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  1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-3402391873652954451</id><updated>2024-03-08T05:40:04.136-08:00</updated><title type='text'>ArticleScad</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://articlescadcom.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default'/><link rel='alternate' type='text/html' href='https://articlescadcom.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>3</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-3402391873652954451.post-410926106775257962</id><published>2021-12-28T22:58:00.001-08:00</published><updated>2021-12-28T22:58:23.060-08:00</updated><title type='text'>A Fresh New Start</title><content type='html'>&lt;p&gt;&amp;nbsp;When I met my wife (Carmen) at 26 years of age, I was &lt;a href=&quot;https://digitalsoftmedia.com/&quot;&gt;drowning&lt;/a&gt; in a sea of debt! I am now debt free and a multi-millionaire. &lt;a href=&quot;https://techntravels.com/&quot;&gt;During&lt;/a&gt; this process I discovered that money can become a great tool. It will take you wherever you desire, but you have to become the driver. The play now, pay later principle wasn&#39;t working for me. My wrong mindsets towards money were taking me deeper into debt!&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&quot;Never spend your money before you have it.&quot; - &lt;a href=&quot;https://bizinspires.com/&quot;&gt;Thomas Jefferson&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;4 Life Saving Ways To A Fresh New Start&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;My wife hated debt, I was OK with it. This caused intense strife in our marriage at first. I loathed working three jobs to become free.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;1. Dedicate To A New Way Of Living&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The dictionary is the only place you will find success before work. I thought my previous lifestyle was living but I didn&#39;t realize I was in a prison. I decided that freedom was a better way to live so I wrote my debt on paper and put it on our fridge.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&quot;The speed of your success is limited only by your dedication and what you&#39;re willing to sacrifice.&quot; - Nathan W. Morris&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Each time we paid off some debt I put a line through the old total and wrote down the next amount. I needed the visual reminder to motivate a change in lifestyle.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;2. Educate Yourself To Rise Up&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;I also despised reading. As we started the process I began to read books to develop myself. My mindsets began to become free! When I started investing in knowledge my interests were expanded in many ways!&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&quot;Rich people constantly learn and grow. Poor people think they already know.&quot; - T. Harv Eker&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The combined encouragement of seeing books (I&#39;d read) pile up and the debt go down gave me a new focus. I began to rise up and change for the better.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;3. Believe In Your Dreams&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Debt freedom became a possibility so I begin to dream of bigger things. I realized that it takes just as much imagination to grow debt as it does to build wealth! I saw our family with investments, land and wealth.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&quot;Empty pockets never held anyone back. Only empty heads and empty hearts can do that.&quot; - Norman Vincent Peale&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Our debt had more than cut in half. As I saw the process working this added fuel to my dreams. The images were becoming a reality!&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;4. Take Every Necessary Step To Start Again&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Our plan was simple. I would work three jobs till the debt was gone. Then I&#39;d work two jobs to make a living and build wealth. Many love to wish but it is those who plan and act that see their dreams come true!&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlescadcom.blogspot.com/feeds/410926106775257962/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/a-fresh-new-start.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/410926106775257962'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/410926106775257962'/><link rel='alternate' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/a-fresh-new-start.html' title='A Fresh New Start'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3402391873652954451.post-8479975992610712920</id><published>2021-12-28T22:55:00.002-08:00</published><updated>2021-12-28T22:55:21.729-08:00</updated><title type='text'>Arrangement to Stop Wage Garnishment</title><content type='html'>&lt;p&gt;&amp;nbsp;A wage garnishment is a legal request from a creditor to take &lt;a href=&quot;https://techniexpert.com/&quot;&gt;money directly &lt;/a&gt;from your paycheck before you get paid. If you owe taxes or fall behind on your federal student loans, the government can make such a request without a court order. All other creditors must obtain a judgment in a court of law before they can legally order your wages taken to repay a debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The good news is that you&#39;ll usually get a notice first and&lt;a href=&quot;https://alltechnews.co.uk/&quot;&gt; depending&lt;/a&gt;upon when your employer calls in to order payroll, (known as the &quot;payroll cutoff date&quot;), you will have a limited amount of time to take action that might stop your wages from being taken. The amount of your wages that can be taken also depends on who is garnishing. The IRS can take up to 50% of your wages to pay back taxes, so a wage garnishment is going to hurt you financially if you don&#39;t take action to stop it. The amount that creditors can take ranges from 15% up to 50%.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The easiest way to stop a wage garnishment from happening is to make a payment arrangement with the creditor immediately and start making payments. &lt;a href=&quot;https://edgemag.co.uk/&quot;&gt;Unfortunately&lt;/a&gt;, this priceless information is only helpful when you have money to pay them. If you don&#39;t have the money to pay them, then the next best alternative to stopping the wage garnishment is to file for bankruptcy protection.