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=== Self Help === | === Self Help === | ||
* [http://www.bbb.com/ Better Business Bureau] - This website will allow the opportunity to research more reliable debt relief agencies. | |||
* [http://www.myfico.com/ FICO Score] - Find out what a FICO score means to you. | |||
* [http://www.usdoj.gov/ Attorney General] - Contact your state's Attorney General office. | |||
* [http://www.collector.com/ American Collector's Association] - Find out more about what the American Collector's Association can do to help you. | |||
* [http://www.cccsintl.org/ Consumer Credit Counseling] - A reliable non-profit debt relief agency. | |||
* [http://www.bcsalliance.com/ Find out your state law on debt] - Click on "State laws governing debt collection." | |||
* [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt. | * [http://www.debtattack.com/ Debt Attack] - Extensive information on good and bad debt and ways to get out of debt. | ||
* [http://www.familycredit.org/ Family Credit]-- A non-profit, faith-based approach to managing debt. | * [http://www.familycredit.org/ Family Credit]-- A non-profit, faith-based approach to managing debt. | ||
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* [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. | * [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. | ||
*[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment. | *[http://consumer-debt-consolidation.com/ Debt Consolidation Help]- Consolidate your debt into one payment. | ||
* [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine | * [http://money.cnn.com/pf/101/lessons/9/index.html/ Controlling Debt] - CNN and Money Magazine breaks down the top things to know about debt. | ||
* [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt. | * [http://www.usaweekend.com/99_issues/990822/990822finance.html/ Good debt vs. bad] - USA Weekend Magazine establishes some borrowing guidelines to avoid bad debt. | ||
*[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt. | *[http://promise.ecol.net/finance/bankrupt.htm Bankruptcy and Restructuring Debt] - Gives advice on the advantages and disadvantages of bankrutcy and restructuring debt. | ||
*[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors | *[http://creditinfocenter.com/debt/settle_debts.shtml/ Settling Debts] - Learn ways to settle debts including dealing with creditors. | ||
*[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. | *[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. | ||
*[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. | *[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. | ||
*[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. | *[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. | ||
*[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling. | *[http://www.edebtfree.org/ccc.htm/ Credit Counseling]-Provides you with information on credit counseling. | ||
*[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation. | *[http://www.edebtfree.org/consolidation.htm Debt consolidation loans]-Provides you with information on debt consolidation. | ||
* [http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm Choosing a credit counselor]-This site gives advise on choosing a credit counselor. | * [http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm Choosing a credit counselor]-This site gives advise on choosing a credit counselor. | ||
* [http://www.reducecarddebt.com/debt_consolidation_review.htm Reducing Credit Card Debt and Debt Consolidation]-This site explains that there is always a way to become debt free, no matter what the circumstances are. | * [http://www.reducecarddebt.com/debt_consolidation_review.htm Reducing Credit Card Debt and Debt Consolidation]-This site explains that there is always a way to become debt free, no matter what the circumstances are. | ||
=== References === | |||
* [http://arc.cs.odu.edu:8080/dp9/getrecord/oai_dc/etd.lsu.edu/oai:etd.lsu.edu:etd-0701102-195347 Bayesian Updating of Simulated Household Travel Survey Data for Small/Medium Metropolitan Areas]-Used to help construct survey validation. | |||
=== Statistics === | === Statistics === | ||
* [http://www. | * [http://www.effectivefinancial.com/offers/finances/default.asp?id=GOGa103b/ Statistics on debt and its results] | ||
* Anonymous. "Graduates learn a lesson in debt management." ''Credit Management'' (May 2003): 12. | * Anonymous. "Graduates learn a lesson in debt management." ''Credit Management'' (May 2003): 12. | ||
* Oglivie, Donald G. "A view of the economy." ''The Kansas Banker'' 89.1 (Jan 1999): 20. | * Oglivie, Donald G. "A view of the economy." ''The Kansas Banker'' 89.1 (Jan 1999): 20. | ||
* Mapother, William R. "Taming Consumer Debt." ''Credit Union Magazine'' 70.4 (Apr 2004): 72. | * Mapother, William R. "Taming Consumer Debt." ''Credit Union Magazine'' 70.4 (Apr 2004): 72. | ||
* Anonymous. " 7 Debt - counseling warning signs." | * Anonymous. " 7 Debt - counseling warning signs." ''Essence''. 34.6 (Oct 2003): 120. | ||
* Anonymous. "All change at CCM." | * Anonymous. "All change at CCM." ''Credit Management'' (May 2003): 21. | ||
* Anderson, John H. "An introduction to bankruptcy." (Apr 2003): 27. | * Anderson, John H. "An introduction to bankruptcy." (Apr 2003): 27. | ||
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=== Journals === | === Journals === | ||
* Cressy, Robert C. "Debt rescheduling versus bankruptcy: The creditor's decision problem." Journal of Business Finance & Accounting; Oct96, Vol. 23 Issue 8, p1141, 16p | * Cressy, Robert C. "Debt rescheduling versus bankruptcy: The creditor's decision problem." ''Journal of Business Finance & Accounting''; Oct96, Vol. 23 Issue 8, p1141, 16p | ||
* Hynes, Richard M. "Overoptimism and Overborrowing" Brigham Young University Law Review; 2004, Vol. 2004 Issue 1, p127, 42p | * Hynes, Richard M. "Overoptimism and Overborrowing" ''Brigham Young University Law Review''; 2004, Vol. 2004 Issue 1, p127, 42p | ||
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[[Debt Relief]] | [[Debt Relief]] |
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