https://litwiki.org/api.php?action=feedcontributions&feedformat=atom&user=Ryan+woods 2026-04-10T08:47:45Z User contributions MediaWiki 1.43.0 https://litwiki.org/index.php?title=User:Ryan_woods&diff=8391 2004-12-03T01:05:15Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer, meaning that every word on those documents had to reflect that purpose. But knowing what to do something and actually doing it are two different things as I demostrated this semester in my grades. But for someone like me, you should consider giving slightly more work assignments so that the current assignments will not count as much. <br /> <br /> As far as the LitWiki project, I found it interesting putting knowledge that I obtained onto a website. At first it was difficult because I had never worked on a wiki site before and even after I learned how to use it there was still the issue of exactly what to put on there and how much. Since I was a member of the Research Group that issue was not solved until later in the semester. Besides that the only problem I have had with LitWiki is that you constantly have to remind the site that you are logged in.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2272 2004-12-03T01:03:39Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing what to do something and actually doing it are two different things as I demostrated this semester in my grades. But for someone like me, you should consider giving slightly more work assignments so that the current assignments will not count as much. <br /> <br /> As far as the LitWiki project, I found it interesting putting knowledge that I obtained on to a website. At first it was difficult because I had never worked on a wiki site before and even after I learned how to use it there was still the issue of exactly what to put on there and how much. Since I was a member of Group C that issue was not solved until later in the semester. Besides that the only problem I have had with LitWiki is that you constantly have to remind the site that you are logged in.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2271 2004-12-03T01:00:26Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing what to do something and actually doing it are two different things as I demostrated this semester in my grades.<br /> <br /> As far as the LitWiki project, I found it interesting putting knowledge that I obtained on to a website. At first it was difficult because I had never worked on a wiki site before and even after I learned how to use it there was still the issue of exactly what to put on there and how much. Since I was a member of Group C that issue was not solved until later in the semester. Besides that the only problem I have had with LitWiki is that you constantly have to remind the site that you are logged in.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2269 2004-12-03T00:56:58Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing what to do something and actually doing it are two different things as I demostrated this semester in my grades.<br /> <br /> As far as the LitWiki project, I found it interesting putting knowledge that I obtained on to a website. At first it was difficult because I never worked on a wiki site before and even after I learned how to do it there was still the issue of exactly what to put on there and how much.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2267 2004-12-03T00:51:49Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing what to do something and actually doing it are two different things as I demostrated this semester in my grades.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2266 2004-12-03T00:42:57Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing what to do something and actually doing it are to different things as I demostrated this semester not</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2265 2004-12-03T00:39:04Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that every word on those documents has to reflect that purpose. But knowing how to do something and actually doing it or to different things</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2264 2004-12-03T00:33:01Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized that the objective of the cover letter and the resume was to sell yourself to the employer meaning that word on those documents has to reflect that purpose.</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2263 2004-12-03T00:25:40Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication I have definitely evolved as a writer especially when it comes understanding the audience of the paper. Before this class I never fully realized</div>

Ryan woods https://litwiki.org/index.php?title=User:Ryan_woods&diff=2260 2004-12-03T00:22:50Z

<p>Ryan woods: </p> <hr /> <div>During the past eight weeks in Professional Communication</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:_Research_Reports&diff=2181 2004-11-30T23:42:45Z

