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Guide on How to Land Computer Jobs
To become a lawyer, you must graduate from law school and pass the Bar Exam. But to become a computer expert, there's no particular exam to pass, and no particular piece of paper that "proves" you're an expert or even competent.You can get a job in the ...
Hiring for Success
Hiring someone new to work in your business is one of the most critical decisions a business owner makes, although it is not always given the justice it deserves. If a position is vacant, or additional staff is needed, recruitment decisions are often ...
Negotiating the Real Estate Contract
Negotiation is the process of communication back and forth in order to reach a joint agreement. There is no "one size fits all" strategy of negotiating a real estate contract. Many of our clients have been very experienced negotiators, and we have ...
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The first thing you should know is that debt settlement, debt negotiation and debt consolidation are not the same thing, which most people don't realize.
Debt settlement companies may charge you an initial "admin fee" of hundreds of dollars simply to set up your account, plus a monthly service fee. Such debt settlement companies take your money every month, but fail to make the monthly payments to your creditors. Instead, they simply put your money in a trust account, negotiate your debts with your creditors, and then make a single payment when there's enough cash in your account to pay a creditor off in full.
Debt settlement companies often don't ask your creditors to stop the interest, over-limit fees, and late fees from accruing. That means your bills will continue to grow while the negotiations are ongoing, so if you're hit with a lawsuit and a judgment is levied against you, you'll owe more money than when you started the
debt settlement process!
Most debt settlement companies will claim to be able to settle your debt for about 1/2 of what you actually owe, but this is not always true.
A better way to solve your problems can actually be negotiating with your creditors on your own. Most are practical, and will agree to accept a smaller monthly payment from you and halt all interest and fees from accruing. And, of course, you'll save the thousands of dollars in fees that you would pay to a debt settlement company.
Before signing up for any debt settlement service, be sure you check out the company thoroughly. There are some good ones out there, but you have to do your homework. The web is a great place to start. Remember, there are definitely reputable debt settlement companies out there, so you shouldn't make hasty decisions, keep looking for an appropriate firm instead.
About the author:
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Sudan and South Sudan to resume negotiationsChristian Science MonitorAfter weeks of fighting, in which South Sudan took out one of Sudan's last remaining oil fields, the two countries are returning to the negotiation table, under African Union mediation. By Scott Baldauf, Staff writer / May 25, 2012 After a series of ...and more » |
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Negotiation is not a solution in itselfMontreal Gazette“Negotiation” – almost everybody in Quebec still seems to believe in its magical powers to solve the current protest crisis, even after it's already failed once. Three-quarters of Quebecers in a recent poll by Léger Marketing for Québecor-owned media ...and more » |
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