Are You an Expert on Financial:Financial Wellness ? This spot is available. Are you an expert on this subject? You could be promoted as the official IdeaMarketers expert on Financial:Financial Wellness. Learn how you could be listed here. Featured Books Winning the Trading Game The best selling book that teaches investors how to trade futures and forex to create a secondary source of income for their lives. More Futures and Forex for Small Speculators Find the entire futures and forex small speculator series books and videos. Learn how to succeed in investing in this exciting arena with as little as $1,000 More Buying Tax Liens Online webinar recording, manual, plus bonus consult and videos on how to buy tax liens online. Includes guide to all the counties that have online tax sales. More Tax Foreclosure Fortunes Learn how to make money on overbids from tax foreclosed homes. This course includes a teleseminar/interview, manual, support documents and bonus e-book. More Tax Lien Investing Basics eds with this audio course. Online course includes 2 audio lessons with manuals on the basics of tax lien and tax deed investing and how to find the tax sale information. The course also includes 2 bonus e-books and 2 more bonus audios. All for only $97! More Expert Tip: Gratitude Unlocks Abundance The best way I know to unlock prosperity in your life is to be grateful. You don't have to 'own things' to be grateful for them. Be grateful for the blessings you were born with -- a body, a mind, a beautiful earth on which to live. Be grateful for sunsets and mountains, for the laughter of a child or a hug from a friend. There are so many blessings we enjoy that do not cost a dime. Start being genuinely grateful for these abundant blessings. Spend time in nature and watch its wonders and abundance around you. Soon you'll see that prosperity and abundance are the natural order of things and it becomes easier to believe that it belongs in your life. You Were Born Rich Video Get More Info Here.

Request Reprint Print About Author Email to a Friend Report Problem Related Books Bankruptcy vs. Debt Consolidation vs. Debt Settlement by John Ames Send Feedback to John Ames More Details about http://http:/www.legallysettledebt.com here. Translate to Spanish Translate to French Translate to German Translate to Italian Translate to Portuguese Learn how your ad can appear here! Get Your Vision Board Iphone/Ipod App and start moving toward your dreams today! Feature Articles: Are Our Grandparents Carrying Our Economic An... Success and Balance... The Top Pitfalls of a Debt Consolidation Loan... - Risky Loans Without Any Collateral... - Same Day Loan No Credit Check: Get money same... - No Credit Check Signature Loans: Easy Funds i... - Efile - The Best Choice For a Fast Refund... - Learn More About Online Share Trading - Share... Click here for more >> There are two types of bankrupties that most consumers file. A chapter 7 or a chapter 13. A chapter 7 is the wipeout that most people associate with filing a personal BK. The laws changed in 2005 and it is now more difficult to qualify. A chapter 13 is a 3-5 year repayment plan where the courts will determine how much you can pay (based on a calculated discretionary income) YOU MAY HAVE TO PAY OFF ALL OF YOUR DEBT. Only save interest and late fees. Debt Consolidation is a program where you make one monthly payment to a company and they disburse it to your creditors. They typically lower your interest rate and the program is for an average of 7 years. "" Approximately 75 percent of the people who enter these type of programs never complete them. The companies who set you up in these programs earn most of their fees from the CREDIT CARD COMPANIES. Your third option is Debt Settlement. Most companies are charging you a total cost of over 65 percent with no legal fees included. Click on the link and go to FAQ (Frequently Asked Questions) to fully understand why they are charging outrageous fees with no legal representation. There is one program out there, which is directly with an attorney with a total cost of 55 percent which also includes legal fees and court appearances as required. Bankruptcy obviously has the worst effect on your credit. It will appear on your credit report for 8 to 10 years. Debt Consolidation is also a black mark on your credit due to the fact you could not fulfill your original contractural agreement. With Debt Settlement your credit score will decrease significantly in the short term (As you will pay the Attorney instead of your creditors). Once your accounts are settled or eliminated your scores will increase. Restoring or cleaning your credit is fairly simple once your accounts are closed. Most companies do not offer this service with the settlement. WHY NOT ? John Ames is founder and president of Legally Settle Debt. John has a MBA with concentration in finance. Ovder 30 years experience in Debt Settlement, Financial Planning, Credit Repair. Contact the Author John Ames More Details about http://http:/www.legallysettledebt.com here. 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