Sometimes the best measures to prevent identity theft fail; in such cases, the next best thing is early, or rather, the earliest identity theft detection. How do you do that? How would you know when your identity has been stolen and misused? Fortunately, there are ways to do this:

-    Set up fraud alerts with the three major credit bureaus. This means that credit providers would be extra careful when opening a new line of credit in your name. Often, this is simply phone verification with the applicant before the credit is approved. However, if the thieves have enough of your information- this action may fail. Though not foolproof, it is often enough to dissuade the thief.

-    Credit caps – This is an excellent way to insure that you will never have to worry about paying for genuine or fraudulent purchases above a pre-determined amount. This action causes the credit company to freeze or suspend any further purchases once that amount has been reached.

-    Alerts for each credit and/or payment made through credit/ debit cards – Alerts are an excellent way to tell you in real time what is happening to your financial life. This is one of the easiest and most popular ways of identity theft detection. It helps you quickly identify activity which you did not initiate and allows you to take proactive measures immediately.

Source:   3 Methods for Easy Identity Theft Detection

Most people do not pay too much attention to mail identity theft, but this is much more dangerous than it seems. For one, you are most likely to have private information somewhere in your inbox that the identity thieves can put to fraudulent use.

Another reason is that the thieves would get ahold of all your contacts and possibly financial or other sensitive information for your friends, relatives and colleagues that are listed among the correspondence in the email inbox.

Something as simple as a birthday card can be used to commit fraud. For example: Happy Birthday, Grace! Remember when we grew up on Spruce Street in New York and you fell off the bike uncle Mike bought you? I still laugh. Glad you’re moving closer to me. Can’t wait until you get to Maine!!! (We need to find me a husband)  Love Always, Jane Apple.

In this one birthday card, a thief has gotten the recipients’ full name (including their maiden name), a former street name and city where they lived, two family member names, their birthday and where they will be moving to in the near future. Many of the things needed to prove identity for credit purposes at any time.

Yet another way that mail identity theft can harm you and your dear ones is when the thieves appeal to some or all of your friends/ family, seemingly on your behalf, for funds. There have been many instances where friends sent money for their “stranded friend/ family member,” only to discover later that they had been duped by hackers.

It is important, therefore, never to keep private information in your emails, even if seems innocent enough. Ensure that you delete any such email that comes with login and passwords for any financial and/ or non-financial accounts. Remember, mail identity theft can jeopardize your financial security, cause havoc among your friends and family and leave you all vulnerable to further financial devastation.

Source:  Mail Identity Theft – More Dangerous Than It Looks

Some of the best ways to protect against identity theft are by using common sense. Of course, you will also need to educate yourself on how identity theft happens and how often it happens, so you will understand what will give you the best protection.

-    Change your passwords often and never keep them written down in your wallet, handbag or stored on or near your computer.
-    When accessing your bank from internet cafes remember to clear all passwords, logins and if possible the cache in the history folder. If you cannot personally clear the history- ask an employee to do so in front of you.
-    Always watch for the little lock on websites. That lock is designed to show when you are using a secure network.
-    All bank and financial transactions should always be made only on websites that start with “https://”; the “s” is for secure. If the website address reads only “http://”, it is not secure and not safe for financial transactions. Also, ensure that the site does encryption of vital data.
-    Be very alert about messages that ask for personal information through email; be even more cautious if it uses an “emergency” as the reason for needing the information immediately.
-    Closely monitor your credit card statements for excess payments or payments or transactions that you do not remember making.
-    Shred financial documents you do not need to prevent identity theft. A decent shredder can be bought for around $20. Diamond cut shredders are best.

Source:  Identity Theft – Protect Yourself Today

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The solution is to ensure that you are protected against credit card theft to the best of your ability. A few no-cost suggestions are listed below:

-    Keep your credit cards carefully in a wallet or purse in front of your body instead of in your back pocket or on your shoulder.
-    Take advantage of credit card fraud protection assurance from your credit card provider. In such cases, all you have to do is reach the nearest phone and inform the credit company of the loss of the card. By doing this, you would be exempt from paying for any purchases made after the company was informed of the loss.
-    Have the number on hand (more than likely toll free) and/or any other means to contact the credit card provider. Remember if you lose the card- how will get the number off the back of the card?
-    Photocopy your credit cards for ready reference of the numbers and other details in the event of credit card theft. Also photocopy all identifications in the event that those are lost as well, in order to prove your identity.

Source:   Credit Card Theft – Be Protected

The bankruptcy code 523 is the clause which describes or lists the types of debts that cannot be included for discharge, even when you file for bankruptcy. These are debts that the person who files for bankruptcy will still have to pay regardless of financial circumstances.

Among the debts that fall under the bankruptcy code 523 are:

-    Education loans
-    Taxes and custom duty
-    Any type of credit that was obtained fraudulently
-    Any debt not listed under section 521 (1)
-    Funds obtained through embezzlement of any defalcation while acting in a fiduciary capacity
-    Alimony, spousal support or child support payments
-    Any willful destruction of anyone’s property
-    Fines, penalty or fee payable to the government
-    Monies owed for injury or death caused while driving under the influence of drugs, alcohol or any other substance
-    Funds payable following an unreviewable order or decree, or consent order of the USA

There are other items on the list. What the bankruptcy code 523 seeks to do is clarify all such debts that will not come under the general protection of bankruptcy status, where the Court automatically stays all debts.

Source:   What is bankruptcy code 523?

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If you are late by more than 30 days on your mortgage payment, the lender can declare the mortgage in default. When this happens, the owner of the house has two choices – either pay the mortgage amount due immediately or face a foreclosure lawsuit that would auction off his/ her home to recover the mortgage costs that were outstanding. If you are currently facing this scenario do not despair– you can stop foreclosure without bankruptcy declaration. In order to do this, the property owner must utilize the Chapter 13 clause, which allows the house owner some time leeway in which they could pull together resources in order to pay the lender.

Chapter 13 is a very powerful tool for people who wish to keep their homes – but it requires following stringent rules so the money due could be repaid in the court allotted time. The mere fact that you can stop foreclosure without bankruptcy is enough for most people to accept any conditions stipulated during the process. With that being said, it is best that you educate yourself on the stipulations of the Chapter 13 clause of the Bankruptcy Act so that you fully understand the process, the ramifications, the projected goal and the consequences of not meeting the specified deadline. In most cases, at least a consultation with a qualified professional is recommended.

Source:  You can stop foreclosure without bankruptcy – did you know this?

The cost and process of voluntary bankruptcy differs very much from that of an involuntary bankruptcy. Before you decide to make use of this legal proceeding, you need to understand the pros and cons of such process. Each state has its own rules, so ensure that you do sufficient research and weigh your options carefully. Bankruptcy follows filers for a very long time and is not a process that should be undertaken haphazardly.

If approved, the court would then decide what assets would be sold to enable the creditors to recover whatever possible of their outstanding debt; and what assets would be protected under a clause known as “minimum livelihood necessities.” Voluntary bankruptcy is a double-edged sword to be used with extreme caution. It is best to seek the advice of a well- qualified, experienced attorney to guide you through understanding the process before you decide to file for voluntary bankruptcy.

Source: What is voluntary bankruptcy?

There is plenty that can be accomplished by merely sharing your identity theft story:

•You build awareness about the “modus operandi” (method of operation)
•Prevent the same identity theft story from happening again to others with the same vulnerabilities
•Bring your case to the attention of the authorities so they can work on finding ways to track such theft or build measures for safeguarding against future crimes
•Help in identifying the thieves and bringing such said person to  justice
•You will teach that there is no shame in being a victim and that the power can be taken back from the criminals

Besides, when you come out and share your experience with others it can help you heal. Most victims explain that they felt violated, frustrated, filled with rage, depressed among others – and sharing the identity theft story facilitates and accelerates healing.

Source:  Share Your Identity Theft Story – Save Others from a Similar Fate

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•Pro Se bankruptcy filing – This is when you file for bankruptcy yourself. This involves free legal assistance, and you can even file a court motion to waive the bankruptcy filing fee. This is a good recourse, when you know what you are doing; if not, this method could drag you in to more problems than you can imagine. Tread this path carefully because it could end up costing you much more in the long run.

•Cheap bankruptcy by hiring a bankruptcy petition preparer’s services – This is a low-cost option of hiring a professional to assist you in the bankruptcy process. This is an excellent option when your bankruptcy case is as simple as it comes, yet, you do not feel comfortable doing the process all yourself.

•Hire a new (inexperienced) bankruptcy attorney – This is another cheap bankruptcy option, but not without its risks. Very often you find this professional by “word of mouth.” Look for an ambitious young professional who is knowledgeable in the field but charges minimally because of lack of experience in the actual field.

Source:  How do you file “cheap bankruptcy?”

