Welcome to the Ocean State Bridge Club!

Welcome to the Ocean State Bridge Club website.  We are a member of the Rhode Island Bridge Association, unit 145, district 25, of the American Contract Bridge League.  We believe that duplicate bridge is the best card game in the world.

Join us at noon on Mondays, including most Monday holidays.  Sharpen your mind, make new friends, and enjoy our hospitality.  If you do not have a partner, please call ahead to 508.636.3138 and plan to arrive early to discuss partnership agreements and to fill out a convention card.

Brookdale Sakonnet Bay, 1215 Main Road, Tiverton, Rhode Island 02878, is a senior living community located immediately off Route 24 just five miles south of Fall River, Massachusetts. The facility is handicap accessible at both the front and rear entrances.  Snacks, including coffee and tea, are provided by Brookdale Sakonnet Bay.  Feel free to bring a lunch.

Parking is encouraged at the rear of the building via Williamson Street and Shannon Avenue. Parking at the rear provides the shortest path to the bridge room.  Park on the street or in the driveway on the left side. The driveway circle must be kept open for emergency vehicles. Enter the building by the door next to the small greenhouse protrusion. The game is immediately inside, first door to the left.

If you elect to park in front of the building, in consideration of the residents, please park only to the left of the entrance.  The game is on the lower level, down one floor via elevator or stairs.  Exiting the elevator, proceed all the way down the long sloping hallway to the right (do not be misled by the ‘Clare Bridge Place’ sign).  A receptionist is on duty just inside the entrance if you have any questions.

The game fee is $7 per regular session (additional fees apply for special games – STaCs, Charity Games, Unit games, etc.).  Results are available on this site by clicking the Results menu.  Results are also posted on the acbl.org site (Clubs/Club Results/Rhode Island/Tiverton/Ocean State Bridge Club).

If you have any questions or suggestions please contact us.

We wish you success in your game and hope you are not distracted by our lovely view of the Sakonnet and Mount Hope Bay.

How To Collect Business Debts Correctly

Getting paid is the only way that your business can stay afloat,but collecting business debt can be harder than you might think. This means knowing how to collect business debts is a vital skill to ensure success. The problem is that many people go about this in the wrong way. If you do not know how to collect the money you are owed the right way,you could alienate your customers and really hurt your business.

Invoice Normally

The start of the debt collection process will be the normal invoice you send to your customer. The invoice should have data about the payment period which is often 30 days. This should be agreed before you do any work with a customer,your the payment terms needing to be included on the invoice.

You will not be able to get payment of the debt if you have not provided a good invoice. The invoice should have information about the payment terms,but it should also have a detailed breakdown of what was provided. This can be very useful in the long run.

Chase The Payment

If you have not been paid on time,you need to start chasing the payment. The way that you do this will depend on how you operate your business. Some people chase payment via email while others will call the customer. Regardless of the method used,you need to be polite when you remind them about the payment.

You should never start with an abrasive approach. This will just make the customer less likely to pay,because you have been unnecessarily aggressive to them. The emails and calls should also be kept short and spaced correctly.

Sending The Final Notice

If you have not been paid for a prolonged period of time,you will eventually have to send a final notice. This is the last piece of communication before you take legal action. The notice highlights that the customer has until a set deadline to pay before you start pursuing legal action to claim the money owed.

In many cases,a final notice will be enough to get payment. However,if you are still not being paid and there has been no real reason for this,you will need to take legal action. It is vital to note that before this stage,you should place any further work for the client on hold and not provide them with further work or services.

Taking Legal Action

There are two options when it comes to legal action and the one you choose is based on the amount owed. The first option is to go through the small claims court. This option allows you to mediate with the customer and reach an answer that you are both happy with. The resolution will normally be the client paying the debt along with interest and fees such as court costs.

The other option is to work with a debt collection company. This can take place after the small claims court as well if the customer is not keeping to the legal decision. The company will work as a liaison and will help enforce the court decision.

There are a few steps that you can take to collect your business debt. Chasing the debt politely is the first step and you should only send a final notice after a prolonged period of time. Legal action is the last step to take and could lead to insolvency proceedings.

