do-it-yourself basis takes time, patience and dedication. Your first step is to contact the credit reporting agencies in writing and request a copy of your credit report. By Federal Law, you are entitled to this information free of charge every year. The top three credit agencies are TransUnion, Equifax, and Experion, you can find out information about these agencies by doing an Internet search under "Credit Reporting Agencies", or you can even look through the phone book. Be sure to include the following information in your letter to the credit agency:

1.) A request in writing for a copy of your credit report (You are entitled to one free report per year) 2.) A copy of your state issued ID or Drivers License 3.) Proof of your current address if the information is not on your ID or Drivers License 4.) A list of your last known addresses for a period of 5 years 5.) A copy of your social security card 6.) Also make sure to sign the document

You then need to allow 4-6 weeks for you to receive your credit reports. If you have already gotten an annual credit report from another agency, and are not eligible for a free yearly report, you could also receive a letter of denial within sixty days of receipt. If you get a denial letter, copy it and enclose this with your written request as well.

Once you get your reports from all the agencies, you need to sit down and review each one. Make sure the information contained is accurate. Use a spreadsheet or written log to track any differences you may note. Do not hesitate to launch a dispute if you find something on these reports that is invalid or wrong. The agencies will allow you to file an official dispute request online. Your credit reports need to include contact and account information for each separate creditor. Organize this list of your debts and creditors. Most debts that are 7 years or older, may not even appear on your report. Most creditors who do not have any contact with you after 7 years will write off the debt. Some may continue to try and find you, either way leave well enough alone and if something is not listed then do not question it.

You can take it upon yourself to contact a creditor and make payments on an installment basis, if they are willing to work with you. Some may make it very difficult and will demand immediate payment in full. If a creditor is being unreasonable, feel free to speak to their supervisor. Expect that some creditors will be downright rude and obnoxious, do not let this discourage you, just ask to talk to someone else. Keep a written log of conversations and note the name and contact information of the person you speak with every single time.

It may take a while to feel like you are making any real progress, but with your payment arrangement, your credit will fall into place within twelve months or less.

It is extremely important to note that while you are making payments to your creditors, when you mail in the payment, you keep a copy of all your receipts. Always include a self addressed stamped envelop with your payments and request a return receipt from your creditor.

Always get annual copies of your credit report from each agency. Do not over obligate yourself to any other creditors while making payments to another. You may even receive several credit offers in the interim. Learn how to eliminate creditors and throw them out. Keep yourself focused on the goal of getting yourself out of debt and keep track of payments and contact information, dates, times and names of who you speak with.

About the Author:

For more information about eliminate debt. Drop by today at http://www.debtmastering.com.

Chase Credit Card Application Status

By Louis Soul

There is no doubt that over the past years credit cards have become more important to people. Aside from being an effective way of obtaining credit, credit cards also make it easier for people to spend their money the right way.

One of the most popular brand names of credit cards in the market today is the Chase credit card. The Chase credit card is no different to other well known credit cards and like them accepted around the world. Other cards that are offered include auto cards, students and also travel.

So there are a number of reasons to have a Chase credit card all of which will be of great benefit to the user over time. Probably the most used feature is its online capabilities used by workers and other people that have little time to go out shopping. Using the web site, secure of course means that managing your finances is only a few mouse clicks away.

At chase, they want to make managing your finances fast an easy and that is why they have so many happy customers. Chase credit cards also offer many deals and promotions like lower introductory APR's and waived membership fees that allow the holder to save more money.

There is more than one type of Chase credit card and loyal customers can expect to be rewarded when they use the card. For those that don't fly but still want rewards then they can have a version of the Chase card that will award you points when you spend any money. These points will then enable you to purchase from a Chase credit card catalogue and they will have your chosen item shipped to right next to your doorstep! There are holidays, plus other well sought after rewards and all at no charge to you.

Chase credit cards know that if they look after their customers they won't lose them; a philosophy that many companies could learn from. Well all like our gifts but knowing that no matter where you are or what you are doing there is someone to talk to if you need them can often mean much more than material goods. You will really appreciate this if you are abroad and your card is lost or stolen because a new card will need to be sent to you as soon as possible.

If you are thinking about transferring your balance then this is the way to do it with a guaranteed six month zero percent interest rate which also incorporates current purchase balances as well. A no annual charge policy and if you pay your bill in full, there will not be any other interest charges to pay. Having a Chase credit card also allows the holder to earn cash rewards on purchases. If you are considering transferring your account or balance, it is easy over the internet with the secure server.

