The software is easy to use and 100% free. Operates on Windows computers and requires 16MB of disk space.
Download Instructions: Click on the download link, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon will appear on your main Windows display. To launch, double-click the Icon on your main Windows screen.
Track Expenses - Our free software makes it easy for you to track where you spend your money the most. You can sort expenses by categories such as clothing, entertainment, credit card purchases, etc. You can easily edit, add and delete expense entries.
Tracking expenses is a must for anyone who wants to know where they spend most of their income so they can reduce expenses and establish a personal budget. Credit Federal's free software makes it easy to input and track expenses without having to generate additional paperwork. Our software runs directly on your Windows computer, and does not require you to be online to use.
Credit Tips - our software will help you analyze your expenses and will offer you tips on how you may be able to improve your credit score.
No AdWare - our software does not contain any AdWare, and there are absolutely no
popups and no viruses. If you desire to apply for a credit card or loan, our software will offer you links to the Credit Federal web
site, but will not affect your browser settings.
Easy Install and Un-Install - The software is easy to download, and contains a quick uninstall function should you desire to remove it from your computer.
No credit card required - Our personal budget, expense tracking software is absolutely 100% free and without any obligations. Our software does not require you to enter sensitive personal information such as back account or credit card information.
Track
Expenses Today. Do you know how much per year you spend on utilities? On insurance? On credit card payments? What are your total weekly, or annual, personal expenses? Track your personal household expenses with Credit Federal's free
personal budget software. It will calculate all your expenses and income, and will provide you with itemizations. This software can help you define where you mostly spend your money, and where you can make savings. It is 100% free, and operates directly from your personal computer (Windows Required). Download our free software.
If you are a freeware site, include our finance software via our PAD file.
When
debts are charged off or rather written off by a creditor, the borrower may get
a notice from the creditor when it is done. The charge off could be considered
income and may need to be claimed on a tax return. If so, the debt is legally
dead and taxes were paid on the income. Be aware that there is a statute of limitation
in all states, it is important to know what it is before trying to arrange to pay off a debt.
Collectors have a certain time period to collect on a debt.
When a debt is older than the statute of limitations, make that clear to bill collectors.
Debts
may not be on credit reports after seven years, if it has not been paid during
that time. How an account has been reported can make a difference between
ruining credit or having no affect on reports. The time a late payment can remain on
reports has nothing to do with the statute of limitations. People can be sued
for a debt even though it is not on a credit report, and the statue limitations
is still in effect. Once the statue is out of date, the debt is not
collectable.
When
people are not successful at getting out of debt by themselves, they often seek
a credit counseling service. Debt settlement programs
advertise they can help decrease debt up to fifty percent. This could be
possible when accounts are closed and a payment plan is developed. Some people
are able to get a debt settlement loan to pay the reduced payoff. Debts that are
delinquent can cause a creditor to take legal action, and they may win a
judgment. When this happens, part of a person's income could be garnished or
property could be seized. When a huge amount of debt is owed, the chances of
this happening can increase.
Just
because there are a lot of debts, does not mean a person should automatically
jump into filing bankruptcy. Sometimes people are so stressed they jump to this
option. They may not want to risk garnishment of wages or seizure of their
property. This is not a possibility without having court take place first. Bankruptcy
is one choice that should be used when there are no other alternatives.
The
creditor who settles for a lesser amount of money, may mail a 1099 tax form to
the borrower, so it can reported as income on their tax return. Yet, if a person
owed $50,000 and the creditor settled for $25,000 that may be worth getting a
1099.
Review Disclaimer:
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Credit Card Debt Help Company - Debt settlement is the best choice for people who are looking for serious credit card debt help. Debt Help is a debt resolution option for unsecured debt that is based on negotiations between the creditor and debtor. The goal of debt settlement is to enable you to pay off your debt for approximately 50% or less than the amount that you owe. The benefits of credit card debt help with debt settlement are immense. Not only will you be completely debt free, but you will also become debt free quickly. Debt settlement programs usually last 12 to 36 months. That’s much faster than any other form of credit card debt help. Premier Financial Debt Help is a leading debt settlement company that offers credit card debt help in the form of debt settlement programs. After enrolling in our debt settlement program, you will meet with your debt settlement coach and begin receiving free credit card debt help. Our credit card debt specialist will review your debt and design a plan for your credit card debt settlement. Next, negotiations will begin with the credit card companies that you owe. To learn more about credit card debt help with debt settlement, please take a moment to fill out our no obligation debt settlement form.