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Top Tips For Managing Your Assets

There are lots of people in the world who don’t manage their money properly. You need to have a good money management plan even when you are in your 20’s. This so you can relax during your later. Here are some useful tips for managing your wealth you should know about.

Create A Budget

You need a plan if you want to start managing your wealth. It will help you gain clarity and transparency with your financial status. Then you can start paying off your debts and save enough money for the future. Of course,to create a good budget,you need to understand your income and expenses so you can manage your money properly.

Understand Your Expenses

Many people don’t have any idea of what they spend each month. Start by keeping track of all your expenses for one month by looking at receipts and bills then adding it all together. Now you will have an idea of how to manage your expenses as you move forward.

Understand Your Income

Although most of us have an idea of how much money they make each month,they can get confused when they have multiple incomes. In these cases write them all down and add them together. Either way,you have to compare this sum to your list of outgoings. If you are spending too much,you need to start cutting down immediately.

Group Your Debts

Many people are in debt and they can need a lot of help recovering from the situation. One way forward is to start by getting your debt under control (and getting rid of it completely in the end) and that means getting them all in one loan. Whether they are student loans,credit card debts or personal loans,you have to learn how to consolidate your debts and get the lowest interest rate possible. You will be able to find debt consolidation options in the market that help you put all your debts together rather than paying them individually.

Remove Unnecessary Expenses

If you want to manage your wealth,the first thing you need to do is to stop any unnecessary outgoings. For instance,rather than buying that cup of coffee or tea every morning,you can have your breakfast at home. If you have paid for a gym membership and yet never go,you need to slash that too. Basically,you need to learn how to manage your money by taking account of everything,only then can you start saving for the future.

Always Have An Emergency Fund

Things happen,so you have to be prepared. Once you have it,make sure you don’ t touch or take any money out of the emergency fund but leave it in place so it can earn some interest. You should only tap into this emergency fund when you have a real emergency. That’s where controlling your expenses come in handy.

Save For Retirement

If you want to have enough money in your old age,you have to start saving for that retirement straight away. Make sure you save at least 10% to 15% of your income for retirement. That way,you don’t have to work longer than you want to and you will always have some spare money in case of problems. If possible,don’t touch your retirement money until you have actually retired.

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How To Find An Emergency Plumber Near Me

No one can completely prepare for all the inconveniences that can occur during homeownership. We expect the electricity to work,our appliances to work,water to flow from the tap,and that same water to drain shortly after. When our plumbing system fails to work,it can quickly lead to disasters that are expensive and time consuming to fix. But,regardless of how hard we try to keep things in working order,sooner or later things will go wrong. Here are three ways to find an “emergency plumber near me.”

1. Prepare with a list or directory

When you own a home,live in a home,or rent out a home,you have to be prepared for any issues that may pop up. It is beneficial to plan ahead by creating a list of services that may be required for all different types of maintenance or repairs. Creating a list for electrical services,heating ventilation and cooling services,appliances,and especially plumbing services,will allow you to quickly contact and set up an appointment once an unforeseen incident occurs. For ease of use you could organize the list by service,by name,or even by other factors such as pricing and locality.

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2. Use local resources

Just about every city has their own newspaper or local magazine that gets put out weekly,biweekly,or monthly. A weekly newspaper is a great way to stay up to date on any new services that may be available to you locally. Not only will you be supporting a local company,but you should even be able to get some feedback from neighbors and friends. With local companies,you can ensure that a job will be well done and that a strong reputation is at stake. Also,if there do happen to be any issues,you can head back and speak with a manager in person to have your issue taken care of.

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3. Use technology

Currently,there are plenty of online resources to help you find the services you need. Many websites have popped up in recent years for the sole purpose of connecting local and national business with the exact type of customer who may need and require their services. Not only do these websites act as a directory to different parts of the country,they also contain helpful information in the form of reviews and word of mouth testimonials. Many smart phone apps can also search for this same information as well. The information you need is right at your finger tips.

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Use these three tips the next time you are in need of a dire repair service. Be prepared and you will be ready for anything.