<p>Ryan woods: /* Credit Management */</p> <hr /> <div>==Credit Management==<br /> <br /> <br /> For those who need assitance managing their credit there are a variety of choices and options out there. In an article by Hispanic magazine, financial author Julie Stav explains what a FICO score is, how credit bureaus calculate it, and steps on ways to improve your score. An article by U.S. News and World Report states the following steps to keep this score manageable:<br /> <br /> 1.) Pay bills on time.<br /> <br /> 2.) Pay down debt.<br /> <br /> 3.) Maintain long-term credit relationships.<br /> <br /> 4.) Do not apply for too many loans.<br /> <br /> A great self-help guide to consider is Repair Your Own Credit which instructs debtors how to repair their credit and how to reestablish credit. It also lists organizations that will either give people free assistance or charge a very low cost to help someone stay out of debt. In NEA Today, they also refer to some credit management agencies such as Equifax as well as warn people about credit repair clinic rip-offs saying they do not do anything that you cannot do yourself. The counselors at Credit Union Magazine suggest that bankruptcy be the last resort in certain circumstances.<br /> <br /> == Debt Consolidation ==<br /> <br /> When the topic of debt management and relief comes up, consolidation is usually one of the words that follows. Many experts agree that debt consolidation is a good idea when it seems a person is getting too deep in debt. Three things to consider before deciding on debt consolidation:<br /> <br /> # Evaluate where you stand with your debts.<br /> # Don't wait until you are in over your head.<br /> # Be sure to understand how debt consolidation truly works.(Morris, 103)<br /> <br /> Numerous experts also agree that a nonprofit company is the best way to go for premium terms. Also, no matter if they are for-profit or nonprofit, one should gain as much information as possible about the company before dealing with them. Futhermore, ensuring the institution you choose works with your creditors. Checking their status with the Better Business Bureau is a great idea. (Brown, 326)However, there are many different opinions on how to go about this. One common opinion is that only school loans should be consolidated, and this is only because of the enormous necessity of a college education. (Orman, 149)<br /> <br /> == Collection Agencies ==<br /> <br /> A collection agency is a company that is contacted by the original lender to collect past due and defaulted accounts. (www.spu.edu)<br /> <br /> The Federal Trade Commission states that if you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a debtor. If you fall behind in repaying your creditors, you will probably be contacted by a collection agency or a &quot;delinquent debt collector&quot;.<br /> <br /> Mike Ryan, President of NACM Southeast, wrote an article on &quot;Qualifying Your Collection Agency&quot;. You, as an owner in a business have to be careful of what collection agency you choose. You have to ask yourself these questions: What does the agency know about your business? Can you rely on them to handle your accounts honestly, ethically, and effectively? Does the agency understand you may do business with this client again in the future? (Ryan, Mike. 106.8) This is the kind of agency that can legimately collect your money.<br /> <br /> The FTC also gives a few tips on a fair debt collection. There is an act that requires that debt collectors treat you fairly and prohibits certain methods of debt collection. This is known as the Fair Debt Collection Practices Act. This does not mean that your debt will just go away. You still have to face this debt head on. This just protects your rights. <br /> <br /> You can avoid these agencies all together by simply managing your money right. Self-Help may be the Best Help.<br /> <br /> == Bankruptcy Summary ==<br /> <br /> <br /> Bankruptcy is considered to be a &quot;major bomb&quot; in the world of credit. It should be the last resort in most cases for debt relief. Depending on the situation it is sometimes unavoidable. <br /> <br /> When selecting a bankruptcy attorney, research his/her background for work experience in this sensitive field of debt relief. There are two types of personal bankruptcies, Chapter thirteen and seven. Corporate bankruptcy is called Chapter eleven and can only be filed by businesses.(Leonard, Attorney Robin &quot;Bankruptcy&quot;. Berkley: Nolo Press, 1998). <br /> <br /> <br /> Credit laws vary from state to state for filing and so does liquidation of assets over a period of time.<br /> <br /> <br /> Initially, the person filing will get a sigh of relief from being overwhelmed. Later, credit agencies and other lenders will analyze his/her credit information with a fine tooth comb for at least &quot;ten&quot; years or longer. This a combination of an advantage but a disadvantage to debt relief. <br /> <br /> Lenders almost immediately view a person as a high - risk for credit due to having bad debt written off through bankruptcies.