CosmeticallyDistressed.com

Learning how to settle credit card debt can seem quite difficult if you do not know where to start. In my experience all that you need as a consumer is some expert guidance on what steps to take and how to communicate with your creditor or debt collector. Without this information it can be hard to know how to settle credit card debt.

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Throughout the recent years in the credit card debt collection industry, two types of letters have been confused on a regular basis. The first is debt validation letters, which provide consumers with extremely valuable protection against unwarranted collection efforts by both creditors and debt collectors. The second letter is a debt verification letter, which provides little if any protection to any consumers. Do not get these letters confused!

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This is where you can get lots of money by getting cheap houses, as foreclosures mount over and over again month after month. This book guides you through pre-foreclosures and being able to negotiate before it hits the foreclosure market. The author offers his email address so you can ask any question you may have regarding the process. I, in fact, did have a question so I sent Mr Lucier an email. Through, complete and to the point. I was so impressed I ordered his next book before finishing this one. He mentions the vacancy exclusion clause in insurance policies (comes into play after you bought the property and you’re fixing it up and it’s on the market). Apparently, this clause means an insurer is not liable for any losses that occur to a property that’s been vacant more than 30 days. I already ordered another one of his books. Having 20 years of experience in the diamond/jewelry business, I’ve learned to spot the imposters and money hungry pitch-men.

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If you're like many homeowners nowadays, you may be getting behind on your home loan payments. You are not alone. With today’s economy there’s a large amount of it going around.

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When you miss a payment you will most likely receive a letter from your bank or lender informing you that you are delinquent (behind in house payments) 30 days, 60 days, 90 days, etc. These letters will only last so long, before the “clock” starts ticking. When I say “clock”, I mean the window of time your bank or lender HAS TO LEGALLY wait before they can evict you (the time frame depends on your state laws).

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He takes you step by step in a straight forward manner on how to buy these properties. Providing all the charts and letters you need to jump right in is a time saver.

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Thomas J Lucier is someone who delivers on his promise. It is not easy to write this type of “manual”. Sadly, there are many people who make way too much money telling others how easy it is to be rich overnight. I have taken some of those courses and gleaned some good ideas.

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