Water Heater Repair Services

Your water heater is among the most essential elements of your house’s plumbing system. One easy way to make sure that it is giving you the performance that you desire is to check its settings. Before you commence replacing water heater,you must make sure that you have all of the vital tools like hacksaw,screwdrivers and other standard tools. No matter whether you need a conventional water heater or a tankless one,the very best plumbers in San Jose will have the ability to assist you with all your water heater issues,quickly and easily.

South Florida Plumbing

Regardless of whether you have to repair a water heater,install one,or only require regular maintenance,we are the professionals that you have to call. If you pick a water heater that’s too small,your loved ones may not have sufficient hot water. As a consequence you’ll discover the ideal water heater that fulfills your family’s hot water requirements.

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Sure,you cannot hope to fix your water heater all on your own,nor should you ever attempt to achieve that. An additional way to comprehend what type of water heater is ideal for you is to discover how much water you will need. Even though a top quality water heater will endure for years,when it fails,everyone in your house knows it instantly.

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What prevents the battler from evolving?

By John Sage Melbourne

Your self-worth is the action of worth and respect you place on your self-image. Your self-worth addresses concerns such as,”how do you really feel regarding yourself?” and “do you like who you are?” Self-confidence issues are directly associated with how congruently you believe you be worthy of to be affluent in life. Do you believe you deserve a number of million bucks? If not,how do you expect to command your aware and subconscious minds to achieve it?

It is not unusual to locate numerous combatants who take a great deal of satisfaction in their initiatives to keep battling away in life. Their self-image is among a combatant and they are damn pleased with it!

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Is it any type of marvel they continue to be as combatants throughout their lives?

A Novice Financier,on the other hand,identifies that they deserve greater than their existing financial standing. They also believe they deserve much more in life than what they are presently obtaining. This is why they are participated in learning the methods of spending and riches production. They believe they deserve a far better life which they deserve the initiative it will require to achieve it.

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The 3 in 1 Battler

By John Sage Melbourne

While the preceding summaries depict each combatant as a certain personality type,in truth it is quite usual for somebody to display all three characteristics in varying percentages at numerous times. As an example,somebody might be oblivious of wide range production approaches and then might end up being exposed to some misinformation regarding some aspect of spending or wide range production. Being financially oblivious,they might then not have the ability to recognize that the guidance or idea being presented to them is in fact ‘poor guidance’. Because of this poor guidance,they end up being misguided regarding numerous facets of cash,spending and wide range production.

This misguidance creates them to end up being shut minded regarding these financial facets. This shut mindedness serves to maintain them financially oblivious and also less able to recognize excellent from poor guidance. In addition,this shut mindedness develops into a self-fulfilling revelation as they only seek sustaining proof for their misguided ideas while negating and removing any proof on the contrary.

Why the Right Guidance is Needed

As you can see,without the appropriate guidance to get the appropriate expertise,establish the right abilities,and cultivate the appropriate attitude for being a successful creator of wide range,it is very easy for somebody to end up being conditioned to cope life as a financial combatant. The secret is for Degree No Battlers to establish themselves past their conditioning and ignorance. This can be attained by being exposed to the appropriate details in properly with the appropriate good example. The very first steps for Degree No Battlers are recognition and motivation. They need to become aware of their present limiting patterns and then to connect to a solid desire for a change. Then and only then can they step up to the next stage of their advancement,which is to launch a understanding contour by becoming a Newbie Financier.

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As somebody that is currently on the ‘capitalist advancement course’ on your own,it is very important that you are able to determine the ‘capitalist psychology’ of the people you constantly relate to. You do not intend to end up being affected by battlers. They will decrease your advancement as a experienced capitalist and consequently your accumulation of wide range. Battlers typically have a tendency to relate to other battlers thereby reinforcing each other’s limiting ideas and mindsets. If you are not cautious you can quickly obtain captured in the web of their idea systems and spiral down in your capacity to develop wide range in your life.

To avoid being captured up in the unsupported claims of the combatant,it is likewise valuable to be able to determine the core dynamics behind their psychology that avoid them from advancing to a degree where they are financially experienced. By comprehending these mental dynamics,you will have the ability to separate WHAT they are claiming from WHY they are claiming it. By doing so,you will end up being unsusceptible to their impact and instead you’ll have the ability to see what’s truly behind their comments,mindsets and practices.