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;You see, the filing of a bankruptcy case raises what is called the Automatic Stay, which is a court order to stop all collections against the person filing for bankruptcy protection, including foreclosures and wage garnishments. This makes for a powerful tool against those aggressive debt collectors who have taken the trouble of suing you, obtaining a judgment and exercising their legal debt collection efforts by finding your employer and requesting to be paid from your paycheck.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Depending upon your income and financial status, you could file under Chapter 7 of the Bankruptcy Code for a liquidation bankruptcy where you stop the garnishment without making a single payment on the debt. Otherwise, if you income is above average for your household size (using IRS median household income standards), or, if you have assets to protect like home equity, then you can propose a repayment plan under Chapter 13 of the Code.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Whichever direction you choose to take, you need to act fast or the garnishment will go forward. It&#39;s important to consult with an attorney to explore all of your options for getting out of debt and it&#39;s worth exploring a bankruptcy case because it&#39;s a powerful tool that puts you back in control of your paycheck and gives you breathing room to get back on your feet financially. Dump the debt and move on quickly toward your financial goals. Most attorneys provide free consultations, so take advantage of their advice even if you don&#39;t hire them. We&#39;ve helped hundreds of families avoid wage garnishments. Let us know if we can help you too.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlescadcom.blogspot.com/feeds/8479975992610712920/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/arrangement-to-stop-wage-garnishment.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/8479975992610712920'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/8479975992610712920'/><link rel='alternate' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/arrangement-to-stop-wage-garnishment.html' title='Arrangement to Stop Wage Garnishment'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3402391873652954451.post-1994233805876594031</id><published>2021-12-28T22:53:00.003-08:00</published><updated>2021-12-28T22:53:41.101-08:00</updated><title type='text'>Stop Paying Them!</title><content type='html'>&lt;p&gt;&amp;nbsp;According to the author and company that this book is basically an &lt;a href=&quot;https://observingblog.com/&quot;&gt;advertisement &lt;/a&gt;for, Debt Cleanse, Americans have been duped by creditors, credit card companies and other corporate entities into carrying on several self-serving relationships based on long-term or extensive term debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Mr. Newbery narrates the story of his problems when an &lt;a href=&quot;https://totechtimes.com&quot;&gt;unexpected&lt;/a&gt; natural disaster turned his business and enterprises into huge debts. He went from successful to broke and owning $26 million in debt in the matter of a few days following an ice storm. Instead of following the way of many in America, from the poorest to the wealthiest, he did not choose bankruptcy. He made the decision to not pay his debts, any of them.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;He embarked on this plan and has adhered to that and &lt;a href=&quot;https://globaltechideas.com/&quot;&gt;learned&lt;/a&gt; the lessons that he presents here in this book.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Reading the introduction and the first 3 chapters leaves one with the impression that he was able to do this with large amounts of help from friends and especially the company that is referenced very frequently in those pages.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;However, persistence is rewarded in the following chapters and especially when Chapter 15 Action Tools is thoroughly understood. For each of them, from Chapter 4 on, Newbery presents a step by step process to become debt-free.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;As he warns in the prologue, introduction and throughout the book, this is not a quick process. This is not an easy process. This is a one-time only process. At the end of all this work and stress, though, anyone can be debt-free.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Chapter 15 and the forms presented there are the most important feature of this book, as long as the uses for these forms are understood from the explanations in the previous chapters. Each is a fill-in-the-blank type which the reader can adapt with the needed information and have an accurate, legal and properly worded communication device for their specific situation.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The writing is consistent and well-considered. Newbery does an excellent job presenting situations, solutions and examples that will guide the most beleaguered person in clearing their debt and living debt-free. With the exception of the frequent references to the Debt Cleanse website, anyone can use the information presented herein and do the same work Newbery did and is still doing to relieve debt that is overburdening them.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;This book can be recommended to any reader. The.pdf version of the book is highly recommended for anyone wishing to utilize the forms in the last chapter. These forms can be printed directly from the book, if a printer is accessible. If the reader owns Adobe Acrobat full version, these forms can be filled out on a computer before printing.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://articlescadcom.blogspot.com/feeds/1994233805876594031/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/stop-paying-them.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/1994233805876594031'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3402391873652954451/posts/default/1994233805876594031'/><link rel='alternate' type='text/html' href='https://articlescadcom.blogspot.com/2021/12/stop-paying-them.html' title='Stop Paying Them!'/><author><name>Blogrid3rd</name><uri>http://www.blogger.com/profile/13540741843926877824</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry></feed>

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