Shifting Debt Relief Programs

Debt management is an effective way to get out of debt. However,there are unforeseen circumstances that will require you to change tactics in the midst of a program. It can be in the form of a sudden financial crisis that renders you unable to meet the current demands of the debt relief program. Or it can be due to a wrong assumption on your financial analysis. You may have realized that you cannot meet the payments and service fees associated with debt management plans.

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If you find yourself unable to keep up with your current program,you can change it. Most of the time,people shift from debt management to debt settlement. Here are some of the things that you should do when shifting plans.

First of all,you need to inform the debt counselor involved in your account. Discuss the sudden turn of events that led you to decide that you need to shift to debt settlement. Before you finalize the transfer,be open to any suggestions from the counselor. They may be able to help you negotiate with the creditor for an even lower monthly payment scheme. Creditors will definitely prefer that you pay off your balance completely instead of the reduced amount that debt settlement aims for. Not only that,it will serve you best to stick with this program since it has a less negative impact on your credit score. But if you find no solution,then they have to let you go.

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Check if they also offer debt settlement programs. There are companies who offer a variety of debt relief programs to be able to cater to a wider market. If they do,you can stick with that company as they already have your records. The shift will be a lot easier and faster.

If they cannot offer you settlement services,the counselor’s next step will be to get in touch with your creditors. They have to let your creditors know that you have terminated your program with them and have sought other options to pay off debt. Before you severe ties with the debt management company,be sure you get the updated report so you know how far you have gone with your debt payments. This is something that you can show the debt settlement company that you will transfer to.

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Shifting debt relief programs illustrate the importance of knowing your options. Do not stick to program just because you already started it. Be honest if you can no longer afford the payments required by the program you are in. Remember that there is no single debt relief formula. Not only that,there are unforeseen circumstances that can limit your finances even further. It can all change without warning. Just be cautious about your finances,practice proper management and be wise about how you spend. Make a budget and payment plan that will help you monitor and decide if your current program is still effective. If not,do not be afraid to change it.

Debt Relief: Find A Legitimate Company That Can Deliver On Its Promises

If you’re struggling to pay off your debts,any offer that promises “guaranteed” debt relief may sound very appealing. Who wouldn’t need some help with his monthly payments?

However,can a debt relief program really lower your interest rates and reduce the amount of money you owe? If so,what’s the catch? It’s smart to ask these questions before enrolling in such a program.

Debt is a problem that you’ve probably spent years creating,so don’t go looking for a quick fix! A legitimate debt relief company will never falsely promise to resolve your debt in less than a year – a monthly payment plan should be offered instead. A realistic debt relief program should be designed – just for you and your specific situation.

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According to the non-profit National Association of Consumer Bankruptcy Attorneys,only one in ten debtors participating in these programs actually ends up debt-free in the promised period of time. Find a legitimate company that can deliver on its promises! And remember that a road to being debt-free is rarely smooth,or short.

Beware of companies that claim that they can negotiate one-time settlement with all of your creditors. That will dramatically reduce your principal,they say,and your monthly payments will drop like a stone. What these companies promise is a fairy-tale: a beautiful and highly appealing,but impossible dream. It would have been great if it was true,though.

Inform yourself in advance about the fees you are expected to be paying. You shouldn’t be paying any fees until you actually get debt relief.

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To qualify for a program,your debt must exceed a certain amount,and you have to prove that you cannot make the minimum payment required. If you pay your monthly installments on time,your creditors may refuse to negotiate any debt settlement with you – why would they?

Enrolling into any debt relief program will therefore force you to default. That certainly comes with its own set of problems! Your credit rating will be damaged,probably severely.

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Obviously,if your credit is already damaged,that is one problem you don’t need to worry about. So,should you try to settle your debts this way? The decision is easier to make for those debtors who are only a step away from filing for bankruptcy. No matter how things get desperate financially,take time to find a reputable debt relief company that doesn’t over-charge or over-promise.

GetResponse for Email Marketing – Features,Pricing and Benefits

GetResponse is an email marketing and an online tool/platform for campaign management. It is similar to Aweber in some ways but has it’s own unique set of benefits.

This email marketing platform/app allows businesses and entrepreneurs to build a targeted subscriber list.

With the created mailing list,businesses are able to create and send high-impact newsletters,follow-up campaigns,and video emails. With the autoresponders features,GetResponse enables you to automate your particular emails to subscribers. Moreover,you are also able to view and analyze different statistics such as click through and open rate which is related to an email marketing campaign.

A present,the features of GetResponse have evolved considerably and for that reason,the tool is now an all-in-one marketing solution. Apart from email marketing,this marketing tool also provides some customer relationship management,landing pages,and web hosting functionality.

Pricing Plans of GetResponse
GetResponse has four main types of pricing plans.

