Entries Tagged as 'credit_counseling'

Free Financial Book by Suze and Oprah

Best selling author of personal financial management advice, Suze Orman has teamed up with Media Queen, Oprah Winfrey to bring you a free ebook download called “Suze Orman’s 2009 Action Plan”!

Suze Orman's 2009 Action Plan

Suze Orman

“Suze Orman’s 2009 Action Plan” book offers straight talking advice about various financial scenarios that may be the answer to some of your more pressing questions about your money in this financial hurricane of foreclosures, bankruptcy, loan defaults, and debt overload! Oprah Winfrey is giving away Suze’s book as a electronic download or ebook , on the Oprah.com website.

Once you click on the link above you will see two download links to Suze Orman’s 2009 Action Plan in English and one in Spanish. To download the ebook, right click on your preferred language and save to file to computer. I tried to simply click on the link, but the ebook did not open in my Firefox browser.

Once you have saved the file to your computer, you will need Adobe Acrobat Reader to open and read the ebook, get Adobe Acrobat Reader here if you do not have it already installed on your computer. When you open the ebook, you may want to reduce the size of the print by using the down button next to the size indicator, my default size is 221%. See image below.

 reduce pdf size

reduce pdf size

Hurry and do not wait to get this free book Suze Orman’s 2009 Action Plan, according to the Oprah Winfrey website, there will be a cut off of download on Thursday, January 15, 2009! Get the Suze Orman’s 2009 Action Plan Now, and jumpstart your credit and credit rebuilding for 2009!

Bankruptcy To Save Home

In the last couple of years, the bankruptcy laws have changed in congress and as recent as April 2007. There was a time that a homeowner who came upon hard times could seek protection from creditors under Federal Bankruptcy laws by filing a Chapter 13 , Chapter 7 and other options and stop foreclosure. Now, times and the laws have drastically changed. The process of filing a bankruptcy to try and save your home and reorganize your debts have taken a turn with twists and curves just to be able to consider filing!

The new Bankruptcy laws according to the Department of Justice, were enacted under the following

“The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005″, which opens a new era in the history of bankruptcy law and practice, was passed by Congress and signed into law by President Bush on April 20, 2005.

The bankruptcy changes were put into effect in October of 2005.

In a nutshell, before anyone can file a petition for bankruptcy, they must obtain credit counseling within 180 days before being able to file a bankruptcy. Once you have filed a bankruptcy, you must obtain a debt management education certificate before the bankruptcy is discharged. [Read more →]