Many people justify their action by saying to themselves “what could someone do with my identity?” The thief could use the stolen information to make expensive purchases using your credit card, open a new credit card account in your name, take a major loan in your name – and even get arrested using your name. When such things happen, the “best case scenario” is that you have to pay some thousands of dollars for credit that you have never used. The worse can be anything from complete financial ruin to jail for fraud or even for a crime that you never committed.

Unfortunately, until it is proven that you are a victim of identity theft; you will be fully liable for all that the perpetrator does in your name or under your line of available credit. This is where identity theft lawyers could be priceless for you, as they would find the best ways to protect your interests when such calamity happens.

Source:  Why Identity Theft Lawyers Are Important?

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-    Look up and enroll with ProtectMyId (http://www.protectmyid.com/) which will monitor your identity on a daily basis and send you an alert if there is any suspicious activity with the sensitive information stored in your files

-    Request and check, in depth, a yearly list of your medical records. Check meticulously whether all the entries are accurate. Inquire expeditiously into any inaccuracies.

-    Keep your bank health card safer than you would keep a credit card. Medical expenses do have the potential to blow a tremendous hole in your pocket from which you may never recover

-    When medical reports/ bills come, read them. Do not simply look at the ‘amount due’ line, but check each line above it so that you are confident that all the services being billed were actually rendered to you.

Source:  Medical Identity Theft Can Be Very Traumatic – Protect Yourself

Credit fraud alert is an extra precaution added by the credit bureaus for your protection. This means that whenever there is an application made for a loan, new credit card, or any other type of credit account using your social security number-   you will be contacted by phone for a one-on-one verification that the credit application is indeed being opened by you and/ or is being completed with your knowledge.

Setting the credit fraud alert is very easy. Call each of the credit bureaus fraud departments’ at the following numbers and instruct them to have your file flagged for credit fraud.

-              Equifax Consumer Fraud Division  (https://www.alerts.equifax.com)
Phone: 800-525-6285 or: 404-885-8000
Fax: 770-375-2821

-              Experian’s National Consumer Assistance (http://www.experian.com/fraud)
Phone: 888-397-3742

-              Fraud Victim Assistance Department (no online fraud alert application available)
Phone: 800-680-7289
Fax: 714-447-6034

Your credit file will be flagged within 24 hours and you will receive a confirmation by mail within 1-2 weeks. If more than 3 weeks have passed without any such written confirmation, call again to inquire about the request you initiated for credit fraud alert.

Source:  Protect Yourself From Credit Fraud

Data theft is an easy crime to commit because most people do not stop to make a critical analysis regarding the inqueries that come from such websites because they look so real. As an educated consumer it is necessary to keep in mind that there is personal information that you should not provide over the phone or by email under any circumstances- especially if you did not initiate the contact. Here are some of the “not-for-disclosure” items:

-    SSN number
-    Customer ID and/ or password for any bank accounts, financial transactions or websites
-    Date of birth
-    Place of birth
-    Yours or your mothers’ maiden names
-    Your work place address
-    Your residential address
-    Your phone number
-    Your cell phone number
-    Your bank account number
-    The answer to secret security questions

Beware when any entity asks you for any of the above or similar types of information. Alert the bank/ email provider/ business entity etc., through a contact which you have initiated explaining that you have received such requests and verify immediately its accuracy to prevent data theft.

Source:   Is data theft easy?

While it is a good idea to educate yourself on matters regarding bankruptcy, you might not be able to learn all that there is in the short time you have to present your case to the Court. The bankruptcy consultant will provide you with invaluable insights on how best to help and prepare yourself while filing for bankruptcy- both before, during and after the case is closed. There are even instances when the consultant can point you to methods that will possibly prevent you from filing for bankruptcy altogether.

The bankruptcy consultant is normally able to provide you with superior debt management plans that can lead to elimination or great reduction of your debt. The consultant will also be instrumental in helping you restore your credit score and records.

Source:  Bankruptcy Consultant – Your SOS response

Under the Chapter 11 bankruptcy code, the debtor will remain in possession of the company; while the trustee gains the powers to re-structure the company and redirect it towards financial freedom. The debtor is empowered by the Court to accept or reject any new contracts. The debtor also has the freedom to look for and obtain loans or other means of financing that would be required to salvage the company.

During the imposition of the Chapter 11 bankruptcy code, the debtor is protected from litigation and creditors as it enjoys a Court ordered stay against debt collection.

Creditors in such cases, however, can file against the invocation of the Chapter 11 bankruptcy code by the company and demand payment. The Court would then hear the complaints of the  creditors and rule whether the restructuring of the company can solve the present financial crisis to cover all debts. If the court determines that the company should be allowed to recover financially, it would then order the creditors to stop collection attempts.

Source:  Chapter 11 bankruptcy code – What is that?

Myth – If you have a job you are not eligible to file for bankruptcy.
Truth – The US Bankruptcy code specifically says that you should have a job to be eligible to file     under Chapter 13.

Myth – You cannot include medical bills under bankruptcy
Truth – All unsecured debts are dischargeable under bankruptcy and that includes medical bills,     credit card bills, personal loans, and so on.

Myth – You have to repay your debts in full when you file for bankruptcy under Chapter 13
Truth – Chapter 13 under the US Bankruptcy Code advises repayment of debts that range from     0% to 100%. The actual percentage is always dependent upon your financial history,     priority of debts, your present property and the value of your disposable income.

Myth – When you file for bankruptcy you lose everything you have; you are literally left with     just the clothes on your back
Truth – As many as 95% of the bankruptcy cases filed do not cover a number of assets and hence     the debtor keeps them. An attorney would be able to help with salvaging a good portion     of assets.

Source:   Bankruptcy Myths Exploded For Your Benefit

It is not as simple as it may seem to file for bankruptcy. Bankruptcy court cases can be real nightmares, unless you are thoroughly prepared for the fight, which there will undoubtedly be one. Also, unless you know all of the legalities of bankruptcy, you may not be able to save your personal property while in the process of declaring bankruptcy.

In order to safeguard against such a devaststing crisis it is strongly advised to seek legal advice from bankruptcy court case professional. It is important to view the costs as a necessary expenditure on your way to financial prosperity. In the long run, with the help of such expert advice you may be able to save much more of your property and have a more favorable outcome from your bankruptcy court case.

Source:  Bankruptcy Court Cases – The Risks Of Filing

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The person who is filing for bankruptcy should be aware that court ordered payments such as alimony, child support and maintenance are also exempt from protection under bankruptcy rules. If in your particular case there are any of the aforementioned debts, it would be best to consult a lawyer regarding the best way to proceed under the circumstances. It is important to be aware and fully understand all the exceptions that Bankruptcy Code 523 allows for while filing for bankruptcy.

In many cases, after consulting with lawyers, filing for bankruptcy does not seem as much of a financially sound planas it had before. It is important that you educate yourself regarding the Bankruptcy Code 523 before taking this drastic step. The financial implications affect your stability now, as well as, in the future.

Source:  Bankruptcy Code 523 – Exceptions To Discharge Of Debts

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The lawyers too, would charge one fee, as he/ she would be defending only one case instead of the two cases for each of the individuals in the marriage. This clause is also highly beneficial when the majority of the debts of each individual are common to both spouses.

In the event one spouse does not agree to file under joint bankruptcy, the non-filing spouse could be protected from collection attempts as long as the filing spouse qualifies to file under Chapter 13 of the US Bankruptcy Code. The non-filing spouse could invoke the co-debtor stay under Section 1301 of the US Bankruptcy Code.

Source:  The Special Considerations Of Joint Bankruptcy

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To enjoy the benefit of the Chapter 10 bankruptcy clause, the company would have to allow the Court to review its current financial condition without any limits. It would also have to accept the recommendations to reorganize itself as per the advice of the manager appointed by the Court to clear its current debt issues. The Court would carefully examine the situation and if it feels that the company is salvageable – in other words, it is possible with the help of reorganization to come out of debt, it would grant the company protection from debtors under the Chapter 10 bankruptcy clause.

Until the debt is cleared the manager would be the link between the company and the Court. The manager would also continue to have full jurisdiction over the operations of the company until the financial matters are resolved.

Source:  Chapter 10 bankruptcy – What is this?

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The Disadvantages

-    If one spouse filed for bankruptcy earlier he/she cannot file under joint bankruptcy
-    If the husband-wife combined debt exceeds the limit permissible under Chapter 13, you cannot file under joint bankruptcy

The Advantages

-    Saves money on legal counseling fees
-    Each spouse can file for personal exemptions and thereby protect more assets together
-    Collection agencies will not hound one spouse with requests for payment
-    Easier to file for joint bankruptcy than to file separately

Review information carefully for all the advantages and disadvantages of filing bankruptcy through online research. You may find that many terms are different depending on where you live. You also need to contact a bankruptcy expert to receive case specific advice about your financial situation. Be careful when you make this decision since this will affect both spouses credit reports. Your decision should take into account your goals, assets, future financial obligations and the affect this decision will have on both spouses as well as any children in the family.

Source:  Joint bankruptcy – Is this a Good Idea?

