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Debt
Settlement
Consumer
debt is at an all-time high. To get your finances in order,
develop a personal budget. The first step toward taking
control of your financial situation is to do a realistic
assessment of how much money comes in and how much money
you spend. Start by listing your income from all sources,
oline. Then, list your "fixed" expenses-those
that are the same each month-such as your mortgage payments
or your rent, car payments, or insurance premiums. Next,
list the expenses that vary, such as entertainment, recreation,
or clothing. Writing down all your expenses-even those that
seem insignificant-is a helpful way to track your spending
patterns, identify the expenses that are necessary, and
prioritize the rest. The goal is to make sure you can make
ends meet on the basics: housing, food, health care, insurance,
and education.
www.ftc.gov/bcp/conline/pubs/credit/bbcr.htm
Urges consumers to use caution when reading ads pitching
debt relief. Lists what to look out for, and offers tips
if you're having trouble paying your bills. Debt got you
down? promise of debt relief, they rarely say relief may
be spelled Consumer Sentinel, a secure, online database
available to hundreds onlne.
Talk with your creditors. They may be willing to work out
a modified payment plan. Contact a credit counseling service.
These organizations work with you and your creditors to
develop debt releif repayment plans oline. Such plans require
you to deposit money each month with the counseling service.
The service then pays your creditors. Some nonprofit organizations
charge little or nothing for their services. Carefully consider
a second mortgage or home equity line of credit. While these
loans may allow you to consolidate your debt, they also
require your home as collateral.
www.ftc.gov/bcp/conline/pubs/alerts/bankrupt.htm
Get the help you need online.
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