These pricing plans are Email,Pro,Max,and Enterprise. The Email,Pro,and Max pricing plans further have several plan types to choose from based on the list size.

These are the pricing for the Email,Pro,and Max packages.
• 1,000 list size: $15/mo.(Email)/ $49(Pro)/ $165(Max)
• 2,500 list size: $25/mo.(Email)/ $49(Pro)/ $165(Max)
• 5,000 list size: $45/mo.(Email)/ $49(Pro)/ $165(Max)
• 10,000 list size: $65/mo.(Email)/ $75(Pro)/ $165(Max)
• 25,000 list size: $145/mo.(Email)/ $165(Pro)/ $255(Max)
• 50,000 list size: $250/mo.(Email)/ $280(Pro)/ $370(Max)
• 100,000 list size: $450/mo.(Email)/ $490(Pro)/ $580(Max)

The Enterprise plan is for users whose email addresses lists exceed 100,000. This package is available from around $1,199/mo.

The exact pricing for this particular plan depends on your particular requirements. If you thinking about choosing the Enterprise plan,you should first book a demo. You will be required to provide different details such as name,email address,and current list size in the online form provided. You will discuss with the GetResponse team your requirements and pricing.

If you pay 12 or 24 months service in advance,then you can save some cash. For 12 months advance service payment,you will be given an 18% discount while for 24 months of advance service payment; you will be given a 30% discount.

The Main Differences Between Plans
The different GetResponse plans cover key features which include:

• The capability to not only import but also grow and host your email database
• Hundreds of email templates that are ready to use
• Responsive email designs
• The autoresponder functionality
• In-depth reporting
• Split testing
• RSS/blog to email functionality
• Comprehensive segmentation options
• Social sharing tools

Other key differences between the different GetResponse plans are:

  1. CRM: This tool is available for only the Pro,Max,and Enterprise plans
  2. Landing Pages: Only the Pro plan and higher provides this feature allowing not only split testing but also unlimited views.
  3. Webinars: The Email plan does not have this functionality and the number of participants in a webinar is limited both for Pro and Max plans at 100 and 500 respectively. The Enterprise plan webinars attendees limit is not clear.
  4. Users: The Email plan allows only a single user account while for Pro,Max and,Enterprise plan you get 3,5,and 10 user accounts respectively.
  5. E-commerce: You can only employ the use of this functionality if you are either on the Pro,Max,or the Enterprise plan.

In conclusion,apart from the GetResponse having a comprehensive list of features,you would expect an email marketing tool/platform to have,you can also benefit from the substantial discount offered for a 1 or 2 years advance payment of service. Moreover,though other competing tools like Mailchimp may offer free accounts for those with a subscribers number that is small,often the range of features available is limited,unlike when on a paid plan.

Another email auto responder to consider which I mentioned briefly at the beginning of this post and that is in direct competition with GetResponse is Aweber.website Aweber deserves it’s own write up. Whichever software or application you choose,you can be sure that you will have many features to work with. All autoresponders have their own unique benefits so you will have to weigh the pros and cons of each one.

Importance of purchasing property {that is not affected by pollution

There are many vital issues to consider before making any kind of land or property aquisition,and environmental pollution plays a big part. In the very worst scenario,environmental land pollution presents hazards,to users and or residents of the land. This is one of the reasons environmental risk checks are such an important aspect of due diligence for any land or property aquisition.

Types of environmental contamination

There are many different kinds of environmental pollutants that can cause dangers to land users. Very often these are connected with previous industrial use of land,although this is not always true as natural pollutants do also exist.

There are many types of contaminants,these contaminants can include dust or gas pollutants that can be inhaled or contamination in soils which can be transmitted to foods grown on the land as well as grazing animals. Such contamination could also impact anyone working on the land.

Indirect contaminants can also damage property or leach out of the soil due to effects of groundwater or any river,stream or pond in the vicinity. Some of these contaminants are corrosive or could even cause fires or explosions.

Examples of contaminants include:

– Lead or other heavy metals such as cadmium or arsenic
– Tar and oil
– Asbestos
– Radioactive materials
– Chemical substances and solvents
– Gas

You can find out more about contaminated land on the UK government website.

What isthe definition ofcontaminated land?

If you want more information on contaminated land or read technical guides on managing special sites on the website run by the Environment Agency.

The legal definition of ‘contaminated land’ relates to land containing substances which can cause:

– Very significant damage to property,people or protected species
– Harm due to radioactivity
– Pollution to surface waters,such as lakes or rivers,or groundwater

Some of the reasons for land contamination are when it has been previously used as:

– Factories
– For mining
– Steel milling
– Refining
– Landfill sites

Contaminated land can also fall into a ‘special sites’ category. These sites could:

– Cause serious effects to any drinking water,or surface or groundwater
– Previously have been used for activities like oil refining or the manufacture of explosives
– Have previously been regulated under permits relating to integrated pollution controls or prevention
– Previously have been used for disposal of acid tars
– Have been occupied or owned by the MOD
– Previously been used in connection with the nuclear industry or be contaminated with radioactivity

What about brownfield sites?