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Filing bankruptcy in Oregon is a good option if any of the following statements apply to you:

-    Your bills are too long overdue and you do not have any concrete plans or ability to get any additional income to pay these bills
-    You are unable to pay your mortgage
-    You are unable to make even the minimum payments on your credit card balances
-    You have lost your primary source of income/ job and you do not see an ability to get a new source of income in the near future
-    You have suddenly incurred a huge medical expense

The following debts/ payments due/ financial obligations will not be covered/ exempted when filing bankruptcy in Oregon:

-    Student loans
-    Child support and alimony
-    Fines imposed by the Oregon government
-    Cash advance made within 90 days

Source:  Filing bankruptcy in Oregon – The Pros and Cons

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First of all, not everyone will qualify for bankruptcy. After the bankruptcy laws were amended in 2005, there were many sub-clauses (for example, Chapter 7) that would give consumers the ability to redress their debts without filing for bankruptcy.

Monetary Implications Of Bankruptcy

Before you file for bankruptcy you will need to undergo bankruptcy credit score counseling 180 days prior to the bankruptcy filing. You will also need a certain amount of expert legal counseling that may cost you anywhere between $1,000 to $2,000. Bankruptcy is definitely not the cheap alternative, even when you have reached the absolute rock bottom with your finances.

Credit Report/ Score Implications Of Bankruptcy

This is one of the most significant implications when filing bankruptcy as this will remain visible on your credit report to financial companies, employers and anyone else who requests your  credit score report. It will take 11 years before this is removed from the report; and that is a very long time.

It is possible to improve your credit score over time with proper financial discipline and smarter financial choices. However, this a very arduous process and can have lasting effects for years to come. You must always keep in mind your financial goals and the timetable for reaching those goals before deciding which course of financial relief to utilize.

Source:  Implications Of Bankruptcy – Is This Freedom From Debt Worth It?

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1.    Student loans – This loan is not covered by bankruptcy solutions. Hence, if you are in trouble due to your student loans and declare bankruptcy in the hope that this will solve the problem, be aware that this is not true. You will still be liable to pay the student loan back and you will have the report of a bankruptcy on your credit report for the next 11 years. In order to seek relief for student loan payments you should contact your lenders and try to renegotiate the terms of your repayment. Some options are an “income- contingent” repayment plan as well as temporary forbearance.

2.    Child Support -  This is another field that will not fall under the relief of bankruptcy. In the eyes of the law this debt is not going to be relieved without your actual payments. Child support and alimony are not considered debts as much s they are considered financial obligations that do not warrant bankruptcy relief.

3.    Criminal fees/ fines – No bankruptcy solutions will delete criminal fees or fines. Hence, declaring bankruptcy will not resolve such issues. Again, this type of debt is considered unforgivable and thus must be paid by the individual. You can attempt to enter into a new repayment plan but often times you must show the court extreme financial hardship in order to qualify for a change in repayment terms.

Source:  Bankruptcy Solutions – What Is Not Covered Under This Umbrella?

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1.    Second Credit Report – It is not possible to have a second credit report; not legally.  If any credit repair agency claims that they can avail you of the use of a second credit report, it is definitely a credit repair scam.

2.    Credit Repair Takes Time – There is no ‘urgent’ delivery in this business. If anyone tells you that they can improve your score overnight, beware; you are falling into a credit repair scam trap. Often times what the fraudulent company does is dispute every blemish on the credit report which gives the illusion of a repaired report. However, once the investigation is completed by the credit reporting agency and by whomever the debt is owed, it will be clear that this was a fraudulent attempt at raising the consumers credit report or to eliminate a debt by committing fraud. Remember, any and all actions done on your behalf are ultimately your responsibility and you will  have to face the consequences for illegal actions taken on your behalf. Often times by the time you realize that you have been a victim of a credit repair scam- the agency is long gone with your money and leaves you with no ability to trace them down.

3.    Credit Repair Emails – Are you getting offers via email that seem too good to be true? They are exactly that; they are lies. Be very wary of such emails. Never give any financial information through such emails, or any email that was not initiated by you through a secure and verified website. Also, be very careful as to how and when you respond to emails requesting your sensitive financial information, a copy of your identification or a request for your previous address or your mother or fathers information. Sometimes the simplest piece of information in the wrong hands can cause a catastrophic financial blunder that can be difficult to recover from.

Source:  Credit Repair Scam – 3 Danger Signs

Credit cards are used for a large gamut of services – not only for buying goods and services online and offline. In many places, credit cards serve as proof of ID. Paypal, for example, requires you have a valid credit card before they approve your account. With the immense acceptance and popularity of this mode of payment came the potential for credit card fraud.

Be aware that banks have introduced a second and third layer of Payer Authentication System PIN that will protect the payer at a different level while paying for goods and services online. However, credit card fraud is still possible during offline transactions. How do you prevent that? Here are some tips to help keep consumers aware of the transactions on their accounts before a statement is mailed out:

1.    Check when signing the counter slip that the amount is correct. Also ensure that you are not inadvertently signing two copies of an original receipt which can then be used to purchase goods under your available credit.
2.    Subscribe to sms to your mobile phone for every transaction made. This allows you to keep track of your spending in real time.
3.    Have the credit card company provider verify when payment are requested over a reasonable limit, say $200. What this means is that the credit card company will call you before they will approve any transaction over the set limit, allowing you to catch potentially fraudulent activity.

Source:  Credit card fraud – Be Sharp About Your Security

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The cost of identity theft ring start-ups is next to nothing when you consider that each individual victim might lose a minimum of $5,000, when they fall into such traps. Since the potential for profit far outweighs the initial cost it is no wonder that identity theft crime statistics show this type of crime is on a steady uphill climb.

The only way to ensure that you stay safe from this type of fraud is through education. Do not dismiss any news or education material on how to prevent identity theft. Given the cost of identity theft business set up, you will need to stay on the top of the latest news and technology developments to protect yourself from this crime. Identity theft criminals work tirelessly to find ways around security measures put into place by financial institutions and government agencies; you must work twice as hard to keep your financial information private and secure.

Source:   Cost of identity theft – A Thriving Business?

Take steps to prevent business identity theft:

1.    Monitor your business credit account – This is an added expense that many businesses try to avoid, but is most necessary. A credit monitoring service can save you plenty of headache and thousands in dollars in the long run.

2.    Freeze your credit – All three major credit bureaus offer credit freezes in more than 37 states across the country. This is an excellent way to prevent anyone from obtaining credit in your name. However, be aware that freezing the ability to get credit from criminals also freezes your ability to get legitimate credit for yourself. Always be sure to know exactly what the terms of the credit freeze are and how to go about getting more credit for yourself in the future, which will entail lifting the credit freeze.

3.    Check continuously for mirror websites of your business – There are excellent software programs that will search the internet and identify mirror websites, pirated content and so on. This a great tool against business identity theft. Also, be very honest when and if you think there has been a breach by informing your customers as soon as possible so they may take proactive measures.

Source:   Business Identity Theft – 3 Steps To Prevent It

There is more- this identity theft insurance provider/ company/ agency will also assist you to hire, pay and consult with experts required to deal with creditors to clear and restore your good name. Identity theft can be a heavy blow to your credit report and score if not handled well and expeditiously so the damage is contained at the lowest possible casualty levels.

Check with your insurance provider today and take out this type of insurance against identity theft. With hackers getting more and more ingenious at stealing sensitive information, it is very important that you have your security net in place. Such identity theft insurance is a must if you wish to be spared of the trouble and dangers of identity theft. Your credit identity is one of the most vital aspects of your life. Your finances and sensitive information should be cared for with the same tenacity that you care for your loved ones.

Source:   Insurance Identity Theft Can Protect You

This has become a “business” today since the technological advancement is making it easier everyday to use hacking systems and tap into people’s personal (financial) data. This is why it is very important that every person know what credit theft is and is able to set up measures that guard against such theft.

Most banks acknowledged this potential danger by issuing second and third tier passwords and PINs to prevent online credit theft. Ensure that you are aware of and subscribe to such measures to make your credit card use more secure.  At the same time, beware of keeping any sensitive information in your email inbox – since emails can be hacked quite easily in this technological age. This also applies to setting up passwords on the internet. Be careful when you create passwords. Passwords should not be easily figured out or you could be the next potential victim of credit theft. It is advised to NOT use birthdays, social security numbers, addresses or family names as passwords because someone with enough time and ingenuity can then breach your accounts with much more ease.

Source:  Credit Theft – What is this?

Just like a doctor would advice a patient on what has caused them to become ill so they will not get sick again; debt counseling teaches you how to manage your money so you will not fall into trouble with your finances again. It is very important that you understand the why before you can appreciate the solution. You are less likely to abuse your available credit if you understood how the bulk of smaller purchases compounded the large debt you accumulated.

Debt counseling also teaches you how to use your finances to increase your credit score and much more, such as:

-    How to save for an emergency fund
-    How to find the best interest rates
-    How to make and stick to a monthly budget
-    How to find the best health/ home/ auto insurance quotes

… and much more. Debt counseling is a priceless gift – make sure you value it as such.

