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    Money Help 101: Finding Solutions to Financial Emergencies
    Money Help 101: Finding Solutions to Financial Emergencies
    Money Help 101: Finding Solutions to Financial Emergencies
    Ebook85 pages1 hour

    Money Help 101: Finding Solutions to Financial Emergencies

    By Janet Hunt

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    About this ebook

    We all have financial emergencies -- some are small and some are big. Through trial and error, the author has learned some of the best methods for dealing with financial emergencies. She has put together a guide of helpful advice and resources to help the reader find solutions to financial emergencies.

    LanguageEnglish
    PublisherJanet Hunt
    Release dateSep 3, 2012
    ISBN9781476031309
    Money Help 101: Finding Solutions to Financial Emergencies
    Author

    Janet Hunt

    I have loved writing since I was a child and wrote my first poem at the age of seven. In 2010, I received my business administration degree. I am a licensed property and casualty insurance agent and have worked in the insurance industry for over 15 years. For several years, I have written on various finance and business topics for a number of online publications and deciding to turn my talents to book format. The things I enjoy most in life are a tranquil outdoor setting, enjoying the simple things in life, and spending time with my children and family.

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      Book preview

      Money Help 101 - Janet Hunt

      Acknowledgments

      You can never do what you never try; and so I found the inspiration to follow my dreams and write this book. My inspiration comes by way of my wonderful parents, other family members, boyfriend, friends too many to name; and my children, who give me a reason each day to keep on keeping on. To God, who instills within my heart to desire to always do my best. To all the above, thank you for giving me the strength and courage to always pursue my dreams.

      Money Help 101 - Finding Solutions to Financial Emergencies

      By Janet Hunt

      Smashwords Edition

      Copyright 2012 Janet Hunt

      Smashwords Edition, License Notes

      This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      Table of Contents

      Introduction

      Stay Away from the Pay-Day Loan Debt Trap

      Making it Until Your Next Pay Day

      Bank Overdrafts and Fees

      Late Bills and Working with Creditors

      Dealing with Debt Collectors

      Financial Help for Medical Emergencies

      Repossessions

      Foreclosures

      Wage Garnishments

      Dealing with Tax Debt

      Buying a Vehicle with Bad Credit

      Buying a Home with Bad Credit

      Getting Financial Living Assistance

      Getting out of Debt

      Creating a Household Budget

      Debt Counseling Services

      Debt Consolidation

      Debt Settlement

      Bankruptcy

      Helping Yourself Stay out of Debt

      Frugal Living Tips

      Helpful Resources

      Final Thoughts

      About the Author

      Introduction

      I think I am safe in saying that everyone, unless they are independently wealthy, has experienced some type of financial emergency. Financial emergencies are not all of the same magnitude – some are minor and some are major. Just the same as in a medical emergency, a broken finger is not the same as being in a major car accident. While both are emergencies, the level of urgency is much different.

      I have experienced my share of both minor and major financial emergencies. I've made some financial mistakes along the way – some of them have been big ones. Through trial and error, I have learned ways to cope with financial emergencies. I have attempted to put together a guide of helpful advice and resources to help you through each type of financial emergency. While some of these methods have worked to help me get out of bad financial situations, I do not guarantee that they will work for you. My goal is to help you think your way out of whatever money problem you are experiencing by offering possible solutions and resources to assist you. Ultimately, it is up to you to find a solution that works for you.

      ***

      Chapter 1 – Stay Away from the Payday Loan Debt Trap

      As tempting as it may be to get fast cash to help you through your financial emergency, you should avoid using payday loan companies. The only time that I would say it is okay to use the services of a payday loan company is if you are certain you will be able to pay off the entire balance when your next payday rolls around. I have been in the payday loan trap before. I have finally found my way out of it and I intend to stay out of it.

      Promises of easy and fast money are drawing people into the vicious cycle of payday loans. Payday loans are secured by borrowing money against your next paycheck or payday. These loans are short-term and charge a very high interest rate. Although you can receive the money as quickly as the next business day, these companies are typically charging consumers $15 or more for every $100 borrowed.

      Payday loan companies prey on people who are desperate for emergency cash for situations such as vehicle repairs or medical treatment. It is easy to fall into this debt trap. Consumers average eight to thirteen loans with the same company before they are able to break out of the cycle. Most payday loan companies allow you to renew a loan up to three times by paying no more than the finance charges for the loan. There here has been some legislation requiring payday loan companies to offer other payment options, such as paying a portion of the principal along with the finance charge. Even with these other payment options available, payday loans are still a risky proposition.

      Internet payday loan companies are the most notorious. You provide the company with your bank's routing number and your personal checking account number. The risk exists for fraud and security violation of your personal banking account. Many customers complain that once they have paid off the balance of a payday loan, the company continues to debit their checking account.

      Payday loan companies make it easy for you. All you need is a checking account and a job and waa-laa! you are approved! Customers are desperate for money, so they ignore the high-interest and take out a loan. Payday loan collectors are aggressive and relentless if you should default on your loan. Expect to receive

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