bankruptcy破产

10 Credit Myths1910年信用神话
by Scott Bilker由斯科特bilker

S cott Bilker is the author of the best-selling book "Credit Card and Debt Management."作者是棉花收盘bilker的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

As they say, "Knowledge is power."正如他们所说,"知识就是力量" Many times people either act on false information or fail to act because they didn't know what could be done to their benefit.行为人多次或者虚假信息或不采取行动,因为他们不知道怎么办,对他们有利. This is the case in many areas of life, but on the top of that list is money.这种情况在许多生活领域,但在名单之外,是金钱. And in the money category you will find lots of misinformation about credit.在金钱、你会发现很多类错误信贷.

There is so much to talk about on the topic of credit myths that an entire book could be dedicated to it.有这么多谈的话题,全书信用神话可以献给.

Myth #1: I'm a complete financial loser for getting myself into this mess.迷思#1:我是一个完整的财务输入自己争取这个烂摊子.

Fact: It may be true that you're responsible for getting into debt but that doesn't make you a loser.事实:也许你真的陷入债务负责,但不使你一个失败者. In fact, it may not be your fault at all.事实上,它可能不是你的过错可言. As long as you start working on becoming more knowledgeable when it comes to finances, you will ultimately find success in controlling your debt.只要你着手日趋知识化说到财政你找到最终成功地控制了你的债务.

Myth #2: Credit is what got me into this mess.迷思#2:什么是信用拉去这个烂摊子.

Fact: Spending is what got you into debt.事实:是什么机缘让您成为消费债务. Credit was the means to spend.信贷消费方式. If you're problem is spending then very well may have spent all your cash.如果你的问题是很好的消费则可能花费你所有的现金. However, credit cards may make it easier to spend.不过,信用卡消费可更容易.

Myth #3: There's nothing I can do about it now.迷思#3:没有什么,我现在能做的事情. My credit is destroyed forever!我国信用毁灭常青!

Fact: As long as you work, starting today, to rebuild your credit, you'll eventually get it under control.事实:只要你的工作,从今天起,你的信用重建,这下你终于得到控制. Rebuilding your credit means: (1) Paying on time; (2) Looking for better credit options; and (3) Learning more about money and credit.重建信用你是指:(一)按时缴纳;(2)寻求更好的信贷方案;(3)了解货币和信贷.

Myth #4: If I cosign a loan for my friend, it has no affect on my credit.神话#4:如果我的朋友cosign贷款,却没有影响对我的信用.

Fact: When you cosign a loan it's like you took the loan on your own!其实:当你cosign贷款就好像你把自己贷款! It may be true that your friend is the first one responsible for the loan, however, if they default it's completely your problem.它可能是事实,你的朋友是第一位负责贷款,但如果他们违约的问题完全是你.

Myth #5: It's fine to give out my credit card number for identification as long as I don't authorize a charge.#神话5:它给了我优良的信用卡号码,只要我不认同授权费.

Fact: NEVER give out your information as a form of identification.事实:你的信息永不出一种认同感. When it comes to giving out any personal information, be sure you know exactly with whom you're speaking.说到发放任何个人资料,相信你知道到底是谁与恻隐之心. This is especially true when someone on the phone.更何况人打电话.

Myth #6: If I pay off an old debt it will be removed from my account.迷思#6:如果我的老债务偿还它会从我的帐.

Fact: Most likely, no.事实:最有可能,没有. In fact, when you pay past-due debts it restarts the time period that it can be reported in your credit history!事实上,当你付出过去因债务重启动时间,它可以在您的信用报告的历史!

Myth #7: When I get divorced my "X" will owe half the debts.神话#7:当我离婚了我的"X"的一半将欠的债.

Fact: If your name is on the account then you owe the money!事实:如果你的名字然后就到你欠的钱! If you have a joint account and your ex-spouse refuses to pay, even if you've agreed they would, then you're next on the collection list.如果你和你的联合帐户前配偶拒绝支付,即使您同意将那么你下次就收集名单.

Myth #8: The government owns the credit bureaus.神话#8:政府拥有的信用社.

Fact: Credit-reporting-agencies are not owned by the government.事实:信用报告-机关不是属于政府. Although, there are many laws that dictate how they must operate.虽然有许多法律规定如何经营.

Myth #9: I cannot change the information on my credit report.神话#9:我不能改变我的信用资料报告. It's set in stone.它集石材.

Fact: You can change the information!事实:你可以改变信息! The Fair Credit Reporting Act outlines that information that's not 100% accurate or cannot be verified with 30 days, must be removed.公平信用报告法概述,信息不准确或不能百分之百核实30天必须拆除.

Myth #10: If I get in debt too deep I'll just file for bankruptcy protection.神话#10:如果我得太深我才刚刚债务立案破产保护.

Fact: The bankruptcy laws are changing to make it more difficult to eliminate all your debt in a bankruptcy so you may end up paying much of it back anyway.事实:破产法正在改变,使其更难以消除所有债务破产等你你掏腰包许多回撤走. It will also be on your credit report for 10 years!它也将是你的信用报告10年! Hey, if you have NO OTHER OPTIONS then you should certainly investigate bankruptcy.嘿,如果没有其他选择,你一定要查破产. However, it's much better to settle the debts if you can.但是,它好得多如果你能还钱.

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

10 Reasons You Should Hate Your Credit Card Banks!你恨你的10个理由银行信用卡!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Buying a house forces you into debt, going to college forces you into debt, buying a car forces you into debt, if you don't have a credit card then you don't exist because you don't have a credit history.买房子,你到部队债务,债务变成你上大学队,您买车势力进入债务如果你没有信用卡那么你就不存在,因为你没有信用历史. We just can't win.我们不能赢.

