Misc. Debt

Poetry Competition - It's called 'Debt Free – Poetry to inspire action'

Topic: Misc. Debt | Posted: 1 year 22 weeks
Inspired by a poem by Paul Laurence Dunbar called The Debt, Talk About Debt are ran a poetry competition to find this century’s ‘Debt Poem’. The quality of the response was amazing and the poems a true reflection of the time we live in We have over 100 entries, which have been in a downloadable PDF. We're sure you'll enjoy them as much as we have.

7 Mistakes You Must Not Make If You Want To Get Out Of Debt

Topic: Misc. Debt | Posted: 9 weeks 2 days
Don’t rob Peter to pay Paul If you find yourself taking our new loans to pay back existing loans at expensive rates of interest because your credit rating is not as good as it once was, it may be time to stop and get help.

Auf Wiedersehen Debt

Topic: Misc. Debt | Posted: 1 year 18 weeks
2008 Winning Poem Auf Wiedersehen Debt by Michael Weightman Even though that I don’t know you I’m going to place a bet That now, before or sometime You’ll be face to face with debt It could have been with money That was used to pay the rent Or could have just been credit That you’ve already spent There are always those that aren’t though Born to be a saver

I am unable to pay my mortgage what are my options
Submitted on: 9th Dec 2008 by Non-Member | Total Answers: 1

I can't pay my mortgage. Will I lose my house? What are my options?

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10 Debt Myths Busted – A Must Read

Topic: Misc. Debt | Posted: 9 weeks 1 day
What to do and what your options are when you’re in serious debt it knowledge nearly everyone is without until $@&’s hitting the fan. Not because debt doesn’t affect millions, but because those who have been through the experience don’t tend to talk about it.

The Debt – Over a hundred years on and never so relevant

Topic: Misc. Debt | Posted: 1 year 22 weeks
This is a poem by Paul Laurence Dunbar, and American poet that died in 1906. Over a hundred years, and as the Credit Crunch tightens it grip on the global economy it still strikes a cord.

Debt Management vs the IVA

Topic: Misc. Debt | Posted: 1 year 3 weeks
If you can or want to avoid bankruptcy, debt management or an IVA are normally the two solutions a debt advisor will consider for you. They both offer very different things but share a common objective. They both aim to make you debt free and your monthly repayments manageable. The key areas of distinction are: Only one is legally binding

What stage in the debt cycle are you?

Topic: Misc. Debt | Posted: 1 year 19 weeks
Once upon a time your finances were healthy and if you want them to be, they can be again. These are the typical stages that someone in debt goes through. Do you recognize any?

What does Arrestment mean?
Submitted on: 5th Nov 2008 by Non-Member | Total Answers: 1

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Step By Step

Topic: Misc. Debt | Posted: 1 year 18 weeks
2008 Winning Poem Step By Step by Jennifer No shortcuts where you’re headed, You’ll need fortitude and drive But the sooner you start walking, The sooner you’ll arrive. Don’t pretend that there’s no problem, Hide your head beneath the sand, Instead draw up a strategy And stick to what you’ve planned. Debt’s wily paths are tangled To snare poor passers-by

The Final Decree

Topic: Misc. Debt | Posted: 1 year 18 weeks
2008 Winning Poem The Final Decree By Joanne Graham Depression. It’s raining. My team hasn’t scored. There’s nothing on TV. I’m restless. I’m bored. Pull out the plastic, like a well-timed punch, In the tight-fisted clench of the “Credit Crunch.” Retail therapy. What a glorious feeling. Spending money, not mine. Does that count as stealing?

Twenty and Thirty-something Women Face Higher Debt Costs

Topic: Misc. Debt | Posted: 41 weeks 2 days
Younger people in particular have run into debt in the opening years of the new millennium and are now facing drastically higher debt costs as we end the first decade.

88% - The Percentage of Those Kept Awake at Night With Debt

Topic: Misc. Debt | Posted: 42 weeks 2 days
Debt has a significant social stigma attached to it and never more than when we are falling behind; this is something ingrained into us from a very early age and it is not that long ago that being a debtor who could not pay their way was an extremely serious state of affairs.

A Tale of Two Countries’ Economic Peril

Topic: Misc. Debt | Posted: 1 year 13 weeks
Failed banks. Unemployment. Bankruptcies. Dismal situations even individually, but when they all happen at the same time different countries, it becomes a global disaster. It’s what both the United States and the United Kingdom (along with several other countries) are going through right now.

Debt Jargon Buster

Topic: Misc. Debt | Posted: 1 year 18 weeks
There are so many technical and legal terms, and abbreviations associated with debt and finance. To help, here’s our jargon buster to help.

if my wife owns the property which we live can she be forced to sell?
Submitted on: 28th Oct 2008 by Non-Member | Total Answers: 1

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Who are Labour kidding? What’s the real rate of inflation?

Topic: Misc. Debt | Posted: 1 year 19 weeks
The government today announced that inflation has risen to 4.4% from 3.8% in June, with the main contributing factors being: Food – Whether you’re buying meat, vegetables, cereals or a simple loaf of bread, food is becoming more and more expensive.

Who Do You Turn To For Debt Advice?

Topic: Misc. Debt | Posted: 43 weeks 16 hours
If you are asking yourself this question then good for you! The first step in dealing with your debt is to recognise you need help and advice so while your situation may be causing you a great deal of personal worry and stress, you are on the road to finally being free of your financial problems.

