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Debt - As many as a third of consumers hide their debts from other family members. Men may be more likely to hide personal debts from their partners and do not tell them how much they really owe. Hidden debts can accumulate quickly just through pre approved credit card offers. Many times one partner completes those credit card offers without the other partner’s knowledge. Store cards and credit cards appear to be the most common way that hidden debts are acquired.

No matter how debt happens, getting control of debts is the most important thing to do. The average consumer usually has up to five or more credit cards and owes around five thousand dollars on just one card. One option is to do a balance transfer to a 0% or low introductory card. This can eliminate shuffling all those credit card balances and only have one card balance due each month. However, when a consumer's plan is not working, using a debt professional can help.

Debt professionals use several ways to help consumers get control of debts. There is debt consolidation, debt settlement, and credit counseling services. Knowing which service is best for your needs can also be determined by the help of a good professional. Millions of consumers are in debt and are not doing anything. Credit scores are more important than ever, ignoring debts is not a good idea and it can lead to more debt trouble and bad credit scores. Start early before debts are 60 days late and get on your way to being debt free and stress free. Getting out of debt can take time and sacrifices may need to be made until finances are on track.

One of the best tips for those who are in debt, is to stop spending money! Get out those bills and total what you really owe. Review all the minimum payments due and plan on paying more for each one that you can. Get a second job or find money in your budget by eliminating or reducing some bills. For example, cut cell phone plans, cancel club memberships, reduce the TV cable plan, and eliminate some hobbies until debts are payoff. It can time and effort to get control, but better credit scores and a less stressful life are the benefits.

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NationalRelief.com Review - Copyright © 2010, National Relief, All Rights Reserved.

Debt Settlement will help you get rid of your debts so you can re-take control of your life. Times are tough, and many Americans are facing unparalleled problems with debt. If you are living a life filled with collection phone calls, threatening letters in the mailbox and sleepless nights, you need to know about National Relief. Whether you are delinquent or struggling to make minimum payments, you may be able to get rid of your mounting debt and begin to see light at the end of the tunnel.

National Relief is a debt settlement company, whose dedicated team of professionals has but one goal, and that’s to help you turn your life around. It doesn’t matter how much unsecured debt you have, we are there to help remove the worry, the stress and get you on the path to financial recovery.

Why is debt settlement a better choice for you? Using a debt settlement service is a choice, and a choice that can change your life. When you use National Relief for debt settlement services, here is what you can expect:
* We have debt settlement professionals who will work with your creditors to get your balances as low as possible.
* Rather than continuing to pay huge and numerous bills each month, you will start making one low monthly payment. We will get it to an amount you can cope with, and each payment will be put into an FDIC insured trust account, where it will work to satisfy your debts.
* Within 24 to 48 months of starting a debt settlement plan, you can expect to settle your debts, and through a payment plan you can live with.

Why Consider Debt Settlement Over Bankruptcy? Many people think that bankruptcy is their only option when debts seem insurmountable, but that is a very old notion. Bankruptcy can and will affect your credit for years to come, and can result in loss of property as well as still being forced to pay off the debts. Bankruptcy is one way to lose your credit and still be in debt. Here’s how it works:
* Bankruptcy can destroy your credit by leaving your ratings low for as long as 7 to 10 years.
* Chapter 7 bankruptcy can require the sale of any property not protected by law.
* Chapter 13 bankruptcy will offer a payment plan and will leave a bankruptcy mark on your credit report.
* Your credit report will reflect the bankruptcy option you chose, and your chances of getting credit will be low if not impossible. Interest rates will be high.