And when you finally get some debt, the credit card banks are right there to take advantage of us!而当你终于得到了一些债务,银行有权有信用卡趁我们! I've had enough!我受够了! I'm sure you have too, so please tell me your story in the survey.我相信你有过,所以请告诉我你的故事了调查.

1.1. CRAZY HIGH-INTEREST RATES疯狂的高利率
Believe it or not my friend recently received a credit card offer through the mail with a starting interest rate of 35%.信不信朋友近日收到的邮件,通过开办信用卡利率起了35%. I can do better with almost any loan shark!我可以做得更好,几乎任何高利贷! Oh yeah, that bank IS a loan shark--depending on your definition of "is."哦噢,那是高利贷银行--靠你"的定义是"

2.2. CHANGING THE TERMS WITH FINE PRINT字体转换条款
Ever notice that the bank's letters that encourage you to use your credit are in BIG BOLD letters.公告说,该行以往的信件,鼓励你用你的信用大粗体字. You know, the letters that say, "go on vacation," "write yourself a check," "buy a new wardrobe," but the letters that try to get you to give up your rights are in microscopic small type?你知道英文字母,例如"去度假"、"你写了检查"、"买了新衣柜,"但是你信,尝试放弃你的权利是在小镜式?

What are they hiding?他们躲在什么?

They're raising their late fees, getting you give up your right to bring them to court, jacking-up your interest rates, and much more!他们自己筹集学费下旬,令你放弃了自己的权利,使他们能够苑顶你利率上升、多!

The worst part is that these "amendments" are "negative response."最不幸的是,这些"修正"是"负面反应" That means that if you don't tell them that you don't want the terms, then you're agreeing with whatever they sent you.这意味着,如果你不告诉他们,你不想条款那么你同意他们送你.

It's like those music clubs.这就像那些音乐俱乐部. You know the ones.你知道自己. You pay 1 cent to join and get 12 CD's.你付1份加入以休息12裁. The only catch is that if you don't tell them not to send the monthly selection they send it automatically and bill you!唯一不明白的是,如果你不要将他们送到每月选择自动法案你! It's like making a deal with the devil!那就像与魔鬼达成交易!

I'd love to do business like that!我爱做生意一样! I'll just ship you a television, and if you don't return it I can charge you!我陪你刚刚舰电视,如果你不回我可以负责你! Real easy to get the sale isn't it?真不容易卖吗?

I guess if you happened to die while the letter is in the mail then it's a guarantee you'll agree since there's no way to respond.我猜想,如果你想死,而信是发生在那邮件的保证你同意既然无法回应. If the banks had it their way they'd probably try to bill you in the afterlife.如果多数银行就会早早地在你可能尝试法案来世.

3.3. BAIT AND SWITCH诱饵和开关
You know those pre-approved credit offers you receive in the mail nearly everyday?你知道那些预先核准您收到的邮件提供信贷几乎天天? Well, they're really not "pre-approved."那么就很没有"预先核准" Check the fine print.核对字体. They always have some words that allow them to weasel out of giving you the card that you think you're applying for.他们总是有一些文字,让他们走出黄鼠狼给你,你认为你的卡申请.

The offer may say, "0% for six months, then 9.9% fixed, with no annual fee, and $5,000 credit limit."要约可以说,"0%六个月,然后固定9.9%,无年费、五千元的信贷限额" Then you get the card and it's "6.9% for 3 months, 29.99% variable, $50 annual fee and $400 credit limit."那么你就得到卡的"3个月6.9%、29.99%变数,年费50元、400元的信贷限额"

What happened?什么事?

Re-read the fine print in the original offer and you'll find the tricky legalese that says something like, "Ha, ha bet you can't read letters this small! We don't have to approve the pre-approved offer and can therefore send you any card we wish."再细读一遍,并在原来的歌坛提供法律术语,说什么刁钻"房房打赌你不能阅读信件这一小!我们没有核准预先核准,并提供任何可以送卡祝你."

4.4. PENALTIES FOR BEING LATE TO OTHERS惩罚迟到他人
You'll love this one!爱你一本! Many credit card banks have changed their policies so they can raise your rates, no surprise, but check this out.许多银行的信用卡已经改变其政策,以便他们能够提出你率意料,但瞧瞧. Some will raise your rate to 23% if you're late paying your electric bill.有些贵率将提高到23%,如果你逾期缴纳电费贵. That's right!对呀! They check your credit file and if you are late paying any other bills, not just theirs, they slam you even more!他们检查你的信用档案,如果你是已故另收其他法案,不仅自己的作品,他们猛撞你更!

5.5. DECEPTIVE OFFERS有欺骗性
Even when you read all the fine print they can STILL do whatever they want.甚至当你看过所有的字体也可以为所欲为. They'll send you credit offers and say, "you can use all your available credit" and when you do they'll charge you a penalty fee!人家送你,并说提供信贷、"你可以用你所有可用信用"当你就会费征收惩罚你! Then when you call to complain they'll tell you that you're an idiot that doesn't have any common sense.当你打电话来抱怨,他们告诉你,你是白痴,没有任何常识. See my article "Chase Bank Tries to Pull a Fast One."看到我文章"大通银行试图出卖"

6.6. CAN'T EVER SPEAK TO A HUMAN不能向任何人发言
Just try calling them to check on your account.光是骂你查核帐目. It's takes forever to speak to a human!秀的人就永远! They always want you to key in all the account information, all the numbers, then when you finally talk to their drones they ask you for all that information again!他们在关键时刻要你所有帐户资料,所有的号码那么,当你终于可以说,他们的无人驾驶飞机,请您对所有信息! Why the hell did I enter it in the first place!为什么我没有进入地狱,这是千真万确的!