<br /> <br /> <br /> Chapter thirteen can be filed in a court with a trustee assigned and is considered a &quot;reorganization&quot; over a period of time to repay debt. The court trustee decides the total amount to be paid back and the time allotted for payment. The person's salary or income determines what will be allowed for the cost of living and the amount that will be disbursed to the creditors. No new debts can be accumulated without the court's permission (i.e., credit cards, loans). Upon closing, obligations are fulfilled and the person can begin on a new credit journey, but the on this new path the person needs to be aware the discharge will remain on the credit report for the next five to seven years. <br /> <br /> <br /> Chapter seven can be filed in a court and the person will walk away from most of the debt secured and unsecured. The person's salary is freed from the threat of garnishments and being sued by the creditors. The information stays on the credit report for the next ten years and creditors will be view the person as a higher - risk than if the person had filed a Chapter thirteen. <br /> <br /> When a person has filed for either bankruptcy it becomes public record information that can be viewed by anyone with acccess to public records documents. <br /> <br /> Again, bankruptcy needs to be considered as the very last option to debt relief.</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:_Research_Reports&diff=2150 2004-11-28T18:19:36Z

<p>Ryan woods: /* Credit Management */</p> <hr /> <div>==Credit Management==<br /> <br /> <br /> For those who need assitance managing their credit there are a variety of choices and options out there. In an article by Hispanic magazine, financial author Julie Stav explains what a FICO score is, how credit bureaus calculate it, and steps on ways to improve your score. An article by U.S. News and World Report states the following steps to keep this score manageable:<br /> <br /> 1.) Pay bills on time.<br /> <br /> 2.) Pay down debt.<br /> <br /> 3.) Maintain long-term credit relationships.<br /> <br /> 4.) Do not apply for too many loans.<br /> <br /> A great self-help guide to consider is Repair Your Own Credit which instructs debtors how to repair their credit and how to reestablish credit. It also lists organizations that will either give people free assistance or charge a very low cost to help someone stay out of debt. In NEA Today, they also refer to some credit management agencies such as Equifax as well as warn people about credit repair clinic rip-offs saying they do not do anything that you cannot do yourself.<br /> <br /> == Debt Consolidation ==<br /> <br /> When the topic of debt management and relief comes up, consolidation is usually one of the words that follows. Many experts agree that debt consolidation is a good idea when it seems a person is getting too deep in debt. Three things to consider before deciding on debt consolidation:<br /> <br /> 1.) Evaluate where you stand with your debts.<br /> <br /> 2.) Don't wait until you are in over your head.<br /> <br /> 3.) Be sure to understand how debt consolidation truly works.<br /> <br /> Numerous experts also agree that a nonprofit company is the best way to go for premium terms. Also, no matter if they are for-profit or nonprofit, one should gain as much information as possible about the company before dealing with them. Futhermore, ensuring the institution you choose works with your creditors. Checking their status with the Better Business Bureau is a great idea. However, there are many different opinions on how to go about this. One common opinion is that only school loans should be consolidated, and this is only because of the enormous necessity of a college education.<br /> <br /> == Collection Agencies ==<br /> <br /> A collection agency is a company that is contacted by the original lender to collect past due and defaulted accounts. (www.spu.edu)<br /> <br /> The Federal Trade Commission states that if you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a debtor. If you fall behind in repaying your creditors, you will probably be contacted by a collection agency or a &quot;delinquent debt collector&quot;.<br /> <br /> Mike Ryan, President of NACM Southeast, wrote an article on &quot;Qualifying Your Collection Agency&quot;. You, as an owner in a business have to be careful of what collection agency you choose. You have to ask yourself these questions: What does the agency know about your business? Can you rely on them to handle your accounts honestly, ethically, and effectively? Does the agency understand you may do business with this client again in the future? (Ryan, Mike. 106.8) This is the kind of agency that can legimately collect your money.<br /> <br /> The FTC also gives a few tips on a fair debt collection. There is an act that requires that debt collectors treat you fairly and prohibits certain methods of debt collection. This is known as the Fair Debt Collection Practices Act. This does not mean that your debt will just go away. You still have to face this debt head on. This just protects your rights. <br /> <br /> You can avoid these agencies all together by simply managing your money right. Self-Help may be the Best Help.<br /> <br /> == Bankruptcy Summary ==<br /> <br /> <br /> Bankruptcy is considered to be a &quot;major bomb&quot; in the world of credit. It should be the last resort in most cases for debt relief. Depending on the situation it is sometimes unavoidable. <br /> <br /> When selecting a bankruptcy attorney, research his/her background for work experience in this sensitive field of debt relief. There are two types of personal bankruptcies, Chapter thirteen and seven. Corporate bankruptcy is called Chapter eleven and can only be filed by businesses.