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The Most Common Reasons Why People Choose Online Debt Consolidation

Ever since the advent of internet technology,products and services have become more easily accessible. Before,you would need to go out,drive (or commute) to a store,and wait in a long line to get what you want. Today,you can buy products and services at the comfort of your own living room in front of your computer just as long as you have an internet connection.

Not only that,you can also get your hands on vital information regarding the products and services you are planning to buy. It is not any different with financing matters such as debt consolidation. Debt consolidation,which refers to the process of combining multiple loans into a single one with a lower monthly payment,lower interest rate,and longer repayment period,is a route that many people deep with debts take.

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Online debt/credit consolidation may be a new concept for some,but it is basically the same except that you can get this one online. If you are like most people,you would also probably like to get to know the top reasons to go for this route,so here they are.

Reason # 1 – Online debt consolidation saves time

Modern people live hectic lifestyles. Any way they can find to save time would be very much welcome. If you are going to opt for an online debt/credit consolidation,you would be saving a lot of your time because you can find all the necessary information that would guide you through the whole process. In fact,credit consolidation help is free from some companies. The whole process of consolidating your debts could be accomplished through online transactions. You can easily research for companies that have good reputation,and do background checks on them so you can make the right choice.

Reason # 2 – Online debt consolidation is convenient

The process of consolidation can be long and tedious. But it would be a lot more convenient if you do it online. Aside from being able to save time,you would also be able to save energy. As you know,business hours usually run from 9 to 5 everyday excluding Sundays. This leaves you little time to get things done quickly. Going for the online route would not subject you to such limitations. In addition to that,most online debt/credit consolidation websites offer different kinds of tools such as loan calculators and comparison charts that are very simple to use. These tools would help ensure that you would be able to end up with the best deal.

Reduce Your Debt by 50%

Reason # 3 – Online debt consolidation process is simpler

If you browse online,you would be happy to find out that many online debt/credit consolidation lenders have simplified the quotation and application processes. Don’t make the mistake of thinking that you have to be an internet-expert to be able to accomplish online consolidation. The truth is,most of the time,this entails less complicated processes than going through the traditional route.

Don't Let Your Debt Consume You

Reason # 4 – Different debt consolidation loans are available

Online,you will find various kind s of debt/credit consolidation loans,which include but are not limited to bad credit debt consolidation loan,student debt consolidation loan,and unsecured debt consolidation loan. Yes,debt consolidation loans for people with bad credit are also widely available online contrary to people’s misconception that this option is only for people with good credit rating.

Just like with most products and services,online consolidation is the faster,simpler,and more convenient way of going about this process. However,it is clever to remember that the online market is plagued with pitfalls that you have to study and research about so you can have a safe and smooth consolidation of debt application.

Tips On How To

Everyone that is a vehicle driver ought to be interested in finding out means to drive more secure and also to prevent getting in a vehicle accident. There is no reason that drivers should not be cautious and also knowledgeable about the possibilities for threat that feature getting on the road. There are many easy means to prevent a vehicle accident when you get on the roadway.

Among the most important steps to absorb staying clear of a vehicle accident is to pay attention to driving! I see and also read about far a lot of drivers that are trying to do several points at once. For example,I saw a girl driving yesturday that was also in the center of placing her makeup on. There is no way that she was completely knowledgeable about what she was doing or of the possible threat she was to every person else on the road. Individuals can get distracted from driving by a range of points,so they require to re-focus on driving and also on staying clear of an accident.

Making use of mobile phone is one of the largest problems for drivers and also one of the largest reasons for cars and truck accidents in the past couple of years. Some states are catching onto this and also are outlawing drivers from speaking on mobile phone while they drive. If you absolutely require to talk while you drive,after that you must acquire a headset to make sure that your hands will be totally free to drive and also assist you to prevent an accident on the road.

Trying to continue a deep or purposeful discussion with other individuals in your vehicle can also be a significant reason for interruption and also for this reason of a vehicle accident. If you are driving with a full cars and truck of travelers,advise them that your job and also responsibility is to drive securely and also to prevent a vehicle accident for all that get on the road. Ask that they avoid beginning severe discussions with you that will require your complete interest.