I can get around this by hitting "0" then the "#" keys.我能找到的命中"0",那么,"#"键. I get a reply, "We cannot recognize your account number so please be tortured again by reentering it now."我得到的答复是"我们不能承认帐号所以请您再次复出现在折磨" I keep hitting the "0" and "#" keys until the recording gives up and says, "Please hold while we transfer you to one of our new hires who probably cannot help you anyway."我一直打到"0"和"#"键,直到录音放说:"请把你认为我们虽然是我们新聘者大概无论如何不能帮助你"

Hmm, It's almost like they don't want you to talk to anyone...HMM的,那几乎就像他们不想跟任何人::你

7.7. BANKRUPTCY LAW HYPOCRISY破产法的虚伪
Here's another good one.这里的另一个好. The banks have lobbied Washington to change bankruptcy laws to make it more difficult to dissolve debts in bankruptcy.华盛顿游说改变银行破产法,使其更加难以化解债务破产. They want the consumer to be more responsible for repaying their debt!他们希望消费者能够更负责讨债!

Let's see.让我们看看. Who gave the consumer making $10,000 per year a $50,000 credit line?谁给消费者每年制作10,00050,000信贷额度? Who sent that consumer letters saying, "go on vacation, give a check as a present this season, buy a new wardrobe."谁送消费者来信说,"去度假,作检查作为当前这个季节,买了新衣柜."

Give me a break.给我一个突破. These banks want to have it both ways.这些银行都希望有两全其美. It's just as much they're responsibility for making us able to get into debt.那只是尽量使他们负责我们抽到债务.

Do you think they'd be in favor of a 3-day waiting period to give credit cards?你认为他们碰到了倾斜的3天等待期让信用卡? How about the government has to call the consumer to verify that they can really afford to use the credit line?政府如何呼吁消费者证明他们真的有能力运用信贷路线? Think the banks would like that!认为银行想!

8.8. STOP YOU FROM GETTING A JOB OR HOME制止你找工作或回家
If you have a problem with your credit card bank they're going to report this in your credit history.如果你有你的问题,他们要去银行信用卡在您的信用报告,这一历史. Everyone looks at your credit history.大家看看你的信用历史. Landlords review it to see if you will be a good tenant, insurance companies look at that report, and employers also review your credit history.房东检讨,看看你会是个好租客,保险公司看这份报告您还审查和雇主信用历史.

What happens when the creditors make a mistake?怎么当债权人提出错了吗? A mistake that makes you look terrible to potential employers and landlords?一个可怕的错误,让你潜在的雇主和房东看? Oops, not their problem.不巧,不是他们的问题. It's your responsibility to find and correct their error.这是你们的责任,找到正确的错误.

I bet many people have been turned down for jobs and are paying more for their insurance because of a mistake in their credit report that a bank made years before!我打赌,许多人已经拒绝工作,更是为他们的保险,因为在他们的信用报告出错了几年前一家银行!

9.9. FEES, FEES, FEES学费,学费,学费
Late fees, overlimit fees, annual fees, bla, bla, bla.逾期费,超限费、年费、血乳酸、血乳酸、血乳酸. And they're going UP!而莲雾起来! It's like being robbed at gunpoint in an alleyway by a guy in an Armani suit!它就像一个持枪的家伙,在一个小巷时装西装!

Come on, give me a break!来吧,让我休息! Does it really cost the bank $35 if you're late by one day with your payment?银行是否真的成本35元,如果你迟了一天你付款? I doubt it.我很怀疑.

Actually, you may not have been late at all.其实,你可能没有后期可言. The bank may have just credited your account late and charged you anyway.刚存入银行帐户后,您控告你. see the article, "One Day Late--Yeah Right!"见文章"迟一天--嗯权"! to read more about this.多阅读有关情况.

Banks make 47% of their revenue from fees!银行做出47%的收入来自学费! Don't ever let a fee go.不要老是让费走. Call the bank and make them waive that fee, and if they don't, PUNISH them by doing business with another institution.电话银行,并使其免收学费,如果不去惩罚他们做生意另一个机构.

10.10. CREATE MORE WORK创造更多工作
I remember as a kid when my parents brought in the mail.我记得我父母为孩子带来的邮件. I used to ask, "Is there anything for me?"我曾经问:"我有什么"? What's was their response, "No, only bills."什么是他们的反应:"不是,只是法案"

Freakin' bills!freakin法案! That's all that's in the freakin' mail.这一切的在freakin'送达. And you have to read the details or they'll freakin' get you!你要详细阅读或是freakin'取你性命!

CONCLUSION结论
The only way to fight back is to use one bank against the other.只有这样还击是用一个银行针对另一方. They need our business so we need to reward the banks that are good to us and punish the ones that take advantage of us.他们需要我们的商业银行,须有良好的奖励和惩罚那些对我们利用我们.

Banks are a business like any other.像其他银行业务. They're job is to service you and I. If we don't like they way they treat us then it's time to do business with another bank!他们的职责是为您服务、导如果不喜欢他们对待我们,那么他们的时间做别的银行业务! Don't ever be "brand loyal" unless that bank has been "customer loyal."千万不要被"品牌忠诚"除非该银行一直"客户忠诚" Meaning that they've always given you their best rates and service!这意味着他们就整天给你最好的利率和服务!