Source:  When Debt Counseling Is Needed?

Where do you go when you are sick? Where do you go when you want to travel? There are specific places that help you reach a goal or help you resolve certain problems. Similarly, when you are asking how to clean up your financial life the best place to go to is a reputed credit repair agency. These agencies have professionals at their disposal who are experts in the areas of credit repair, credit bureaus and financial management.

Take your troubles to the best in the market and let them steer you on the right path. All you need to do after that is follow their advice to the T and you will be out of trouble in no time.

Source:   How to clean up credit?

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Any error, no matter how small, needs to be removed from your credit report because the error has the potential to connect with some flaw or mishap and affect your credit score negatively at any time in the future. Also, you will be amazed to see how many times just removing bad entries can boost someones  credit score.

It is not difficult to remove errors, still very few consumers follow through with the process. Some consumers do not follow through just because they hate writing letters, feel intimidated by the process and even more find it difficult to follow up on the status of their letters. Do not worry if disputing credit report entries is not on your favorite ‘to do’ list. Hire a reputed credit repair agency and leave the process to them.

Source:  Is disputing credit report necessary in credit repair?

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Go to a library and review law books regarding financial matters or visit the website of any of the credit bureaus in order to educate yourself on how a credit score is calculated. You need to be informed as to what goes into your credit report and how long those inputs affect the credit score calculations. Stop relying on misinformation. Stop hoping for miracles. Stop inviting trouble.

Once you are aware of the law, it is nearly impossible for you to fall victim to such gimmicks. However, if you still hope against hope that everything they advertise can happen, then you are asking to be cheated out of your hard earned money. Mistakes with finances and your credit score can prove not only to be devastating; but can also be criminal.

Be aware that credit repair fraud happens because you close your eyes to the truth. Repairing your credit legally might be slow – but from a common sense approach- this is the only you should go.

Source:  Credit-repair-fraud-–-are-you-asking-for-it

1.    Debt counselors – These are the agencies who have answers to all your debt questions, including the “where do I go for credit now?” one. Debt counselors can put you in touch with experienced debt consolidation agencies, credit repair agencies  and poor score credit lenders. Debt counselors are the leaders in guidance when you want to  eliminate your outstanding debts.

2.    The Internet – Use the Internet as your main ally. You will find  answers to many of your debt and credit lender questions with a google or Bing search. With the help of the data on the internet you can figure out which are the lenders that offer the best rates and how best you can negotiate for these rates.

3.    Your old creditors – Most of the time, old creditors are willing to renegotiate your debts so you can pay them off and even reestablish lines of credit with them. Open communication  with previous creditors and show why you need their cooperation in order to get your financial matters in order.

Source:  How do you find poor credit lenders?

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For many, bankruptcy is a dark cloud with a silver lining. The silver lining is not only about trying to remove the debts they have accumulated, but also about having the slate cleaned to start over. Indeed, with patience and care you can start over and do really well by the time your 11 years have passed.

In fact, if you follow a disciplined financial life you can remove the blemish of bankruptcy and rebuild your credit score by the end of this 11 year period.  The lessons you will have learned will not be ones you will soon forget. Use bankruptcy to establish healthier financial habits for your future beyond bankruptcy.

Source:  5 Ways To Remove Bankruptcy

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1.    Wasting your money – Loans for individuals with low credit scores are available, true. However, these loans come at a price- higher interest rates. This means you actually use more of your hard-earned money in order to pay back the loan. This extra money could be used to purchase something else or put towards retirement savings.

2.    Always under scrutiny – A poor credit score says tells the credit bureaus that the person is someone who cannot handle finances responsibly. This makes creditors wary and you will always be under greater scrutiny. You will also need more collateral and/ or a co-signer when applying for a loan.

3.    You cannot make a mistake – High scorers can skip payments infrequently and be forgiven, but not a consumer with a low credit score. Many creditors panic if a low credit scorer misses a payment or shows any deviation of the repayment terms. In response, the creditor  can alter the terms of your agreement by raising your interest rates.

Source:  Why do you need to increase your credit score?

Are you in debt and lost in a financial maze? Are you suffocated by unpaid bills? Are you hounded and harassed by collection agencies? You can put a stop to these stressful situations by utilizing the help of the Fair Debt Collection Practices Act. Research the Fair Debt Collection Practices Act or go to an attorney and seek help. Not only you will find ways to get relief from the undue harassment from the collection agencies, but you will also find direction and advice on how to seek appropriate help to repay these debts.

Source:  Fair Debt Collection Practices Act Is For Your Protection

Therefore, my sincere advice is never to sign up with any credit repair agency that promises you overnight results. This can not happen. If it does, it is done unlawfully and you definitely do not want to be a part of such dealings. Some credit repair companies dispute all negative entries on the credit reports, which indeed brings the score up almost overnight. However, when the disputes are checked and found to be correct, you will be in worse trouble than when you started. Doing business in this manner may make the debtors reluctant to work with you to find reasonable solutions to your financial troubles.

Be careful that you do not sign up with fraudulent credit repair companies.  Also, be informed about how the credit repair company you choose will actually go about repairing your score. Ultimately, all actions taken on your behalf will become actions presumed to be taken by you. You might be jumping out of the frying pan and into the fire.

Source:  How To Fix Credit Score Quickly

Do not panic if you are not good at drafting letters and/ or corresponding with credit bureaus. Find a well reputed credit repair agency who will be happy to write the letters for you for a small fee. If you are comfortable with writing, by all means you can do it yourself. Just remember to keep the lines of communication open with the credit bureaus until the errors are removed.

Educate yourself on what needs to be written and how. Be persistent and before you know it- you will be well on your way to a healthier financial future.

Source:  Credit dispute letters – Great Tools to Raise Your Credit Score

Many people who have gone through bankruptcy have bounced back financially; some have even become multi- billionaires, such as Donald Trump. Look around you and you may find plenty of examples of people who have turned their lives around because they have tasted the bitter pill of bankruptcy.

Use the post bankruptcy period to dissect the past and find out what went wrong with your finances. Understanding your missteps will enable you to avoid repeating them. Avoid the pitfalls that led you to bankruptcy in the first place and you can rebuild your life again – slowly, but steadily.

Source:   Credit Report After Bankruptcy Is Bleak – But There Is Still Hope For You

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So what do you get to keep after you file for bankruptcy? Each state has its own exemptions list. In many states you are permitted to choose between following either the State or Federal law; in some states you are forced to follow the state laws in exclusivity.  The list of bankrupt exempt property varies widely from state to state and from federal regulations so be sure to research applicable laws when you consider filing for bankruptcy.

Consulting with an attorney experienced with the bankruptcy laws will prove to be the best decision you can make. It is very easy to trap yourself into  losing assets you could have otherwise protected. A bankruptcy attorney can also recommend which paths allow you to salvage more of your financial security.

Source:  Bankrupt Exempt Property – What Is That?

As part-time work, this can be quite rewarding both financially and on a more personal level. You will be helping people in a desperate situation as well as turning a profit for yourself. Using a consultant is a feasible alternative for someone who is intimidated by financial attorneys or simply can not afford one at the moment. It is also a great way for someone to gauge the severity of their financial situation and find less devastating alternatives.

Bankruptcy training can be beneficial to anyone running a business. It is good to know what rights you have and what responsibilities are coming your way. In case you run into rough weather financially, you could refer to the information you were taught during the training and do your best to salvage your business and assets.

Source:  Get Bankruptcy Training And Start A Home Business

-    Raise the money through a loan obtained with joint collateral. To use this option you will need to find someone who would be willing to co-sign a loan with you, with one or both of you putting up collateral to raise the required money.

-    You could sell a portion of your business to raise working capital. Many times, all that is needed is a small fund to roll the business. Try selling part of your assets and raise the needed funds.

-    Enter into a partnership to raise the required funds. The idea of a joint venture can look very lucrative to an investor who wants a share in your ailing company if you can show that in the future there is the potential for profit sharing.

There are many more alternatives; some easy and some not so easy. Finding alternatives to bankruptcy is well worth the time and effort.

Source:  3 Great Ways To Settle Debt Without Bankruptcy

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Before answering this question, you need to understand that there are many types of articles available on the internet. Some are quite accurate and up-to- date – you will find these on Government portals and reputed credit repair agencies; some are general and informative and may or may not be updated as changes are made to laws or even reflect discrepancies based on the state in which you live; while some are written only to  attract traffic with keywords – these are usually not very accurate.

How do you know which are the bankruptcy articles you can trust? Here are some guiding points:

-    Date of the article and website
-    The sources quoted for the articles
-    Type of article – usually sales/ marketing oriented articles tend to highlight the points that help selling/ marketing
-    Expertise of the author
-    Government websites are usually the best sources for informative bankruptcy articles

Source:  Bankruptcy Articles – Is The Information Accurate?

