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Stephen Bis - EzineArticles.com Expert Author  

Stephen Bis works as a financial analyst and manager at Financial Solutions. His expertise over the last 10 years has been focused on debt related issues. Stephen Bis is an expert in the field of personal and business debt relief as well as credit restoration. On a more personal note Stephen Bis is a wildlife enthusiast, and avid fan of sports, particularly football.

[View Stephen Bis's Extended Author Bio]

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  • Consumer Credit Card Debt Relief Scams! Are They Real?
    [Finance:Debt-Relief] I have been in the credit card debt relief industry for just about 10 years now and have been in the financial industry for over 20 years. The point of this article is to give people a heads up on debt relief companies also known as debt settlement or debt negotiation companies. I will give you the pro's and con's of this process and what to watch out for when interviewing a company to help you get out of debt.


  • Get Out of Debt Without Being Scammed!
    [Finance:Debt-Relief] Over the past couple of years the American economy has been steadily declining to the point where we are in the midst of an extremely deep recession, possibly to the verge of a depression. With record numbers of foreclosures and unemployment on the rise each month, many Americans find that their financial outlook is spiraling out of control into a deep money pit. To make matters worse credit card debt balances are rising for millions of Americans leaving them vulnerable to companies trying to help them get out of debt who truly do not have their best interest at heart.


  • Is Getting Out of Debt Really All That Hard?
    [Finance:Debt-Relief] As of the moment we are in the midst of a pretty bad economic recession. People have been losing their jobs, businesses have been going under, and we are hitting record numbers with home foreclosures. To top all of this off we are seeing American consumers hit a record high with credit card debt. Now what most people do not know is that getting out of debt is not all that hard if you take the right steps.


  • What is a Reverse Mortgage
    [Real-Estate:Mortgage-Refinance] The profits from a Reverse Mortgage can be applied to a number of things. To figure out how much cash you get from the loan is based on 5 criteria's, as follows: The value of the home is figured out by the evaluation of the home (known as an appraisal) which includes any upkeep, health or security issues, as well as any liens that may be on the house.


  • How to Properly Choose a Debt Settlement Company
    [Finance:Debt-Relief] As of 2005 a new bankruptcy reform was enacted, which makes filing for a Chapter 7 bankruptcy much harder for the majority of debtors. Which in turn severely limited the number of options available to debtors to get debt relief. The industry which has seen the biggest spike in business due to the bankruptcy reform is the debt settlement industry.


  • How Will A Debt Settlement Program Benefit Me?
    [Finance:Debt-Relief] Learn how a debt settlement program can help you save lots of money and time. When the bankruptcy reform took place in 2005 this helped explode the debt settlement industry. Even though debt settlement was still large prior to the change in law, it grew to be way larger than it was after the change.


  • Which Debt Relief Solution Is Right For You?
    [Finance:Debt-Relief] Each persons situation is different, which means not one debt relief solution will work for all. Learn more about your various options so you can make an educated decision on which solution will work best for you.


  • Avoid the Wrong Financial Mind Set and You Will Avoid Credit Card Debt!
    [Finance:Personal-Finance] Many people are stuck running on the "credit treadmill" which could of been avoided if they adopted the right mind set towards credit and spending.


  • Credit Card Industry Deceptions and Abuses Must Stop!
    [Finance:Debt-Relief] Finally it looks as our government might be stepping up to bat for the American consumers. Federal Chairman Bernanke looks to reform the deceptive practices the credit card industry has been using. These practices led t the credit card industry to hit a record breaking year in 2006 with over 17 billion dollars collected in penalty fees alone.


  • Avoid Bankruptcy! Do Not Live The Rest Of Your Life In Regret
    [Finance:Bankruptcy] Read more about three very negative aspects of bankruptcy and why it should be avoided at all costs, if possible


  • Learn The Top Three Reasons People Accumulate Large Amounts of Debt!
    [Finance:Debt-Relief] These three issues are what lead to people becoming very indebted. Learn to avoid these three things and your life may be a lot easier.


  • Find Out How Debt Consolidation Loans Can Send You Strait Into Bankruptcy Court
    [Finance:Debt-Consolidation] Over 80% of people who get debt consolidation loans end up back in debt less than five years later. Learn how to avoid the mistakes many people make with debt consolidation loans.


  • Why Do Over 75% Of Americans On Debt Consolidation Programs Fail?
    [Finance:Debt-Consolidation] Over 75% of people who enroll into a debt consolidation program never finish and end up failing off. There are a few simple facts as to why this happens, if you would like to know why continue reading.


  • Debt Settlement Companies Are They A Scam Or Do They Really Work?
    [Finance:Debt-Consolidation] Learn what to look out for when making a decision for hiring a debt settlement company to handle your debt situation. Debt settlement may be a good decision for you, however choosing the wrong company can make your situation a lot worse.


  • Are You Running On The Credit Treadmill?
    [Finance:Debt-Relief] This article will show you the true cost of paying the monthly minimum. Credit card companies will bleed you for tens of thousands of dollars by following their structured minimum payments.


  • Proof that Feeding Alligators is Dumb!!
    [Reference-and-Education:Science] A South Florida woman gets bitten,therefore giving my previous article more credibility.


  • Help to Keep Alligators Afraid of Humans!
    [Reference-and-Education:Science] American alligators are naturally afraid of human beings, however certain things can be done to lose these fears. Therefore increasing attacks.




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