About the Author:

Mafioso Marketing Success Review offers more accurate information, check out: Your guide to video marketing.

Is A Prepaid Credit Card For You?

By Steven J. Talrechi

Money; specifically credit is something many of us are uncomfortable talking about. It can be tough getting approval for a credit card, especially if you have had some credit problems in the past or worse yet, if you have no credit history. No matter the reason, it can be distressing to be rejected for a credit card. You can work towards building a credit history while having all of the benefits offered by a credit card by using a prepaid credit card.

But how does a prepaid credit card actually work? It is essentially an account into which you can deposit money and access it by using the card to make purchases. You can use a prepaid credit card anywhere that credit cards are accepted. Unlike a traditional card, however, you can only make purchases after you have deposited money in your account. There is a spending limit just as with a traditional charge card, but with a prepaid card, this limit is the amount which you have put on your account.

A prepaid card will give you several benefits that you can enjoy. The first is that you'll be able to develop a sense of spending freedom. With you're prepaid card you'll be able to buy anything from any store that regularly accepts credit cards.

Prepaid credit cards are also a great way to keep a handle on your spending habits. Since you can only buy what you have already deposited enough to afford, you are keeping yourself from overspending and getting into credit card debt. A prepaid credit card is also a good learning tool which can show you how to manage your finances.

You are also largely insulated from identity theft when using a prepaid credit card. Whether you are buying in person, online or over the phone, you can rest assured that even if someone gets a hold of your credit card number, your other accounts are perfectly safe; they can't run up huge bills on your prepaid credit card.

So how to you set up a prepaid credit card. Well you will incur a fee to set up your credit account. Typically it is quite small. Anywhere from $5-$10. Additionally, there are usually fees that accompany any deposit that you are making into your account. Though there are some slight fees for those who have been struggling with their credit or merely want to keep a tight handle on their spending it really might be a viable solution for you.

Let's face facts, we live in a credit driven world today. It seems like you can't do anything without a credit card these days. So if you want to be able to function in this world you need to find a way to have access to a credit card. For those who are struggling with bad credit, or want to keep better tabs on their spending then a prepaid card might be exactly what you're looking for!

About the Author:

Steven J. Talrechi is a veteran on credit for over 10 years. He authors various topics on said field, including application for a credit card, and different credit card offers.

Help Yourself Get Rid of Credit Card Debt

By James Johnson

A sad fact of life today is that too many individuals spend their monthly income to pay off debts. If you've been paying only the minimum on high interest credit cards all this time, you are doomed to pay a great deal more than what you spent. As disposal income diminishes and the cost of everyday necessities continues to climb, people all across the country are saying the same thing: "Help me get out of credit card debt."

If you face the situation and make a plan to get out of debt quickly, you will be much further ahead in the future. Keep in mind that the money you spend now to get out of debt will save you far more in the future.

Start your help me get out of debt program by making a list of what you owe, down to the penny. You can do this on paper by hand, or a spreadsheet on your computer, but you must account for everything. Include not only the balance due, but your monthly payments and how much it is costing you in interest. You will use this chart every month when you pay your credit cards.

Once youve established the amount of your total debt. It will be extremely helpful to start making extra payments to start getting it paid off as quickly as possible. One of the key elements to making your "help me get out of debt" plan work requires that you to make additional payments and when you don't do this, the plan wont work.

If you have a certain amount of money each month that you can dedicate toward reducing your debt, begin by trying to pay off the credit card on which you owe the least amount of money. That will give you a big boost toward helping you get out of debt. The reason you'll wish to do this, rather than focusing on paying off the highest interest rate credit card first, is that a credit card which is paid off looks much better on a credit report than four credit card paid off only halfway.


Once you get your first credit card paid off, you'll feel really good about your accomplishment. You'll realize that you don't have to feel like you're drowning in debt and this can help you push to get the rest of your credit cards paid off.

By sticking with a strict plan to pay off your high interest credit cards, you'll be able to stop praying for someone to "help me get out of credit card debt." Youll have your spending under control, and even better, be able to use your income in more productive ways.

About the Author:

How to be debt free before you know it, look into credit card debt consolidation program http://www.userreviewscomments.com/credit-card-debt-get-your-finances-back-on-track/

Taking Advantage Of A Credit Legal Repair Service

By William Blake

When it comes to restoring credit reports, there can seem to be nothing more important at that present moment. That is because something so simple as a number can hold your entire life back and bring your plans to a screeching halt. There is nothing more embarrassing then being turned down for that new home or car based on a number, which you find to be inaccurate. If you feel that there is something on your credit report that does not belong then it is certainly time to take action.