It is best not to assume anything in such a situation, take the case to an experienced bankruptcy attorney who will look into all the facts before advising you on a proper course of action. Do not cut corners when it comes to bankruptcy. Bankruptcy has lasting repercussions for years to come.

It is a good idea – if one of the spouses runs a company or any type of commercial endeavor – to clearly separate the personal and business finances. This is especially important, in the event of something going amiss, so the bankruptcy clauses will not affect the other spouses financial security.

Plan for the business going under even when it is doing well. In today’s economy, a business that is thriving one month can find itself suffering financially the next.

Source:  Bankruptcy And Marriage Can Be Messy

1.    Never leave the ATM stubs in the ATM booth. If you do not need it, tear it into tiny pieces or run it through a shredder. Do not throw it away merely crumpling it into a ball. This can be picked up and used for identity theft by experienced criminals. If you do not plan on taking the receipt with you, there are machines that give you the option to not have the receipt printed. Check your balance and the screen and skip the printed receipt.

2.    Never give your password or any other information pertaining to your bank accounts over email or phone, especially if you have not initiated the contact. In case you are contacted by anyone (either through email or phone) ask them their name and address and offer to come in person and give the required details. If they claim the matter is urgent and they are from your financial institution, take their information and inform them that you will call or go in person to your local branch. If you are discouraged from doing so or the person insists- a red flag should go up in your mind. Immediately end the conversation and report it to your financial institution. If you feel that you may be falling victim to identity thieves- file a police report.

3.    Never throw any bills in the garbage without shredding them first. Buy a shredder that cuts paper into small diamond shapes as opposed to merely shredding them in strips.  Identity theft criminals go through the waste and can pick up valuable information from bills. They can go through great lengths to obtain your vital information. Make the process difficult. It is also a good practice to split the garbage from your shredder into two or three bags and dispose of them over several days.

4.    Request that all bills and alerts be sent by email. This way you will avoid the risk of having someone going through your mail and picking up sensitive financial information. Be aware of when bills are expected to arrive. If you find that your bills are not arriving or arrive damaged, that can be a sign that someone else is viewing your information.

Source:   4 Ways To Prevent Identity Theft

This is when you will need an identity theft lawyer. This is a professional who will be able to guide you through the required legalities to minimize your liability and salvage as much as possible of your reputation with the credit bureaus.  The best option is to retain an identity theft lawyer as soon as you realize you have fallen victim to such a crime. Doing nothing enables the criminal to further victimize you.

Source: When Do You Need To Get An Identity Theft Lawyer?

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With these simple steps you can catch identity theft crimes early:

-    Check your credit card bills carefully each month
-    Check your bank account transaction statements at least once every month and ensure that all the entries you find are transactions which you have authorized
-    Obtain your credit report every four months (you can request a free credit report from one of the three major credit bureaus  by visiting www.annualcreditreport.com ) and check for discrepancies

Each one these actions will serve as a safety net to protect against extended criminal activity to your financial life. Being vigilant and aware of the practical dangers can prove to be the best defense against identity theft crimes.

Source:   Identity theft alert – Being aware of the signs

Here are a few things that you need to remember before you think of settling your credit card debt:

You might find it difficult to settle your credit card debt as the lender will only agree to settle debt on your current account. You must default on your payments for three months before settling the debt. You need to convince the creditors to settle the debt by giving a valid reason for not being able to pay.

You cannot eliminate your entire debt amount with the help of debt settlement. The creditor will approve the reduced amount with your consent. The amount discharged will be contingent upon your financial state and on your negotiation skills.
 
Your credit card settlement will partially affect your credit report. Your credit report will display “settled for smaller amount” or something similar. Such statement might create impediment for future loans. Therefore, think about your decision before taking debt settlement service.

Is credit card debt settlement beneficial?

If you settle your credit card debt then you can save a considerable part of the outstanding amount. In certain cases, you can save 50% or more on your principal balance. Unfortunately, your debt relief program cannot save such a huge percentage. Bankruptcy can discharge a large amount of debt but it will not be a feasible option for you.

The effect of credit card settlement does not remain on your credit report for long as it can be repaired gradually.  But bankruptcy completely blemishes your credit report and remains on your credit history for 7 to 10 years.

The negotiation process takes a minimum of 180 days and within a few months you can settle your credit card debt. If you can pay in a lump sum, then you can free yourself from the clutches of debt within a year.

So, settlement can help you to regain your financial independence. But next time use your credit card wisely so that you do not fall behind in credit card payments.

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How do you find the best possible solution? This part is easy – have a credit repair agency help you here. There is no one- size- fits- all solution for debt management. Each case is different and each case needs a personalized approach to get the financial matter resolved expeditiously. This is why most of the “template type” solutions do not work that well across the board; and why credit repair agencies are in such high demand.

The best credit debt solution for you needs to be worked out carefully so you can get out of debt as soon as possible. In the meantime, you also need to establish habits that exhibit financial responsibility to increase your credit score. Remember, financial devastation can happen overnight; credit repair cannot.

Source:  Are You Ready To Find The Best Credit Debt Solution?

If you are in need of credit repair counseling- do not wait any longer. Most people fear credit repair scams and therefore choose to handle their credit repair issues themselves. Don’t let yourself be intimidated into further financial destruction! Rather Instead, educate yourself on how to differentiate between a scam and a genuine credit repair offer. Professional help will not only help you pay less on your outstanding debts by re-negotiating with your creditors, but can also offer you free debt counseling which can prove  invaluable in the future.

While it is true that there are many credit repair scams out there, you can still find it relatively easy to identify the genuine ones. Seek word of mouth recommendations and or by investigating credentials and past success stories. Be sure that you verify the references the agency or counselor and only after you are thoroughly convinced of their efficiency, should you go ahead and ask for their assistance.

Source:  Are You Afraid Of Credit Repair Scams?

1.   Extensive advertising – They go on and on about themselves; their proficiency; their successes; their reputation. Any company that is advertising too heavily can be suspected of being a scam. They may be attempting to flood the market for clients/ victims and when they make enough money or begin to attract the attention of law enforcement, shut down the operation and disappear with all the money. Pay attention.

2.   They promise too much – These agencies always promise to be able to deliver whatever you want. Instant or in the shortest possible time. Do not be fooled. A credit score cannot be raised overnight unless there is a major and illegal manipulation. Is that really the path to financial stability?

3.   The credit repair companies ask for too much too soon – A major red flag is asking for their fees upfront. A company that is confident in their results and seeking to be a positive influence on the financial health of their clients will have no problem deferring payment until the client sees results.

Source:  3 Ways to Tell Which Credit Repair Companies Are Genuine

There are still plenty of people who make tons of money through credit repair fraud. Sad but true. These con men hope to find people who are upset and desperate about their income and debt positions. Many victims are acutely depressed and consider themselves’ complete failures, which is exasperated when they realize they have been duped. Conmen have a knack for identifying people with these vulnerabilities and targeting them.

Pay attention to these three very obvious scams and identify credit repair fraud before it traps you into doing something you will regret later. Here are 3 warning signs for you:

1.   You are promised things that are “too good to be true” – This is a major warning sign. Do not believe that your credit score can change overnight.

2.   You are asked to pay all fees upfront. Not only is requiring fees to be paid upfront illegal but it can also cause further financial hardship.

3.   You are told you could use someone else’s Secret Security Number – This is obviously contrary to acceptable credit repair practices and can be punished severely by both federal and local authorities for credit repair fraud.

Source:  Always Watch Out For Credit Repair Fraud – 3 Warning Signs

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The answer is simple, you ask for a copy of your credit report. Legally, every consumer is entitled to one free credit report annually from each of the three credit bureaus and therefore, if you plan your requests accordingly, you can have one credit report every four months. Although the bureaus are different, they maintain more or less the same standards when calculating the credit score. That means you can keep a close eye on the things that creep in on your credit report, enabling you to appeal inaccuracies almost immediately.

It is very important to write to the credit bureau as soon as the discrepancy appears on your report. If you are not comfortable with writing credit dispute letters yourself, seek the assistance of a credit repair agency or counselor.

Source:  What Do You Know About Credit Dispute Letters?

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1.   Use the Internet – Nothing is more powerful than the Net when seeking information. The internet enables you to tap into financial institutions in your local region or state, as well as, into the financial market across the nation.  Conduct internet searches and investigate financial institutions before divulging sensitive financial information.

2.   Talk to people – You are neither the first nor the last person on this earth who suffers from a poor credit score. Talk to people who are more financially sound and seek their advice on financial habits. Use their experience to guide you to financial health.

3.   Consult a credit repair agency – Many credit repair agencies offer assistance and financial guidance for loans. Find out whether your credit repair agency does too. If not ask for references; you may find a great poor credit lender already being used by one of your friends or family members.

Source:  Poor Credit Lenders Are Plenty – Do You Know How to Find the Best

You will hear a lot about debt negotiation during the credit repair process. What is the role of this type of negotiation and why does it get so much importance? You will agree that every cent saved is a cent earned, right? Well, that is the answer.

