While home sales are dipping due to the final days of the first time home buyer tax credit, congress is being urged by President Obama to extend the very successful stimulus for a few more months. If you haven’t purchased your first home yet, you might not be out of luck.
With talks in the works to extend the tax credit, congress is also discussing whether or not to change the credit to include all home buyers, not just first time home buyers. Instead of the $75,000 income limit for the first time buyer credit, congress is discussing setting a $125,000 limit, which would allow for many consumers to take advantage of this stimulus.
The new deadline being discussed is April 30, 2010. We'll keep you updated!
Don't forget to check out http://ping.fm/MvAn0 if you're thinking about using your tax credit to get out of debt.
Thursday, October 29, 2009
Thursday, October 22, 2009
Before Using Your Emergency Credit Card....
According to CreditCards.com, we are on a fast track to filing 1.4 million bankruptcies this year. We’re already at over 1.07 million, and the number is climbing very fast. Wrap this number around your head; 6,000 bankruptcies are being filled every month nationwide! With the Credit Card Act changing the game of the credit industry, and the unemployment rate at around 10% nationally, and health insurance companies taking advantage of everyone, it really shouldn’t be a surprise that bankruptcy numbers are through the roof.
Sure, consumers are learning how to budget more efficiently. We’re also learning how to keep food on the table and make more than the minimum on the credit card during these rough economic times, but it’s not enough to keep medical expenses down and avoid the inevitable illness and accidents. That’s why lobbyists, legislators, and politicians, as well as hard-working consumers, are taking up the charge and asking for a change in the bankruptcy system.
People file for bankruptcy for many different reasons. The most common would be divorce, credit card debt, and medical bills. Recent numbers have shown that of the millions of bankruptcies filed in 2007, 62% of them were due to medical related issues. Of that number, over 70% of those consumers already had medical insurance, but it wasn’t enough to keep them above water.
Let’s stop and think about this for a moment. If we are on track to rack up 1.4 million bankruptcies this year alone, and 62% of them will be medically related, that’s almost 870,000 people who will be so devastated by medical debt that they will have to file for bankruptcy. If that doesn’t put things into perspective, I don’t know what else will.
Here’s where it gets interesting. If you have to get a transplant, and your insurance is only willing to cover $10,000 (which I overheard was in fact a reality for a local Arizona couple who had insurance) how much is coming out of your pocket? In reality, how much is coming out of your credit balance as well, and then your home, and then anything else that you can get money from to simply stay alive?
Most patients who are dealing with a medical emergency cannot work, thus they can’t pay their bills. In these situations, credit card debt piles up so quickly, and the creditors start harassing so aggressively, that any thought of staying relaxed and in a healthy state of mind is nearly impossible. When you’re stressing about your mortgage and credit card debt, and considering bankruptcy as an option, how are you going to get healthy? Tack onto that your medical expenses that your health insurance didn’t cover and you’ve got some serious problems.
Debt settlement is an alternative to bankrputcy that should be seriously considered. If you’ve dipped into your “emergency only” credit card funds, as well as your home and cars, it’s time to consider other options. Bankruptcy is a tough road to take, and until the system changes it will devastate your financial future.
Currently, bankruptcy is bankruptcy, and whether you are filing due to a divorce, credit card debt, foreclosure, or medical expenses, it’s all the same. The bankruptcy code “does not distinguish between debtors driven into bankruptcy by medical bills and those who become insolvent through poor planning or reckless spending.” (DelawareOnline.com) That is why a subcommittee was held this week to discuss the proposed changes. Hopefully a decision will be made soon.
For more information on alternatives to bankruptcy, visit http://www.bestdebtnegotiator.com.
Thursday, October 15, 2009
Fraudulent Debt Companies Taking Advantage of Disadvantaged
Once again, there are thousands of fraudulent debt settlement companies out there. We hear about them every single day, and how consumers paid hundreds and thousands of dollars in monthly fees while the debt settlement companies would literally sit on the money and not work to get them out of debt. But, and I say it again, not all debt settlement companies are like that.
ACCORD, the American Coalition of Companies Organized to Reduce Debt, is an organization that, much like USOBA, United States Organizations for Bankruptcy Alternatives, has set extremely strict guidelines in regards to debt settlement company membership. Any company that wishes to enroll and become credited by ACCORD must adhere to certain policies that truly make it impossible for the company to be fraudulent in any way.