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

A term used to describe a poor credit rating.一个词来形容一个贫苦的信用评级. Common practices that can damage a credit rating include making payments late, skipping payments, exceeding credit card limits or declaring bankruptcy.常见的做法会破坏信贷评级列入逾期付款,跃金信用卡超过限额或者宣告破产. " Bad Credit " can result in being denied credit."失信"可导致被拒绝贷款.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Bankruptcy is a legal declaration of the inability to repay debts.破产是一个合法的声明无力偿还债务. Bankruptcy should be viewed as a last resort.破产应视为最后手段. It will have a severe impact on a credit rating and will remain on a credit report for ten years.这将有严重影响,信用评级、信用报告>仍将十年. Furthermore, bankruptcy is not a solution in all cases.此外,破产不是解决所有案件. Federal student loans, Federal tax debt and child support are all exempt from bankruptcy protection.联邦学生贷款、债务和子女抚养的联邦税免征都是破产保护. Bankruptcy agreements vary but there are two types of agreements that most people choose: Chapter 7 and Chapter 13.破产协议有两种不同的协议,但大多数人选择:第7章、13章.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The new bankruptcy law, which went into effect on October 17, 2005, states that before filing for bankruptcy, one must enroll in a credit counseling program.新破产法施行于2005年10月17日,国家立项之前破产要报名参加信用辅导计划.

Christian Financial Consultants can provide eligible credit counseling .基督徒可以提供财务顾问资格信用辅导. In fact, with our credit counseling, debt settlement, and debt consolidation programs, we may be able to help you avoid bankruptcy completely.事实上,随着我国信用咨询、债务清偿、债务整理节目我们可能可以帮助你避免彻底破产. When you file for bankruptcy, it stays on your record for 10 years -- making it difficult to get a loan, find a job, or even rent an apartment.当你立案破产维持了10年的纪录你--难以得到贷款,找到工作,甚至租房子. For this reason, it has always been a good idea to try debt settlement and debt consolidation before considering bankruptcy filing.为此,一向好主意,设法解决债务、破产债务整理归档,然后才考虑.

Learn more about our credit counseling, debt settlement, and debt consolidation programs.了解我们的信用辅导,债务清偿、债务整理规划. Fill out the form on the righ side of this page for a free bankruptcy credit counseling session.填写表格的右页方一本免费咨询会议信用破产.

In a Chapter 7 agreement, the court resolves most debts by selling assets and property so that the filer is given a fresh financial start.第七章一协定法院决定出售资产及债务大部分财产,使金融开始重新给予备案. The court takes all assets including cars, homes, furnishings, jewelry or anything else of value.法院通吃资产包括汽车、住房、家具、饰品等等价值. The assets are sold to pay off the debt.出售资产来偿还债务. There are some debts that a person may wish to repay on their own instead of having the court resolve it.有些人可能希望债务偿还自己而不是由法院解决. This is called reaffirmation.这叫做肯定. Reaffirmation is a special payment plan with the court.肯定是一个特殊的付款计划在法院. For example, if a car loan is reaffirmed, the person keeps the car and makes payments under new terms.举例来说,如果汽车贷款是肯定的人车,并不断发放新名词. Chapter 7 bankruptcy will not eliminate debts due to taxes, child support, alimony, student loans, court fines or personal injury caused by driving drunk or under the influence of drugs.第七章破产债权由于税不会消除,抚养、赡养、学生贷款、法院罚款或人身伤害或影响下酒醉驾车罪名. A Chapter 7 filing will remain on a credit report for 10 years.第七章档案的信用报告,仍将按10年.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Is your debt burden causing you to consider filing for bankruptcy?你的债务负担使你考虑存档破产?
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers' need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有信徒们在充满挑战的时代需要.

Christian Financial Consultants' unique Christian bankruptcy prevention program may help you to:基督教财务顾问的独特的基督教破产程序可以帮助你预防:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Before filing for bankruptcy, be sure to look at all your options.破产前申报,一定要看看你的选择. We can can help you decide if our Christian Bankruptcy, debt consolidation, debt settlement, or credit counseling programs are a good fit for your situation.我们可以帮助你决定,如果我们基督徒破产、债务整理、债务清偿、一个好的节目或信用辅导适合你的情形.

Please fill out the form on the right for a FREE Christian Bankrupcty and Debt Consolidation counseling session.请在正确填写申请表格基督教bankrupcty免费咨询会议巩固和债务.

If you've reached a turning point and are ready to walk the path towards a debt-free life, we are here to provide guidance, inspiration and the assistance that bring your goals into reach.如果您达到一个转折点,愿意走往债权自由生活我们在这里提供指导、激励和帮助,使你达成目标纳入. Our unique Christian Credit Counseling program can help you.我们独特的基督教信用辅导计画可以帮助你.

Christian Financial Consultants' unique credit counseling and debt consolidation program may help you to:基督教财务顾问的独特的信用咨询和债务合并计划可能帮你:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a free Christian credit counseling session, simply fill out the form on the right.一个自由的基督教信用咨询会议,就干脆填写表格权.

For more information about our Christian Credit Counseling program, click here .更多关于香港基督教信用辅导计画,按此.

Giving Up Your Rights--Without Knowing It!放弃你的权利--不知道!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

If you have a Capital One credit card, then I highly recommend you read this entire article!如果你有一个经常使用信用卡,那么我极力推荐你看看这篇文章整!

I just received a letter from Capital One informing me that "enclosed is an important legal notice regarding arbitration" and I need to "read the entire notice to fully understand its implications" to my account.我刚刚收到一封信,告诉我说,一个资本"是一个重要的法律通知所附有关仲裁的"我要"经过整个预告充分认识其意义"我帐户.

This isn't the easiest reading by the way.这不是最容易阅读的方式. It's a legal notice, written in legal language at the college graduate level.这是一个法律公告,法律语言写在大学毕业的水平. Quite different than the 6th-grade level credit offers they send me trying to get me to use my credit lines.迥异于6级信用级别为他们送我想我用我的信贷限额.