Yes, bankruptcy is an option, but is it one you want to take? How Can Debt Settlement Help You? By knowing more about debt settlement and how it works, you may see that it is the right path to take for eliminating your debt problems.
* As you make monthly payments through an FDIC insured trust account, and save funds for settlements, once settlements are made, your credit report will reflect that you have $0 balances and account is “ Settled”, unlike Bankruptcy that will stay on the report for 10 years.
* You will be able to make one monthly payment into the program a payment that you can afford.
* Our company does not charge any upfront fees, your payments will go into a trust account designated for settlements, only after agreements with creditors are reached the fees will be collected.
* Be debt free and stress free, contact us today to see if you qualify.

Debt Settlement and Other Alternatives - At National Relief, we believe that debt settlement is a good option for many people. We can provide the knowledge and experience to help you make the right decision for your circumstances. That’s why we provide information and guidance on two other main credit relief alternatives to debt settlement:
*Debt Management
*Bankruptcy 

Our Accreditations:
*IAPDA - National Relief requires all of our Debt Arbitrators to be accredited through the IAPDA, the International Association of Professional Debt Arbitrators * Tested and certified by Arbitrain Click here to view our certificate
*National Relief is a member of TASC (The Association of Settlement Companies) and is constantly audited to assure and verify our quality control and compliance in the industry. National Relief‘s customer service, underwriting, processing and arbitration is done by a fully accredited member of TASC and has been audited to verify that they are fully compliant with all of our best practice standards.
*Nationalrelief.com is fully compliant with the Federal Trade Commission (FTC) final TSR rule 16 C.F.R. Part 310. Nationalrelief.com does not charge any fees up front. Fees are collected only after negotiations with creditors are completed. Nationalrelief.com offers clients a comprehensive debt relief solution, including debt consolidation, debt restructuring, debt settlement and credit counseling. Our results continue to exceed our customer’s expectations and industry standards. 

Toll Free: 888.703.4948

NationalRelief.com
2502 86th Street, 4th Floor
Brooklyn, NY 11214

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Marriage and Debt - Financial Mistakes Couples Make: smartmoney.com Copyright ©2011 Dow Jones & Company, Inc. All Rights Reserved

IF YOU AND YOUR partner are like most couples, chances are, you fight about money. Numerous studies have shown that money is the No. 1 reason why couples argue and many of the recently divorced say those battles were the main reason why they untied the knot.

While anyone will tell you that talking about money is the first step in resolving problems, talk alone won't do the trick.


Merging the Finances:
The Wrong Approach: United we stand, divided we bank.
The Right Approach: It's yours, mine and ours.

One of the first issues newlyweds face is how to handle their finances. "Couples struggle about this one," says Ruth Hayden, author of "For Richer, Not Poorer: The Money Book for Couples." Should you merge everything you have and earn into one joint account, or should you maintain individual accounts and open a joint one for household expenses?

SmartMoney magazine's survey found that the majority of couples (64%) put all of their money in joint accounts, while 14% kept everything in separate accounts, and 18% had both. "Married couples should try different ways of handling the money to see what works for them," says Ginita Wall, CFP and co-founder of the Women's Institute for Financial Education.

For many newlyweds, the right choice may be somewhere in the middle. "You should have some autonomy money, I should have some autonomy money, and we need to learn how to practice being a couple together with our money," says Hayden.

The advice is different when one spouse enters the marriage with a high debt load. (See our next point below.) But assuming you both have a clean bill of fiscal health, finding a way to blend finances comfortably without feeling like big brother is watching every financial move you make can dramatically cut down on fights. Over time once kids and mortgages come into play many couples find that merging all their finances is simply easier. But unless you're both comfortable with the idea, there's no need to rush things.


Dealing With Debt:
The Wrong Approach: Your debt will ruin us; you must find a way to pay it off.
The Right Approach: It's our debt: Let's decide how to pay it off together.

Of all the issues that spark a fight, debt ranked No. 1 for most (37%) of SmartMoney's survey respondents. "That's one of the places where couples have most disagreement," says Hayden. Couples often don't see eye to eye on how much debt is too much and which kind of debt is bad.

