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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-7793188789509076726</id><updated>2024-03-12T19:29:29.347-07:00</updated><title type='text'>TheHealthyMonk</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://thehealthymonkcom0.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default'/><link rel='alternate' type='text/html' href='https://thehealthymonkcom0.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-7793188789509076726.post-1992254271079316288</id><published>2021-12-29T03:20:00.003-08:00</published><updated>2021-12-29T03:20:48.458-08:00</updated><title type='text'>Bad Credit Has Become A Worry Of The Past</title><content type='html'>&lt;p&gt;&amp;nbsp;Having a bad credit or filing bankruptcy does not mean that you cannot buy a home. Bad credit does not refrain you from getting a home loan. Bad credit does not require you to pay down payment in order to buy a home. Loan options are available for people who have faced financial crisis or bankruptcy, but the underwriting standards are strict.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;a href=&quot;https://digitalsoftmedia.com/&quot;&gt;To Qualify for a Loan&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;You have to improve your &lt;a href=&quot;https://bizinspires.com/&quot;&gt;current financia&lt;/a&gt;l status once you have filed bankruptcy. It is a fresh start. To be eligible to apply for a loan you should show a steady job graph of at least two years. You should be earning a regular income. Self employed people will not be able to apply for this loan. You should settle all bills on time and save at least 10% percent of your monthly income for the down payment.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Three Steps to a Home Loan&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The first step in your quest to get a bad credit home loan in spite of bad credit is to do a background check of your own financial information. This will help you to decide if you will be able to pay the home loan. For this, collect all the documents &lt;a href=&quot;https://techntravels.com/&quot;&gt;regarding your financial&lt;/a&gt; status. A good employment record and monthly expenses details should be good evidence to your loan repayment. All your assets should be declared so that they are included in your details. You should also keep the lenders informed about any other liabilities such as education loans of the children or any car loan payments. You should be able to convince the lenders that you are ready to handle the loan payments.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Your next step is to find a cosigner who will help you in the approval of the loan and also in negotiating the terms and conditions of the loan. In case you are not able to repay the loan, the cosigner will be liable to pay the balance amount. Thus the cosigner is also a borrower on the loan and the loan will appear on his/ her credit reports also.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Next, apply for a loan that is insured by the government and one that does not follow very strict guidelines. There are loans which are specifically meant for people with bad credit. These require lesser down payment and a lower interest rate.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Sorting Bad Credit&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;There are various ways in which you can minimize your bad credit and this will be helpful in repaying your home loan. The first tip is to spend an amount which you can pay back on time. If you are using a credit card, make it a practice to pay the minimum balance on time. If you can pay some extra amount, that will make an excellent impact on your credit report. You should never use up the entire credit balance in your credit card. Do not accept new credit card offers.&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://thehealthymonkcom0.blogspot.com/feeds/1992254271079316288/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/bad-credit-has-become-worry-of-past_29.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/1992254271079316288'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/1992254271079316288'/><link rel='alternate' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/bad-credit-has-become-worry-of-past_29.html' title='Bad Credit Has Become A Worry Of The Past'/><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-7793188789509076726.post-1562675030336474411</id><published>2021-12-29T03:19:00.001-08:00</published><updated>2021-12-29T03:19:07.433-08:00</updated><title type='text'>Bad Credit Has Become A Worry Of The Past</title><content type='html'>&lt;p&gt;&amp;nbsp;Having a bad credit or filing bankruptcy does not mean that you cannot buy a home. Bad credit does not refrain you from getting a home loan. &lt;a href=&quot;https://techniexpert.com/&quot;&gt;Bad credit&lt;/a&gt; does not require you to pay down payment in order to buy a home. Loan options are available for people who have faced financial crisis or bankruptcy, but the underwriting standards are strict.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;To Qualify for a Loan&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;You have to improve your current financial status once you have filed bankruptcy. It is a fresh start. To be eligible to apply for a loan you should show a &lt;a href=&quot;https://edgemag.co.uk/&quot;&gt;steady job graph &lt;/a&gt;of at least two years. You should be earning a regular income. Self employed people will not be able to apply for this loan. You should settle all bills on time and save at least 10% percent of your monthly income for the down payment.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Three &lt;a href=&quot;https://edgemag.co.uk/&quot;&gt;Steps to a Home Loan&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The first step in your quest to get a bad credit home loan in spite of bad credit is to do a background check of your own financial information. This will help you to decide if you will be able to pay the home loan. For this, collect all the documents regarding your financial status. A good employment record and monthly expenses details should be good evidence to your loan repayment. All your assets should be declared so that they are included in your details. You should also keep the lenders informed about any other liabilities such as education loans of the children or any car loan payments. You should be able to convince the lenders that you are ready to handle the loan payments.