Sample Free Stuff

None of us are perfect when it comes down to bad habits, but some are worse than others; not understanding your debt or finances is one of them. Kicking these bad habits into touch means that you can look towards becoming debt free:

1: Too many credit cards – Did you know that there are more credit cards than people in the UK? According to APACs, at the end of 2007 there were 73m credit and charge cards compared with around 60 million people.

Having too many credit cards means that you have the potential to get into too much debt. Although introductory offers many tempt you in, it is important that you take control of your credit card debt. Start by paying off the highest APR cards means that you can look forward to becoming debt free in a much quicker time.

2: Spending more than you earn – Spending more than you earn by living beyond your means is a financial habit which you need to nip in the bud right now. This is the quickest way to get into debt, especially if you regularly have to relay on your credit card the week before pay day.

3: Missing credit card payments – Always make sure that you meet your credit card, store card or catalogue payments as they fall due. Missing these payments not only means that you will have to pay late fees but any missed payments will also show on your credit file, which could make it more difficult to get accepted for credit in the future.

4: Losing touch of your finances – Being unaware of how much cash you have in the bank to how much debt you have outstanding means that you have lost touch with your finances, which will make it harder to become debt free. Checking your credit report is a good way to see your own credit history.

5: Not seeking debt help when you need it – Sadly debt problems will not sort themselves out, and if you are missing credit card, store card or even mortgage payments then you need to seek help as soon as possible.

Debt Free may be able to offer you one of our debt solutions which could help you to control your debts by reducing the amount that you need to pay to your unsecured creditors. Getting help about your debts mean that, if you qualify, you could look forward to becoming debt free in 60 months with an IVA.



By: Debt Free

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This is just an example of hardship letter to perform Short Sale. Sellers should explain their own situation in their own words.

RE: John Doe

Property: 123 Main Street

Anytown, FL 12345

Phone: 888-555-1212

Email: johndoe@mail.com

Loan #: 123456789

To Whom It May Concern:

It is with great regret that I am in the position of writing this letter. Through years of success in my career, I never expected the market to do what it has done over the past year, and unfortunately, I find myself in a position with no way out. My situation has become deeply misfortunate through a combination of the failing health of family members, the loss of 70% of my income, and the total decline of the existing real estate market.

Health issues with family members have created a situation where my wife is unable to work. The company where I worked for 6 years has closed. And, in finding a new job in the industry that I am in, I find it difficult to continue on the same level that I was accustomed to in years past.

I spent the last year going through all of my savings in am attempt to remain afloat, and finally reached the point where the bills could no longer be sustained on my current level of income. I have made every attempt to sell the property that I own, and have been unsuccessful at selling at a price that will cover the existing debt on the property.

Through my painful education that I have received over the last year, I have come to terms with the fact that I may have to file personal bankruptcy in the very near future. It is my desire not to take this step, but there may be no way to avoid it given the extent of my financial problems.

I would like to thank you in advance for your consideration in this short sale request. I hope that it is in the best interest of all parties involved if we can avoid a foreclosure through a short sale.

Sincerely,

John Doe.



By: Igor Mosyak

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I don’t know one single human being that doesn’t enjoy free money or free products! If you’re one of the billions of people that does enjoy this then you’re in luck because several sites online have ways for YOU the consumer to receive free items. Usually there are several ways of going about this. You can either join a site that gives prizes away, or you can try survey sites, which will usually give you a cpa offer to fill out.

With the sites that give prizes away there is usually some sort of a stipulation such as referring people, selling products and receiving a prize, etc. As for the cpa offers usually what happens is you fill out another offer for something else, say debt consolidation. They might charge you $1 for the fee of the debt consolidation form, and then you get to choose your “prize” for filling out the offer.

These are nice because the fee is usually really low, and if it’s a membership of some sort you can cancel before the payment goes through and you still receive your prize.

There are several sites you can do either option with. For the survey type sites you can check out cashcrate as well as dailycashrewardz. These are two good sites that actually pay when you do offers. So, even if you don’t want the prize you can still earn money. But, why wouldn’t you want the prize!?! You can get tons of products like Wii, Apple iPhone, MacBook, Super Nintendo, etc. For the CPA offers you can check out the following sites:

Wholesome Rewards - featured product is the Apple iPhone

Consumer Incentive Rewards - featured product is the Apple iPhone

Brandarama - featured product is the Apple MacBook 13″ white 2.0 GHZ laptop

Thinnest Laptop Ever - featured product is the Pink MacBook Air

Consumer Incentive Rewards - featured product is the iPod touch

Wholesome Rewards - featured product is the iPod touch

Honestly the cpa offers are probably the easiest way to receive one of the items listed above or any of Apple’s other products as well. And, compared to Apples retail price for some of these items, you won’t have to pay hundreds or thousands of dollars, instead you might spend a few bucks with some free shipping and handling and that’s it.

Nothing too hardcore about these offers. I did one a few months ago where I got a membership with Netflix (which I was planning on doing anyway) and I received an Apple MacBook. With the Netflix membership, I got the cheapest one and although I could have canceled it I didn’t because I had been wanting that for a while so it actually benefited me two fold! I didn’t actually use the MacBook so I sold it on eBay and made a few hundred bucks. Shh don’t tell anyone though!

Either way you decide to go, survey or cpa this could be a great way for you to get your hand on a really nice brand new bite of the Apple, all puns intended. Check it out, you won’t be disappointed!



By: Kristi Ambrose

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