It doesn’t have to be complicated, or shady. It’s simple, much like The Simple Plan that ACCORD endorses that has been taking the nation by storm. The Simple Plan is ACCORD’s debt settlement program that involves no upfront fees and forces the debt negotiators to work diligently for an affordable debt settlement for their clients. The fees at the end of the 12 to 36 month program is based solely on the amount each client is saved. A percentage of the saved amount is then charged, which entices the debt negotiators to do their absolute best to get the customer the best possible settlement, because everyone wins in the end.
According to the recent article that I read, over 15 million people are out of work, over 5 million of them have been out of work for 6 months or more, and those who are working are averaging on 33 hours a week. Everyone is struggling, and the fraudulent debt settlement and collection agencies are making more money than ever, preying on the middle class. While everyone is barely keeping food on the table, credit card companies, debt collection agencies, and debt settlement companies are sitting high and mighty. But not every debt settlement company should be included in that category.
The reliable debt settlement companies are laying off employees just like everyone else, as they refuse to take advantage of the weak by raising prices and limiting services. ACCORD certified companies are simply changing the way they do business to benefit the consumer, even if it means taking the high road and losing employees.
When researching your debt settlement options, don’t be veered by the bloggers who want to keep you from alternative debt relief options that come from reliable companies, and that might actually help you out in the long run.
For reliable, ACCORD certified debt settlement help, visit http://ping.fm/bfD5s.
ACCORD, the American Coalition of Companies Organized to Reduce Debt, is an organization that, much like USOBA, United States Organizations for Bankruptcy Alternatives, has set extremely strict guidelines in regards to debt settlement company membership. Any company that wishes to enroll and become credited by ACCORD must adhere to certain policies that truly make it impossible for the company to be fraudulent in any way.
Debt settlement and negotiation companies that join ACCORD agree to operate by these three critical principles:
1.) We believe debt negotiation and settlement must become a solid, credible industry that provides measurable and serious debt relief for consumers facing the overwhelming power of credit card companies. ACCORD member companies agree to operate fairly, transparently and with the goal of delivering some critically-needed balance to credit card company / card holder relationship.
2.) We only get paid when we successfully settle or negotiation our clients outstanding credit card debt. That means absolutely no up-front fees, no interim fees and no payment of any kind unless and until we deliver real savings to the client on their credit card balances. No success, no fee!
3.) We believe in and practice full disclosure to clients and regulators. Before any prospective client signs any agreement, ACCORD companies disclose fully, completely and in the simplest language possible the exact terms of our performance-based agreement and we supply regulators with all the information necessary to evaluate our compliance with applicable laws and regulations.
It doesn’t have to be complicated, or shady. It’s simple, much like The Simple Plan that ACCORD endorses that has been taking the nation by storm. The Simple Plan is ACCORD’s debt settlement program that involves no upfront fees and forces the debt negotiators to work diligently for an affordable debt settlement for their clients. The fees at the end of the 12 to 36 month program is based solely on the amount each client is saved. A percentage of the saved amount is then charged, which entices the debt negotiators to do their absolute best to get the customer the best possible settlement, because everyone wins in the end.
According to the recent article that I read, over 15 million people are out of work, over 5 million of them have been out of work for 6 months or more, and those who are working are averaging on 33 hours a week. Everyone is struggling, and the fraudulent debt settlement and collection agencies are making more money than ever, preying on the middle class. While everyone is barely keeping food on the table, credit card companies, debt collection agencies, and debt settlement companies are sitting high and mighty. But not every debt settlement company should be included in that category.
The reliable debt settlement companies are laying off employees just like everyone else, as they refuse to take advantage of the weak by raising prices and limiting services. ACCORD certified companies are simply changing the way they do business to benefit the consumer, even if it means taking the high road and losing employees.
When researching your debt settlement options, don’t be veered by the bloggers who want to keep you from alternative debt relief options that come from reliable companies, and that might actually help you out in the long run.
For reliable, ACCORD certified debt settlement help, visit http://ping.fm/bfD5s.
Thursday, October 8, 2009
Fraudulent Debt Negotiation Co. in Chicago Get Punished
The debt settlement industry has always been scrutinized for not upholding promises made to consumers who are already struggling. They have always been harassed by the Federal Trade Commission for taking advantage of those in financial strain. And for good reason. Many of these companies are extremely shady and want nothing more than to take your money and run. It seems to be common theme among debt settlement companies.
