Beverly Loan Company Partnering to Make Loans Against Motor Vehicles

Beverly Loan Company, often coined as the "Pawnshop to the Stars," has announced a new partnership that will allow its clients to receive VIP treatment from the industry leader in pawn loans and title loans against cars, trucks, motorcycles, and boats. Since 1938 Beverly Loan Company has been the premiere collateral lender for gold and platinum jewelry, diamonds and colored stones, fine watches, modern and contemporary art, and sports and entertainment memorabilia, but has only recently begun facilitating loans against motor vehicles.

Beverly Loan Company regularly assists those who find themselves in a cash crunch or perhaps find themselves with a potentially lucrative opportunity that requires liquidity. Many of Tabach-Bank's clients have vehicles that they can pledge as collateral to meet those immediate needs, but they are unwilling to leave their keys with just any lender.

"We noted an increasing number of inquiries from our clients for auto loans, particularly against high-end cars such as Porsche, BMW and Mercedes, so we arranged for these requests to be serviced by the best in the business," said Jordan Tabach-Bank, CEO and owner of Beverly Loan Company. Motor vehicles are the most recent addition to the list of assets that may be used as collateral for a short-term nonrecourse pawn loan.

Automobile loans are a very specific area of expertise, so Beverly Loan Company decided to partner with the most experienced when it comes to auto pawn and title loans. While most of the inquiries that Beverly Loan Company has received have been for classics, luxury and exotic cars including Lamborghinis and Bentleys, all vehicles will receive an offer, no matter the make, model or mileage.

In its first week offering this service, Beverly Loan Company was able to facilitate a loan against a 2011 Range Rover and a 2013 Ferrari 458, which was originally purchased for upwards of a quarter of a million dollars. "The Ferrari client had borrowed many times in the past against his Patek Philippe collection, but he needed some additional cash and he appreciated the discreet white glove service that we were able to provide including a convenient visit to his home to inspect the collateral and initiate the transaction," explained Tabach-Bank.

Beverly Loan Company has catered to socialites, businesspeople and celebrities in Beverly Hills since 1938, making confidential pawn loans from private offices on the third floor of the Bank of America building on the corner of Santa Monica Blvd. and Beverly Dr. Beverly Loan Company is frequently featured in the media, including appearances in the New York Times, Wall Street Journal, Los Angeles Times, CNN, E! Entertainment Television, and Good Morning America.

For more information, please visit www.BeverlyLoan.com.

Sterling Currency Group Adds New Website Features to Buy Iraqi Dinar

Sterling Currency Group / DinarBanker, the #1 Iraqi dinar dealer, has added more robust features to its website for customers who sell and buy Iraqi dinar and other exotic currency.

Sterling Currency Group / DinarBanker recently added new features to its website for customers who buy Iraqi dinar, Vietnamese dong, Indonesian rupiah and other exotic currencies.

Some of the newest website features are:

- Simple order form can be used for all currency orders

- Easy access to order and payment information on a personal dashboard

- More robust Customer Support Center with updated information

- eCheck payment is available for layaway, final and full purchase payments

"Sterling is committed to continually improving the customer experience for buying Iraqi dinar, Vietnamese dong, Indonesian rupiah and other currency. These new features will make it even easier for customers to place orders, pay for and track their currency," says Chief Operating Officer Frank Bell. "As always, excellent customer service is our number one goal."

Sterling Currency Group / DinarBanker offers a variety of programs for buying Iraqi dinar and other currency, including:

- Full Purchase: Make a full purchase through a single payment

- Sterling 45 Layaway: Rate locks with only a 5% deposit and up to 45 days to pay the balance with Free Shipping. No currency ships unless order is paid in full.

- Guaranteed 30 Layaway: Rate locks with a 10% deposit and up to 30 days to pay the balance. Currency is guaranteed if the customer makes a payment.

