Credit Card Debt and the US Consumer - One Trillion Dollar Tab

$1,000,000,000,000 (this crazy looking number is called one trillion) plus dollars of credit card debt is currently carried on the shoulders of the US consumer. This is such an astonishing milestone that I decided to do a little research and report on US consumer credit card debt. And I'm glad I did because this research led to some very interesting statistics and information.
Consumers have countless credit card choices

The credit card has become as American as apple pie. We all have a credit card and most of us have more credit card debt than we would care to admit. These financial products have been the grease in the wheels allowing the US economy to flourish and grow at astonishing rates over the past several decades.

Brand Positioning and Market Placement - Establishing Your Business Brand in the Market - Marketing Plan Tutorial

The 5th section of a marketing plan is the Brand Positioning and Market Placement description. In this section, the idea is to describe what is unique about your product or service. Naturally following this idea is where your brand or product is placed in the comparative market.

Balance Sheet for Small Business Explained

The "Balance Sheet" is an accounting standard financial document that details the worth of the business at that particular moment. To put it plainly the balance sheet simply accounts for everything
Small Business Finance and Accounting
of value that the business owns and then adjusts that sum with consideration to everything the business owes. The resulting figure is the company worth. The financial world refers to this as "equity".

Being that finance is one of the most important functions of every business, and the balance sheet is an absolute standard of company finance, I have created this resource to explain the details of a small business balance sheet.

Big Business - Examples of the New Dominating Trait Creating Giants

The world of large corporations and big business is constantly changing. Decades ago this landscape was controlled by large manufacturers in many of these giants still exist. Pepsi, PM, McDonalds, and others stand strong. But a new type of giant is emerging. One that has proven they can quickly turn industries such as advertising, media, and retail upside down. These giants have one very effective and often overlooked characteristic at their core that allows them to grow thrive, and often destroy companies with old school business models with little warning.

Professional Tax Preparation Help - Understanding Your Choices

Professional Tax Help
No one likes paying taxes and about the same number of people feel the same way about preparing the financial documents needed to file taxes. It is no wonder why many people decide to hire professional tax preparation help.

The Burden You Settled for to Settle Credit Card Debt - Downside Risk of Debt Relief

There are some definite consequences as well as costly risks that come with debt settlement. Many consumers pursue a credit card debt settlement agreement with their credit card company only to soon regret their decision. This is because they did not understand the consequences or the risks that are involved and most likely they didn't understand what settling credit card debt through lender negotiations took.

Benefits of Debt Settlement - Save Tens of Thousands

If you are overwhelmed with credit card debt you may want to settle your debt. There is good reason to do just that. Here I explain the benefits of debt settlement.

The benefits of negotiating a debt settlement agreement with your credit card company can be life changing. Below I list the benefits consumers often get through a successful debt settlement deal.

Example Debt Settlement Agreement

If you are considering or are already in the midst of trying to settle your debt by negotiating with your credit card company then it is important that you understand the basics of a debt settlement agreement similar to one your creditor may use. A great way to learn is by studying an example debt settlement agreement.

Find Financial Relief - Settle Your Debt - Negotiate with Credit Card Companies

Need Debt Relief?


Settle Credit Card Debt and Save Big Financially
If you like many consumers have found yourself struggling financially and are unable to make even the minimum credit card payments then perhaps you should settle your debt.

At least consider negotiating with your credit card company. If you are truly unable to pay the minimum monthly payments then you may be able to obtain financial relief through a debt settlement agreement.

Home Equity Loan Basics - A Plain and Honest Perspective

Home Equity Basics


"Home Equity" is a phrase that is used to describe a homeowners owned share of the home, or more specifically, the value of that share in a home.

Contact Nonprofit Housing Counselor

Most homeowners have heard of ways you can stop foreclosure through mortgage solutions like loan modification, forbearance agreements, deed in lieu of foreclosure, or a short sale. However, many homeowners don't know what is right for them or may not know how to go about getting this kind of help.

Foreclosure Help from Nonprofit Housing Counselor

If you are a homeowner who has gone into mortgage default and even into foreclosure then you may want to consider obtaining foreclosure help from a nonprofit housing counselor.

Can You Get Government Mortgage Modification help?

Are you a Homeowner in the middle of a financial hardship? Have you fallen behind on your mortgage payments? If so, you would probably be interested in figuring out if you can get free mortgage modification help. Current Government mortgage relief programs can lower your monthly mortgage payment enough to make your home affordable. Which will enable you to stop foreclosure and keep your home.

This article explains who can get Government mortgage modification help through the Home Affordable Modification Program.

Postpone Foreclosure - Delay, Stay, and Never Pay - Mortgage Hardship Strategy

Homeowners can often delay foreclosure and stay in the home
 rent free for long extended periods of time.

Strategy for Homeowners Dealing with Financial Hardship - Postpone or Delay Foreclosure, Stay at Home and Never Pay


Homeowners are able to postpone or delay foreclosure and buy valuable time that allows them to work towards a long-term mortgage solution.

Credit Card Consumer Bill Of Rights

On May 22, 2009, Obama passed the Credit Card Consumer Bill of Rights Act of 2009.

The American Consumer has suddenly become the one consumed. Credit Card Debt has destroyed
Credit Card Consumer Rights
the financial well-being of millions of consumers and their families. President Obama and his administration have taken a stand against high-interest unsecured debt that has resulted from the predatory lending. Obama is putting a stop to the slaughter of the credit card consumer via the credit card consumer bill of rights.