(Leonard, Attorney Robin &quot;Bankruptcy&quot;. Berkley: Nolo Press, 1998). <br /> <br /> <br /> Credit laws vary from state to state for filing and so does liquidation of assets over a period of time.<br /> <br /> <br /> Initially, the person filing will get a sigh of relief from being overwhelmed. Later, credit agencies and other lenders will analyze his/her credit information with a fine tooth comb for at least &quot;ten&quot; years or longer. This a combination of an advantage but a disadvantage to debt relief. <br /> <br /> Lenders almost immediately view a person as a high - risk for credit due to having bad debt written off through bankruptcies.<br /> <br /> <br /> Chapter thirteen can be filed in a court with a trustee assigned and is considered a &quot;reorganization&quot; over a period of time to repay debt. The court trustee decides the total amount to be paid back and the time allotted for payment. The person's salary or income determines what will be allowed for the cost of living and the amount that will be disbursed to the creditors. No new debts can be accumulated without the court's permission (i.e., credit cards, loans). Upon closing, obligations are fulfilled and the person can begin on a new credit journey, but the on this new path the person needs to be aware the discharge will remain on the credit report for the next five to seven years. <br /> <br /> <br /> Chapter seven can be filed in a court and the person will walk away from most of the debt secured and unsecured. The person's salary is freed from the threat of garnishments and being sued by the creditors. The information stays on the credit report for the next ten years and creditors will be view the person as a higher - risk than if the person had filed a Chapter thirteen. <br /> <br /> When a person has filed for either bankruptcy it becomes public record information that can be viewed by anyone with acccess to public records documents. <br /> <br /> Again, bankruptcy needs to be considered as the very last option to debt relief.</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:_Research_Reports&diff=2122 2004-11-22T22:13:37Z

<p>Ryan woods: </p> <hr /> <div>Credit Management Summary by Ryan Woods<br /> <br /> <br /> For those who need assitance managing their credit there are a variey of choices and options out there. In an article by Hispanic magazine, financial author Julie Stav explains what a FICO score is, how credit bureaus calculate it, and steps on ways to improve your score. An article by U.S. News and World Report states the following steps to keep this score manageable:<br /> <br /> 1) Pay bills on time.<br /> 2) Pay down debt.<br /> 3) Maintain long-term credit relationships.<br /> 4) Do not apply for too many loans.<br /> <br /> A great self-help guide to consider is Repair Your Own Credit which instructs debtors how to repair their credit and how to reestablish credit. It also lists organizations that will either give people free assistance or charge a very low cost to help someone stay out of debt. In NEA Today, they also refer to some credit management agencies such as Equifax as well as warn people about credit repair clinic rip-offs saying they do not do anything that you cannot do yourself.</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=2104 2004-11-18T21:10:52Z

<p>Ryan woods: /* Articles */</p> <hr /> <div>[[Debt Relief | Debt Relief Home Page]]<br /> <br /> This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> <br /> === Articles ===<br /> * [http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&amp;id=4895/ Don't Wait For The Perfect Situation To Pay Down Your Debt] - Article that encompasses why procrastination can lead to larger problems when dealing with debt.<br /> *[http://www.moneycentral.msn.com/content/savingsanddebt/managedebt/P36230.asp/ A 24 - hour debt reduction plan. Dunleavey, M.P. November 2004]- An interesting article offering assistance to the recent college graduate overwhelmed by secure and unsecured debt. <br /> *[http://www.moneycentral.msn.com/content/savingsanddebt/managedebt/P84133.asp/ The long, hard road back from bankruptcy] - This article gives a realistic look of what a Chapter 13 or Chapter 7 does to your credit history. The article is an overall view of how you are view as a potential customer even after the bankruptcy is discharged.<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> <br /> === Credit Reporting Agencies ===<br /> View your credit report.<br /> * [http://www.transunion.com/ TransUnion] - Credit reporting agency<br /> * [http://www.equifax.com/ Equifax] - Credit reporting agency<br /> * [http://www.experian.com/ Experian] - Credit reporting agency<br /> <br /> <br /> === Self Help ===<br /> * [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt.<br /> * [http://www.familycredit.org/ Family Credit]-- A non-profit, faith-based approach to managing debt.<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.<br /> *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.<br /> *[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.<br /> *[http://www.debtsteps.com/consolidat-debts.html Should you consolidate your debts?]