- Guaranteed 90 Layaway: Rate locks with a 10% deposit and up to 90 days to pay the balance in 3 easy payments. Currency is guaranteed if the customer makes a payment.

Sterling offers customers many excellent choices when it comes to paying for their dinar or other currency. Customers can pay by eCheck, wire, mail or COD. With the Sterling Loyalty Program, customers receive loyalty credits at a rate of $30 per $1,000 spent on any currency order type, making dinar prices the most competitive in the industry.

Sterling Currency Group / DinarBanker has been in business as an Iraqi Dinar dealer with an outstanding reputation since 2004 with a BBB rating of A, and is a registered Money Service Business with the United States Treasury Department. It is licensed either directly or through agent relationships in every state that requires currency exchangers to be licensed. The company has extensive capital resources and is committed to providing the best and most reliable customer service in the industry.

From service to pricing, from transparency to regulatory compliance, Sterling Currency Group / DinarBanker sets itself apart from competitors in every way.

For more information on Sterling Currency Group, visit http://www.sterlingcurrencygroup.com/ or call 888-346-2771.

What Do Credit Counselors Do?

Why Choose a Non Profit Credit Counseling Agency

Individuals who are living under a mountain of credit card debt can benefit from the different services provided by credit counseling agencies. But when it comes to choosing an agency, it is important to understand the differences between those that are for profit and those that are non-profit.

To many people, agencies that are for-profit can seem very appealing on the surface, especially in times of extreme financial desperation. Credit counseling agencies that work on a for-profit basis often claim to offer instant solutions to repair credit scores as a means of luring in new clients who feel they have nowhere else to turn and no other options to get themselves out of debt. But when it comes to claims of quick-fixes to your credit report: buyer beware. Most people don’t bury themselves in debt overnight, and there are no services that will repair debt overnight either. Quick-fix scams not only do not work, but they also come with a number of hidden charges and fees that tend to get their customers into even deeper financial trouble. Working with for profit credit counseling agencies is a lose-lose scenario.

When looking for credit counseling and other debt-related services, always choose a non-profit agency. Instead making false claims and using hidden fees for financial gain, agencies that are not for profit put their clients’ needs first. Not only do they provide reliable services to help their clients get out of debt and repair their credit, but they also provide education and come up with individualized action plans to help their clients make sound financial decisions to avoid problems with debt now and in the future.

Some of the services that can be found at a non-profit credit counseling agency include budget management, debt consolidation, credit counseling, and bankruptcy counseling. No matter what, it is important to remember that getting out of debt is a process that does take time, and individuals seeking services from a non-profit credit counseling agency should always have realistic expectations about the process and understand that it can vary from situation to situation.

For more information on non profit financial counseling and other services to help get you out of debt, look for an agency that is accredited by the National Foundation for Credit Counseling. NFCC agencies must adhere to a high set of standards to ensure the individual needs to clients always come first.

Sterling Currency Group Expansion Places Company as Market Leader in Currency

Sterling Currency Group, LLC, an American owned and operated global currency dealer, has expanded its currency offerings to provide opportunities to customers who do not have direct access to the currency exchange markets. Sterling specializes in the New Iraqi Dinar, Euro, Japanese yen, Vietnamese Dong, Chinese Yuan, South Korean Won, and Swiss Franc and is continually adding to its roster of currencies. Sterling continues to grow its business by offering more payment options, an expanded social media presence, and competitive pricing, along with the best customer service in the industry.

Popular investment choices gold and silver will soon be added to Sterling's offerings as well as additional emerging currencies that are difficult to obtain. "We are always looking for ways to increase our currency offerings for our customers," says Chief Operating Officer Frank Bell, "but customer service remains our number one priority. It's what sets us apart from the other dealers."

