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80/20 Mortgages
These are listed under "Second Mortgages" See Can Two Mortgages Cost Less Than One?       Using a Second to Avoid a Jumbo Loan Search my site for 80/20 mortgages. Copyright Jack Guttentag 2004 ... more...

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Bankruptcy Look for the Warning Signs
The Bankruptcy Abuse and Consumer Protection Act, signed into law last April, will take effect this month and bring with it some of the most sweeping changes in debt law in history. As the new requirements are much more strict, expensive, and time consuming than the old ones, consumers with ... more...

Student Loans Cant Be Swept Away Through Bankruptcy
Bankruptcy is in the news these days, as Congress has finally overhauled the Federal bankruptcy law after years of talking about it. The credit card companies, rightly or wrongly, have been pressuring members of Congress to tighten the bankruptcy statutes, saying that too many people were ... more...

Best Bad Credit Loans
Shopping for the best bad credit loan? Then you know it can be time consuming and frustrating. But there are several lenders who offer financing for people with bad credit if you know where to look.First, you must realize that bad credit interest rates are always higher than for someone with a ... more...

Free Credit Reports For You
American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy of your credit report. This is good news for consumers; please ... more...

How Auto Title Loans Work
If you own your own automobile, Auto Title Loans can be a source of funds during a cash crunch.As long as you own the title to your auto free and clear, without any liens against the vehicle, you can qualify for a Title Loan within minutes. No credit checks are necessary as your auto is used as ... more...

Why You Should Get Out of Debt Today?
The main reason for getting out of debt today, is because people with little or not debt have more control over their future:1. They have more discretionary income, meaning that you won't be living pay check after pay check as you probably are right now. Can you even imagine how nice it is to be ... more...

Repair Your Credit - The Right Way!
How to Repair a Bad Credit RatingThe Right Way!If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once you have a bad credit rating, it might seem like there's nothing that you can do about it but you don't have ... more...

Facing Foreclosure? Working Out an Alternative Payment Plan Can Save Your Home
When the foreclosure of your home by your lending institution seems to be looming just around the corner, it can be a frightening and embarrassing situation. But if you happen to be facing foreclosure, it's important for you to contact your lender, have an open, honest discussion about your ... more...

Good Credit Is a Necessity for Everyday Living
Most of us want a good credit report to obtain vehicle financing, credit cards for emergencies and luxuries, and to finance a home mortgage. However, beyond these consumer loans, a great credit report makes your life easier.Having a credit card means that you can order tickets, rent a car, and ... more...

Bankruptcy and Debt New Law May Hurt Katrina Victims
The world remains horrified at the tremendous destruction caused throughout the Gulf Coast recently by Hurricane Katrina. An unknown number of people are dead and thousands more are homeless, jobless and completely destitute. It may be months before the city of New Orleans is inhabitable again, ... more...

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