For this reason, state and federal government agencies are taking back control of the debt settlement industry and placing consumer rights at the fore-front. Illinois Attorney General Lisa Madigan is currently taking charge of the effort in Chicago. According to a Chicago Tribune article, Attorney General Madigan has seen an increase in the amount of complaints that her office receives regarding fraudulent debt settlement companies.
In this case, Debt Solutions of America is under fire for taking their clients’ money and not fulfilling promises to reduce credit card debt by 50 percent! One of the first rules of the debt settlement industry is not to make promises that you cannot keep. To be completely transparent and honest with your client is the best thing that you can do, even if it means not being able to tell your client everything they want to hear.
According to the article, Debt Solutions basically promised to get clients out of debt. With this promise, clients were required to stop payment on any credit cards, and redirect payment to Debt Solutions on a monthly basis. While they were paying monthly debt settlement fees, Debt Solutions did nothing to settle their debt. Many clients were eventually sued by their creditors.
"These charges are outrageous and baseless," the firm said, adding that it has a letter from the state of Illinois "confirming that we are a legitimate business" operating within the law. (Chicago Tribune)
According to ACCORD membership guidelines, a reliable source when it comes to setting debt settlement industry standards, Debt Solutions biggest mistake was its failure to be completely transparent. By telling clients to stop paying on their credit card debt, and not informing them of the possible consequences to their credit score and wallet, they were shuffling around the system. By not informing customers of an estimated time frame, and by not working to meet that time frame, they were changing the debt settlement game to meet their needs.
A respectable debt settlement company will be a member of ACCORD or USOBA. They also will have a great track record and numerous client achievements. In most cases, they will not charge upfront fees. Since the FTC is beginning to really crack down on the industry, if your debt settlement company is still charging upfront fees it will probably have to change soon anyways as the FTC proposes legislation to stop that practice.
In Illinois, Attorney General Madigan isn’t the only one cracking down. Illinois State Treasurer Alexi Giannoulias has proposed new legislation of his own to help keep consumers safe from fraudulent debt settlement companies. According to Giannoulias, many debt settlement companies will tell clients to stop paying their credit cards and instead make that deposit monthly toward the debt settlement. In many of those cases, the debt settlement company promises a settlement worth pennies on the dollar, and yet does not deliver, while the client plunges further and further into credit card debt.
The proposed state legislation would require debt settlement companies to be licensed in the state and the fees they charge would be capped at $50 upfront and $30 per month. Additional fees could only be based on how much consumer the consumer actually saved. Other steps would also require the companies to provide monthly statements and would also bar them from the credit score damaging process of advising people to stop making their regular payments. (Credit.com)
ACCORD members who are a part of The Simple Plan charge absolutely no upfront fees and have no hidden costs. It is a great program that ACCORD is actually working with legislators, politicians, and lobbyists to give some traction to. With The Simple Plan, the fees are based on the amount saved on the debt settlement. This is a wonderful new debt settlement program because it forces the debt negotiators to work hard for their clients’ settlement. The greater savings the debt settlement company gets the client, the more they have to gain. It’s a win-win for everyone involved, and it is completely transparent.
For more information from a respectable debt settlement company who is accredited by ACCORD and USOBA, visit http://ping.fm/3OJwb.
For this reason, state and federal government agencies are taking back control of the debt settlement industry and placing consumer rights at the fore-front. Illinois Attorney General Lisa Madigan is currently taking charge of the effort in Chicago. According to a Chicago Tribune article, Attorney General Madigan has seen an increase in the amount of complaints that her office receives regarding fraudulent debt settlement companies.
In this case, Debt Solutions of America is under fire for taking their clients’ money and not fulfilling promises to reduce credit card debt by 50 percent! One of the first rules of the debt settlement industry is not to make promises that you cannot keep. To be completely transparent and honest with your client is the best thing that you can do, even if it means not being able to tell your client everything they want to hear.
According to the article, Debt Solutions basically promised to get clients out of debt. With this promise, clients were required to stop payment on any credit cards, and redirect payment to Debt Solutions on a monthly basis. While they were paying monthly debt settlement fees, Debt Solutions did nothing to settle their debt. Many clients were eventually sued by their creditors.