Music and also various other radio programs can also allow distractions to drivers and also lead them right into a vehicle accident. Be intentional about the important things you choose to listen to when you drive. Make certain that you do not choose anything that will be too much of a diversion to you. Instead,choose soft songs or programs that will permit you to completely concentrate on the road and also on not getting in a vehicle accident.

When you are driving,your highest possible responsibility is to do simply that: drive. Stay clear of a vehicle accident at all expenses and also conserve your telephone call and also deep discussions for when you are off the road.

Car Crash Compensation?

Compensation for a vehicle accident insurance claim is fairly detailed! However by merely finding out some standard facts,you will eliminate some of the significant challenges that might be available in your means.car accident injury belmont nc

A car accident compensation insurance claim is even for drivers that are the utmost mindful drivers worldwide as there are no warranties that a vehicle accident can happen.

In fact,you could have some kind of accident sooner or later. Possibly the fault of someone else‘s stupidness.

For that reason you must recognize just how to respond in such a situation,just how to prevent any kind of problems and also just how to make an effective compensation insurance claim.personal injury india hook sc

I Had A Vehicle Mishap What Must I Do?

Right after an accident you must contend the very least done the complying with exchanged details with all events included: name,address,contact number,policy number and also insurance company‘s name,cars and truck and also license plate number.

If any of the drivers isn’t the proprietor of the cars and truck he was driving,you still require that individual’s name,as he was driving at the time.

When possible,you must document the names,address and also numbers of any kind of witnesses that saw what took place,take any kind of statements preferably.

As soon as possible document all the scenarios,consisting of the details worrying various other cars and trucks: design,damages caused and also received. If you have a cam,take some images.

If you do not,it might work to attract a schematic picture of the accident scene,consisting of road joints,any kind of traffic control and also position of all cars participating in the accident.

If for any kind of reasons you can’t quit at the accident scene,you must report it to your insurance company within 1 day.

Clinical Assistance

Despite the fact that you might feel typical right after the accident,it doesn’t imply that you really did not suffer any kind of injuries. Signs and symptoms of cars and truck accident injuries might show up even two days later. Look for clinical aid and also maintain a daily record of your injuries,the drug and also treatment of it. List all your costs,maintain all costs and also preferably all receipts too.

What Can I Include In An Automobile Mishap Case?

Cars and truck accident compensation might cover many losses. To start with,you can make an injury insurance claim and also get compensation for any kind of injuries to you or any kind of travelers,as well as for the expenses of any kind of clinical treatment. Pain and also suffering any kind of psychological damages might be compensated,as well.

Furthermore,you can assert expenses for damages to your cars and truck and also home,consisting of diminution of your vehicle’s value and also insurance coverage unwanted. Any kind of loss of your revenue triggered by the accident and also even minimized job potential customers in the future might be the subject of a vehicle accident insurance claim.

Use of a substitute cars and truck or courtesy cars and truck while yours is either being repaired or reviewed,can also be compensated. As you can see a vehicle accident compensation insurance claim is a very broad subject and also it consists of not just an accident injury insurance claim,but much more details important both in your private and also functioning life.

A Lot Of Information?

All these details appear made complex when you check out them. But there is no reason that you must take care of whatever on your own. When you struggle with a vehicle injury it’s better for you to leave all the treatments to a professional injury professional and also let them take care of the documentation.

You on the various other hand simply take care of your wellness,leave the various other worries in the hands of a high quality accident lawyer.

If you were hurt in a vehicle accident,you’re hurt and also tired,so it’s very easy to forget about some important issues. That is why you must speak to an accident lawyer competent and also skilled and also let them do all the required job to grant you good compensation. Many thanks to ‘no win no fee’ you do not run the risk of any kind of cash and also if you lose your insurance claim,the lawyer pays all the costs and also costs.

What To Remember When Considering Cloud Service Providers

In this day and age,a good proportion of companies rely on cloud services. Whilst some might consider all these providers as equal,the truth is that some providers are far better than others. There are quite a few things you’ll want to keep in mind when you’re considering your selection.

