Thoughts of the day

“Debts are nowadays like children begot with pleasure, but brought forth in pain”
~ Moliere quotes

Zue Kamal +6584079111

The Life

STOP!...Worrying...Stress...Depress...Sleepless NIght...
Learn To Manage & Eliminate Your DEBT...

You are not alone ....

Here's how I do it ....

 

Don't let your debt problem eat you up ....

Don't let your debt bury you alive .....

Don't make your children suffer for your mistake ....

Read this to ease your mind, Click here ....

Call Zue Kamal at 84079111 for a free debt analysis....

What to do when you are in debt?

WHAT TO DO WHEN IN DEBT?

You can reduce your debt by controlling your expenses and establishing a cash flow budget to pay off that debt. First, track your expenses for a month. Then, total up your expenses and analyze the figures to see where your spending can be reduced. Identify the essential expenses and cut down on the rest. The goal is to reduce current spending so that you will not need to add to your debt, and to free up cash to pay off existing debts as quickly as possible.

Start dealing with your debts by taking some or all of the following steps:

• Contact your creditors immediately when you cannot make your payments on time. Sit down with them and work out a payment plan that will reduce your payments to a manageable & affordable level.

For credit card debts, speak with the bank or card issuer to see if you can convert the sum you owe into a fixed-term loan, which may have lower interest rate than that charged for credit or charge card.

• Pay off high interest rates debts first.

Pay off loans with the highest interest rates in shortest time possible.

• Transfer debts with high interest rates to cheaper alternatives.

Check out the offer for balance transfer offered by various financial institutions. Beware of promotional rates that may rise once the offer period is over. However, financial institutions may be reluctant to allow you to consolidate your debts if you have been late or defaulted on payments for existing loans.

• Borrow only for the long term.

Ideally, you should only borrow money to finance purchases that are more likely to gain in value, such as property.

• Seek assistance from local groups.

Some organizations help those in financial trouble to get jobs and financial relief. Others offer help in specific areas, such as educational institutions giving bursaries and low-rate loans to needy students.

• Reduce credit card expenses and cash advances.

If you cannot pay off your outstanding debt in your credit card in a few months, stop using plastic to pay for lifestyle expenses, such as restaurant meals. If you do not have cash to pay for such expenses, find cheaper substitutes or postpone your spending till you are better off.

• Cut down your liabilities.

If you cannot meet the repayment for loans on big items, such as cars, consider selling them. Moreover, selling off some of your assets to repay some of your debts may help you to convince your creditor to reschedule your remaining payments.

• If your back is up against the wall already, you may want to call in for external consultants help.

Debt Management firms like RSL Management Consultancy specialize in restructuring individual/personal debt derived from unsecured loans like credit cards, personal loans, overdrafts & hire-purchase. To do that, the agency analyses the individual’s income against his/her liabilities (debts). From this crucial statement, they work out a suitable repayment plan based on his/her ability to pay to repay the debt, rather than the demanded sum from the creditors.

• If you refused to take action in managing your debt or make any payment to your creditors, you may have to face bankruptcy.

by RSL Leeo
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Are your debts eating you?
Are you on the verge to giving up?
Are you ready to face bankruptcy?

Before you decide, click here.

Now whatever problems you have, that could be solved. If you don't dare to do it alone, come to us and we can help you get through this situation.

Trust us and we'll help you come out with a plan to get you out.. To meet us or attend our preview session to meet my mentor, contact us @ 8407 9111

To a debt FREE Life..

Zue Kamal

PS: Don't Let Debts Ruin Your Life.. Get Help.. Get our help.. Contact us @ 8407 9111

PS: If you like what you read, do share this link

How to Solve Debt Problems - 3 Tips to Lower Debts

Being credit savvy is the best way to guarantee the best and lowest
rates on mortgages, auto loans, and personal loans. Unfortunately,
millions of Americans suffer from credit denial. They acquire an enormous
amount of debt, and instead of creating a plan to reduce debts, they ignore
the problem. However, your debt will not miraculously disappear. Here
are some tips to help you reduce your debts and become financially free.

Unsecured Credit Cards: Get Rid of the Plastic

Credit cards account for a large portion of consumer debts. In fact,
most people with debt problems have several maxed-out credit cards that
total thousands of dollars. While the average household has a credit
card debt of approximately $6,000 to $8,000, some consumers are carrying
credit card balances over $20,000.

First step to reducing credit card debt involves getting rid of the
card. Do not close credit card accounts. Instead, cut the cards in half.
This way, you no longer have the ability to shop freely.

Next, outline a realistic plan for repaying debts. Individuals who earn
a sizable income may be able to allocate their disposable income toward
paying down balances. If not, consider obtaining short-term second
employment.

Take Advantage of a Home Equity Loan or Mortgage Refinancing

If you own a home, getting a home equity loan or refinancing your
current mortgage may provide you with enough funds to eliminate your
unnecessary consumer debts. Both loans are protected by your home; thus, these
loans are easy to qualify for.

Common uses of home equity loans and cash-out refinancing include debt
consolidation, home improvements, education expenses, weddings, etc.
Furthermore, by using the funds to pay credit cards, you will also boost
your personal credit rating.

Debt Management and Credit Counseling Services

Using a debt management and credit counseling services to reduce debts
is very effective. Although these agencies accept all types of credit,
individuals with poor credit and non-homeowners can greatly benefit
from these services. Debt management agencies will provide applicants with
valuable information to help them use credit responsibly. Moreover,
agencies will contact creditors and negotiate lower interest rates, and
attempt to get late fees waived. Through a debt management agency, you
can expect to be debt-free within a few years.