-Provides you with information on choosing between borrowing money to pay off your debt or consulting a consumer credit counseling service<br /> *[http://www.moneycentral.msn.com/savingsanddebt/managedebt/ Your worst 3 debt consolidation moves] - If you are overwhelmed and seeking a quick outlet for relief debt consolidation can seem like the best answer. This source will allows you to view some of the consequences if you dive in without reading the fine print of debt consolidation.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm Choosing a credit counselor]-This site gives advise on choosing a credit counselor.<br /> <br /> === Statistics ===<br /> * [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&amp;id=5211/ Effects of Consumer Debt] - Statistical information on debt and how it affects the average consumer.<br /> * Anonymous. &quot;Graduates learn a lesson in debt management&quot; &quot;Credit Management&quot; (May 2003): 12.<br /> * Oglivie, Donald G. &quot;A view of the economy&quot; &quot;The Kansas Banker&quot; 89.1 (Jan 1999): 20.<br /> * Mapother, William R. &quot;Taming Consumer Debt&quot; &quot;Credit Union Magazine&quot; 70.4 (Apr 2004): 72.<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> *Hynes, Richard M. &quot;Overoptimism and Overborrowing.&quot; ''Bringham Young University Law Review''2004.1 (2004): 127.<br /> * Rowland, Mary. &quot;Good Credit gone Bad?&quot; ''NEA Today'' 16.5 (Jan 1998): 38.<br /> *Sandberg, Erica. &quot;The Value of Financial Planning and Debt Reduction Services for Employees and Employers.&quot; ''Employee Benefits Journal'' 27.4 (2002): 37.<br /> * &quot;Coming To Terms&quot; ''NEA Today'' 16.5 (Jan 1998): 38.<br /> * Goldwasser, Joan; Lankford, Kimberly. &quot;Where To Go For Help&quot; ''Kiplinger's Personal Finance'' 55.11 (Nov 2001): 77.<br /> * Morris, Valerie. &quot;Should You Consider Debt Consolidation&quot; ''Essence'' 33.11 (Mar 2003): 103<br /> * Brown, Monique R. &quot;Debt Dilemma&quot; ''Black Enterprise'' 31.11 (Jun 2001): 326<br /> * McClannahan, Rory. &quot;Simple Steps can curb debt, New Mexico Expert says&quot; &quot;Knight Ridder Tribune Business News&quot; (Jun 2004): 1.<br /> * Lee, Karl. &quot; Secured Credit Lines&quot; &quot;The Shooting Industry&quot; 48.10 (Oct 2003): 15.<br /> * Scott, Matthew S. &quot;Q &amp; A: What about debt management?&quot; &quot;Black Enterprise&quot; (Aug 2004): 44.<br /> * Anonymous. &quot;7 Debt - Counseling warning signs&quot; &quot;Essence&quot; 34.6 (oct 2003): 120.<br /> * Vogt, Katherine. &quot;Climbing Out Of Debt.&quot; &quot;American Medical News.&quot; (Feb 2004): Vol 47. pg 13.<br /> * Stav, Julie. &quot;Scoring Good Credit.&quot; &quot;Hispanic&quot; (Nov 2004): Vol 17. pg 42.<br /> * Kuykendall, Lavone. &quot;Sallie Mae Gets Into Business Of Buting Bad Debt.&quot; American Banker.&quot; (Sep 2004): Vol 169. pg 17.<br /> * Young, Gary. &quot;Does the 'Fourth Option' Exist.&quot; &quot;National Law Journal.&quot; (Jun 2004): Vol 26. pg 15.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> * Hammond, Bob. &quot;Life Without Debt.&quot; New Jersey: Career Press, 1995.<br /> * Leonard, Attorney Robin. &quot;Bankruptcy.&quot; Berkley: Nolo Press, 1998.<br /> * Fisher, Sarah Young. &quot;The Complete Idiots Guide To Personal Finance In Your 20's and 30's.&quot; Indianapolis: Alpha Books, 2002.<br /> * Heady, Robert. &quot;The Complete Idiot's Guide to Managing Your Money.&quot; New York: Alpha Books, 1999.<br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=2094 2004-11-18T21:01:41Z

<p>Ryan woods: /* Books */</p> <hr /> <div>[[Debt Relief | Debt Relief Home Page]]<br /> <br /> This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> <br /> === Articles ===<br /> * [http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&amp;id=4895/ Don't Wait For The Perfect Situation To Pay Down Your Debt] - Article that encompasses why procrastination can lead to larger problems when dealing with debt.<br /> *[http://www.moneycentral.msn.com/content/savingsanddebt/managedebt/P36230.asp/ A 24 - hour debt reduction plan. Dunleavey, M.P. November 2004]- An interesting article offering assistance to the recent college graduate overwhelmed by secure and unsecured debt. <br /> *[http://www.moneycentral.msn.com/content/savingsanddebt/managedebt/P84133.asp/ The long, hard road back from bankruptcy] - This article gives a realistic look of what a Chapter 13 or Chapter 7 does to your credit history. The article is an overall view of how you are view as a potential customer even after the bankruptcy is discharged.<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> <br /> === Credit Reporting Agencies ===<br /> View your credit report.<br /> * [http://www.transunion.com/ TransUnion] - Credit reporting agency<br /> * [http://www.equifax.com/ Equifax] - Credit reporting agency<br /> * [http://www.experian.com/ Experian] - Credit reporting agency<br /> <br /> <br /> === Self Help ===<br /> * [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt.<br /> * [http://www.familycredit.org/ Family Credit]-- A non-profit, faith-based approach to managing debt.<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.<br /> *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.<br /> *[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.<br /> *[http://www.debtsteps.com/consolidat-debts.html Should you consolidate your debts?]