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Prepaid Credit Card Review

In today’s tough economic times, people have had to come up with some creative ways to spend and save their money. With credit card companies cracking down on fees and late payments, many people are turning to debit cards to help curb their spending and keep to a budget. Prepaid debit cards are a great way to manage money any time.

There are plenty of prepaid cards out there, and almost all offer not only direct deposit but free reloads, as well. The cards are easy to track online, and some even offer payday advances for those that need a little extra cash. AccountNow is one of the better prepaid cards, offering everything previously mentioned and more. It’s free to sign up, and no credit check is required. Better yet, AccountNow offers online bill pay and a free credit builder; every bill you pay online and on time is reported to credit agencies to help rebuild your credit history. Plus, every loan you take out and repay through AccountNow is one step closer to better credit.

Netspend is another great prepaid card you could sign up for, though it doesn’t offer payday advances. Both companies offer your choice of Visa or Mastercard, and the cards are accepted both online and off at all businesses that take debit or credit cards. Both AccountNow and Netspend cards are safer than carrying cash, and offer online banking options, including transaction history, so you know exactly where your money is at all times.

Monopoly Electronic Banking

“Monopoly Electronic Banking: With Monopoly Electronic Banking, wheel and deal your way to a fortune even faster using debit cards instead of cash! All it takes is a card swipe for money to change hands. Now you can collect rent, buy properties and pay fines– with the touch of a button. It’s a new way to play the family classic that’s been brought up-to-date with modernized tokens (including a Segway personal transporter, an Altoids tin, space shuttle, flat-screen TV, baseball cap and a dog in handbag), higher property values and locations based on your favorite landmarks. For ages 13+”
List Price:
Price: 49.99

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Is Bankruptcy Right fpr you?

Chapter 7 bankruptcy and Chapter 13 bankruptcy offer different forms of protection. If you’re facing a financial crisis, a local bankruptcy attorney can help you determine whether Chapter 7 bankruptcy or Chapter 13 bankruptcy might be the right answer for you.

Generally speaking, Chapter 7 bankruptcy is intended to wipe the slate clean by discharging unsecured debt—debts like credit card debt, medical bills, and unsecured loans. Chapter 13 bankruptcy, on the other hand, is intended to give a debtor time to catch up past due payments over a period of 3-5 years, while keeping secured property like houses and cars.

What is Bankruptcy?

There are two types of consumer bankruptcy. Each is intended to help consumers in financial crisis, but the solutions offered are very different.

Chapter 7 bankruptcy, or liquidation, is more common. A Chapter 7 bankruptcy may eliminate a lot of unsecured debt (credit cards, medical bills, old utility bills, unsecured personal loans, etc.), and can generally be completed within just a few months. In a Chapter 7 bankruptcy case, the trustee can liquidate (sell) non-exempt assets to pay creditors, but most people who file for Chapter 7 bankruptcy don’t have any non-exempt assets, and so are able to keep their property while eliminating unsecured debts.

Chapter 13 bankruptcy is often the solution of choice for people who have a lot of secured debt, such as car loans and mortgages, and want to keep the property that serves as security for the loans. In a Chapter 13 case, the debtor enters into a repayment plan that allows 3-5 years to catch up on past due payments.

New Rules
Since the bankruptcy law change in 2005, there have been a lot of misunderstandings about bankruptcy. For instance, many people have been led to believe that almost no one can file for Chapter 7 bankruptcy anymore. That’s simply not true. Although the new bankruptcy law that took effect in October, 2005 added some hoops for debtors to jump through, consumer bankruptcy attorneys and credit counseling agencies have found from the beginning that the Chapter 7 means test actually prevents very few debtors from filing under Chapter 7. In fact, some credit counseling agencies have said that by the time most debtors come to them for the newly-required pre-filing credit counseling, they have no other realistic option! The safety net of bankruptcy is still available to most consumers in financial crisis.

What is Total Bankruptcy?

Total Bankruptcy is sponsored by participating consumer bankruptcy attorneys from across the country, and provides hundreds of pages of free consumer bankruptcy information, articles, blog posts, and other resources on its website at www.TotalBankruptcy.com. Total Bankruptcy’s President, Kevin Chern, is the former managing partner of the largest consumer bankruptcy law firm in the United States, and has personally filed thousands of consumer bankruptcy cases.

Although Total Bankruptcy provides extensive free information about Chapter 7 and Chapter 13 bankruptcy and regular updates on bankruptcy news and developments, many consumers need help understanding how the bankruptcy laws apply in their particular circumstances and making good decisions about their next steps. A consumer bankruptcy attorney may be the best source of that information, so Total Bankruptcy makes it easy for consumers by scheduling free, no-obligation calls with local bankruptcy attorneys.

www.TotalBankruptcy.com