When a credit counselor or agency negotiates your debts, they ensure that you are charged the minimum possible both in interest and in fines (and penalties for late payment). This means a drastic reduction in the size of your debt; which in turn means that it would be easier for you to repay the loan.

You can do debt negotiation on your own; but most people prefer professionals to do this job because it does require the special skill of effective confrontation and a talent for getting your opponent to agree to your proposition. The more money you are able to save the better it is for your financial outlook. So, can you see the importance of financial negotiations in the process of credit repair?

Source:  The Role of Debt Negotiation in Credit Repair

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Counseling is a tool to help you analyze why you are not able to maintain financial discipline. Counseling will also help you identify major financially devastating habits as well as showing you how to manage your money more effectively. Without adequate debt counseling, credit repair solutions might just be temporary fixes to a more complicated underlying problem leading to chronic financial instability.

Source:  Why Debt Counseling Is The Key To Credit Repair?

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If you think that your financial matters need an attorney, ensure that you get a good one. Seek references from people whom you trust or request a free first consultation, which most attorneys are happy to provide. Go prepared to these meetings and ask all the questions that are pertinent to your case so you are able to decide whether this person can help you or not.

The advantage of having a credit repair attorney on your side is that you will have both credit repair and legal advice rolled into one.  Remember credit repair agencies will only provide regular debt management advice. Have sufficient information to weigh your options and choose the financial advice that will benefit you most in the long wrong. Long term financial health can require a larger financial sacrifice in the present.

Source:  Why Do You Need A Credit Repair Attorney?

A credit score is the result of an analysis of your past financial transactions and habits. How can you fast-forward or rewind the required time in order to increase your credit score within legal parameters? Any claim that says increasing your score rapidly is possible is false and greatly over exaggerated. Investigate how this agency proposes to achieve these results. Remember that you will be responsible legally and financially if there is any unlawful activity involved in this process.

You can increase your credit score, but this takes time and effort. Many times, before a consumer can begin to increase their credit score they meet with a financial advisor in order to understand the financial blunders that led to the low credit score.

Source:  Beware Of “Increase Credit Score” Scams

If you ever receive an offer from a credit card provider with terms that seem  “too good to be true,” stop right there in your tracks and review each line of the credit card terms carefully, inspect the contents of each paper and look for red flags. Red flags include but are not limited to spelling and grammar errors, private emails listed as company emails, and inconsistent information. This could be one of the hundreds of credit card scams that cyber- criminals use to steal an unsuspecting consumers’  identity.

Criminals often use this ruse to tempt people into divulging vital, private financial information (required when you apply for a credit card), which they  in turn use to file for legitimate credit. Using this information it is possible for a criminal  to steal everything you have saved in your bank account and cause  financial devastation.

Another common use for private financial information used by thieves is to obtain loans. These loans become your responsibility unless you catch the thief or thwart their efforts before too much damage has been done.

There are many credit card scams that circulating; be careful that you do not fall prey to them by staying alert and careful.  Ensure that you do not divulge your private financial information to unsolicited sources.

Source:  Credit Card Scams – A Great Way To Steal Your Identity

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Is it safe?

The first step to protecting your sensitive financial and personal information the first step is to ensure that the software remits financial information over an encrypted system. This program will require a user to supply information that when in the wrong hands can turn this positive product into a total nightmare.

Is it dangerous?

In the broad spectrum these products are not harmful and can actually prove to be quite beneficial. Although it is always possible for criminals to abuse spyware programs to steal your information, there is a plethora of bankruptcy software to choose from which will provide security and properly assist you through this process.

Source:  Bankruptcy Filing Software – Is It Safe Or Dangerous?

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Wait. Educate yourself. Find proper guidance.
File for bankruptcy only after you are confident that there are no other feasible alternatives. Before filing for bankruptcy, familiarize yourself with the laws both locally and nationally, research and understand the legalities and repercussions of filing for bankruptcy. Ensure you comprehend your legal protections.

There are papers to be filed, accounts to be shown, there can be accusations and counter accusations and so on. This is indeed a process that you must understand since you  realistically only have this one chance to file for bankruptcy therefore you should make the best of the situation.

Disregard any thought of going the cheap route when it comes to  bankruptcy. In the long run, cheap can be much costlier. It is a far better idea to spend a bit more and have  a much more favorable result.

Source:  Cheap Bankruptcy Can Turn Out Very Costly

Why a lawyer?
Seeking legal advise is recommended because bankruptcy laws are very complex and in order to discourage fraud, the laws have a lot of clauses that seem prohibitive and can be difficult to interpret. Do not lead yourself into a trap that will haunt you for the rest of your life. Ensure that you know what the best options are and of any alternatives, from which you can benefit, in order to  enjoy the maximum protection the law allows.

Do not be “penny wise- pound foolish.” Do not  compromise on the quality of the legal agency or counselor. Unless you hire knowledgeable representation, you can  kiss good bye many benefits that you would have otherwise been eligible for. Use the internet to seek out information from multiple sources. Be thorough in your research and make sure you understand the step you are taking.  You will never regret this effort or expense.

Source:  Best Bankruptcy Info – Check With Your Lawyer

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Many people rush through bankruptcy. Bankruptcy is undoubtedly a scary, uncertain, tumultuous time in a persons’ life.  Although bankruptcy is difficult, this is never the proper approach. While it offers you a way out, keep in mind that bankruptcy will remain on your credit report for a very long 11 years. That fact is not meant to deter you because bankruptcy, when utilized correctly, can relieve a major part of the financial strain you are experiencing as a result of the relentless contact and pressure on you by various debt collectors.

Seek out the best possible legal advice available to assist you in filing for bankruptcy. The present law includes a number of clauses which are meant to protect you, the on-the-brink-of-bankruptcy person, and only a qualified legal consultant will be able to ensure you take advantage of laws which are applicable in your financial situation.

Source:  Filing For Bankruptcy – Do It The Right Way

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Most people do not know what to do when they discover they are a victim of identity theft or are shocked into inaction. Some victims feel so desperate and violated that they sink into depression. Stop. Do not allow this criminal act to destroy your life and further victimize you. Fight back with proactive measures. You can use the advice given on the identity theft hotline and assist the authorities in  catching the thieves.

In the meantime, you can educate yourself on preventative measures. It is also wise to consult  an appropriate legal adviser to minimize your personal liability regarding the money stolen by the cyber criminals while impersonating your identity.

The identity theft hotline is very useful in one other ways. It provides someone non-judgmental to speak to about the anguish you feel. This can often be a lifesaver.

Source:  The Identity Theft Hotline Can Be A Lifesaver

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1.    Lottery winner – You receive an email out of the blue announcing that you have won a huge sum in some lottery or other contest. You can draw the amount provided you claim the prize. However, for the prize money you must  first give your name, email id, date of birth and telephone number. If you provide this information, next they will ask you for your bank account number and perhaps your id. The criminal claims this is in order to direct deposit the funds into your account. Do not believe this scam. After you provide this information there is nothing stopping the thieves from cleaning out your bank account.  When and if you receive this type of correspondence, ask yourself- did I enter this sweepstakes? Also, be extremely cautious when dealing with international companies and people. They are not held to the same laws and it can be very difficult to recover losses from these entities.

2.    Fake IRS/ Government Notice – You receive an email saying that you have been targeted by identity theft scams and to prevent further damage they need your personal information to block the perpetrators. You provide the info and find that your accounts have been wiped out. Remember that the IRS will never send you unsolicited emails and will not ask for your private information using this method.

Source:  Watch Out For Identity Theft Scams – 2 of the Most Dangerous Ones

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Unfortunately, until the fraud is proven, you are directly and wholly responsible for the damage the thief has caused; and proving identity theft  is often next to impossible since the thief used your authentic information, which he/she stole.

Stay safe with the following 2 very simple methods:

1.    Never give or key in your password or any financial information unless you see the site url starts with “https://”; emphasis on the “s” which means “secure.” Also watch out for a small yellow lock on the url bar which  means the page is verified and encrypted for your safety.

2.    Never keep your passwords or details of any personal or financial data in your email account. If your email is compromised, the thief will have access to all the vital information and nothing can stop you from becoming an identity theft victim.

Source:  Do Not Be An Identity Theft Victim – Be Careful

Here are Two identities theft methods cyber criminals use most:

They send you an email that connects to a ghost website that looks identical (but is false) to that of your bank and asks you to verify your account under the ruse that there are “some major discrepancies”. Shocked and eager to handle the mater quickly you log in using that website – and the criminals copy your bank information. Once the information is in the wrong hands, there are a number of things the criminals can do to cause devastation to your financial life.

You receive an email saying that you need to key in your password in order to update your account details or your email will be blocked. You type in your email password and the next day you are locked out of it. The criminals have taken hold of your email and all the information therein. Keep in mind all of the information that is sent to your email and keep your password as secure as you do your social security number.