-Provides you with information on choosing between borrowing money to pay off your debt or consulting a consumer credit counseling service<br /> *[http://www.moneycentral.msn.com/savingsanddebt/managedebt/ Your worst 3 debt consolidation moves] - If you are overwhelmed and seeking a quick outlet for relief debt consolidation can seem like the best answer. This source will allows you to view some of the consequences if you dive in without reading the fine print of debt consolidation.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm Choosing a credit counselor]-This site gives advise on choosing a credit counselor.<br /> <br /> === Statistics ===<br /> * [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&amp;id=5211/ Effects of Consumer Debt] - Statistical information on debt and how it affects the average consumer.<br /> * Anonymous. &quot;Graduates learn a lesson in debt management&quot; &quot;Credit Management&quot; (May 2003): 12.<br /> * Oglivie, Donald G. &quot;A view of the economy&quot; &quot;The Kansas Banker&quot; 89.1 (Jan 1999): 20.<br /> * Mapother, William R. &quot;Taming Consumer Debt&quot; &quot;Credit Union Magazine&quot; 70.4 (Apr 2004): 72.<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> *Hynes, Richard M. &quot;Overoptimism and Overborrowing.&quot; ''Bringham Young University Law Review''2004.1 (2004): 127.<br /> * Rowland, Mary. &quot;Good Credit gone Bad?&quot; ''NEA Today'' 16.5 (Jan 1998): 38.<br /> *Sandberg, Erica. &quot;The Value of Financial Planning and Debt Reduction Services for Employees and Employers.&quot; ''Employee Benefits Journal'' 27.4 (2002): 37.<br /> * &quot;Coming To Terms&quot; ''NEA Today'' 16.5 (Jan 1998): 38.<br /> * Goldwasser, Joan; Lankford, Kimberly. &quot;Where To Go For Help&quot; ''Kiplinger's Personal Finance'' 55.11 (Nov 2001): 77.<br /> * Morris, Valerie. &quot;Should You Consider Debt Consolidation&quot; ''Essence'' 33.11 (Mar 2003): 103<br /> * Brown, Monique R. &quot;Debt Dilemma&quot; ''Black Enterprise'' 31.11 (Jun 2001): 326<br /> * McClannahan, Rory. &quot;Simple Steps can curb debt, New Mexico Expert says&quot; &quot;Knight Ridder Tribune Business News&quot; (Jun 2004): 1.<br /> * Lee, Karl. &quot; Secured Credit Lines&quot; &quot;The Shooting Industry&quot; 48.10 (Oct 2003): 15.<br /> * Scott, Matthew S. &quot;Q &amp; A: What about debt management?&quot; &quot;Black Enterprise&quot; (Aug 2004): 44.<br /> * Anonymous. &quot;7 Debt - Counseling warning signs&quot; &quot;Essence&quot; 34.6 (oct 2003): 120.<br /> *<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> * Hammond, Bob. &quot;Life Without Debt.&quot; New Jersey: Career Press, 1995.<br /> * Leonard, Attorney Robin. &quot;Bankruptcy.&quot; Berkley: Nolo Press, 1998.<br /> * Fisher, Sarah Young. &quot;The Complete Idiots Guide To Personal Finance In Your 20's and 30's.&quot; Indianapolis: Alpha Books, 2002.<br /> * Heady, Robert. &quot;The Complete Idiot's Guide to Managing Your Money.&quot; New York: Alpha Books, 1999.<br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1863 2004-11-10T00:39:31Z

<p>Ryan woods: /* Books */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> <br /> === Articles ===<br /> * [http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&amp;id=4895/ Don't Wait For The Perfect Situation To Pay Down Your Debt] - Article that encompasses why procrastination can lead to larger problems when dealing with debt.<br /> <br /> ''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''<br /> <br /> Jean, Chatzy &amp; Bigda, Carolyn. &quot;Weapons Of Mass Debt Destruction&quot; Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=<br /> 1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Jean, Chatzy. &quot;Which Debts Do You Attack First?&quot; Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Shean, Tom. &quot;Virginia Bill Would Allow Debt Counselors To RAise Fees&quot; Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1<br /> http://proquest.umi.com/pqbweb?index=3&amp;did=000000566566991&amp;SrchMode=1&amp;sid=3...<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> <br /> === Credit Reporting Agencies ===<br /> View your credit report.<br /> * [http://www.transunion.com/ TransUnion] - Credit reporting agency<br /> * [http://www.equifax.com/ Equifax] - Credit reporting agency<br /> * [http://www.experian.com/ Experian] - Credit reporting agency<br /> <br /> <br /> === Self Help ===<br /> * [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt.<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.<br /> *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.<br /> *[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.<br /> *[http://www.debtsteps.com/consolidat-debts.html Should you consolidate your debts?]-Provides you with information on choosing between borrowing money to pay off your debt or consulting a consumer credit counseling service<br /> <br /> <br /> === Statistics ===<br /> * [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&amp;id=5211/ Effects of Consumer Debt] - Statistical information on debt and how it affects the average consumer.<br /> <br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> *Hynes, Richard M. &quot;Overoptimism and Overborrowing&quot;. ''Bringham Young University Law Review'' (2004): Vol. 2004 Issue 1, p127.<br /> * Rowland, Mary. &quot;Good Credit gone Bad?&quot; ''NEA Today'' Jan 1998, vol. 16 Issue 5, p38.<br /> *Sandberg, Erica. &quot;The Value of Financial Planning and Debt Reduction Services for Employees and Employers&quot;. ''Employee Benefits Journal'' 12 (2002): Vol. 27 Issue 4, p37.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> * Hammond, Bob. &quot;Life Without Debt&quot;. New Jersey: Career Press, 1995.<br /> * Leonard, Attorney Robin. &quot;Bankruptcy&quot;. Berkley: Nolo Press, 1998.<br /> * Fisher, Sarah Young. &quot;The Complete Idiots Guide To Personal Finance In Your 20's and 30's&quot;. Indianapolis: Alpha, 2002.<br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1861 2004-11-10T00:37:19Z