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Your next step is to find a cosigner who will help you in the approval of the loan and also in negotiating the terms and conditions of the loan. In case you are not able to repay the loan, the cosigner will be liable to pay the balance amount. Thus the cosigner is also a borrower on the loan and the loan will appear on his/ her credit reports also.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Next, apply for a loan that is insured by the government and one that does not follow very strict guidelines. There are loans which are specifically meant for people with bad credit. These require lesser down payment and a lower interest rate.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Sorting Bad Credit&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;There are various ways in which you can minimize your bad credit and this will be helpful in repaying your home loan. The first tip is to spend an amount which you can pay back on time. If you are using a credit card, make it a practice to pay the minimum balance on time. If you can pay some extra amount, that will make an excellent impact on your credit report. You should never use up the entire credit balance in your credit card. Do not accept new credit card offers.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;If you have a bad credit, you need not feel that it is the end of the road to opportunities. If your credit score is not too low, you still have chances of lenders offering you a home loan.&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://thehealthymonkcom0.blogspot.com/feeds/1562675030336474411/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/bad-credit-has-become-worry-of-past.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/1562675030336474411'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/1562675030336474411'/><link rel='alternate' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/bad-credit-has-become-worry-of-past.html' title='Bad Credit Has Become A Worry Of The Past'/><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-7793188789509076726.post-83607732448250615</id><published>2021-12-29T03:17:00.000-08:00</published><updated>2021-12-29T03:17:15.216-08:00</updated><title type='text'></title><content type='html'>&lt;p&gt;&amp;nbsp;Late payments and debt recovery are the biggest challenges that you have to face while running a business. In general, it is the process of getting back the owed money from a debtor. This recovery process is not an easy task as it involves complicated methods and strategies for getting back the due amount from the customers. In some cases, consumers start ignoring you by not responding to your phone calls, notices or messages. However these days many effective solutions have been come up that has enabled businesses to deal with their debtors in a competent way. As not everyone is a recovery expert, so one must take help from a professional debt recovering firm to resolve all their problems.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Recovering the due amount should always be handled by a professional rather than going in on your own and wasting your precious time on something that you cannot handle. Instead you must focus on the other important aspects of your business. Here are some factors to consider while hiring a commercial firm for getting back the owed money from your customers.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Check whether the agency is licensed or not - you must make sure that the service you hired is licensed.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Make sure that the debt collection firm is well insured - it is important that the agency you hire is well insured for overcoming bad times and &lt;a href=&quot;https://globaltechideas.com/&quot;&gt;difficult situations&lt;/a&gt;. Also check whether it has the capability of handling all your debt related issues or not.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Always ask for a proper fee structure before hiring - each debt recovery firm has its own fee structure, so it&#39;s you to decide whom to hire after doing a proper research.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Make sure if your agency allows you to access your online accounts - no doubt they&#39;ll be handling your accounts but you must keep an eye on it to stay away from issues like conning, bluffing and fiddling.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;How a collection firm works:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;1. First of all, the agency will dispatch legal debt collection notice to your customers regarding paying back the debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;2. Then comes the turn of a solicitor&#39;s letter. With this, the debtor will be given a 7 day legal warning period for paying back the debt.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;3. Legal Action - This is the last and final course of action which would be taken against the debtor if he does not adhere to any of the above mentioned considerations.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Benefits of these debt collecting agencies:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Saving your time and efforts.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• Allowing you to focus on the growth of your business, &lt;a href=&quot;https://observingblog.com/&quot;&gt;rather&lt;/a&gt; than thinking about the recovery process.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;• You can track the ongoing progress of the &lt;a href=&quot;https://totechtimes.com/&quot;&gt;process and take&lt;/a&gt; the initiatives accordingly.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Debt collection has always been an efficient and cost-effective way of getting the due amount, resulting in keeping on your online recovery accounts up-to-date, improving cash flow and maintaining a corporate image of your business.&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://thehealthymonkcom0.blogspot.com/feeds/83607732448250615/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/payments-and-debt-recovery-are-biggest.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/83607732448250615'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/7793188789509076726/posts/default/83607732448250615'/><link rel='alternate' type='text/html' href='https://thehealthymonkcom0.blogspot.com/2021/12/payments-and-debt-recovery-are-biggest.html' title=''/><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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