The highly successful Sterling Gives Back charity program, which was initiated in December 2011, continues to have a great impact. To date, Sterling has donated $25,000 to worthwhile charities voted on by customers and will donate an additional $40,000 by the end of the year. The donations are customer-directed, and $5,000 is awarded to a deserving charity each month. Sterling's Chief Operating Officer Frank Bell recently participated in a 50-mile charity bike ride to benefit disabled veterans, and Sterling has pledged $100 per mile. "At Sterling, we are fully committed to giving back and including our valued customers in the decision-making process," says Mr. Bell.

Sterling Currency Group, formerly Dinar Banker, has announced the implementation of two Iraqi Dinar layaway programs. Convenient payment methods include COD, mail, wire transfer, and eCheck. To order new Iraqi dinar, Vietnamese dong, or other currency, simply go to http://www.sterlingcurrencygroup.com.

As Sterling increases its market share of the currency trade, it continues to provide customers with the opportunity to deal with a company that is licensed, has an A+ Better Business Bureau rating, and is fully compliant with government and industry regulations.

Media Contact: Frank Bell Sterling Currency Group 1-888-346-2771 frank@sterlingcurrencygroup.com

Web site: http://www.sterlingcurrencygroup.com.

Find Auto Leads that Gives Higher Rate of Conversion

Sellstructured-Settlement.com Announces Annuity Payment Sales In Just Three Steps

Sell Structured Settlement, as the name suggests, is a firm that helps the clients to receive cash when they sell annuity payments or structured settlements. They have started three easy steps to help the clients to receive cash by selling their structured settlements.

The first step requires a client to contact the team of the company who can call up a toll free number or use the Fast Quote Tool, which is available in the website

.

In the second step, the client needs to select his or her preferred option. When a client contacts the company, they dedicate a consultant for his or her assistance. The consultant works closely with the client so that a perfect plan is provided that exactly matches with the financial goals. The consultants also make sure that the client receives maximum cash on that day itself.

The third step is the disposal of money. It means that the client will receive cash fast on the day when the sale of annuity or structured settlement payment is conducted. The whole process is fast, which makes the clients happy and this is one of the reasons for the success of

.

The company makes sure that enough research is being conducted on different settlement buyers. They also ensure that the buyers are members of the Better Business Bureau. A spokesperson of the company says, "There is no need to involve with a fly by night company. It is important to work with a direct purchaser, else the brokers will add layers of charges during the process."

He adds, "Annuity buyers must provide some sort of discount that is less than the loan rate provided by a bank. Buyers may need higher discount for making profit or to cover the risk involved in the process. Thus, it is important to consult an advisor to learn about the transaction's pros and cons."

"Structured settlement buyers may opt for several ways to buy so that a seller can sell different amounts of annuity. It is essential to tailor these adaptable plans as per the individual's requirements and this is what we do," says the owner of Sell Structured Settlement.

To know more about the company, visit http://www.sellstructured-settlement.com/

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Prevent Home Foreclosure by Seeking Online Budgeting Advice

Repair Your Credit Report the Right Way

You have likely seen "Repair Credit Score" signs recently that promise to improve your credit score for a few hundred dollars. However, many people have reported these repair credit score

companies to the FTC as scams. If you hope to repair your own credit score in a legitimate manner, there are certain steps that you can follow to complete this goal.

The first step to repair your credit score is to see where you currently stand. You have the right to receive one free credit report each year from each of the three main credit bureaus. Many people question, "Where can I see my credit report?" You can receive a credit report from annualcreditreport.com, but you will likely need to pay a nominal amount to receive your credit score. Other websites offer credit reports, but they are usually attached to a credit monitoring service that you must pay for.

Analyze your credit report for any errors. According to statistics, three out of every four credit reports have errors on them. While some of these errors are minor, many of them can cause your credit score to be lower. Check for duplicates of the same information and any accounts that should be off your credit report by this time. Also, check for incorrect addresses or slight changes in your name for potential signs of identity theft. If you notice any material changes, write a detailed letter to each credit bureau with the pertinent information and attach any evidence that will support your version of events. Under federal laws, the credit bureau must report this information to the creditor and conduct an investigation at your request.