Here's an example from the arbitration letter: "The arbitration of any Claim must proceed on an individual basis, even if the Claim has been asserted in a court as a class action, private attorney general action or other representative of collective action."这里的一个例子,从仲裁信:"任何索赔仲裁必须以个人身份,即使在法庭上声称已经断言作为阶级行动律政司行动或其他私人代表集体行动."

Oh yeah, makes perfect sense to me.哦噢,我考虑周全.

Here's an example of the writing that's meant for me to easily understand (from a credit offer): "One of the attached Purchase Checks is already made payable to you. Consider using the other check to purchase something you've always wanted. It's that easy!"这里的一个例子,写的很容易明白我的意思(从信用提供):"其中所附的检查已经购买了付给你.考虑使用其他一些检查,你一直想要购买.它的那么容易!"

Gee, I can understand that no problem.张基,我可以理解,没有问题. Why the difference in writing style?为什么不同的写作风格? Could it be that in one case it's meant for me to be confused and in the other they want me to spend money on my credit lines?难道是一个案件的意思,我感到疑惑,我又想花钱我国信贷额度? Could it be that both cases are written to work in Capital One's advantage?难道是这两种情况的书面工作是首都的优势? We both know the answers to those questions.我们都知道这些问题的答案.

Here's the bottom line on this arbitration letter: if you do not reject the Arbitration Provision then it becomes part of your account.这里的底线就这个仲裁信:如果你不排斥仲裁条款那就属于你帐户. It's a "negative offer" similar to the music clubs that automatically send you the "CD of the Month" unless you tell them not to send it.它的"负报价"类似的音乐俱乐部,自动送你"裁"一个月,除非你告诉他们不派.

So what's the Arbitration Provision?那么的仲裁条款? It means that if you have a dispute that's listed in what they consider to be a dispute, the matter is taken to an impartial person, or group, to be resolved.这意味着如果你有纠纷的简称他们认为是争执,此事被带往一个公正的人,或小组,予以解决. Of course, you can choose your arbitrator--from their list.当然,你可以选择你的仲裁人--从其名单.

It means that if you allow this provision to become part of your agreement you will not have the right to take your claim to court or participate in a class action lawsuit.这意味着,如果你让这项规定成为属于你,你也不会同意你有权利要求法院或参加一项集体诉讼官司. And it may cost MORE to go to arbitration, probably because your attorney's fee could be covered for many claims, like say a class action lawsuit.而更多的成本可能去仲裁你可能因为律师费可以涵盖许多债,像讲阶级诉讼.

You may ask why it's important retain these rights?你可以问为什么重要保留这些权利?

First of all, I don't want to give up any rights unnecessarily, but more importantly is that although we are only going to recover pennies in a class action lawsuit, it's still in our best interest to be a part of these cases.首先,我不想放弃任何不必要的权利,但更重要的是,虽然我们只是去追讨便士一类诉讼,但这仍然是我们的最佳利益,这些案件的一部分. Sure, the lawyers get all the money, but these lawsuits are one of the best defenses to keep the banks in check.可以肯定,得到律师的金钱,但这些官司都是数一数二防银行随时查核. It reminds them that they need to obey the law or they'll pay!它提醒他们必须守法,否则就要付出!

Here is a list of some of what they'll consider a "claim" (dispute you have with them or they have with you): Transactions or attempted transactions on your account.这里是一个名单,他们也会考虑一些"声称"(纠纷与他们或他们有你有你):对你的交易或试图交易帐户.
Any billing or collection matters.帐单或收取任何事情.
Any fees, interest, or their calculation.任何费用、利息或其计算方法.
Any products, services, or benefits programs in connection with your account (any insurance, rebates, rewards, etc.).任何产品、服务、福利方案结合您帐户(任何保险、退税、奖励等).
Any posting of transactions (including payments and credit) to your account.张贴任何交易(包括付款和信贷)贵帐户.

I called their contact number in the letter to ask questions but only connected to their recording system that delivers answers based on a phone menu.我叫他们在信联络电话发问但只跟他们不负众望答案录音系统基于电话菜单. In others, words, I couldn't reach a human--no surprise there.有些话,我无法达成人类--不足为奇.

I would urge you to STOP the Arbitration Provision from becoming part of your credit card agreement!我希望你不要成为仲裁条款的协议属于你的信用卡! I don't see it as being in our favor at all!我不认为这是我们主张在所有! If you have a Capital One account and accidentally threw out that letter, listen to the recording at 1-888-578-5462 to learn how to reject the provision.如果你有一个资本帐户,意外地抛出信听录音时1-888-578-5462学习如何拒绝提供.

Here's the general rule: When businesses spend money to send you an offer it's usually in their best interest and probably not yours.这里的一般规则:当企业花钱送你要约的最佳利益,他们通常不会给你. There are exceptions; however; I always approach all offers with a level of skepticism.有例外;然而;我总是有办法与各层次疑惧.

I have received term changes from other credit card banks which, if rejected, mean that the account is closed.我收到来自其他名词变化的银行信用卡,如果拒绝,意味着帐户已关闭. The only consequence of rejecting the Arbitration Provision, which I saw in the letter, is that it doesn't become part of your account terms.唯一的后果驳回仲裁条款,我看见在信是不成了你们帐上.

Let's look at this from Capital One's point of view.让我们看看这个从资本的观点. They're lending money to many people who are going to stiff them in bankruptcy court.他们中不少人是借钱给他们去生硬破产法庭. I can understand why they need to protect themselves, however, they must treat us "DebtSmart" customers with respect.我能理解为什么要保护自己,但是,他们必须把我们"debtsmart"尊重顾客. We are their best clients, and we need to stick together to show all the banks who's really in control--who's paying their salaries!我们是最好的客户,我们要团结所有的银行证明谁真正控制--谁支付薪水!