Compounding the problem: in many cases, one spouse enters the marriage with a lot more debt than the other. "We saw that more frequently than we anticipated when we began interviewing couples [for our book]," says Allvine. "It's almost unavoidable. Even if you manage to get to your 20s or 30s without debt, you hook up with a partner who's in debt."

Unfortunately, all bets are off should you get divorced. For more on that, click here. But even with separate finances, your spouse's credit score will affect your ability to get joint credit. "It's a public [credit reporting] system, and what you do will absolutely affect the other," says Hayden.

For those couples not yet married, it may be worthwhile to think about a prenup, just to make sure that assets that one spouse brings into a marriage will always be protected from the other spouse's creditors.

But those who've already tied the knot should find a way to pay down the debts as quickly as possible, and without any late payments. For help with this, visit our Debt Management center.


Keeping Spending in Check
The Wrong Approach: I'm a saver and you're a spender. That's the problem.
The Right Approach: We both spend, but on different things. Let's budget.

Your husband keeps nagging at you that you spend too much but then comes home one day with a huge smile and surprise! a 70-inch flat-screen plasma TV. He happily explains how he sealed the "terrific" deal. You're definitely not impressed.

Sound familiar? Spending is the second most common reason why couples fight, according to SmartMoney's survey. What usually happens, explains Hayden, is that one spouse gets labeled the "spender" and is blamed for skimming all the money out the checkbook. In most cases, however, that's not accurate. "Studies show that men and women spend the same, they just spend differently," she says. Women usually take care of most of the family's daily expenses: the groceries, the bills, clothes for the family while men spend on large purchases like plasma TVs, cars or computers. "If you counted up your money, you would be spending about the same," Hayden says. "But because you spend so differently, the perception is different."

The solution here is to identify the real problem, Hayden says namely, that you're both spending money on a tight budget. Then sit down and decide how much money you'll allocate to the "dailyness" of life, and how much to save for the big purchases. "What we're trying to do is get the 'Surprise!' out of it," she says.


Keeping Money Secrets
The Wrong Approach: What my spouse doesn't know will never hurt him/her.
The Right Approach: Big financial secrets can ruin a marriage.

Among Hayden's clients is a family that first came to see her when the wife found out that her husband had lost a lot of money trading commodities. The real problem? She didn't know his little secret. "It got them in horrible trouble!" Hayden says. "He's very steady, he's a fabulous doctor, he's a great dad...but he had this other part of him that's pure gambler, and it almost brought the marriage down."

Will you be shocked to hear that most couples do keep money secrets from each other? While secret trading or gambling may not be that common, our survey saw 36% of men and 40% of women confess that they had at one time or another lied to their spouse about the price of something they bought. "It's the most common secret," says Wall.

Is it a big problem? Depends on how you deal with it. "Most people also lie to themselves about what they're spending, just as they lie to themselves about how much they're eating," says "The Family CFO" author Allvine. And let's face it, if your wife saved up the extra $100 for her "only $30" Givenchy scarf from her monthly mad money, it's not that big a deal. But if your spouse has been squirreling away thousands of dollars, it may be time to seek the help of a family finance professional. "If this happened in a company," Allvine says, "they'd call it embezzlement."


Emergency Planning
The Wrong Approach: We're fine. We don't need to worry about money.
The Right Approach: Anything could happen. Let's plan for emergencies.

Even if you have a great career, earn a comfortable living and don't have to worry about debt, you could find yourself woefully unprepared for an emergency. "Couples today are under so much stress that anything could tip them," says Hayden. An unexpected pink slip, an accident, illness anything could throw you off track if you don't have an emergency savings account.

"With the couples we interviewed, we found a tendency to panic [in an unexpected emergency] that could lead to the wrong decisions," says Larson. Bottom line? All couples should have an emergency stash of three to six months' worth of living expenses held in a safe place, like a money-market fund. Simply knowing it's there can reduce stress, since you know you're not walking a fine line between comfort and catastrophe.