Set a budget that your household can stick to. This budget should set limits on the amount of money that you spend on food, entertainment, household repairs, gifts and fixed expenses. After you establish this budget, you may find that you have more expenses than you are used to. If you do not know how much money you typically spend on certain categories, begin tracking your expenses to get a better idea of your spending habits. You may need to trim your expenses or increase your income if the current amount of your expenses is too close to the amount of your monthly income. Seek professional budget advice to receive tips on improving your financial situation and your credit score.

Don't Let A Divorce Ruin Your Credit Score

Don't Let A Divorce Ruin Your Credit Score 

Various life events can affect a person's credit rating. Couples plagued by debt during and after a divorce should seek assistance from a non-profit credit counseling service. Knowledgeable financial counselors assess their financial situation and offer available debt management options. 

How Divorce Affects Credit Ratings 

One less income in the household greatly affects one's budget and the ability to pay monthly bills. Tough decisions must be made to pay only the most urgent or necessary debts such as utilities, daycare, or mortgage payments. Nonpayment or late payments are reported to the credit bureaus which affects one's score. 

Nonpayment of accounts may lead to liens placed on the home, garnished wages and daily calls from collection agencies. Low credit scores decrease the chance of being approved for a new home, apartment, credit cards, bank loan, cell phone, or vehicle. 

How To Take Control Of Your Finances 

It is important to be aware of all creditors and balances by requesting a free credit report from all three credit bureaus. Paying off accounts with the lowest balances allows those in debt to concentrate on other bills. If funds are not available but the amount due is not too high, making regular monthly payments on time will help whittle down that balance. Closing all joint accounts and refinancing also helps lower payments and future charges. 

Those with overwhelming debt in the thousands should seek help from a reputable credit counseling service. A consultation should be scheduled during the divorce process instead of waiting until after the proceedings are final. These financial experts assess the situation taking into consideration debts incurred and income to determine the best course of action. 

What Financial Counselors Can Do 

Debt management counselors offer options such as filing for bankruptcy or debt settlement. For the latter, this company negotiates with creditors to achieve lower interest rates for more affordable payments. Monthly payments are made to this company to disburse to these creditors by the due date. Debts can also be renegotiated and consolidated into one affordable payment which is made to the financial company each month. The amount paid is for a loan obtained to pay the consolidated amount. 

Deciding to hire a non-profit credit counseling service is a way to get back on track financially by aggressively taking control of one's finances. They also offer helpful tips and advice on budgeting, paying bills one time, and preventing overwhelming debt in the future.

Selecting the Right Credit Counseling Service in California

How to Choose a Credit Counseling Agency

How a Debt Management Plan Works

It is not uncommon for people to struggle with high amounts of debt for months and even years before they seek out the debt relief they need. If you have high amounts of unsecured debt in the form of credit card balances, medical bills, and more, you may have realized recently that paying the minimum required payments on these debts does not result in a rapid decrease in your balances. This is because high interest charges coupled with other fees like annual charges, late fees, and more all combine to keep balances high. Others who have had the desire to get out of debt have enjoyed excellent results by following a debt management plan.

So just what could a debt management plan accomplish for you? This type of plan is designed to help you better manage the debt load by restructuring your outstanding balances on lower monthly payments. Often, a lower interest rate is applied to the outstanding balances as well, as this results in greater payoff of the principal balance despite paying lower payments each month. The overall goal is make payments lower and easier to manage today, but also to make those payments more effective so that you actually can get out of debt in a faster period of time. 