Don't give up any of your rights!你不放弃任何权利!

To reject the Arbitration Provision you must follow the detailed directions for completing the "Arbitration Rejection Coupon" that accompanies the notification letter.拒绝仲裁条款详细指示你就得跟着完成"拒收仲裁礼券"伴随通知书.

Although I feel like they are trying to pull a fast one here I still like Capital One and recommend their credit card because the interest rates are generally lower than other credit cards.虽然我觉得自己好像是想出卖我还是喜欢这里的资本之一,因为推荐信用卡利率普遍低于其他信用卡. In their defense, on this Arbitration Policy change issue at least they indicated all the salient information in bold print on the envelope and in the letter.其防卫这一政策变化对仲裁的所有问题,但至少可以说明信息黑体字突出的信封、信.

By the way, the deadline for reject the Arbitration Provision is 1/31/02由地否定仲裁条款的期限是2002年1月31日

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Debt Negotiation债务谈判
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Question问题

I need to know if this will really work.我要知道,如果这样是否可行. It makes me very nervous in not paying my bills so they can be negotiated.这使我很紧张,所以他们在票据拒付我可以谈. I talked to DEBTCO and I got very excited that I could be out of debt in 3 years but when I got the papers (contract) I felt a little uneasy.我和我谈过debtco得非常兴奋,我可以在3年内摆脱债务但当我得到的文件(合同)我感觉有点不自在. Should I be uneasy?难道我会放心? Should I think more about consolidation?我应该想想巩固? Please help me make the right choice.请帮助我作出正确的抉择. I really need help with my debt.我真的需要我帮助的债务. Thank you.谢谢. --Jackie--济

Answer答案

Jackie,济、

Thanks for writing!写作感谢!

I do not know all the details for DEBTCO however, I'm certainly familiar with negotiating for payoff terms with credit card banks.我不知道所有的细节debtco但是我当然熟悉洽商与信用卡支付银行.

It's been my experience that credit card banks will negotiate settlements with customers who are having trouble.这是我的经验,信用卡银行与客户协商定居点正在吃麻烦. And "having trouble" does include not being able to make their payments.而"麻烦"是否包括未能做出付款.

My impression is that you're a good money manager and can find a way to pay your bills by using your credit options.我的印象是,你可以找到一个好的经理和金钱的方式来支付你用你的信用票据期权. You don't want to be late because you know that would really hurt your credit history.你不想迟到,因为你知道你真的伤害信用历史. Worst of all, paying late may increase the cost of your outstanding balances if banks penalize you by raising your rates--not to mention all the late fees and other penalties.最坏的情况,逾期缴纳的费用可能增加你银行余额惩罚你如果你提高利率--更不用说所有已故的费用及其他处罚.

My guess is that they (DEBTCO) want you to stop paying so you'll fall into the category of being in trouble and, therefore, it will be much easier for them to settle your accounts.我的猜测是,他们(debtco)要你做,你就会停止支付属于被麻烦,因此,将大大方便他们结贵帐户. Even if they can settle your accounts for less, which is probably the case, the settlement will be reported in your credit history and will certainly not look pretty to future lenders.即使你只占定居,这也许是这样,定居点将会在您的信用报告,将历史与未来绝对不是漂亮放款.

Okay, so I've written a lot of words so far but really haven't reached a conclusion.没关系,我写了很多话,但真的至今没有定论. This is because there's always a trade off.这是因为都有过贸易. You can do what DEBTCO says and probably (not definitely) have them settle your accounts for less thus saving you money.你能做什么debtco说,他们可能已经解决(不肯定)你只占节省你的钱.

BUT you risk the consequences of not paying your bills on time which can be further-reaching than the penalties on the accounts you want to settle.危险的后果,但你不能按时支付你们法案可以进一步深入比惩罚你想要解决户口. Lately, many banks have changed their policies to include clauses that give them the right to raise your rates if you're late paying other creditors!近来许多银行已经改变其政策,包括条款权交给他们,如果你把你的税率缴纳逾期其他债权人!

Here's an example of that from my Citibank card: "If you default under any Citibank Card Agreement because you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank, we may increase the ANNUAL PERCENTAGE RATE (including any promotional rate) on all balances to a default rate of up to 24.99%."这里的一个例子,从我花旗银行牌:"如果你错失任何协议花旗卡付款,因为你不能让我们当债权人或任何其他原因,你超过你的信贷额度,或者你可以不付款给我们,你们纯阳银行我们可能每年增加的百分比率(包括任何推广率)余额为所有坏帐率高达24.99%."

What to do?怎么办?

I never want to tell people what they should do.我想告诉人们从来如何是好. Ultimately you should base your decision on what you have learned.你最终决定要根据你您所知. Speak with people that you trust to help you make our decision.与人说话,你要帮你的信任,使我们的决定.

However, I can tell you what I would do if I were in your position.不过,我可以告诉你,我会这样做如果我是你的位置.

I would call each bank that you want to settle with and ask to speak with their "settlement department."我想请你们每一行,并要求同定居发言与其"定居处" Tell them that you're going to be having trouble paying your bill and that you may even be considering bankruptcy (which you may have to sometime), but you want to find out your options for paying off the account in full if they reduce how much you need to pay to "settle" the account.告诉他们,你一定会产生麻烦你付帐单,甚至可以考虑破产(你可能要一段时间),但是你要找出你选择全额清偿账户如果你需要付出多大减少"收拾"户口. For example, if you owe $5,000, tell them that you can pay it off in full for $2,500.举例来说,如果你欠5000元,告诉他们,你能够付得起过足2,500元.