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Find A Services Provider That Has Been In Around For A Few Years

You’ll want to make sure you work with a stable services provider that is well-established. This is vital as you will be relying on your service provider for a number of things. This means you will want to choose professionals that have the expertise and knowledge that you need.

When you look at the firms you could choose,you should therefore check out the history of all of these companies. Take a look at what their old customers have to say about them. Remember the target is to use a provider that has a good track record.

Make Sure The Provider Offers The Flexibility You Need

Your needs aren’t likely to remain static over time. That’s why you’re going to need a service provider that can provide a given level of flexibility. You should have the option of 24/7 support if you need it,and you should be able to alter your entire package if you need to as well.

Bear in mind if a service provider is too rigid,you might wind up clashing heads with them some point in the future. On the other hand if you work with a firm that is willing and able to be flexible,you’ll have a much better experience in the long run even if it is a little more expensive.

Work With A Service Provider That Can Grow With You

Your business might not be massive now,but that doesn’t mean that your firm isn’t going to get bigger over the years As you get bigger,you’ll need to make sure that your service provider is going to be able to meet your changing needs. Focus on finding a company that will be able to grow along with you.

You also can’t assume that you’re going to have the same needs forever. What your business needs right now may not be what it needs a year in the future. If you find a provider that can also supply you with different types of services,you will ensure that your needs will always be met.

Find An Option That Fits Your Budget

As ever you will need to make sure you can afford the cost of your cloud services. If you use a company that charges rates you cannot afford,you could well wind up needing to switch to another provider that’s more affordable in the future.

Also,if you stick to an option that’s affordable,you’ll end up spending far less in total. Cloud services can be costly,but if you look at all of your choices,you should be able to find a provider that you can afford with no significant issues. Plus you’ll be able to stay within budget while getting everything that you need.

Make sure you remember all of these things when you’re considering cloud services. You don’t want to overlook anything vital so make you consider your choices. Then you’ll be able to make an informed decision,one that you’ll be satisfied with on a long-term basis.

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Debt Consolidation: Why Bankruptcy May Be a Better Alternative

In my years of experience practicing bankruptcy,I have seen clients file bankruptcy cases for many different reasons. But,for me,the most frustrating trend is the very high number of clients who seek bankruptcy advice after working with debt consolidation companies. Almost every week I consult with a family who has spent years paying thousands of dollars in a debt consolidation plan without ever freeing themselves from debt. After all the time and effort put into the debt consolidation plan,they end up hiring my office to file their bankruptcy case anyway.Don't Let Your Debt Consume You

Seeing so many clients struggle in these programs made me realize that most people do not have a clear picture of how debt consolidation works. Most people believe that bankruptcy will ultimately destroy them financially,and go to great lengths to make sure that they avoid bankruptcy at all costs. Unfortunately,debt consolidation can harm your credit score just as much as bankruptcy in the long run – without getting rid of all your debt.

This article is written to explain how debt consolidation works,and why many clients would be better off filing for bankruptcy instead.

How Debt Consolidation Works

When you sign up to do debt consolidation you must immediately stop making payments on all of your unsecured debts (ie. Credit cards). The debt consolidation company will then have you make a monthly payment into a trust account. The idea behind debt consolidation is that you build a pool of money in that bank account. Once the pool gets big enough,the debt consolidation company starts to negotiate and pay off of your debts with those funds.

What Debt Consolidation Companies Don’t Tell You

What debt consolidation companies often don’t tell you is that each month you don’t pay your credit cards,your credit score takes a hit. If it takes two years to save enough before the pool gets big enough to start negotiating your bills,then your credit score has been consistently declining over that two year period of time. Also,debt consolidation companies don’t have the power to stop your unpaid bills from filing a collection lawsuit against you. If you get sued for non-payment while you are trying to save enough to start negotiation,your credit takes an additional hit from the lawsuit and a judgment could be entered against you,dropping your score further. Once you have been sued and the collector has a judgment against you,that collector can start garnishing your wages and levying your bank accounts. Debt consolidation does not have the power to stop garnishments or levies either.

Consolidate and Eliminate Debt Now!