<p>Ryan woods: /* Books */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> <br /> === Articles ===<br /> * [http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&amp;id=4895/ Don't Wait For The Perfect Situation To Pay Down Your Debt] - Article that encompasses why procrastination can lead to larger problems when dealing with debt.<br /> <br /> ''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''<br /> <br /> Jean, Chatzy &amp; Bigda, Carolyn. &quot;Weapons Of Mass Debt Destruction&quot; Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=<br /> 1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Jean, Chatzy. &quot;Which Debts Do You Attack First?&quot; Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Shean, Tom. &quot;Virginia Bill Would Allow Debt Counselors To RAise Fees&quot; Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1<br /> http://proquest.umi.com/pqbweb?index=3&amp;did=000000566566991&amp;SrchMode=1&amp;sid=3...<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> <br /> === Credit Reporting Agencies ===<br /> View your credit report.<br /> * [http://www.transunion.com/ TransUnion] - Credit reporting agency<br /> * [http://www.equifax.com/ Equifax] - Credit reporting agency<br /> * [http://www.experian.com/ Experian] - Credit reporting agency<br /> <br /> <br /> === Self Help ===<br /> * [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt.<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.<br /> *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.<br /> *[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation.<br /> *[http://www.debtsteps.com/consolidat-debts.html Should you consolidate your debts?]-Provides you with information on choosing between borrowing money to pay off your debt or consulting a consumer credit counseling service<br /> <br /> <br /> === Statistics ===<br /> * [http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&amp;id=5211/ Effects of Consumer Debt] - Statistical information on debt and how it affects the average consumer.<br /> <br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> *Hynes, Richard M. &quot;Overoptimism and Overborrowing&quot;. Bringham Young University Law Review (2004): Vol. 2004 Issue 1, p127.<br /> * Rowland, Mary. &quot;Good Credit gone Bad?&quot; NEA Today Jan 1998, vol. 16 Issue 5, p38.<br /> *Sandberg, Erica. &quot;The Value of Financial Planning and Debt Reduction Services for Employees and Employers&quot;. Employee Benefits Journal 12 (2002): Vol. 27 Issue 4, p37.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> * Hammond, Bob. &quot;Life Without Debt&quot;. New Jersey: Career Press, 1995.<br /> * Leonard, Attorney Robin. &quot;Bankruptcy&quot;. Berkley: Nolo Press, 1998.<br /> * Fisher, Sarah Young. &quot;The Complete Idiots Guide To Personal Finance In Your 20's and 30's&quot;. Indianapolis: Alpha, 2002<br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1844 2004-11-10T00:13:12Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> Bullimore, Nicola. &quot;The Effects of Consumer Debt&quot; 04 November 2004. 7 November 2004 http://www.ezinearticles.com/?The-Effects-of-Consumer-Debt&amp;id=5211<br /> <br /> Wilding, David.&quot;Don't Wait For The Perfect Situation To Pay Down Your Debt&quot; 28 October 2004. 7 November 2004 http://www.ezinearticles.com/?Dont-Wait-For-The-Perfect-Situation-To-Pay-Down-Your-Debt&amp;id=4895<br /> <br /> ''These articles were taken from Galileo and also of the Proquest link in that same site. They deal with how to eliminate debt, laws regarding nonprofit financial-counseling companies, and other forms of credit management.''<br /> <br /> Hayes, Richard M. &quot;Overoptimism and Overborrowing&quot; Brigham Young University Law Review.Provo:2004.Vol.2004,Iss.1;pg.127,42pgs<br /> http://proquest.umi.com/pqdweb?index=4&amp;TS=1099961626&amp;sid=37srchmode=1&amp;vinst=...<br /> <br /> Jean, Chatzy &amp; Bigda, Carolyn. &quot;Weapons Of Mass Debt Destruction&quot; Money; Sep. 2004, Vol.33 Issue 9, p57, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=<br /> 1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Jean, Chatzy. &quot;Which Debts Do You Attack First?&quot; Money; Nov. 2004, Vol.33 Issue 11, p71, 1p, 1c<br /> http://web30.epnet.com/citation.asp?tb=1&amp;_ug=sid+4EAA7F82%2D0382%D4557%2D9363%2DF57B...<br /> <br /> Shean, Tom. &quot;Virginia Bill Would Allow Debt Counselors To RAise Fees&quot; Knight Ridder Tribune Business News.Washington:Mar 1,2004. pg.1<br /> http://proquest.umi.com/pqbweb?index=3&amp;did=000000566566991&amp;SrchMode=1&amp;sid=3...<br /> <br /> Sandberg, Erica. “The Value of Financial Planning and Debt Reduction Services for Employees and Employers”. Employee Benefits Journal 12 (2002): Vol. 27 Issue 4. EBSCOhost. 