"These charges are outrageous and baseless," the firm said, adding that it has a letter from the state of Illinois "confirming that we are a legitimate business" operating within the law. (Chicago Tribune)
According to ACCORD membership guidelines, a reliable source when it comes to setting debt settlement industry standards, Debt Solutions biggest mistake was its failure to be completely transparent. By telling clients to stop paying on their credit card debt, and not informing them of the possible consequences to their credit score and wallet, they were shuffling around the system. By not informing customers of an estimated time frame, and by not working to meet that time frame, they were changing the debt settlement game to meet their needs.
A respectable debt settlement company will be a member of ACCORD or USOBA. They also will have a great track record and numerous client achievements. In most cases, they will not charge upfront fees. Since the FTC is beginning to really crack down on the industry, if your debt settlement company is still charging upfront fees it will probably have to change soon anyways as the FTC proposes legislation to stop that practice.
In Illinois, Attorney General Madigan isn’t the only one cracking down. Illinois State Treasurer Alexi Giannoulias has proposed new legislation of his own to help keep consumers safe from fraudulent debt settlement companies. According to Giannoulias, many debt settlement companies will tell clients to stop paying their credit cards and instead make that deposit monthly toward the debt settlement. In many of those cases, the debt settlement company promises a settlement worth pennies on the dollar, and yet does not deliver, while the client plunges further and further into credit card debt.
The proposed state legislation would require debt settlement companies to be licensed in the state and the fees they charge would be capped at $50 upfront and $30 per month. Additional fees could only be based on how much consumer the consumer actually saved. Other steps would also require the companies to provide monthly statements and would also bar them from the credit score damaging process of advising people to stop making their regular payments. (Credit.com)
ACCORD members who are a part of The Simple Plan charge absolutely no upfront fees and have no hidden costs. It is a great program that ACCORD is actually working with legislators, politicians, and lobbyists to give some traction to. With The Simple Plan, the fees are based on the amount saved on the debt settlement. This is a wonderful new debt settlement program because it forces the debt negotiators to work hard for their clients’ settlement. The greater savings the debt settlement company gets the client, the more they have to gain. It’s a win-win for everyone involved, and it is completely transparent.
For more information from a respectable debt settlement company who is accredited by ACCORD and USOBA, visit http://ping.fm/3OJwb.
Wednesday, October 7, 2009
Consumer Credit Card Numbers Improving
Some new credit card numbers have been released from Credit Karma this month, reviewing the past few months of consumer credit debt history. Good news! We are slowly getting gout of debt!
Overall, U.S. consumers have been finding ways to dig themselves out of credit card debt, even with the ridiculous unemployment numbers and foreclosure rates. Nationally, credit card debt has decreased a whopping 4%! That is an amazing number when you consider these rough economic times that we still find ourselves in.
What is also amazing is that overall national credit scores are improving as well. Nationally, U.S. consumers have brought up there credit score by 32%, while 32% have remained the same number and 29% have decreased. Today, the average credit score is 672, which is a pretty good number considering our situations.
While all news isn’t great on the credit card front, and in yesterdays posting we spoke about how tough credit card companies are being on Arizona residents, things are definitely turning around. Louisiana is one of the states that has continued to fall below the line. The latest numbers from Louisiana show a credit debt increase of 15%, although their state average credit card balance is almost a thousand lower than the national average.
As I’ve said time and time again, perhaps this crushing economy hasn’t been all bad for us. If you’ll allow me to get on my soap-box for a minute, we all know it’s been excruciatingly tough for families to keep dinner on the table, however it has also been inspiring to see families spending time together. How many families are sitting around the game table playing Monopoly again? Or talking a walk to the park with the dogs instead of sitting in front of a movie or going out of town? I know many families who spent more time relaxing in a campsite, together and happy, rather than going to an expensive resort and never spending any time together.
Need more information on how to get out of debt? Check out http://www.thedebtsettlementprogram.com.
Overall, U.S. consumers have been finding ways to dig themselves out of credit card debt, even with the ridiculous unemployment numbers and foreclosure rates. Nationally, credit card debt has decreased a whopping 4%! That is an amazing number when you consider these rough economic times that we still find ourselves in.
What is also amazing is that overall national credit scores are improving as well. Nationally, U.S. consumers have brought up there credit score by 32%, while 32% have remained the same number and 29% have decreased. Today, the average credit score is 672, which is a pretty good number considering our situations.
While all news isn’t great on the credit card front, and in yesterdays posting we spoke about how tough credit card companies are being on Arizona residents, things are definitely turning around. Louisiana is one of the states that has continued to fall below the line. The latest numbers from Louisiana show a credit debt increase of 15%, although their state average credit card balance is almost a thousand lower than the national average.
