Debt Reduction- Advice On Credit Card Debt Reduction, Debt Reduction Services, And Debt Reduction Plans

Sassy1 asked:


I didn’t mean for this to happen, but I managed to get myself tied into a credit card issue. I am now maxed out, noted that my interest free accounts now run as high as 28%. I contacted a Debt Reduction company that advertised on the radio and found it may be the solution to my troubles. I was told there are pros and cons. Really what cons are there?

Sherry Cheon

loutejada asked:


That’s for all of those who claim he hasn’t done anything

Amendments, that have all passed:

S.Amdt.159 to S.Con.Res.18 – To prevent and, if necessary, respond to an international outbreak of the avian flu.

S.Amdt.390 to H.R.1268 – To provide meal and telephone benefits for members of the Armed Forces who are recuperating from injuries incurred on active duty in Operation Iraqi Freedom or Operation Enduring Freedom.

S.Amdt.670 to H.R.3 – To provide for Flexible Fuel Vehicle (FFV) refueling capability at new and existing refueling station facilities to promote energy security and reduction of greenhouse gas emissions.

S.Amdt.808 to H.R.6 – To establish a program to develop Fischer-Tropsch transportation fuels from Illinois basin coal.

S.Amdt.851 to H.R.6 – To require the Secretary to establish a Joint Flexible Fuel/Hybrid Vehicle Commercialization Initiative, and for other purposes.

S.Amdt.1362 to S.1042 – To require a report on the Department of Defense Composite Health Care System II.

S.Amdt.1453 to S.1402 – To ensure the protection of military and civilian personnel in the Department of Defense from an influenza pandemic, including an avian influenza pandemic.

S.Amdt.2301 to H.R.3010 – To increase funds to the Thurgood Marshall Legal Educational Opportunity Program and to the Office of Special Education Programs of the Department of Education for the purposes of expanding positive behavioral interventions and supports.

S.Amdt.2605 to S.2020 – Expressing the sense of the Senate that the Federal Emergency Management Agency should immediately address issues relating to no-bid contracting.

S.Amdt.2930 to S.2349 – To clarify that availability of legislation does not include nonbusiness days.
S.Amdt.3144 to S.Con.Res.83 – To provide a $40 million increase in FY 2007 for the Homeless Veterans Reintegration Program and to improve job services for hard-to-place veterans

S. Amdt 41 to S. 1 To require lobbyists to disclose the candidates, leadership PACs, or political parties for whom they collect or arrange contributions, and the aggregate amount of the contributions collected or arranged.

First legislation, the HOPE Act, which increased Pell Grants to $5100, and later joined Senator Kennedy on the Higher Education legislation that passed July 20, by a vote of 78-18. That legislation also included funding for Predominantly Black Colleges to assist with counseling, tutoring and other needs of low income students. It also creates the Teaching Residency Act which will create a school-based teacher preparation program in high needs schools to provide each teacher with a mentor, content instruction, classroom management skills, a master’s degree and state certification, and a 2 year follow-up program.

The Coburn-Obama Government Transparency Act of 2006
is an act that requires the full disclosure of all entities or organizations receiving federal funds beginning in fiscal year (FY) 2007 on a website maintained by the Office of Management and Budget.

The Lugar-Obama Nuclear Non-proliferation and Conventional Weapons Threat Reduction Act
Authored by U.S. Sens. **** Lugar (R-IN) and Barack Obama (D-IL), the Lugar-Obama initiative expands U.S. cooperation to destroy conventional weapons. It also expands the State Department’s ability to detect and interdict weapons and materials of mass destruction.
Signed into Law on January 11, 2007.

The 2007 Government Ethics Bill

The “Democratic Republic of the Congo Relief, Security, and Democracy Promotion Act.