Source:  Identity Theft – Two Most Effective Ways Criminals Use

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Education on how identify theft takes places may be the best tool available for you to prevent this mishap. Learn how the fraud is carried out, learn when they try to scam people and then learn how to prevent it.

Be aware that every time you make a financial transaction on the Net, you have to ensure you are doing so through a secure and encrypted server. This will be indicated by htpps:// (note the ‘s’ for secure) in the url and a small gold lock on the url bar. Educate yourself and stay safe.

Source:  Are You Inviting Identity Theft?

Similarly, credit repair can bail you out temporarily. Credit counseling is what will keep you out of trouble in the long run. It is vital to know why you have reached the point of no return with your finances. It is important to understand where you/ what has gone wrong in order to avoid falling into the same destructive behaviors.

Use credit counseling as a tool to understand yourself better and find ways and means to live within your own income no matter what it is. If you find that your income is indeed too low to support you, you need to find avenues to enhance your income. Either way, credit counseling will help you find the best way to stay out of debt forever.

Source:   Credit Counseling Is Good

Avail of this loan ONLY if you could indeed repay it on time. Non-payment, deferral, delay all will impact your credit score. A better option to payday lending is setting up a savings account for such crisis management needs. Aim at putting aside about 10-12 times your monthly income.  This savings fund should carry you over not only in sudden financial crisis, but can also act as a stand-by financer for short vacations when you simply need to get away. So, putting a little aside for a rainy day will not only save you from payday lending, but also provide you with much needed recreation and rest from time to time.

Source:   Payday Lending Like Credit Cards Are For Emergency Use Only

Do not ignore general money issues no matter how small they are. Take action immediately when you find that you cannot pay a bill on time, or that you rely on credit cards too much. Take measures to straighten up your finances before the problem snowballs into a disaster.

You will be amazed to know that 8 out of 10 people who file for bankruptcy had trouble with their finances right from their teens. It takes years, sometimes decades for the bad habits with finances to develop into bankruptcy. DO NOT wait that long to realize you have a problem; take action when the first general money issues catch your attention.

Source:   Watch Out For General Money Issues – It Could Lead To Bankruptcy

Just about 5-6 years ago, credit repair scams were quite common. People were head over heels in debt and charlatans came crawling out of the woodwork to trap these desperate people into terrible fraud schemes. The Credit repair industry was held responsible as a whole and people suddenly feared this service and shunned it.

Credit repair frauds happen even today. However, people are less gullible because awareness is better today and because most respectable and legal credit repair agencies now belong to some nationally reputed regulatory bodies (such as BBB or ECRA), which ensure that ethics are applied in every dealing.

Even so, you need to be aware that scammers are still out there lying in wait for opportunities to steal your money. Their bait is always an offer too good to be true at a time when you need it the most. If you are ever offered something that does not seem possible – watch out you could become a victim of a credit repair scam.

Source:  Watch Out For Credit Repair Scams

Money management is the art of managing your living expenses within your income. For most people it can be difficult, for some impossible. You will be surprised to learn that debt, money mismanagement and financial insecurity has little if anything to do with the amount you earn.

For those who do not practice good money management principles, no matter how much they earn they would still run short. For those who appreciate and follow these principles, no matter how little they earn they tend to manage and prosper.

If you constantly feel that “if I had more money I would have done better,” it is time you learn about money management and how to apply it to your life. This is because your predicament has nothing to do with the money you earn and is realistically more about the money you spend.

Start by making a budget, consulting a finance professional and genuinely looking at the bigger picture. The solutions are often surprisingly simple to grasp and apply.

Source:   Why Money Management Is Important?

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It would be better if you went to a credit repair agency to learn how not to slip below the “respectable” credit score; something in the line of ‘prevention is better than cure’. These agencies have the knowledge to reverse the results of hopeless debt. Do not wait until you need their help to find out about the best financial practices.

Next time you feel a little insecure about the way your money is spent, why not pay a credit repair agency a visit? You will be able to not only understand the importance of sound financial management, but also prevent falling into debt. Worth a try, wouldn’t you agree?

Source:  Credit Repair Is More than Improving Credit Scores

Are you a victim to this 21st century poison? If yes, it is time to get help. In most cases, the decision to get help takes so long that in the end there is nothing to salvage. Do not wait for that point. As soon as you feel that you are not able to manage your credit cards payments, seek help. Do not wait until such time when bailing out becomes impossible.

There is plenty you can do to stop walking into complete financial disaster. The key to finding the answer is seeking help at the earliest possible sign of problems with your credit cards.

Source:   Credit Cards – The Poison of the 21st Century

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When you commission a credit company to sanction a loan it looks up your credit score. This tells the company what is the risk on the investment it is about to make. No more; no less.

You can get more out of the credit bureaus. You can use credit bureaus as a compass in your financial life. There are three credit bureaus and each gives one free credit report per year. If you make use of this benefit, you can have a credit report every quarter and use these to guide you in your financial decisions.

Source:   Make Friends with Credit Bureaus

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Are you in debt? Do you feel lost and unable to cope with spiraling debts no matter what you do? Do you feel that bankruptcy is the only thing that can save you? STOP. Change your way of thinking in order to change your financial future. Yes, bankruptcy can put an end to all your debts, but the price tag for a debt free life is huge.

It is much better to look for money and means to get your debts paid off than to consider filing for bankruptcy. When you take this step, it should be the last possible avenue for you. It can take as long as 11 years for bankruptcy to be wiped off your credit report and as long as it is there, you will be offered incredibly high interest rates for any loans for which you apply. In the end, you pay far more than your original debts.

Remember these two golden rules: (1) do not get into debt; (2) when you get into debt, pay it back before it becomes unmanageable. Your life will be better for it.

Source:  Watch out for bankruptcy – it can ruin your life!

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This is possible only when you keep close track of your expenditures on a day-to-day basis. Rest assured this is not as difficult as it seems. All you need to do is enter a statement of accounts every night and review it briefly. As you go through this exercise every night, you will gradually be able to see where you are losing money.

Just one cappuccino less a day can turn into $150 by the end of a month – and this is only one trivial expense. Plug the little holes that cause financial drainage, and you will be financially safer. This is what good money management is all about.

Source:  What is good money management?

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1. Never give your password, personal details or SSN over the telephone or by email. One of the easiest ways to defraud people is by calling them at home saying that their bank needs their password immediately or they will block or suspend the account. Panicking at the thought, you lower you guard for a moment and blurt out the password, inviting identify theft. NEVER give such information over the phone or by email especially if the contact was unsolicited. Ask for the person’s name, bank address and offer to go in person to deliver the information.

2. Lottery/ Winnings emails. You begin receiving many emails that announce you as the winner of a lottery. Anticipating the winnings, you happily give all the financial and personal information they ask for without verifying or even considering whether the email is real or fraudulent. It is important to ask your self “Did I even enter this? “ Ask questions BEFORE divulging personal information.

Beware of such methods that lead to identify theft. Stay alert; stay safe.

Source:  2 Common Scenarios that can lead to Identify Theft?

This can become a long drawn out process unless you know where to look and what to do to expedite the credit repair process. Delays can mean higher interest rates, missed opportunities, and in some cases even disqualification from job
applications.

The second is with credit card re-payments. Stop charging expenses to your credit cards and start paying. Negotiate with the provider for better terms – such as the waiving of late and penalty fees, lowering the interest rate, etc. and start paying regularly. The key is to pay on time consistently.

Source:  2 Great Ways Towards Credit Repair

A bankruptcy advisor would not only advise you on the best action plan, but also help you with the plan of reconstructing your future financial strategy. Without such advise you might  end up losing much more than you should, making it more difficult to return to normalcy.

Alternatively you can use an experienced attorney. This is another top professional who can ensure that you will walk away with the maximum benefits and minimum penalties under the circumstances.

Most people shy away from hiring such professionals due to the steep fees they charge. However,their effective handling of financial matters almost always make their fees a valuable expense.

Source:  Bankruptcy Advisor

1.Keep your cards in a secure location. Whether you carry a wallet or handbag, the credit card should be kept in places where they are not easily accessible and/or visible. In 7 out of 10 cases, the theft was due to temptation. The thief observed the credit card and found it easy enough to steal it.

2.Do not leave your wallet/ handbag unattended. Once again – this is temptation. Keep your wallet/ handbag with you at all times especially in public places such as shopping malls, restaurants, etc.

3.Activate cell-phone acknowledgements for every purchase with credit card. Sometimes prevention of credit card theft involves more subtle measures. People can charge your credit card twice, or charge you for other items while you are  paying for something you purchased. If your cell phone notifies you every time you make a swipe, you will know about such fraud as it happens.

Source:  Prevention of credit card theft

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It is important that you have a qualified professional on your side  to ensure that you get the best deal for your circumstances. The same financial professional should be able to guide you back from the abyss. As a professional they should equip you with the steps needed to overcome this hurdle. They should be able to have you realize that this is not the end of the world.

The best option is to learn from the experience and move on. Many successful people have a bankruptcy behind them as a lesson that guided them on the path to generating and holding on to wealth.

