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According to Fitch Ratings, mortgage arrears in Australia had declined midway through the year as interest rates on home loans especially fixed rate home loans began to come down.

Figures released to the market yesterday show that mortgage arrears were down to 1.42% of all home loans in September, after being recorded in May this year at 1.77%.

Fitch Ratings believe that greater stability in the interest rates is mostly responsible for this decline.

While overall home loan arrears and default levels improved in all states, localities still doing it tough included Sydneys south-western suburbs, the NSW Central Coast and the Gold Coast in Queensland.

The south-west of Western Australia was likewise still among the regions with higher delinquencies, and tourism destinations in coastal locations were increasingly in arrears.

| Tags: Arrears, Mortgage Arrears
Posted January 3, 2012 by Amelie Hampton under Bankruptcy Articles

The number of consumer bankruptcy filings have fallen in the United States in 2011 compared to 2010.

According to the American Bankruptcy Institute, the number of consumer bankruptcy has fallen 17 percent from 130, 329 to 108,517. This number is also down 10 percent from where they were at the start of the year.

The report has been based on data calculated by the National Research Center. From August to September, the number of consumer bankruptcies fell by 4 percent. Although these numbers have decreased there are still concerns with the U.S unemployment rate.

| Tags: Bankruptcy Filings, Consumer Bankruptcy, Consumer Bankruptcy Filings, Filings
Posted January 1, 2012 by Brayden Laura under Credit Report

When it comes to credit card debts it seems that even the rich and famous are not safe.

American Express is in the midst of suing Rapper Nelly real name Cornell Iral Haynes Jr., for upwards of $20,000 in unpaid credit card debts.

American Express filed a lawsuit back in October seeking payment of a $20,403.64 credit card bill and an additional $3,000 in attorneys fees.

The credit card issuer claims that the star failed to pay his credit card bills. The court hearing is currently scheduled for January 9, 2012 and it looks like Nelly will be starting the new year with a huge bill to face.

This is not the first time that American Express has set their sights on the debts of celebrities. Last month the credit card issuer hit Hollywood actor Wesley Snipes with a lawsuit claiming that the Blade star owed almost $30,000 in credit card debts.

Read more…

| Tags: Card Debts, Credit Card, Credit Card Debts, Debts
Posted December 31, 2011 by Imogen Lay under Credit Report Tips

People like Marco Carbajo observed this frightening trend and decided to do something about it. He and his partners founded UCan2 Opportunity, Inc., a network marketing company offering financial solution services. Our mission, says Carbajo is to provide comprehensive financial solution programs and services to individuals and families. We want to bring them a level of financial security they thought theyd never see againwithout declaring bankruptcy.

UCan2 aims to help families and individuals achieve financial independence with their honesty, integrity, and dignity intact. They fulfill this mission through three different methods: education, financial solutions, and home-based business opportunity.

The founders of UCan2 are some of the leading network marketing experts and highly experienced professionals on credit restoration, credit scores, debt management, debt negotiations, debt settlement, tax relief, mortgages, and student loans.

UCan2 represents a family of financial solutions companies that help their clients resolve credit, debt, and money problems through innovative financial solutions.

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| Tags: Company, Company Offers
Posted December 14, 2011 by Imogen Lay under Credit Report Tips

It is important to monitor your credit during no credit auto loans

Your credit repair

When youre financing with a problem credit auto loan its always a good idea to keep track of your credit repair efforts.

Quite often weve seen how this can help as weve been involved in bad credit car sales for twenty years here at Auto Credit Express. We even created a web site so applicants can learn about issues such as buy and pay here loans and bankruptcy, as well as todays topic, credit monitoring during horrible credit auto loans.

Watching your credit

Other than making your payments on time, during a bad credit auto loan there is something else you can do to make sure your credit scores improve.

All three credit bureaus plus sites like offer services that will monitor your credit. The cost to watch a single bureau typically starts at around $6.95 a month while youll be charged $12.95 or more to monitor all three.

Optional services can include score monitoring, reports with scores, score watch, score power and credit watch.

Read more…

| Tags: Auto Loans, Credit Auto, Credit Auto Loans, Loans
Posted December 12, 2011 by Amelie Hampton under Bankruptcy Articles

There is one area of an individual’s finances that really peeves bankruptcy lawyers, and that’s their taxation returns. You can only file for a Chapter 7 petition for bankruptcy if your tax returns are all up to date. It’s not unusual for a bankruptcy attorney to send a client to the local tax office as part of their bankruptcy preparation, and you’d be surprised at how many people haven’t filed that return.

Why do you need to file your tax return? A number of reasons, the primary one being the IRS wants their share of your bankruptcy estate before unsecured creditors get their hands on it. The bankruptcy court also requires this, along with last year’s return, to determine your financial state (how much money you have been earning) in comparison to your current situation. Creditors are also entitled to request copies of those tax returns before responding to your petition for bankruptcy.

Once you have filed your taxation return, the IRS will send a copy of the return to the bankruptcy trustee once an assessment has been made. This will a

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| Tags: Bankruptcy, Tax Returns
Posted December 8, 2011 by Amelie Hampton under Bankruptcy Articles

US Representative Heath Shuler had earlier this month introduced the Medical Debt Responsibility Act of 2011. As per the requirements of the bill, credit bureaus such as Experian, Equifax, and TransUnion had to remove settled or paid medical collection item up to $2,500 for every collection, out of the credit reports.

When unpaid medical bills are turned over to collection agencies, then they may seem like a medical collection item, while being reported to credit reporting agencies. This may be reflected in the credit report for the next seven years and this may in turn impact the customer’s credit score negatively. The impact on credit scores might vary as it would depend on the medical collection information that is reported. It would also depend on the composition of the customer’s whole credit profile.

Consumers have to make certain tough decisions regarding payment of healthcare-related expenses. So,

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| Tags: Debt, Medical Debt
Posted December 6, 2011 by Brayden Laura under Credit Report

Given that Ive gone through the Dave Ramsey Counselor Training course, it wouldn’t come as a surprise if I told you that the majority of clients that I’ve coached are Christians.

To go beyond that, I’ve even been fortunate enough to coach quite a few Pastors as well. And what tends to amaze me from time-to-time is the generosity that some Christians and our Pastors display.

There is nothing greater than giving and helping people in need.

We know that we were made in God’s image, and God was the greatest giver of all – giving his one and only son as a propitiation for our sins. Therefore, we are also givers by nature.

Sure, there are times when people don’t give, but it doesn’t mean they aren’t givers. When we manage money with a worldly view, and when budgets are tight, our human desire to be in control takes over and giving typically doesn’t happen. That is one of th

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| Posted December 5, 2011 by Imogen Lay under Credit Report Tips

ADHD stands for attention deficit hyperactivity disorder and it is a chronic condition that can have a great impact on a child if a child does not get help, or if the right ADHD treatment is not prescribed.

Some of the most common symptoms of ADHD are impulsivity, inappropriate behavior, and hyperactivity. These children have difficulty staying on task and completing projects, which if not identified and treated early can be a huge barrier throughout the school years and eventually on the job. Before there was a diagnosis, these children were just seen as having lots of energy, or were just wild and always getting into trouble. Now that ADHD treatments are available, parents have the option of getting their child help so that they can be more productive in school and have fewer disruptions at home.

Not all parents and professionals agree on what type of ADHD treatment is the best, or if it should be used at all. Read more…

| Tags: Adhd, Adhd Treatments
Posted November 30, 2011 by Brayden Laura under Credit Report