9 Nov. 2004. GALILEO &lt;www.galileo.usg.edu&gt;. <br /> <br /> The article links financial stability with job function. Erica Sandberg discusses the importance of both, the employees and the employers, as being involved in financial planning and debt reduction for the sake of positive job function. Finally, the qualities of a certified financial planner are discussed.<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/credit-record/t_crrecord.htm/Building A Better Credit Record]-Gives information on consumer reporting agencies, ways of improving and dealing with debt, and avoiding scams from agencies who provide help in solving debt.<br /> *[http://www.pueblo.gsa.gov/cic_text/money/managing-debt/mangdebt.htm/ Managing Your Debts: How to Regain Financial Health]-Provides you with some remedies for your relationships with creditors, reducing your debts,and helping you manage your money.<br /> *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling.<br /> *[http://www.edebtfree.org/consolidation.htm]-Provides you with information on debt consolidation.<br /> *[http://www.bankruptcy.findlaw.com/bankruptcy/debt options/bnkruptcy overview overview.html]-Provides you with information on bankruptcy.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> * Rowland, Mary. &quot;Good Credit gone Bad?&quot; NEA Today Jan 1998, vol. 16 Issue 5, p38.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> * Hammond, Bob. &quot;Life Without Debt&quot;. New Jersey: Career Press, 1995.<br /> * Leonard, Attorney Robin. &quot;Bankruptcy&quot;. Berkley: Nolo Press, 1998.<br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Debt_Consolidation&diff=2056 2004-11-09T00:06:00Z

<p>Ryan woods: </p> <hr /> <div>*[http://consumer-debt-consolidation.com/ Debt Consolidation] is restructuring current debt. <br /> In most cases payments are lowered and interest rates are reduced.<br /> *[http://promise.ecol.net/finance/consolid.htm Credit Card Consolidation] - For those looking to consolidate their credit cards.</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1778 2004-11-09T00:05:10Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1761 2004-11-09T00:04:40Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm / Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1760 2004-11-08T23:59:09Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm/ Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1759 2004-11-08T23:52:58Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm/ Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debts/settledebts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> *[http://creditinfocenter.com/loans/studentloans.shtml/ Student Loans] - Find info on student loans from different types to advice on when you default on your loan.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1758 2004-11-08T23:49:57Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm/ Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> *[http://creditinfocenter.com/debts/settledebts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Bibliography&diff=1757 2004-11-08T23:46:50Z

<p>Ryan woods: /* Self Help */</p> <hr /> <div>This is currently a working bibliography. Please be consistent; when in doubt, follow the format of what is already posted. All print resources should use [[What is MLA documentation style? | MLA Documentation Style]].<br /> <br /> == Web Resources ==<br /> === Articles ===<br /> <br /> === Blogs ===<br /> * [http://finance.baylor.edu/weblogs/garven/ Jim Garven’s Blog] — A blog exploring the intersection of risk management, insurance, and finance.<br /> <br /> === Self Help ===<br /> * [http://www.debtsteps.com/ Debt Steps] — Comprehensive reviews to help you protect your financial future.<br /> * [http://www.sorted.org.nz/managing-debt/ Managing Debt] — Learn what debt means for your overall financial situation and how you can control debt, and avoid it controlling you.<br /> * [http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm Credit Repair: Self-Help May Be Best] — Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.<br /> *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment.<br /> * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine break down the top things to know about debt.<br /> * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt.<br /> *[http://promise.ecol.net/finance/bankrupt.htm/ Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt.<br /> <br /> === Statistics ===<br /> <br /> == Print Resources ==<br /> === Articles ===<br /> * Allen, Mary and Chantal Vaillancourt. “Class of 2000: Student Loans.” ''Canadian Social Trends'' 74 (2004): 18.<br /> <br /> === Books ===<br /> * McNaughton, Debra. ''All About Credit''. Chicago: Dearborn, 1999.<br /> <br /> <br /> <br /> ----<br /> <br /> [[Debt Relief]]</div>

Ryan woods https://litwiki.org/index.php?title=Debt_Relief:Debt_Consolidation&diff=1762 2004-11-08T23:41:38Z

<p>Ryan woods: </p> <hr /> <div>*[http://consumer-debt-consolidation.com/ Debt Consolidation] is restructuring current debt. <br /> In most cases payments are lowered and interest rates are reduced.<br /> *[http://promise.ecol.net/finance/consolid.htm/ Credit Card Consolidation] - For those looking to consolidate their credit cards.</div>

Ryan woods