Source:  Bankruptcy is not the end of the world

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1.Call the bank immediately to report the loss. This is very important as most banks will block the credit card from further use within minutes of the reported loss.  This limits your liability to the minimum.

2.Inform the police. The police have ways to track the movement of the card which enables the recovery of the card and of the suspect. For example, they can ask the vendor to delay the payment on the card until they (the police) can arrive and arrest the person who tries to use the credit card unauthorized.

3.Request a replacement of the card. The sooner you do this, the sooner you will get back to normal.

Source: Credit card theft – What you need to do when you are a victim?

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The easiest way to avert this decision is by asking for a loan from your friends and colleagues that would bail you out from the impasse. You might consider going to your parents for help.  Lastly, you could inquire about a bank loan that would be availed under joint signatures.

A warning point here regarding the co-signed loan method used to settle debt without bankruptcy. If someone co-signs your bank loan and you ever file for bankruptcy in the future, this will reflect on the co-signee’s credit report as well.  So be very careful about how much of a loan you need and keep in consideration the repayment terms and rate.

Source:  Settle debt without bankruptcy – find out alternatives

I would say that credit repair scams are happening all the time. However, it is most often to people who are not alert enough to recognize the swindle in time. Do not expect the credit repair agency to do the impossible.

Who finds and falls into the trap of all these credit repair scams? People who are desperate enough to feel that ‘desperate situations call for desperate measures’ will  push themselves into believing that this credit repair agents  can do more than they can do for themselves.

No doubt, there are credit repair scams out there. However, until each person decides to go the legal way, such agencies are encouraged to exist and function.

Source:  Credit repair scams – true or false

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If you are among those who are asking themselves, ‘Can you file bankruptcy of student loans?’  The answer is NO.

Student loans MUST be paid back – no matter what. You cannot file for bankruptcy on students loan. This is why it is important that you know where you stand financially before you take a student loan. Once you take a student loan, you are mandated to repay the loan. There are exceptions – but these exceptions are subscribing to extreme situations, for which you most likely do not qualify.

However, there are alternatives to filing bankruptcy of student loans. Some options are working part-time and making enough to send money “home.” If you are already working part-time or full-time, yet are still unable to make the payments, approach your parents.

It is possible that they can lend you the money to erase the debt.

Source:  Can you file bankruptcy of student loans?

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The best place to start your research is on the Net, of course. Check out the Government sites for the best and most accurate answers to your problem. The right way to file is as important as the right time to file for bankruptcy. This is why expert advice is highly recommended.  You should use the services of an attorney during this time, so that all of your options and their legal ramifications are clearly explained.

The attorney may also point you to alternatives, if there are any available in your circumstance. In case there are no special circumstances or hope for a suitable alternative, then your attorney should show you the right bankruptcy procedure so your loss is minimized.

Source:   Bankruptcy Procedure – The ‘How’ is very important

Beware that not all written on the Net is correct legally or for that matter accurate – so use your discretion in following such advice. At the same time, you will be able to gather plenty of ideas on how to handle this difficult situation from the many bankruptcy forums.

A great advantage is that through such forums, you can gain access to and knowledge from reputed credit repair agencies that can help you circumvent this calamity from your life. Become a member of any bankruptcy forum you feel is qualitative and follow the entries and comments posted there.

In time, you will gather sufficient knowledge about the process to know what to do best when and if such problem arises in your life.

Source:  Bankruptcy Forums – A Great Place for Advice and Ideas

Do not despair, yet. Check out the bankruptcy alternative list and see whether you have other options available.

Judgment proof – this is a condition where creditors would write their debts off, because you have no means to pay it back.  However, if in the future you start making more money, the creditors have the right to claim their dues.

Re-negotiate your terms. For example, you lost your job and now you are working making considerably less wages. It is logical, even to the credit card companies, that you might not be able to pay back the debt at the same rate. This is an excellent bankruptcy alternative. You will find that many credit card companies are quite reasonable if they see a willingness to repay the debt.

Source:  Bankruptcy Alternative – What can they be?

Yes, bankruptcy advice is expensive. Most notably is the cost of the attorney. However, you need to ensure that you know what you are doing while filing for bankruptcy. With the right advice, you might be able to save your home and quite a few prized possessions.

Life post-bankruptcy can be pretty bleak – at least for about 2-3 years initially. If you have adequate   advice you may be able to skirt most of the major financial troubles, which can get you by for the first 2-3 years. Therefore, ensure you have the best bankruptcy advice you can afford. It is worth every cent.

Source:  Bankruptcy advice – get the best there is for this important

There have been plenty of new bankruptcy laws announced recently. How do these really affect the general population? Are they beneficial or not?

Well, before you answer let us look into some aspects of these new laws and check it out. The first and most important addendum is that anyone who needs to file for bankruptcy would now have to take credit counseling before taking the last step.

What does credit counseling involve? This is normally an hour-long session with a US Trustee program recognized and approved counseling organization. During this session, the debtor is helped in evaluating his/her financial condition and all the possible alternatives to bankruptcy.

Under the new bankruptcy laws, this decision is not as easy to take as it was before. The government, through the new laws, wants people to realize the impact such a decision would have on their lives. Are you so sure you want to file for bankruptcy now?

Source:  New bankruptcy laws – credit counseling is compulsory

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The first danger is that due to the bankruptcy declaration some industries will not consider you for employment. These companies will check your credit report before offering appointment and can reject your application on such findings.  Sad, but true.

The federal court will have the bankruptcy record for life, even though the credit bureaus would remove the declaration after the customary 11-year period. Since federal records are open to the public – technically speaking anyone can access them and find out if you have declared bankruptcy.

The fees required are also a disadvantage.  It takes about $2000 or more to file for bankruptcy through an attorney, which is highly advisable, and this is not a small amount of money. Are you still thinking that bankruptcy is a good idea?

Source:  Bankruptcy – the downside of the story

Putting in an identity theft complaint many times will prevent other similar crimes. However, most people are so dejected by the hopelessness of their own situation post the crime, that they rarely take any serious action against the perpetrator.

Do not be one among the people who take it lying down. Fight back. It is true that it is very difficult to prove identity theft.  Many find that because of the disappointment, it is easy to lose interest in pursuing the matter. However, it is important that you file an identity theft complaint as soon as you can. Even if you may not benefit from the action, the alert may prevent other thefts in the near future.

You can send your complaint online to https://postalinspectors.uspis.gov/forms/idtheft.aspx. Your action will help prevent further thefts.  Moreover, there is a chance that the thief is caught and thereby your loss recovered.

Source:  Identity Theft Complaint – What Should You Do When You Are A Victim?

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What you should find out before going for the identity fraud insurance are the following:

Does your bank already offer you a blanket insurance against fraudulent transactions? Most banks do. If yours does and that would be quoted under the terms and conditions of the bank, then the insurance is a waste of money.

What are the conditions imposed by the insurance policy? Do these conditions suit you?

Are you aware of the Government policies regarding identity fraud insurance?

Research Identity fraud insurance at length and take this insurance only if you are likely to benefit by such coverage.

Source:   Identity fraud insurance

The first danger is that due to the bankruptcy declaration some industries will not consider you for employment. These companies will check your credit report before offering appointment and can reject your application on such findings.  Sad, but true.

The federal court will have the bankruptcy record for life, even though the credit bureaus would remove the declaration after the customary 11-year period. Since federal records are open to the public – technically speaking anyone can access them and find out if you have declared bankruptcy.

The fees required are also a disadvantage.  It takes about $2000 or more to file for bankruptcy through an attorney, which is highly advisable, and this is not a small amount of money. Are you still thinking that bankruptcy is a good idea?

Source:  Bankruptcy – the downside of the story

Data loss, data theft, or sabotage of your computer or your business is very easy nowadays. All the cyber-criminal has to do is apply any of the hundreds of phishing theft methods and your data is gone and/or accessible to them.

Phishing is relatively easier than any other method because it has you cooperating with the thief – unwittingly, of course. Unless you are alert, you may not be able to recognize the phishing email. It usually comes to you as if sent from your bank, email provider, or any other such source that you would trust.

In the email there would most often be a warning that your account has been compromised. They continue by requiring you to provide details to verify you as the actual owner.  They will claim that without this information immediately they will have to delete or suspend the account. In desperation, you give these details and thereby help with the phishing theft. Before you know it the account has been taken over by the hacker. Be aware. Stay safe!

Source:  Phishing Theft – the easiest way to steal your data

While most of the hackers work with specific techniques manually, they also have a number of identity theft software that can help them gain access to other servers and private information.

Personally, it is important that you know about such possibilities and stay on guard while you are online. Beware of any extraordinary offer that requires you to allow downloading of an .exe program. Be aware of spy viruses; be aware of any intrusion or attack on your computer with the help of the latest and most effective licensed anti-virus/ anti indemnity theft software.

Forewarned is forearmed – be informed.

Source:  Identity theft software