They may say that you must pay it off in ful,l or they may offer other payment plans or even reduce the interest rate to zero.他们会说,你必须支付它全长起飞,他们可以提供左旋或其它付款计划,甚至降低到零利率. They will need to be convinced that you really need help otherwise they won't consider settling the account for less than the outstanding balance.他们必须能相信你真的需要帮助,否则他们不会考虑解决的帐户余额不足.

Just make it clear to them that you'll be talking to a bankruptcy attorney to explore that option.只是让他们清楚,就会跟破产检察探索,选择. Tell the bank that if they can offer you something reasonable you'll work with the bank, or else you'll be forced to consider the bankruptcy option.银行告诉你一件事,如果他能提出合理的包包与银行否则就会被迫考虑破产方案.

What I'm suggesting is that you try to settle the accounts yourself first.我要提出的是,你们自己先尝试算帐. You may not be able to get better payoff numbers than DEBTCO but it's possible that you can.你可能无法得到更好的收益比数debtco但你可以播出. Also, you may be able to avoid the problem of not paying your accounts on time.同时,你能不能避免的问题,您帐户按时发放.

I'd be happy to look at your contract with DEBTCO and give you my opinion on what they're promising.我乐意看你们合同debtco给你我认为他们许诺什么. You can send it to me by email or fax to (609) 660-1412.你可以把它给我的电子邮件或传真(609)660-1412.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards, Scott问候,斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Many Questions...Many Answers答:很多很多问题
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

I want to thank everyone who watched my interview CN8 in New Jersey, Pennsylvania, and Delaware on January 3rd, 4th, 7th, and 11th!我要感谢每一位看过我的访谈cn8新泽西、宾州、德拉瓦州一月三日4,7,和11! The show is "Real Life" hosted by Mary Amoroso and it airs at 6:00 PM daily.晚会"真人"玛丽主办amoroso它每天下午六时在架子.

After each show I received many great questions and many of these viewers allowed me to share their questions with everyone.每次表演我接到许多观众大问题,其中有不少让我和大家分享他们的提问. I received questions about mortgages, debt counselors, consolidation, credit histories, bankruptcy, medical bills, credit cards (of course), and many other topics.我接到有关抵押债务辅导员、巩固、信用历史、破产、医药费、信用卡(当然)和许多其他议题. Below are the some of those questions and answers.以下是其中一些问题和答案.

Question:问题:
I have approximately $20k in credit card debt, the bulk of this is from one credit card @ 22% rate.我有大约42年的信用卡债务,其中大部分是来自信用卡@22%税率. I am not a homeowner, so I am considering the services of one of the non profit debt counseling companies, i.e. AmeriDebt, Cambridge Credit Counseling.我不是房主,所以我正在考虑一项服务的非盈利性咨询公司债,即ameridebt,剑桥信用辅导. I have been paying the minimum payments on my credit cards each month, but I need to be paying more.我一直对我付出的最低金额每月信用卡,但须缴交更多. So far my credit report shows nothing abnormal.迄今为止我国信用报告表明什么异常. What will happen to my credit report/history if I use one of these credit counseling services?我会怎么样信用报告/史如果用其中信用咨询服务?
--Dan--丹

Answer:答:
Dan,丹

Thanks for writing!写作感谢!

It's hard to tell exactly what's going to happen to your credit history if you use their services.这很难说究竟会怎样你如果你使用其服务的信用历史. I would try to resolve the situation with each creditor one at a time.我会尽力解决境内各债权人一步一个脚印.

You can read about the experiences of one of my readers, with credit counselors, at:你可以读到我的一位读者经验,信用辅导员2878:
http://www.debtsmart.com/pages/article_contest_counsel.htmlhttp://www.debtsmart.com/pages/article_contest_counsel.html

I would also look into getting the as much of that debt to a lower rate card--make the banks compete for your business!我也看看那越来越多的债务率较低卡--使你的银行业务的竞争! You can probably get better rates from other banks because you seem to have a good credit history.你可以从其他银行利率可能变得更好,因为你好像有一个好的信用历史. Read my article about getting better credit at:看过这篇文章,约渐入佳境信用:
http://www.debtsmart.com/pages/article_getting_credit.htmlhttp://www.debtsmart.com/pages/article_getting_credit.html

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

The following signals may indicate that you have taken on too much debt:下列信号可能表明你占用过多的债务:

-You are not sure how much you owe in total-你不知道你欠了多少共

-You have thought about filing for Bankruptcy-你有想过备案申请破产

-You only make the minimum payments on you credit cards-你只能让你的信用卡最低支付

-You are near or at the limits of your credit cards祐接近或达到极限你信用卡

-You need to use your credits for every day purchases-你必须使用你天天购学分

Fill out the form on the right for a free, no obligation Debt Counseling session to help assess whether you have too much debt.在正确填写申请表格免费无责任债务届辅导协助评估是否有太多债务.

Scott, you have too many credit cards!斯科特,你有太多的信用卡!
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Scott,史葛
I read your article in which you state that you have 80 or so credit cards.我看了你的文章,你说你有80多张信用卡. I'm not sure why this is advantageous.不晓得为什么这是有好处. I have cancelled all but one card which I pay in full each month and by no means see my "options" (to get into debt, I guess) as being restricted.我已全部取消,但我一卡,每月支付全额决不见我的"选择"(进入债务我猜想)为限.