View our recommended companies for Debt Solutions.

Article Source: http://EzineArticles.com/?expert=Carrie_Reeder

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What do learn from this article?

Are you in credit denial?

Need further advice, click here

Don't let debts ruin your life....

Hi,

Are your debts ruining your life right now?

Is your family affected by your debts?

Are you disappointing your family?

Are you gambling their money away?

Are you going to continue disappointing them over and over again?

.....

I can continue going on further but I know how you feel. I was in that position before. However, I met my mentor one day and that really help me solve my debt problem.

I'm Zue Kamal. I'm a Debt Consultant with RSL MANAGEMENT CONSULTANCY. I know you are in trouble and I want to help you. Before that allow me to share with you my story..

5 years ago was a living hell for me.  Everyday, I had people knocking on my door every single day for 7 months. Be it creditors, family members and even friends who I trusted and thought they will help me when I was in trouble. Instead they harassed me, scolded me for all the debts that I had incurred.

I was lost and felt hopeless. My husband and I had no one to turn to..  

At work I can't concentrate on my job and my boss began to see how bad my performance was. Very often I was called into the office to be lectured by him. Even though I explained to him my situation but nothing much could be done. Fortunately he was kind to let me work there despite the problems I had.  

Do you wonder how I got into that Dark Hole?

Well, I bought clothes, shoes, gifts for nieces and nephews without thinking about the amount I spent. I went on crazy holidays and kept swiping the credit cards like nobody business. I just spend and spend as though I am the richest person in the world.  I  lost control of my sensibility.

By the time I got back to reality, my worst nightmare came. I had 3 different credit cards back then and the  bill amounted to 3 x $5,000 = $15,000. I totally got a shocked of my life. There and then my mind became confuse and at the same time worried...

"Will I go Jail?".. "Will I be Bankrupt?"..."Will be my House be taken away" and many more questions kept ringing and ringing in my head..

Now are you in the same position I was 5 years ago?

If you are. Hear me out..

About 4 years ago, one of our friends who knew of our problem suggested that we attend a business preview, hoping that by doing a part time business that would solve our problem.

So we agreed to attend the Business Preview Session.

Then there came this Man.. Tall, medium built, handsome with a smily face. Though he was not the main speaker, but this man touch on this topic - Debt. To me it was like a prayer answered by God. How did this happen that I came that night to learn about a business instead I found a better solution to my debt issues. 

The rest of the story is history. My $15,000 debt was resovled within 3 years from the time I met my mentor. 

Now it seemed like a long time, 3 years but I was fortunate to know that. Some people I knew who had less debts from us but took more than 5 years to settle it. 

Why is that? How did we solve the problem faster than this person?

Well I can tell you that we did not skim on spending. Because we still have the mortgage to pay, bills to pay and need food on the table. So how exactly did we manage to solve our debt issues? 

We definitely did not do it alone. We had someone hand holding us thru'  until how we are today. Yes we are debt free now except for our house. We've cut off all our credit cards, our family can own our car without worries and we have plenty of money to spend and even go for holidays. All thanks to our mentor. 

Are you in our situation right now? Do you want to be debt free?Now there is so much I can share with you in writing but for me to give you more information it is better that I meet your in person or you come to our preview sesion with my mentor.

Ooh yes. Did we tell you that we went through training under our mentor to become debt consultants to help people who were in a similar boat like us? 

Yes..  We are still under training at the moment.. However we have already received more than 20 clients so far and we have been helping them to get them out of the mess.

Yes. Our mentor will also be helping and guiding you at the same time.

Yes. We work as team. We are not a one man consultant business.

Allow me to ask you some question..

Do you want to live a happy life? 

Do you want a better life for your family?

Do you want to be free from financial burden?

Do you want your children to carry your financial burden?

How dare you let your children suffer from your mistakes?

Now whatever problems you have, that could be solved. If you don't dare to do it alone, come to us and we can help you get through this situation.

Trust us and we'll help you come out with a plan to get you out.. To meet us or attend our preview session to meet my mentor, contact us @ 8407 9111

To a debt FREE Life..

Zue Kamal

PS: Don't Let Debts Ruin Your Life.. Get Help.. Get our help.. Contact us @ 8407 9111 

About me

Hi,

I'm a Debt Consultant with RSL MANAGEMENT CONSULTANCY.  I specialise in assisting people with debts especially credit cards to resolve their loans.

Three years ago, I was in debt.  I reaped about S$4.5k in credit card debts.  After paying minimum payment for close to a year, I began to question my stupidity. The principal kept accumulating as certain months I was late in paying so the late payment charges and interest were added on.  I decided to pay off all outstanding when I got my bonus and cancelled my credit card. Today, I have renovation loan (1 more year to settle) and HDB loan to settle.  

One day, I chance upon an opportunity.  With minimal capital, I started attending talks and previews.  In one preview session, Mr Leeo gave a talk on debts.  After his sharing, I realised that there are people who shared my dilemma.  I enrolled for his workshop and learned more about debts and methods of settlement.  The more I learned, the more I want to help people who are in debts.  

Mr Leeo has efficiently created 5-CARED STEPS to getting out of debt.  He has applied this simple and easy system.

1.      Consolidate who you owed.

2.      Analyze how much you owe.

3.      Restructure your debt amount.

4.      Evaluate the right programme to manage and eliminate your debt.

5.      Decide the term period to settle your debt.

I have since applied these steps on my clients and some have successfully received a restructuring plan from the bank. 

For a free debt analysis, do call Zue Kamal at +65 84079111.

This is my first post

Hello everyone, I'm new to blogging.