Summer Learning demonstration project to provide summer learning grants and encourage new teaching methods

Obama’s Global Poverty Act of 2007, passed out of committee just a few days ago
WASHINGTON, D.C. – U.S. Senators Barack Obama (D-IL), Chuck Hagel (R-NE), and Maria Cantwell (D-WA) and Congressman Adam Smith (D-WA) today hailed the Senate Foreign Relations Committee’s passage of the Global Poverty Act (S.2433), which requires the President to develop and implement a comprehensive policy to cut extreme global poverty in half by 2015 through aid, trade, debt relief, and coordination with the international community, businesses and NGOs. This legislation was introduced in December. Smith and Congressman Spencer Bachus (R-AL) sponsored the House version of the bill (H.R. 1302), which passed the House last September.
I only wrote a few of the ones that have actually passed
Now what has Sarah palin done?
No, thothose are in the US senate, not the IL state Senate
by the way i posted the bill numbers so you can go check them
No Darling, not exagerated, just took a while to research, which not too many people are willing to do
sorry but the research was not from the DNC it was from the Senate
no, the ones I wrote have all passed, there is more, but I got tired of writing

Todd Baier

annabanana4883 asked:


I’ve been filling out the tax forms, and I worked as an independent contractor last year AND had a different job using a W2. I’ve figured out the taxes for the W2 job, and I think I’ve completed the taxes for the independent contractor job (using 1099-MISC and Schedule C). I’m just wondering it there are any deductions that can be applied to the self-employment tax. I’ve already made my deductions on business related expenses (car expenses, supplies, unpaid debt owed to me), but I was wondering if there’s anything else. I am eligible for the Lifetime Learning Credit, but from what I understand, that’s only deductible for the W-2 job.

Is there a way to claim dependents or exemptions from self-employment tax? I have two exemptions. If not, why is it that self-employment tax doesn’t use exemptions?

I know it’s a lot of questions…just trying to figure things out. Thanks!
The instructions provided by the IRS says to deduct any unpaid debts owed to you. Once they are paid, you add it to your income in the year they are paid IF paid.

Young Trostle

Dee asked:


I know you are looking for office related work, but I wonder if you would be
interested in a career change if the money is right. You may not be
interested in this position because of the location or terms. I am sharing
this position with you so that if you are not interested you may want to
refer any of your friends who are looking for work at this time.

Our company is seeking high caliber Financial Planners, who can keep up in a
fast paced, dynamic environment. Our market is comprised of individuals,
professionals, and business owners where our focus in tax planning and
tax-sensitive investing that provides added value. We provide exceptional
training for entry-level candidates with the ability to start part time with
no door to door knocking or cold calling.

JOB DESCRIPTION:

To assist up-scale and emerging up-scale individuals meet long-term
financial goals such as retirement, debt management, mortgage assistance,
college tuition, life insurance and estate planning, with heavy emphasis on
tax reduction. Once a comprehensive financial plan is developed, to assist
the client in all phases of implementation. Also, design and implementation
of 401(k) and other retirement plans, with special emphasis on Selective
Benefits Plan for highly compensated employers and owners.

REQUIREMENTS:

*Excellent written and oral communication skills.
*Track record of success in academic and/or career endeavors.
*Need to set aside 4-6 hours a week for rigorous training.
*Commitment to excellence and high standards.
*Impeccable Integrity: All applicants will be subject to extremely thorough
background checks, including criminal and credit checks.

Commissioned based: $2,400-$3,200/month part time
Commissioned based: $8,000-$12,000/month full time

Please reply with resume and/or contact for more information about this
position.

Location: New Jersey
Compensation: COMMISSION (plus renewals, trails and supervisory overrides)

Neville Bruer

Jason asked:


Does anyone know where I can find a good sample letter to send to a collection agency requesting a reduction of debt owed? I’ve been researching on how to negotiate with collection agencies and have come to the conclusion to keep it all in writing with receipts and proof.

So I decided to mail the collection agency a letter offering a lower amount. After much research I’ve decided on offering 25% of the current debt and working from there, however then I discovered that these agencies have NO motivation to remove anything off of my credit report after the debt is paid.

So I’m looking for a good sample letter offering the lower amount and insisting on complete removal of the item by the collection agency, so far I’ve found this letter

http://www.creditinfocenter.com/forms/sampleletter6.shtml

Will this suffice? Or does anyone know where I can get a better one. There is a lot of information out there about this stuff and its kind of overwhelming to a newbie, so any help is much appreciated.
by written, does that mean a typed letter that is signed by someone at the collection agency will suffice?

Terri

McBass asked:


In light of the fact that in the “town hall” debate, Americans seemed to be most concerned with who could handle the economy to serve them best.
Here is a little Economic Sweepstakes from today’s Chicago Tribune (a conservative newspaper). I thought it might be interesting to see what kind of responses this might get.

