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Kimbery Credit Counselings Blog

• Credit Cards...Why am I in Debt
  As most people that use credit cards for almost all of their payments it is estimated that 80 percent of the Americans have credit card debt. Debt Consolidation services like ours are here to assist you in getting out of the credit card debt you might have got yourself into.
  
  There are lots of advantages you get by choosing credit card debt consolidation service. The main advantage of credit card debt consolidation is that it brings financial stability in your life. You know that your credit card bills will be paid and you will see your monthly balances go down with each payment that you make. We do the negotiation with the creditors and reduces the interest rate to a significant extent. Credit card consolidation will assist you to getting rid off your unsecured debts which includes your credit cards within a shorter period of time than you can do yourself.
  
  Though credit cards can be an excellent way of making easy payments and a way for you not to carry cash, you may end with high debts owing to many creditors. If you are one of those people then a debt consolidation program like ours might be a way for you to consolidate your unsecured debts and assist you in taken over your financial situation and getting it under control.
  
• Budgeting: How To Reduce Utilities Expenses
  Things you can do to reduce your utility bills.
  
  How Can I Lower My Heating Bills -- You can turn your thermostat down about three degrees. Doing this can save you about 3% on your heating bills at times. You can even turn it down even more when your in bed at night and during the day when you're at work to save even more money. You can close off rooms you don't use to conserve even more energy. You should weatherstrip doors and windows and insulate the attic.
  
  How Can I Improve Appliance Efficiency -- The three biggest consumers of energy in your home are the heating system, your hot water heater and your refrigerator. You can improve the efficiency of these appliances by making sure you maintain them. Give your furnace a tune-up once a year. Wrap the water heater to insulate it and you should also clean the refrigerator coils at least twice a year. Contact your utility company and find out if a reduced rate is offered during certain times of the day as well . If so, use a timer to set your water heater so that it cycles during this period of time during the reduced rates.
  
  How Can I Lower Long Distance Charges -- Calling friends and relatives at night and on weekends can lower your long distance telephone bill. You should also shop around and compare long distance packages to get the lowest rate possible. Of course, you can save a bundle by communicating via e-mai or web caml rather than making a telephone calls.
  
  How Can I Lower My Water Bill -- Fix all water leaks and install water saving showerheads. You can also place a container filled with water, a brick or any other heavy object in the toilet tank to conserve water as well. Do full loads of dishes and laundry. Washing a full load of clothing is the most economical way to use your washing machine. Use cold water whenever possible. Did you know your water heater is the second biggest consumer of energy in your home.
  
  Did You Know Dishwashers Use a Lot Of Hot Water -- It just might be a better idea to wash those dishes the old-fashioned way. Did uyou know washing your clothes and dishes when the machines are just half full costs the average American household $700 to $900 in added utility fees each year.
  
  Dryer -- Your dryer uses less energy if you dry groups of clothing one immediately after another. You save energy because your dryer is already hot and does not have to waste time heating up again.
  
• Wage Garnishment
  Wage Garnishment
  
  A writ of garnishment is an order granted to a creditor by a court. It orders an employer to garnish the wages of the defendant by a certain amount each paycheck. Such a writ is only granted after the creditor has filed suit to recover a debt and received a favorable judgment. This can not be granted without a judgment, as every American is guaranteed the right to due process. So, unless your creditor has sued you and won, do not worry about your employer receiving such a writ and the creditor garnishing your wages.
  
  A writ of garnishment not only states the amount to be garnished from a person's paycheck; it also provides instructions as to where the amount taken from the paycheck should be sent as well. If your employer receives a writ of garnishment, they then have no choice but to do as he has been instructed no matter how much he may not want to do so. An employer who refuses to do as the writ orders could face serious legal trouble himself since he is disobeying the order of a court of law.
  
  How to Avoid Wage Garnishment
  The best way to avoid having your wages garnished is to avoid being sued in the first place. So many consumers go into denial mode when they can't pay their debt and try to hide from and avoid their creditors by ignoring correspondence and phone calls. Just contacting your creditors, telling them why you can't repay your debt, offering a reduced monthly payment and keeping them informed of your financial progress, is a much more effective way to handle debt problems and avoid writs of garnishment and -- if you deal openly and honestly with your creditors you won't jump every time the phone rings or lay awake at night worrying. Creditors spend a fortune on collection costs and are motivated to avoid lawsuits, therefore, both you and your creditor benefit by communicating and working out a payment plan which a debt consolidation company can assist you with. Debt consolidation can help you get out of the debt your in and get you on the right track to financial freedom.
  
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  Can my friends, neighbors and relatives be contacted by my Creditors?
  The answer to this is Yes they can, a debt c