As I’ve said time and time again, perhaps this crushing economy hasn’t been all bad for us. If you’ll allow me to get on my soap-box for a minute, we all know it’s been excruciatingly tough for families to keep dinner on the table, however it has also been inspiring to see families spending time together. How many families are sitting around the game table playing Monopoly again? Or talking a walk to the park with the dogs instead of sitting in front of a movie or going out of town? I know many families who spent more time relaxing in a campsite, together and happy, rather than going to an expensive resort and never spending any time together.
Need more information on how to get out of debt? Check out http://www.thedebtsettlementprogram.com.
Tuesday, October 6, 2009
Credit Card Debt In Arizona
While the Credit Card Act 2009 was supposed to help consumers, many in Arizona are still feeling the pinch of greedy creditors. A disturbing account of credit card activities is chronicled today in the Arizona Republic, telling the stories of many Arizona credit card holders who are not feeling any positive effects from the Credit Card Act. In fact, their situations are actually getting worse.
Hit by fallout from the recession, housing slump and rising unemployment, many institutions have scaled back lending. Last week, the American Bankers Association reported record-high delinquencies in three consumer areas: home-equity loans, equity lines of credit and credit cards.(AZ Republic)
According to the American Bankers Association, it’s Washington’s fault. When they began passing legislation to regulate the credit card industry, as well as home loan lenders, they gave the American people false hope that things in the industry would change for the better. (Really? That’s their reasoning!)
"Sometimes, expectations don't always line up with reality," said Tanya Wheeless, president and CEO of the Bankers Association.
Of the problems that Arizona residents are facing with their credit cards is the out-of-the-blue rate changes, the limit decreases, and the supposedly-fixed-rates being changed to variable rates. Credit card holders in Arizona, and around the country, are furious.
"After they get bailout money, they want more," said one Arizona resident fighting with his credit card company. "Our tax dollars are not enough for them."
But, the bankers and credit card companies continue to blame the government for the new legislation. It’s the new legislation, they say, that has made it harder for them to provide for their clients. Lenders warned Washington that the new legislation would lead to higher borrowing costs, which now seem to be setting in.
While owning a credit card and a bank account usually costs the consumer no additional fees if they make their payments on time, fees for making withdrawals from ATM’s not owned by their bank and bouncing a check are rising dramatically.
The bottom line is to keep an eye on your credit card statements every month. If you see a discrepancy, visit or call your bank. According to the Arizona Republic article, bankers are more willing to work with you if you contact them early. Instead of tossing your statements into the junk drawer to be looked at later when you have time, look at them as soon as they arrive. If there is a problem, a rate hike, or a new fee, call immediately.
Don't forget to visit http://ping.fm/0guZV for all of your credit card debt questions!
Hit by fallout from the recession, housing slump and rising unemployment, many institutions have scaled back lending. Last week, the American Bankers Association reported record-high delinquencies in three consumer areas: home-equity loans, equity lines of credit and credit cards.(AZ Republic)
According to the American Bankers Association, it’s Washington’s fault. When they began passing legislation to regulate the credit card industry, as well as home loan lenders, they gave the American people false hope that things in the industry would change for the better. (Really? That’s their reasoning!)
"Sometimes, expectations don't always line up with reality," said Tanya Wheeless, president and CEO of the Bankers Association.
Of the problems that Arizona residents are facing with their credit cards is the out-of-the-blue rate changes, the limit decreases, and the supposedly-fixed-rates being changed to variable rates. Credit card holders in Arizona, and around the country, are furious.
"After they get bailout money, they want more," said one Arizona resident fighting with his credit card company. "Our tax dollars are not enough for them."
But, the bankers and credit card companies continue to blame the government for the new legislation. It’s the new legislation, they say, that has made it harder for them to provide for their clients. Lenders warned Washington that the new legislation would lead to higher borrowing costs, which now seem to be setting in.
While owning a credit card and a bank account usually costs the consumer no additional fees if they make their payments on time, fees for making withdrawals from ATM’s not owned by their bank and bouncing a check are rising dramatically.
The bottom line is to keep an eye on your credit card statements every month. If you see a discrepancy, visit or call your bank. According to the Arizona Republic article, bankers are more willing to work with you if you contact them early. Instead of tossing your statements into the junk drawer to be looked at later when you have time, look at them as soon as they arrive. If there is a problem, a rate hike, or a new fee, call immediately.