For instance, I did need to carry a balance for 3 months to pay for an engagement ring at the beginning of this year.比如我本来要带一个平衡付出了3个月的接触,在今年初环. All I did was charge it to my everyday card, which has a lousy rate but gives me perks, get a new card with a low rate so I paid almost no interest for those three months, then closed that card when it was paid.我只是把它给我每天收取卡,拥有率不怎么样,但给我恩惠,找到新卡率这么低,我几乎没有付出利息为三个月然后关闭该卡时支付. This is actually better than calling the banks for the best rate because the cards with the perks almost always have the lousy rates, so you're better off putting it onto one of those cards, and then transferring it to a lower rate card, then you get the perks.这实际上是要求比银行利率为最佳,因为卡与恩惠几乎始终不怎么率所以你把它推向一个较好的卡,然后转移到一个低税率卡,那么你就得到恩惠.

The problem with having multiple cards that go unused is that potential creditors will count available credit against you when you apply for a mortgage or a car.有问题,无法使用多卡将是潜在债权人提供信用票反对,当你申请按揭或汽车.

Also, the more open accounts you have, the greater the chance of being defrauded.另外,你有更多开户,被骗的机会更大. Having only one card is by no means restrictive there are hundreds of companies who would give me a card after a 5-minute phone call.只有一卡绝非限制性的公司有数百人给我卡后5分钟的电话. I just don't see the point in keeping cards that aren't being used open.我不明白这一点,不适合用卡开. --Keith--基思

Answer答案
It's true.这是真的. Between my wife and myself (joint accounts) we have over 80 credit cards!我的妻子和我之间(联合帐户)我们有80多张信用卡!

WARNING, I am NOT advising anyone to go and get 80 credit cards!警告,我不告诉任何人去领信用卡80年! The more credit lines you have available, the greater the probability you'll increase your debt, obviously.你越是信贷额度可用,你的概率就越大,你就会增加债务,明显.

So why do I have so many cards?为什么有这么多卡?

There are many reasons:有很多原因:

1) When I borrow money I want to have many loan options.1)当我借钱贷款我想有很多选择. About half of my accounts are offering me low-rate transfer deals all the time!约半数账户我向我低利率全部转让交易时间! I have purchased used cars with my credit cards at 0%!我有我的信用卡购买旧车在0%! And because I have so many cards I can continue to transfer the balances and keep the rates less than 4% all the time.因为我有很多卡余额可以转移和继续保持利率低于4%的心境. I've been doing that for more than 10 years!我已经做了十多年!
2) I'm into this topic, saving money on credit cards.2)我为这个话题时,信用卡省钱. How can I write about credit cards if I don't have credit cards?我如何写,如果我没有信用卡,信用卡? How can I verify good credit card offers if I don't ever receive or use any?我如何验证信用卡提供良好如果我不接受任何使用或任何?
3) I actually enjoy trying to uncover the true costs of credit.3)享受我其实试图查明属实信用成本. I need lots-o-data!我需要大量邻数据!
4) Who would you want writing about credit...someone who hasn't had or used a credit card for 25 years or somebody who deals with credit cards all the time?4)谁会想要写::有人一直没有信用或者使用信用卡或25年有人针对信用卡吗?

I don't carry a balance on all of those credit cards.我不把所有的平衡信用卡. If I did, then this article would be about bankruptcy not being "debt smart."如果我这样做,那将会对这篇文章的破产并非"债务聪明"

If you think 80 credit cards are a lot then how many do you think the worlds record is?如果你认为1980年的信用卡有很多很多,你觉得那是世界纪录吗?

According to the Guinness Book of World Records Walter Cavanagh of Santa Clara, CA is "Mr. Plastic Fantastic" and blows me away with a total of 1,397 unique accounts!据<吉尼斯世界纪录的沃尔特Cavanagh合圣克拉拉,钙是"盖塑料神奇"、打击我取消户口共1397独特! I couldn't even image juggling that many credit cards.我连形象不可开交,许多信用卡.

Next, your strategy for using a card that gives you perks, at 0% for purchases, is good.接下来,用你的策略,使你恩惠卡28780%采购,是好的. You used the perk card then transferred the balance to a low rate card.你用振作卡余额转卡率为低. When you were done you closed all the accounts.当你做你关闭所有帐户. That's great!这伟大!

I personally don't close the accounts as long as the banks aren't charging me an annual fee.我个人并不密切的银行帐户,只要我不收取年费. I keep them open because they ALWAYS give me a great offer within a couple months after my balance goes to zero.我让他们给我开了很大,因为他们总是在数个月之后,我提出去余额为零. I don't want to keep applying for new accounts and closing accounts.我不想把户口申请新帐户和闭幕.

It is true that you're going to have a difficult time getting a mortgage if you have many open credit lines--even if the balances are zero. That's because the bank doesn't want you to have the potential to get into credit card trouble since it could affect their mortgage profits.

How many cards are too many?

When you apply for a mortgage the bank may ask you to close some credit card accounts before they grant you a mortgage. When I purchased my home I had 24 credit card accounts and I got the mortgage with no problem and no questions asked. Each bank has it's own lending policies.

As far as having a greater chance of becoming a victim of fraud, I doubt the number of cards is going to make you a greater target. In the last email newsletter my friend, Robert Gamble, told his story of identity theft where someone was trying to get new credit lines in his name.

Actually, when you think about it, someone would have a difficult time getting new credit in my name. If they tried they'd probably get rejected because I have so many accounts right now. If I only had 2 accounts open then it would be much easier for someone to defraud me with identity theft. Ironic isn't it?

And since I don't carry all those credit cards with me, I only carry 2 in my wallet, I don't have to worry about losing the actual cards. Also, I keep a list of all the items in my wallet just in case I do ever lose it. Plus I have every account and every phone number in a database so I can contact each bank if there ever was a problem.

You said that you don't see the point to having that many credit cards. The point is a personal point, Scott's choice, for Scott's reasons. It works for me and may not work for everyone. I attribute getting out of debt to having all those credit cards. I learned how to beat the system by being immersed in it and developing good "Credit Card and Debt Management."

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