Most recent Governments want to bring what’s termed brownfield land back into use so that rural land can be preserved. This land regeneration often causes concerns,however. Most larger towns and cities contain areas and sites that are disused and due to demand,development of these brownfield sites and derelict buildings are increasingly common.

In the past minimal regulations were in place to check on the re-use of brownfield sites or any potential environmental hazards thus presented. Now however,things are very different,but it has to be said most brownfield site developments are perfectly safe for residential use. But saying that,selling houses in these areas can present some conveyancing problems,though.

If you have any concerns about environmental contamination which could impact on your property purchase,give the experts at www.argyllenvironmental.co.uk a call to discuss your worries.

Why is a detailed floor plan vital for selling houses or home design?

When it comes to either selling homes as a business or creating home design plans for your own property,there is much to consider. For estate agents or property developers,good planning will help you to make sales and grow sales. For people thinking about private home design,it will ensure you get the finished result you want.

When it comes to making the right preparations,creating a detailed floor plan is top of the list. This will map out in fine detail and scale the layout of a property from a bird’s eye perspective. It is the best way to get a good view of the property in question to show buyers or make design calls from.

Detailed floor plans for selling homes

If you work in an estate agent office or even run one,then being able to include detailed floor plans in your listings is vital. But why is this?

Buyers expect to see one

The first reason to make sure you have a clear floor plan for each property you have on your books is that prospective purchasers will expect to see one. It is just one of the standard things that the majority of people will require from you now when looking at homes. If you do not use detailed floor plans in your listings,then you may lose customers to estate agents who do.

More effective than just using photos

One good thing about floor plans is that they help buyers to ‘see’ a property when combined with just photographs. The details on a floor plan show things that just photographs cannot,but which may be important data which a buyer needs to make an offer.

Saves wasted time

One of the big issues for many estate agents is conducting viewings,only for people to quickly discount the property because it is not what they thought from the photographs. Using floor plans in your listings helps to reduce this wasted time by giving more data to buyers. When someone has looked at a floor plan,they have a much better idea before they book a viewing,of what the property is about.

What about detailed floor plans for making home design plans?

Of course,this kind of work is not only useful in a professional sense. Creating a detailed plan of your home’s proposed new layout is wise when renovating or building a home from scratch. But why should you do this?

Gives you the home of your dreams – creating a detailed floor plan beforehand will make sure that you are totally aware of how the proposed layout fits together and that you have all the features included you want. This ensures you get the home of your dreams at the end.

Less waste and quicker completion– a detailed plan will reduce common mistakes such as design features being installed in the wrong place which would usually take more time and money to fix.

Creative solutions to problems– making a detailed floor plan will also give your creative juices a zap. It will not only help you to visually see where problems may need fixing but also how any tricky problems can be overcome in terms of layout.

Let https://www.metropix.com – Metropix help you create the best floor plans around

If you want all the fabulous benefits that detailed floor plans deliver but in a faster,easier to access way then let us help. Our fabulous service makes drawing up floor plans simple and quick. With no downloads or training required,you will have a detailed plan ready to use in minutes.

9 Criteria To Choose The Best Debt Relief Company

Are you thinking about using a debt relief but not sure how to find a company that is reputable,honest,trustworthy,and won’t rip you off?

More people today than ever are turning to debt relief companies as a result of economic challenges. These companies offer a solution and put peace of mind back into your household’s finances. Advertising for debt settlement is becoming quite common. You may have received an email,seen a late night commercial,or heard a radio advertisement promising to eliminate your debt for pennies on the dollar. Very rarely do any of these advertisements address how long the debt settlement process can take. There are several factors that will dictate this time frame.

Your savings depends on your creditors,the delinquency of your debt,the state you live in,the type of purchases,and your current financial hardship.

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Here are some facts and statistics:

Debt Consolidation companies have relationships with thousands of creditors nationwide. Over 1 million people have been assisted in consolidated their unsecured loans,bills,and credit card debts into one easy payment,while saving thousands of dollars in unnecessary interest & credit fees.

Over half of all American households have trouble meeting their minimum monthly obligations. Up until about 10 years ago,the only option was a debt consolidation program. Today,thousands of people are turning to debt settlement. Since the average household has 14 credit cards,debt consolidation companies were created to help those families concerned with credit debt elimination.

