Articles written by Michael Killian - Page 2

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About me - Michael Killian

Mike has been an Internet Guide/Writer in the field of Credit/Debt Management for over 10 years. His site was awarded Best Of Net by Forbes Publication from 2000 to 2005 with site visitation doubling to over 500,000 average views per month in the last year.

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Personal Finance > Managing Credit Beware credit repair services: 3 of 8
File Segregation ScamIf you have filed for bankruptcy or have bad credit generally, you could be the target of a fraud the Federal Trade Commission (FTC) calls "file segregation". In this scheme, you are promised a chance to hide unfavorable credit information by establishing a new credit id. That may sound perfect for your c... More..
Personal Finance > Managing Debt Debt repayment: Is bankruptcy your only option?: 2 of 5
Bankruptcy is available when all other debt payment measures have failed and the unpaid debt is simply beyond the means of the consumer to repay. It is essential, then, to understand debt options prior to bankruptcy and to determine which debt repayment method is the least detrimental. Additionally it is the law of the land t... More..
Personal Finance > Budgets & Saving Proven steps to budget motivation: 2 of 4
If you ever wanted to get ahead financially if you ever thought you wanted to get out from under a sea of debt if you ever wondered where the money went YOU NEED A BUDGET! But how do you develop a good budget and how do you stick with it?Developing a Workable BudgetReview your last 12 months of check registers. If you find an... More..
Personal Finance > Managing Debt Specialized needs in debt management: 1 of 2
The consumer that has good credit and/or needs to maintain lines of credit needs a Specialized Debt Management Service and possibly a specialized Debt Management Program (DMP).There are literally millions who for job protection or expected status or any number of reasons absolutely must maintain credit - nurses, teachers, pol... More..
Personal Finance > Personal Finance (Other) Judgements, liens and other legal issues: 1 of 2
In the field of debt collection and delinquencies, judgments and judgement risk factors are a very real concerns. Will a creditor sue and seek legal judgement against me? If he does, what type judgement might it be? What exactly is a judgement and what can I do about it? These are just some of the questions answered in this j... More..
Personal Finance > Personal Loans Positive aspects of payday loans: 1 of 2
Some time ago I wrote a rather blistering article about Payday Loans which you are welcome to read. But because of its tone, I decided to take a second look at this multi-billion dollar industry in order to learn and to offer you, the reader and consumer, any positive aspects of payday loans.By way of background, payday lendi... More..
Personal Finance > Managing Credit Credit, debt and divorce: What you need to know: 1 of 1
Before a divorce, during a divorce, and after getting a divorce you need to concern yourself with credit... credit establishment, credit files and credit scores. Though divorce and credit is a concern for both men and woman, woman tend to have the greater credit difficulty due to societal standards. Therefore, I encourage wom... More..
Personal Finance > Managing Debt Get out of debt and give yourself a 40% tax-free pay raise: 1 of 1
If you are an employee, you can get a 40% pay raise without ever asking the boss. And it's all tax-free. Similarly, if you are an employer, you can show each of your employees how they can earn a 40% pay raise and it won't cost the employer a thing. Before writing me off as being a pair short of a full deck, read on.The follo... More..
Personal Finance > Managing Debt How does the statute of limitations (SOL) apply to you as a debtor?: 1 of 1
You hear a great deal about Statute of Limitations but what exactly is it and how does it apply to you? In essence, the Statute of Limitations (as far as debt is concerned) is the amount of time a creditor has to sue you. Each state has its own time frame for a Statute of Limitation. (See references below.)The Law.com diction... More..
Personal Finance > Managing Debt Is using your home equity for debt consolidation a wise decision: 1 of 1
When the month continues to live on well after the money is spent, a very logical approach is to utilize the equity in your home to alleviate the pressure. But is this a good idea or a bad one? Take a look.Consolidating may free up your dollars, but at what cost? Usually consolidating debt only prolongs the agony. Clearly it ... More..