Isaac Gervais

How To Escape Chase’s Minimum Payment Increase

In reaction to the passing into law of The Credit Card Accountability, Responsibility, and Disclosure Act (aka The Credit CARD Act),credit card issuers are raising rates, fees, and charges prior to the phasing in of the acts provisions beginning in Au... Read >

How to Avoid Credit Repair Rip-offs

As the major credit issuers continue to raise interest rates, fees, and payments many card holders will be looking to transfer balances to companies with, for example, lower minimum payments and fixed interest rates. For those with solid credit scores,... Read >

Fixed Rate Credit Cards on the Endangered List

Interest rates with seemingly nowhere to go but up and recently passed legislation by Congress are threatening to turn fixed rate credit cards in to a dying breed. According to bankrate.com, approximately two thirds of credit cards outstanding currentl... Read >

Obama Versus the Credit Card Issuers

As debt settlements, bankruptcies, and the unpopularity of credit card companying continue to increase, the Obama administration reiterated its support behind legislation in Congress that would put restrictions on the imposition of higher fees and intere... Read >

Debt Settlement, Credit Counseling, and the Difference Between the Two

As struggling consumers start looking at debt relief options it's critically important that they understand the difference between their options, the overall effect each option will have on their financial picture, and whether there is another agenda at w... Read >

Debt Relief Options Explained

With consumers awash in debt and an economy that doesn't look it's going to save them anytime soon, the debt relief industry is thriving as new companies offering one or more of the services open for business on a daily basis. Each debt relief option has ... Read >

Debt pros and cons

Pro: Less Harassment If you have ever had credit card debt before then you know how annoying it is to receive calls, letters, and even e-mails asking for payments. Once you enter a debt negotiation program, you'll be on your way to reducing and paying ... Read >

Is Debt Negotiation for You?

Debt negotiation is a relatively new form of debt relief that is gaining popularity for its results in reducing credit card and consumer debt and because the process can also help homeowners avoid foreclosure by making home loan modifications more likely ... Read >

How to beat Higher Interest Rates and Fees on Your Credit Cards

The Credit Card Accountability, Responsibility, and Disclosure Act, which was recently passed into law, is intended to protect consumers from arbitrary and unannounced interest rate hikes, fees, and penalties charged to them by credit card companies. Desp... Read >

How Banks Will Get Even More of Your Money Between Now and February 2010

If you have a credit card, a checking, or a savings account you've probably already noticed that the attached fees, charges, and interest rates are going up. Consider the first half of the year a warm-up for the really big increases going in effect betwee... Read >

Debt Settlement vs. Bankruptcy

If you're struggling with unwieldy credit card debt or other financial obligations, you may be wondering what your options are for relief. Many people look into filing bankruptcy as a possibility for getting out of debt, but there are consequences to ban... Read >

usadebtsettlement.org - Important Questions to Ask Your Debt Settlement Company

If you're in a situation where you required the services of a good debt settlement company, you should be sure to ask certain questions to get the information you need. What services do you offer? You should look for a debt settlement company that off... Read >

usadebtsettlement.org How Debt Settlement Can Help Against Banks

The great thing about debt settlement companies is that the really good debt settlement companies will give you straight answers. For example, banks are currently in a "survival mode" that could last for years. Thing is, banks will never actually admit ... Read >

Does the Government Advocate Debt Settlement?

Some people wonder whether debt settlement is a safe or wise course of action. For those who look to the government provide advice on how to get back on their feet, the question is simple: does the government advocate debt settlement. The answer is equ... Read >

Shocking Facts of Bankruptcy

Obviously, making the choice to file bankruptcy is a big decision. If your debt is overwhelming you and you're looking for a quick and easy way out, you may be thinking of bankruptcy. In some extreme cases, bankruptcy may be the only option, but if you ... Read >