Debt Settlement - Debt Settlement, also known as debt negotiation, involves a personalized plan that successfully enables a negotiator to settle unsecured debts for no charges until your debt settled . Once the creditor and debt settlement negotiator agree on a reduced balance it will be viewed as payment in full by the creditor. debt help has become a practical alternative for many thousands of consumers across the country and is the most sufficient alternative to bankruptcy.
Millions of Americans are victim to skyrocketing unsecured debt. If you possess several credit cards, you can possibly hold a total balance of $13,000.00. If you only make the minimum payments or completely miss the payments, you can end up paying over 20% interest on each card. In other words, unless you hit the lottery, you could be paying off those cards for the next couple of decades. Other types of unsecured debt are medical bills, utility bills, and personal loans
With unemployment on the rise, many people find it difficult to juggle all that unsecured debt. Even if you aren't unemployed, you could be suffering an illness, recovering from a divorce, earning a much lower salary, or experiencing of variety of other things that could dramatically affect your financial health. It's no mystery why more and more people are seeking valuable debt solutions.
For those who aren't completely insolvent, debt settlement would be the best option. As long as you have over $10,000.00 in debt, you can qualify. Once you participate in a debt settlement program, you stop paying your creditors for the first few months. The minute you stop paying them is the minute they're willing to accept lump sum payments from you (since getting something is better than nothing). Plus, this gives you the opportunity to save that money for when the payments do come.
After that period is over, you will start making lower monthly payments to all your creditors. As a result, you can eliminate your debt within a matter of 36 months! Now you're wondering: How do I find a debt settlement company?
Debt Settlement Companies - Creditors lose money in bankruptcy cases; therefore they are more inclined to agree on a settlement. The consumers are content because with credit card debt settlement they are able to settle their total outstanding credit card debt balance for a portion of what they owe, in many cases. debt reduction or debt negotiation generally can be completed in as little as a few to as much as sixty months(depending on affordability) with affordable and customized payment plans, without having to file for bankruptcy.
How do you negotiate? Our debt negotiation experts have trustworthy relationships with many creditors/lending institutions; this allows us to assure fair compromise with our client’s best interests in mind. Premier Financial understands the many priorities in life, and your debt settlement Coach/Customer Service Team will help guide you so that you are proactively saving in accordance to your personal financial plan.
* Affordable payments
* We're not a Consumer Credit Counseling Service, and our team of debt negotiators work with the creditors for credit debt relief of our clients , not for them
* With our program, your monthly payments are generally lower than what you may now be paying the creditors
Once you enroll with Premier Financial Debt Settlement, you will receive feedback and have unlimited access to your settlement coach to update any account information and answer any questions you may have.
Implementing the best customer service possible, and being the Premier Financial Debt Settlement is our main priority.
If you're looking for great debt settlement companies, Premier Debt Help is the perfect choice! Unlike many other debt settlement companies, we don't charge any up-front fees. We don't get paid until your debts are settled.
Other debt solutions include credit counseling, debt consolidation, and bankruptcy. Debt settlement does not affect your credit score nearly as much as those aforementioned solutions. Most people in debt do not have great credit to begin with. Your credit score might decrease a bit. However, the decrease will only be short-term. And once you're done paying of all your debts, you will be well on your way to rebuilding you credit!
Some people choose to file for bankruptcy, because they feel it's the "cheapest" option. As long as you are solvent, there is no reason to choose bankruptcy over debt settlement. Bankruptcy will ruin your credit for the next 7 to 10 years, making it more damaging in the long run.
Debt elimination is possible! Calling Premier Debt Help for your free consultation would be the perfect solution. We even offer a 100% money back guarantee!
Premier Financial Debt Help
4400 Route 9 South - Suite 2100
Freehold, NJ 07728
877-235-3878
Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.
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Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Debt Settlement Lawyers - You don't need a debt settlement attorney to negotiate with creditors, unless you feel intimated by creditors and don't want to be hassled with the settlement agreement letter and process. Some people choose debt settlement lawyers for the wrong reasons. Here are some facts: * Lawyers are not able to stop you from being sued by a creditor. * Many debt negotiation attorneys cannot give legal advice. Most debt settlement lawyers serve clients nationally, so unless they are licensed in your state, you'll be paying extra fees for a law degree that can't be put to use. And, since they operate nationally, most debt settlement lawyers do not represent their clients if legal action is taken by the creditor. * Debt settlement lawyers tend to be much more expensive than other alternatives because many take a percentage of your settled savings. * Debt settlement attorneys typically charge higher fees than other debt settlement companies. Hence hiring a debt settlement lawyer only makes sense if the attorney only operates on a local level and will represent you in court in the event of a lawsuit, or they offer fees that are competitive with other companies in the industry.