Here are your choices:
6 Republican Presidents – Eisenhower, Nixon, Ford, Reagan, Bushes 1 & 2
5 Democratic Presidents – Truman, Kennedy, Johnson, Carter, Clinton
Since World War II:
Which President produced:

1.) The highest growth in the gross domestic product?
2.) The highest growth in jobs?
3.) The biggest increase in personal disposable income AFTER taxes?
4.) The highest growth in industrial production?
5.) The highest growth in hourly wages?
6.) The lowest Misery index (inflation + unemployment)?
7.) The lowest inflation?
8.) The largest reduction in the deficit?

The answers: 1. Harry Truman; 2. Bill Clinton; 3. Lyndon Johnson; 4. John F. Kennedy; 5. Johnson; 6. Truman; 7. Truman; 8. Clinton

Democratic Presidents trounce Republicans 8 out of 8 times! Some other economic FACTS!

-The Dow Jones Industrial Average during the 20th Century has risen 7.3% on average per year under Republican Presidents. Under Democrats, it rose 10.3%.

- Since WWII, Democratic presidents have increased the national debt by an average of 3.7% per year and Republican presidents have increased it an average of 10.1%

- During the same time period Democratic presidents produced, on average, an unemployment rate of 4.8% and Republicans, 6.3%. That is historical record.

In the past seven years, we have experienced the weakest post-recession job creation cycle since the Great Depression, record deficits, record household debt, a record bankruptcy rate and a substantial increase in poverty. We have gone from being the nation with the biggest budget surplus in history to becoming the nation with the largest deficit in history…..

Comments please………

http://www.eriposte.com/economy/other/de…

Sorry Sheeple – I didn’t mean to tax your reading skills!

Traci Thomas

Nikara asked:


Social security reduced my payments by over $200, because of this my mother, and I have had serious problems paying bills. We are in a very serious situation, because of SSI. I have been told several different, comflicting reasons for the reductions. I can not get a straight answer, or get the to respond, or pay back the money. I have gone into serious debt, and am at serious risk of losing everything, because of SSI. How do I get this resolved, and how can we survive until this is resolved? I will say also that before SSI reduced my payments, I was able to pay all the bills without a problem. I am now having trouble doing that, because of the reduction. It is the New Jersey branch that has done this. All attempts at geting answers, or resolving the problem, has been ignored by SSI.

Lyndsey Gall

Adrianne Streiff asked:


1.Key features of the Republican administrations of the 1920s included
a. reduction of quotas
b. expansionism and business regulation.
c. build up of armaments and armed forces.
d. isolationism and laissez faire business policy.

2.Why did many Americans fear Vladimir I. Lenin and his followers, the Bolsheviks?”
a. They promoted a system that was hostile to American values.
b. They refused to pay back Russia’s war debt.
c. They had encouraged other countries to reject socialism.
d. They had abolished the Russian monarchy.

3. Which caused labor unrest in the United States after World War I?
a. Returning veterans refused to work in low-paying factory jobs.
b. The cost of living rose significantly.
c. Cosumer demands outstripped factory production.
d. International trade collapsed.

4. How did installment plans affect the American economy in the 1920s?
a. They inspired Americans to cut back on luxury items.
b. The reinforced the demand for lower tariffs.
c. They fueled the growth of the consumer economy.
d. They led to a sharp decline in average wages.

5. Which was a result of the boom in the automobile industry?
a. New roads were built.
b. Gasoline had to be rationed.
c. The tourist industry declined
d. Workers in Ford plants recieved low wages.

6. Many Americans believed Sacco and Vanzetti were executed because they were
a. subversives trying to overthrow the government.
b. responsible for setting off bombs that damaged A. Mitchell Palmer’s home.
c. immigrants with radical beliefs during the red scare.
d. Communisits agitators who helped organize strikes

7. The industry that did hte most to boost other industries in the 1920′s was
a. oil refining.
b. automobile making.
c. steel production.
d. aviation.

8. Uneven prosperity, personal debt, and overproduction were all warning signs of an unsound economy. Another danger sign was
a. frequent strikes by unions.
b. stock market speculation.
c. welfare capitalism.
d. isolationism.

9. The red scare was in response to
a. the Teapot Scandal.
b. Prohibition.
c. the Russian Revolution.
d. the Kellog-Briand Pact.

10. The economy grew in the 1920s as consumers
a. learned to ignore advertisements.
b. began to buy goods on credit.
c. carefully conserved electricity.
d. invested most of their money in government bonds

Edgardo Ludden

Happy asked:


math in aleast one
10pts

Guy Penaz