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  Consumer Credit Templates

Climb to the top of the priority list. Everyone that seeks to deal with debt collectors or credit bureaus should be armed with this template package. This collection of letter and fax templates is a powerful means to dealing with all three credit bureaus and debt collectors
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  Mortgage Refinance

Learn your options with regard to refinancing the existing loan to lower your monthly payment, lower the interest rate, pull cash out or shorten the term of your existing home loan, we can match you with a home loan program that meets your specific needs. Our nationwide network of home loan and mortgage refinance professionals have access to literally hundreds of loan programs perfectly suited for those with less than perfect credit.

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HOME :: RESEARCH :: DEBT :: NEWS:: MAY 2007

65 Ways To Save Money III


Enrolling in load management programs and off-hour rate programs offered by your electric utility may save you up to $100 a year in electricity costs. Call your electric utility for information about these cost-saving programs.

Once a year, review your phone bills for the previous three months to see what local, local toll, long distance, and international calls you normally make. Call several phone companies which provide service in your area (including wireless and cable), to find the cheapest calling plan that meets your needs. Consider a bundled package that offers local, local toll and long distance, and possibly other services, if you heavily use all the services in the bundle.

Check your phone bill to see if you have optional calling features or additional services, such as inside wire maintenance, that you don't need. Each option you drop could save you $40 or more each year.

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