Generally your basic credit report repair service will be able to assist you but if they cannot, then there are other options available to you. There is such a thing as a credit legal repair service that will also be able to help you if you find that your circumstances require a much bigger answer then that of what the smaller companies can offer you.

When it comes to legal issues, a credit legal repair service company is the place that you would want to use in order to make sure that everything is taken care of correctly and in the right time frame.

Where To Find Them

If you start your search with a basic company and you end up finding that your issues are bigger then what they can handle for you, they may be able to refer you somewhere. That company may have a list of a few credit legal repair services around you that can assist you in your particular situation.

If no one is able to refer you or you just know that you have to start with a credit legal repair service then it is probably going to be up too you to find the right one. If you know of anyone who has used this type of service before then talk with them about their experience. This may help you go in the right direction for finding the right help.

There are also television commercials because there seems to always be an advertisement for a credit legal repair service. Check into what they have to offer and see what all of their services cost. Make sure to shop around so that you are not being taken advantage of but do not go with a credit legal repair service just because they are cheap.

You want to make sure that they are actually going to be able to do the job right all while charging a decent price. You do not want to make the situation worse just because you decided you wanted to save yourself a few dollars.

About the Author:

Are debt consolidation non profit companies the best way to handle consolidation? Maybe, but not always. Find out why on the Inside Debt Consolidation website

Home Business Loans

By Jimmy Johnson

Imagine what it would be like to work from home. Having done all the usual start of day things, like feed and pack kids off to school or brew and drink two pots of coffee yourself, you walk into your study, turn on your PC and start work. Or you stroll round the back of the house open your workshop and begin wood-turning. Or you get into your greenhouse and begin potting parsley with pesto recipe cards. Whatever you do from home you always enjoy the freedom of choosing your own hours, being your own boss, and not being part of the daily commuter hell.

Sounds good doesn't it? So what is holding you back? Money right! It can cost a lot to get started by converting your garage, building a workshop or converting a den to an office. Home business loans are loans specifically aimed at this kind of investment. There are two types of loan, secured and unsecured.

Start up capital can be hard to come by and home business loans can often make sure that the companies are able to start successfully. It is very helpful for almost everyone involved in the situation to be able to rely on the money that will help with the business and make sure that the investment is capable of being made.

With home business loans, people do not have to worry about where the start up capital and money for their own businesses. This helpful aspect is not just helpful to the people that need the home business loans. Additionally, they help the financial institutions that hand out the home business loans.

An unsecured loan is money with none of the backing of your assets. It is a loan in which you simply use your credit rating to help you borrow money from the bank. People who do not have assets for security or do not want to provide security as back up may prefer this type of loan.

About the Author:

Jimmy Johnson is an accomplished niche website developer and author. To learn more about Start your Business visit Home Business Loans for informative articles and discussions.

Wired Plastic Card - Review

By Dan Moskel

This is a prepaid debit card. With the Wired Plastic Visa you deposit money on your card and then you use your card to make purchases or withdraw cash.

It is accepted over the phone and online. You card can be used anywhere you see the visa logo displayed.

You can sign up for free account alerts via text messaging and e-mail. This card can be used to book hotel reservations or rent a car.

The most unique benefit about this card is they offer a rewards program. You earn 1 point for every dollar spent.

You can redeem these points at participating retailers, this includes; Cingular, T-Mobile, Verizon and more. Your points can be redeemed for; ring tones, music downloads, and toward your account balance.

This card is issued by Bankfirst and it offers free direct deposit. There is a low $3.95 monthly fee compared to the competition which ranges from $9.95 to $19.95 a month.

Your card can also be used to write physical checks. These checks can be written to pay your bills such as; cable, utilities, and rent. This will eliminate paying for costly money orders. Your card can be loaded with money through a bank transfer, pay pal, and at over 100,000 retail locations.

There is no credit check or chexsystems verification for this card. It also comes with a 30 day money back guarantee.

Your card will act just like a checking account. If you are in chexsystems it will eliminate the need to purchase money orders or pay check cashing fees.

You must be a US resident and able to identify yourself in accordance to the Patriot Act to qualify. In addition you also must be 18 years or older.

In sum we do suggest the Wired Plastic prepaid visa. It is a great alternative to carrying cash.

About the Author:

For a review of the prepaid accountnow visa or for a review of the prepaid baby phat rush card visit us.

