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Articles by Talbert Williams:

Which Is Worse--Debt Settlement Consolidation or Bankruptcy?
How to Find High-Quality Debt Consolidation Information If you are experiencing evils with credit, then you may want to search the marketplace for information that can help you discover the best solution for removing debt. There are a number of eligible resources online that offer valuable ...more

Credit counseling agencies are still fraught with corruption
The recently passed Bankruptcy Abuse and Consumer Protection Act requires, as a condition of filing for bankruptcy, that all debtors first meet with an approved credit counseling agency. This is designed to ensure that all debtors receive some sound advice regarding money management so that they ...more

Credit counseling could help, but probably won't, thanks to new regulations
With the Bankruptcy Abuse and Consumer Protection Act taking effect this month, consumers are hurrying to file for personal bankruptcy as soon as possible. The new law makes it harder, more expensive and more time consuming to file for bankruptcy, and increases the likelihood that debts will have ...more

New bankruptcy law makes counseling mandatory
The average household in America now has nearly $10,000 in credit card debt. One in three families have a home equity loan in addition to their first mortgage. Americans are saving at a lower rate than ever before. As a society, we are spenders, rather than savers, and sometimes that spending gets ...more

7 Tips for Generating Online Leads Part 2
4. Keep It Need-to-Know When it comes to forms, ask for as little information as possible. You probably want to request customer information that includes everything from name to shoe size. You can certainly ask for it. But the more information you ask for, the less likely folks are to fork it ...more

7 Tips for Generating Online Leads Part 1
Generating a lead may be the sole purpose of your site or a small piece of your marketing mix. Either way, it is always about answering a prospect's unspoken questions and communicating the value of doing business with you. Folks do their research online precisely so they don't have to ...more

Credit counseling - Are all counselors the same?
In April 2005, Congress passed legislation comprising the most sweeping changes in U.S. bankruptcy law in more than a quarter of a century. The law, known as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, was intended to prevent consumers with problem debt from being able to ...more

Christian Debt Management
Many Christians are uncomfortable with the idea of having debt, and having debt that is out of control makes the situation even worse. Many Christians feel that it is simply unacceptable to owe money, even for something as fundamental as a mortgage or an automobile. Other Christians feel that debt ...more

Credit cards for tuition and books? There are better ways to manage student debt
The price of a college education has risen dramatically in the last ten years. Prices of tuition, room and board and books have increased much faster than the rate of inflation, and students and their parents have struggled to find ways to pay for these increases. A recent study by the Smith ...more

Credit card debt can be made worse through negligence
The fine print in a credit card bill can be a daunting read. The terms are lengthy, they're written in "legalese" and your eyes typically glaze over before you finish reading. Despite the complicated nature of these terms, they are important, and consumers should understand exactly what sorts of ...more