A bit more about me

Submitted by sdean on November 3, 2008 - 9:51pm

I was recommended an IVA about 12 months ago. After the relatively involved proposal process it was accepted and 63% of my debt was written off. I owed £62,000 at the time and was getting further into debt every month. I was waking up at night, and I wasn’t that nice to be around. Now I am a different person and I am paying back just over £400 a month and I can manage it.

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5 more years

Brown backs the courts

Topic: Misc. Debt | Posted: 1 year 18 weeks
Prime Minister Gordon Brown has issued new instruction to the courts for lenders seeking to evict tenants who have got behind with their mortgage payments.

STOP worrying and START living again

Submitted by TA on November 13, 2008 - 10:59pm

Being in debt is a living nightmare. I know because I have been there and is why I have decided to write about it and contribute to this website. Nearly two and a half years ago I had £34,000 worth of debt. For creditors. 2 or 3 phone calls a day chasing payments.

Store cards are bad news

Submitted by kjones on November 3, 2008 - 8:58pm

As tempting as the extra 10% off sales prices was it was the 27% APR that made me say no. I really didn’t realise how expensive store cards were until I started to read the small print. Wow what a shock.

If you’re not going to be in a position to pay back the full amount owed on the card at the end of the month, STOP. DO NOT DO IT. You pay for those clothes or appliances many times over.

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Looking After The Pennies

Sandbanks dreams washed away by tide of debt

Topic: Misc. Debt | Posted: 1 year 18 weeks
One of the country’s most exclusive areas has been hit by the credit crunch. It has emerged that two houses in Sandbanks, Poole, Dorset have been repossessed – the first repossessions in the area in 14 years. The owners of a five-bedroom home got into trouble after their property investment business was hit.

Write About Your Debt Experience And Win £250

Topic: Misc. Debt | Posted: 6 weeks 5 days
We're looking for writers who know what it's like to be in debt to create short articles outlining their personal experience. What could the article include?

Solidarity

Submitted by sdean on November 3, 2008 - 9:52pm

Can you believe the news. The world is going mad. The markets are in free fall. Unemployment is set to rise. We own a significant chunk of the banks. Countries are facing bankruptcy. I thought my life and finances were tricky.

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5 more years

can you get a bank account if you are unemployed and have bad debt?

Submitted on: 17th Jan 2009 by Non-Member | Total Answers: 1

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i borrowed cash from a friend they now tell me they have sold it on, can this be done

Submitted on: 2nd Feb 2009 by Non-Member | Total Answers: 2

i borrowed money from a friend they say now they cant wait any longer for the money and that they have sold the debt on, can this be done and how do i find out who it has been sold to as they wont tell me? i am worried it has been sold to someone that will turn up to beat me up ?

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Supermarkets are not cheap

Submitted by mgrange on November 3, 2008 - 9:50pm

Did you realise that supermarkets just are not that cheap. They are just very convenient. Don’t be fooled by the buy-one-get-one-free signs and the 3 for 2’s. Many of the staple items that make up your shopping basket are pricey and can be bought much more cheaply elsewhere.

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Tight As A Ducks Arse

I am 65years old pensioner, Npower are coming to cut my gas off on monday. Can they do this
Submitted on: 11th Jan 2009 by Non-Member | Total Answers: 0

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Student going onto second year, in debt and very depressed.
Submitted on: 30th Jul 2009 by Non-Member | Total Answers: 1

I am curently unemployed as I have found it very difficult to find a job anywhere even though ive spent practicly everyday hunting.
I currently owe;

£350 for a payday loan (going up £18 a week)
£250 phone bill ( £35 a month)
and £240 rent for first month (I need to re submit some work for university by the 21st of augest so need to move inot my new house soon)

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Debt poetry to inspire you to beat debt

Topic: Misc. Debt | Posted: 8 weeks 5 days
About a year ago we ran a national competition to find a debt poem suitable for our generation as the only one we could find was over a hundred years old. Here's a link to them - debt poems

Hard pressed shoppers turn to cash

Topic: Misc. Debt | Posted: 1 year 18 weeks
The sharp rise in the number of £50 notes in circulation shows that shoppers are turning to cash rather using a credit card, says Nick Buckles, chief executive of the security transport company G4S. He told Radio 4: "Cash payments are increasing all the time.”

I have had a car in my yard for 10 months,i recieved the log book,can i sell it to get rent
Submitted on: 15th Jul 2009 by Non-Member | Total Answers: 2

I have just sent a bill to the guy who i know cannot pay.

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When you're married and in debt, actions speak louder than words

Topic: Misc. Debt | Posted: 7 weeks 5 days
When you're married or in a relationship and in serious debt, the chances are your relationship is suffering. We say for richer or poorer but most couples don't realize just how hard standing by a vow like that actually is. Debt puts an almost impossible strain on any relationship and it's often what ends up not being said signals the end of the road.

My stepson has recently moved out.Will calls from debt companys effect our credit/assets
Submitted on: 16th Nov 2009 by Non-Member | Total Answers: 1

He gave up his property then moved in with us Although he moved out of our house we constantly get calls/letters for him from companys wanting (we think) money.Will this effect our credit rating and or are we likely to get a knock on the door !!!

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Start The New Year Debt Free

Topic: Misc. Debt | Posted: 10 weeks 2 days
On behalf of all of the team at Talk About Debt we'd like to wish all of the websites visitors a happy New Year.