Get Rid Of Bad Credit

By Mike Carbeck

Especially if you're trying to obtain credit, your credit rating is very important. If you have a negative remark on your credit report, work to remove it as soon as you can. If there is just one mistake on your credit report, your overall credit rating will be impacted, and this can make a huge difference in whether or not you're able to get a loan. Luckily, there are ways to remove a negative rating so that your credit score can rise.

First, get copies of all three credit reports, one from each of the major credit reporting bureaus. Then, carefully check all of the information contained in the reports. If you do spot an error, there is a process to get it removed. Here's how to get that negative entry removed so that your credit rating will improve.

The credit reporting companies offer an online form to help you through the process, but it's actually easier not to use this form. Just gather your supporting information to prove that their information is incorrect, and then write a letter to the credit bureau. If you have a receipt, a bill showing that it was paid, or a letter from the creditor to state that the bill has been settled, you should send copies of this information with your letter, as they can help your case.

Be sure that you send this letter through certified mail and request a return receipt. That way you can be sure that they received your information. Once they get your letter, they will review your credit report, and notify you of their decision. If they decide in your favor, get another copy of your credit report so you can make sure that it has been removed from your report.

If you have a low credit rating due to your own actions, there is no way to completely erase that history. However, you can take steps to build good credit, which will raise your score. It will take time and effort, but it can be done. First, pay down your debt, especially credit card debt, and make all of your payments on time.

Another way to increase your credit rating by getting rid of your outstanding debts is by using a debt consolidation program following some effective procedures. Effective procedures mentioned in debt consolidation guide such as the Debt Free in 3 are guaranteed to have produce real results. These programs offer a loan to pay off your old creditors. Then, you'll be making one payment a month, instead of multiple smaller payments to different companies. This is one way to show that you are taking steps to improve your credit rating through smart financial decisions.

To improve your credit rating, make sure that there are no errors in your credit report, and take care to reduce the impact of negative entries.

About the Author:

Learn more of what Mike Carbeck has to share over at http://www.debtmastering.com. There is more to learn on Debt Free in 3.

The utilization of a Quick Pay day Advance

By Clare Colemann

You may uncover that there are a variety of alternatives obtainable to you, if you're looking for a quick pay day advance.|There are a number of alternatives at hand to you if you're looking for a quick pay day advance.

In order for you to be eligible to receive a quick pay day advance all that is usually required is a valid form of identification, proof of residence, proof of income, and a recent bank statement to serve as proof of a valid and active chequeing account.

To assist you with some of your present financial plight, this information should help you to not only understand how these loans operate but also the significance of each of the requirements as mentioned within this article, if you think that a quick pay day advance might be just what you need.

You're basically applying for an extremely short-term loan based upon the net amount that you make with an average pay cheque, when you apply for a quick pay day advance. They are really for individuals who need a little bit of extra cash for making ends meet until they get paid again and are not created to cover major expenses. When applying for a loan in person, you will in some cases have to put down a personal cheque on file with the pay day lender that is post-dated to the date that the loan becomes due, and made out for the amount of the loan plus the lender's service fee, in exchange for the loan.

Verifying all this information supplied by you that they have on file, they will be able to make sure that you are who you claim to be. Your driver's license and post delivered to your home such as utility bills, is proof enough to verify who you are and where you live. |Quick pay day advances will wish you to provide evidence of identity and evidence of domicile, and you should remember this important fact when making application.

All the facts supplied by you, and the address you have given, will put them in a position to monitor that you are who you claim to be. To prove your identity and domicile to them, you can produce your driver's license and mail delivered to your home such as utility bills.

When taking out a quick pay day advance, you're borrowing an amount based upon your income and it's critical that the pay day advance lender will be able to determine how much it is that you make on each paycheck. By demonstrating to them that you have a regular income and how much you make on average when you get paid, you will quicken the loan process if you bring in recent paycheque stubs.

When you took out the loan, you had to leave a predated cheque on file with the pay day lender for the full amount payable, by the due date, and also for him to be convinced of the fact that you have a valid chequeing account. Make sure that you go back to the pay day loan provider's office to collect this, as the loan you took out will be automatically transferred and deducted from your cheque account. Get a bank statement printed out by the teller at your local bank, showing the amount deducted from your account, and take it with you when pick up your cheque. Show this to the lender as proof that the amount owed was in fact paid back to him, so that he can release your cheque.

About the Author:

Next time next you find yourself strapped for cash, make sure you check Clare Colemann's helpful articles Quick Pay day Advances, and how to acquire a Pay day Advance in the UK.