Debt Consolidation Costs a Lot Over Time

Most of debt consolidation companies get paid by taking a percentage of the monthly payment that you put into the trust account. Taking 10% of the monthly deposit you put into the trust account is not uncommon as a debt consolidation fee. Practically speaking,the longer it takes you to save up a pool of money,the more debt consolidation companies get paid. Debt consolidation companies also cannot guarantee how long it will take to negotiate your debt. If,after two years of pooling money,the credit card companies won’t settle for the amount that you have pooled,then it’s back to depositing more money into the trust account to try and pool a greater balance,all while the continuing to not make payments on your unsecured debts and seeing your credit score decline.

Who Debt Consolidation Works Well For

This is not to say that debt consolidation is always a bad plan. For people who have access to a pool of money to start out (such as an inheritance or gift from family) debt consolidation makes sense because you should be able to settle your debts quickly without missing many months of credit card payments. If you don’t have to pool money over a long period of time,then you can also save a lot in consolidation fees. When you start out with a pool of money to place,the debt consolidation company can begin negotiating your debts immediately so that you have less time you missed payments on your credit. Consolidation may also be appropriate for people who have a lot of extra income each month,so saving a pool of money can be accomplished easily. The problem is that most people who go through debt consolidation do not fit under this category.

Why Bankruptcy May Be a Better Alternative

Most clients who end up hiring my office after attempting a debt settlement program have said that looking back,bankruptcy would have cost them a lot less,been completed faster,and would have gotten rid of all their debt promptly. They often regret not consulting with a bankruptcy attorney early on to understand how bankruptcy may be able to assist them. In speaking to bankruptcy clients who attempted debt settlement in the past,there are some common reasons why bankruptcy was a better alternative for them in the long-run.

You’ll Know Exactly When You’ll Be Debt Free

When you hire a bankruptcy attorney to file your case,a reputable attorney will be able to tell you exactly how long it will take to complete your bankruptcy case. Under bankruptcy rules,the debt you owe will be considered wiped out as of the date your bankruptcy case is filed. This means that as your case moves through the court system,you are not taking monthly hits to your credit while you are waiting for the case to be approved. Your credit score will take the one-time drop due to the bankruptcy filing,not a lengthy downward spiral with no definite end in sight. As soon as your case is over,you can immediately begin the process of rebuilding your credit.

Bankruptcy Stops Lawsuits,Bank Account Levies,Garnishments and Foreclosures

The filing of a bankruptcy case will immediately stop collections lawsuits against you. It will also stop bank account levies,garnishments being taken from your wages,and foreclosures. The ability to stop these legal actions against you comes directly from a US Bankruptcy Court Order giving you automatic relief from your creditors. If a creditor continues to pursue collections against you,then you can petition the Bankruptcy Court to assist you in getting relief from the harassment.

Don't Let Your Debt Consume You

You Have a Court Order Protecting You From Creditors in the Future

One bankruptcy case will take care of all of the debt you have. You do not need to approach every individual creditor to separately negotiate your debts. In the event that you have trouble with a creditor in the future,you have a court Order that formally discharges your debt. If a creditor refuses to acknowledge that their debt was wiped out in bankruptcy,you can petition the United States Bankruptcy Court to assist you in enforcing your court Order.

You’ll Know the Cost Up Front

All attorneys are required to provide their clients with written fee quotes at the time you hire the attorney to take your case. This means that you will have a written agreement with regard to the amount of fees that you will have to pay. Knowing exactly how much your case will cost means that you can begin saving to pay your attorney’s fees immediately. You can also conduct a cost-benefit analysis to determine if the bankruptcy attorney fees are worth the amount of the debt you are getting rid of.

You Can Confirm that Your Attorney is Reputable

Bankruptcy attorneys are regulated by the State Bar,meaning that they are held to ethical standards,reasonable fees,and have been licensed certifying competency in their field. When you hire a bankruptcy attorney,if they do not deliver on their promises,you can report them to the State Bar for misconduct. Also,even before hiring a bankruptcy attorney,you can view their profile on their State Bar website to confirm that they have no history of complaints against them from past clients. There is no similar agency governing debt consolidation companies.