Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
06/19/2018 16:09:47

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Don T Kill KennyMegaman Project XPrince Of PersiaChambre D AudreyGuitar Drum Revolution

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles

Las Vegas

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Debt Negotiation Tips

When you reach the position where you can't afford your debt repayments, it's time to take action.

Instead of running from your situation you need to take positive steps to fix it. If you reach the stage where you canít keep up with the repayments, itís VITAL that you contact your creditors as soon as possible and explain your situation.

It will help your situation greatly if you mange to contact your creditors before they contact you.

It will show them that you take your situation seriously and have taken responsibility for the state of your finances. It will reassure them that theyíre more likely to receive their moneyÖ.eventually!

Now this may be hard to believe, but your creditors wonít want to take court action against you unless itís absolutely necessary.

Would you like to know why? Well first, all court action is time consuming, costly and unpredictable. Itís generally a last resort, when all other avenues have been exhausted.

Second, itís a question of maths. Itís just a simple commercial decision. If you were in the business of lending money and someone was having trouble repaying you, let me ask you a question. Would you rather receive all of it over a much longer period that originally agreed, or 20 cents in the dollar months later when the bankruptcy courts get it all sorted out?

Exactly! Thereís no contest. Bankruptcy benefits nobody (well, apart from the lawyers and accountants, but thatís another matter!)

And most lenders realise this!

If theyíre offered a reduced payment schedule over a longer period, most will be glad to accept it. In most cases it will allow them to receive more of their money back than the alternative of bankruptcy. And that my friends, is your opportunity to find a solution to your debt problems!

Contact Your Creditors Early

As soon as you know you wonít be able to keep up with your repayments, get in touch with your lender. Write to them explaining your situation, giving them the reasons for your financial difficulties. Creditors will often be open to negotiation, and dare I say it, quite helpful. As I say, they just want to ensure that they get as much of their money back as possible. It may be possible to work out a more suitable repayment schedule that will allow you to pay off your debts.

If you ignore your creditors, theyíll have you in court quicker than you can say bankruptcy! Ignoring letters from creditors tends to make them ratty. Remember, they donít want to take legal action, unless your actions force them to! But if your general attitude says to them ĎIím in this position because I spend recklessly and have a cavalier attitude towards my debtsí, they wonít have any choice.

Once youíve drawn up a personal budget and know how much you can afford to pay towards your debts each month, contact your creditors and make them an offer. Itís best to keep your offer of reduced monthly payments as brief and precise as possible. But above all, make it honest and realistic.

This is good ĎI would therefore like to offer per month to repay this accountí.

This isnít ĎIím hoping that things will get better over the next couple of months, so Iíll increase my payments as much as I can at that timeí. Rubbish! The lenders would laugh in your face at that sort of offer!

And whatever happens, when it comes to making an offer of reduced payments, don't bluff your creditors.

by Stuart Laing

Copyright (c) Get Out Of Debt

About the Author: Stuart runs a website dedicated to helping people get out of debt. So if you want to improve your financial position, visit for free, impartial information on how to reduce debt.

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2018 WhmSoft - All Rights Reserved.