http://www.isnare.com/?s=author&a=Robert+Zangrilli Finances Robert Zangrilli Fri, 05 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=115049&ca=Finances A relatively new approach to debt resolution, debt settlement or debt negotiation is the process of negotiating with creditors to lower the amount that you owe, typically by as much as 50 to 60 percent. A settlement offer is only attractive to a creditor when a consumer is behind on their payments.... Finances Robert Zangrilli Thu, 04 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=115048&ca=Finances The primary purpose of good credit is to save you money by helping you procure lower interest rates that otherwise wouldn’t be available to you. Interestingly, some consumers fail to recognize this fact when considering the appropriate option for debt resolution. The main reason for this is a lot of... Finances Robert Zangrilli Thu, 04 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=115045&ca=Finances (The following is not legal advice. For legal counsel regarding your situation, please consult an attorney licensed in your state). The most widely held misconception about bankruptcy is that it’s the debtor’s version of the “get out of jail free” card in Monopoly. While most people know that bankr... Finances Robert Zangrilli Thu, 04 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=115033&ca=Finances (Note: this is not to be considered legal advice, and it is dealing with the hypothetical “average” elderly and/or disabled person. Each case is unique and to determine the legal ramifications of your individual scenario you should consult an attorney.) Debt settlement, also known as debt negotiatio... Finances Robert Zangrilli Thu, 04 Jan 2007 00:00:00 +0800 http://www.isnare.com/?aid=115032&ca=Finances A relatively new industry, some consumers are mystified by the dynamics of debt negotiation. The purpose of this article is to break down the different factors that determine the effectiveness of a debt settlement program. 1. The importance of program length. In any debtor-credit scenario, a credito...