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So how do you choose which company is right for you? I evaluated 17 of the top debt relief companies based on the following criteria:

  • Can they help you reduce your unsecured debt with various types of programs that best suit your needs?
  • Are they a Member of the Chamber of Commerce in good standing?
  • Are they a Member of TASC – The Association Of Settlement Companies?
  • Are they a Member of IAPDA – International Association of Professional Debt Arbitrators?
  • Do they have fast Customer Service response times?
  • Do they have a very high customer rating as no one can give a better evaluation of a company than those who have used them before?
  • Do they offer flexible program based on what you have available on a monthly basis?
  • Do they work with unsecured debt and tax debt to help you with the widest possible help?
  • Do they offer online access to your account?

Before you agree to a debt relief company do your research and ask the needed questions to make an informed decision on which debt settlement company best suits your needs.

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Why an insolvency pracitioner is vital

The definition of an insolvency practitioner?

As a licensed professional,an insolvency practitioners job is to help and support you through the caused by business insolvency. The staff at Antony Batty & Co,with their years of experience,understand how difficult and sensitive this issue is. They can provide you with all the advice you need to help you through the many processes and procedures.

How Antony Batty can help

The actual role and duties of an insolvency practitioner will vary depending on the exact nature of the situation. But basically,they will offer you a bespoke service to cater to your precise needs and issues.

Essentially,Antony Batty & Co will provide guidance and advice to both directors and stakeholders of any insolvent company. In addition,they will negotiate with any creditors as well as arrange for the valuation and sale of the company property. You can of course rest assured that all their work will be performed in accordance with the Insolvency Act 1986.

This is why it is essential to engage with an insolvency practitioner as soon as possible,the laws on insolvency being so complex. Plus,the sooner that one is appointed,the sooner they can start to work on your behalf. They are always there to help you to sort out the difficulties that your company faces.

The role of an insolvency practitioner

Basically,an insolvency practitioner is there to work with you to see if there is any way to rescue your company whilst also bearing in mind the requirements of the people your company owes money to.

If it is not possible to keep the business running,the insolvency practitioner will aim to:

* sell any assets from the distressed company
* collect any money owed to the company
* settle any creditors’ claims
* after paying costs,distribute the money collected

Once you have contacted an insolvency practitioner,you will instantly begin to see the benefits. You will not be shouldering the problems alone. Experienced practitioners,like Antony Batty & Co are well regarded and able to use their wealth of knowledge to help you.

Trust is a must

Once you have accepted that your company is in financial difficulties,it is likely that times will very stressful and anxious. That is why it is vital that you can trust and rely on your insolvency practitioner. It is vital that you can form a trusting and professional relationship with them,especially as you may be working with them over many months.

All insolvency practitioners have a code of conduct that recognises skills such as competence and integrity. However,you must feel comfortable with your choice before you appoint them,so do take the time to think about which one is best.

As fully licensed and authorised insolvency practitioners,you can be assured that [DCL]Antony Batty & Co will look to support your interests and concerns. We are a name that you can trust and rely on.

Act now!

With a free initial consultation,there is no reason to delay getting in talking with us. Call Antony Batty now and see how,as your insolvency practitioner,we can help to make a difference for you and your company.

Are Debt Settlement Companies Worth It?

Debt settlement companies offer debt settlement services for the distressed borrowers. These companies are geared towards providing an excellent service to the debtors by pooling their expertise and the industry wide knowledge on debt and financial markets. Although the settlement process majorly involves negotiations with the creditors,the average debtor does not have the necessary skills and the financial knowledge needed to win a substantial discount on the debt. This is where we need to resort to debt settlement help.

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Debt settlement companies are experts in the debt settlement industry. They consist of professionals who have extensive knowledge and expertise in lending,law and business. These experts help you to analyze the problem in depth and show you the best way to get out of debt fast.

The success of the settlement process largely depends on the perfect timing of the negotiations-you need to know the perfect time to strike! The settlement Companies are very good at doing this as most of their experts themselves are in fact,ex bankers. This gives the settlement company some great tips on how to tackle the creditors. Once their mentality is known,it is easier to formulate the strategy to get out of debt.

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The settlement Companies are generally interested in debts on which a couple of monthly payments are overdue. At this point,the creditor will flag you as a distressed debt and will be chasing you for timely repayments. This is the time when you get collection calls and recovery visits everyday. Now that the red light is “on”,the creditor will try to grab whatever money he can,before you default and file for bankruptcy. During this phase,you need to take some expert help from a legitimate settlement company. Settlement companies are good at striking a great deal for you by exploiting the creditors as they know how much the creditor can recover if they opt for some other method. They will use this information to win a great discount for the borrower whilst ensuring that a viable repayment plan is in place to settle the balance debt.

Through settlement,those who cannot settle debts through other methods such as debt reduction and debt consolidation will get an opportunity to get out of debt without filing for bankruptcy.

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Debt settlement is a legitimate alternative to bankruptcy and should only be considered by consumers who have at least $10k in unsecured debt and are experiencing a financial hardship. To compare debt settlement companies it would be wise to visit a free debt relief network that will provide a free debt consultation to determine which option is best for you.