Don't forget to visit http://ping.fm/0guZV for all of your credit card debt questions!
Thursday, October 1, 2009
Deadline Quckly Approaching For First Time Home Buyers
Time is running out to cash in on that first time home buyer tax credit. If you’re not making offers on your dream home today, you might not have the opportunity. Closing papers must be signed on November 30th in order to get that $8,000 back on your taxes. But, then again, rumors are abounding that the tax credit should be extended. Kind of like the Cash for Clunkers extension, pushing these tax incentives longer than originally anticipated kind of reminds me of Favre not retiring when he should. The Cash for Clunkers program is reportedly disapproving consumers and dealerships left and right, so why do we think the first time home buyer tax credit will be any different?
Like it or not, the discussion for extending the tax credit is continuing in the House and Senate. My suggestion, however, is if you’re seriously interested in getting a home, get one now because it’s a better time than ever to purchase a home for the first time. Home prices are still incredibly low, and that incentive is very tempting. Who doesn’t like free money?
Time is definitely running out, however. For most first time buyers, the purchase of a home from searching to closing takes longer than a mere two months. If you’re already looking, think about making an offer soon. The average close on a home takes about four weeks, which would put you right at that deadline if you found a home this month.
If you’re choosing to wait it out and save while you watch to see if congress will extend the first time homebuyer credit, there are some strong arguments in your favor. The Realtors group said in mid-September that 350,000 new buyers would not have purchased a home this year without the credit, according to Business Week. Home prices have increased 1.6% in 20 markets over the summer, prompting industry experts to credit the first time home buyer credit for pushing home sales.
While congress talks about extending the tax credit, the real-estate lobby wants to not only extend it, but to raise it from $8,000 to $15,00, which is making me think we should have waited a little longer to purchase our first home.
According to SubprimeBlogger.com, an extension of the first time home buyers tax credit could grow home sales by 20%! Many experts believe that once the economy picks up a bit, and people start getting jobs and stop losing them, this extension could greatly improve home sales numbers. While numbers have been great for the program so far, one argument is that they will only get better as the economy improves. Kind of like the chicken and the egg, huh?
If you’re thinking about jumping on this bandwagon and taking advantage of the $8,000 that is being offered now through November 30th, you better start making offers today otherwise you might be out of luck. You never can tell how long a home purchase will take, what with the inspections, offers and counter-offers, and mounds of paperwork.
If you're thinking about using that $8,000 to get out of debt, why not take that step today. Visit http://www.thedebtsettlementprogram.com for more information.
Like it or not, the discussion for extending the tax credit is continuing in the House and Senate. My suggestion, however, is if you’re seriously interested in getting a home, get one now because it’s a better time than ever to purchase a home for the first time. Home prices are still incredibly low, and that incentive is very tempting. Who doesn’t like free money?
Time is definitely running out, however. For most first time buyers, the purchase of a home from searching to closing takes longer than a mere two months. If you’re already looking, think about making an offer soon. The average close on a home takes about four weeks, which would put you right at that deadline if you found a home this month.
If you’re choosing to wait it out and save while you watch to see if congress will extend the first time homebuyer credit, there are some strong arguments in your favor. The Realtors group said in mid-September that 350,000 new buyers would not have purchased a home this year without the credit, according to Business Week. Home prices have increased 1.6% in 20 markets over the summer, prompting industry experts to credit the first time home buyer credit for pushing home sales.
While congress talks about extending the tax credit, the real-estate lobby wants to not only extend it, but to raise it from $8,000 to $15,00, which is making me think we should have waited a little longer to purchase our first home.
According to SubprimeBlogger.com, an extension of the first time home buyers tax credit could grow home sales by 20%! Many experts believe that once the economy picks up a bit, and people start getting jobs and stop losing them, this extension could greatly improve home sales numbers. While numbers have been great for the program so far, one argument is that they will only get better as the economy improves. Kind of like the chicken and the egg, huh?
If you’re thinking about jumping on this bandwagon and taking advantage of the $8,000 that is being offered now through November 30th, you better start making offers today otherwise you might be out of luck. You never can tell how long a home purchase will take, what with the inspections, offers and counter-offers, and mounds of paperwork.
If you're thinking about using that $8,000 to get out of debt, why not take that step today. Visit http://www.thedebtsettlementprogram.com for more information.
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