Developing a Plan Suited to Your Needs

So many millions of people today are struggling to make ends meet and are barely managing to pay minimum monthly payments on their debts. It would be nice if there was a single plan that everyone could follow that would provide great results. However, each person is facing their own unique financial situation, and that situation is comprised of a combination of debt balances on different accounts, other monthly obligations they must pay for, and a certain income level, too. Since no two situations are the same, the fact is that developing a customized debt management plan for your own needs and situation is necessary. Some people are able to make adjustments to their budget to free up cash that can be applied to debts. Some will obtain a debt consolidation loan on their own their local bank. Others, however, need guidance in this process, and they may need help locating a consolidation loan or debt settlement services to better manage their debts. Often working with a debt or credit counselor can help individuals develop a plan that best meets their needs.

It can be a real challenge to pay off unsecured debts like high interest credit card accounts and medical bills. Often, it is necessary to develop a plan of action to best tackle this debt. If you need assistance developing a plan, seek out the help you need so you can get started paying off your balances more effectively.

Debt Problems? Consider Consulting a Non Profit Debt Counselor

Debt comes in many forms, and many people can comfortably pay their auto loan and home mortgage payment without issue. Yet many people today struggle with other debts like high interest credit card accounts medical bills, and more. These extra expenses can really weigh down your budget, and at times it can be a struggle to pay even the minimum required payments on these accounts. It is common for those in buried in debt to feel as though their solution is hopeless, and if you are in this situation, you may even be considering filing for bankruptcy for debt relief. However, before you take this step, you should first seek budget and credit counseling from a non-profit organization.

Many times people heavily in debt simply cannot see the light at the end of the tunnel. They are concerned with their present financial issues, which often includes how to pay for certain bills this month or how to make ends meet until the next paycheck arrives. By working with a non-profit budget counselor, however, you can receive expert guidance that is customized to your own financial situation. A counselor will review your income level, your debts, and your other monthly expenses with an objective eye. The service provided may include budgeting tips that can help you find ways to reduce your expenses. It may also help you to find ways to better manage your debts so that the payments are lowered and the debts are easier to pay off over time.

The Benefits of Counseling

Will budget and credit counseling solve your financial woes? The fact is that this service can provide some immediate relief to your budget. Through the expert guidance and advice of an experienced counselor, you may learn about ways you can reduce your monthly expenses today for immediate improvement in your cash flow situation. In some cases, a budget counselor may recommend debt management solutions such as settlement of debts or debt consolidation loans. These will not eliminate your debt overnight, but they can help you to better manage your debts, and they can help you to pay your debts off more quickly and easily, too. However, if you are burdened by a heavy load of debt, you will have to work hard to pay your debts off and change your current lifestyle if you are serious about regaining control of your finances.Budget and credit counseling often provides those who are struggling with a heavy debt load to learn more about the options available to them for debt management, and it provides expert budgeting advice and strategies, too. Often, counseling sessions with a debt and budget expert do provide people with the tools they need to turn their financial situation around. If you are struggling with debts today, consider seeking out the help you need from a non-profit debt and budgeting expert.

Lose Your Debt Monkey with Credit Counseling

Student loans. Car payments. Credit card debt. Call it what you want, but that debt monkey sitting on your back isn’t going anywhere unless you take action.

One of the first steps toward taking control of your debt monkey is to figure out where your money goes each month. Make a list of all necessary monthly expenditures first. Add up the cost of things such as your mortgage, insurance costs, gas and grocery bills. Next, start taking note of daily leisure or other unnecessary expenses like trips to the movies, new items of clothing, and even your daily cup of coffee. Compare these expenditures to your monthly income. Expenditures should not exceed how much you bring in each month. If they do, it’s time to start making cuts. Start with your “unnecessary” list. These items are the easiest to eliminate. Next, look at your necessary expenses and see if there are any other ways to cut down on costs, such as perhaps trading in your car for a cheaper model, or editing your grocery list each week and avoiding items such as costly snacks.  Although it may seem difficult at first, sticking to a monthly budget is incredibly important if you want to lose debt monkey.

Once you have your budget in place, you’ll need to start putting as much money as you can toward your debt. Focus on your high interest loans first. These will generally be your credit card debts. Be sure to pay them on time and make every effort possible to pay more than the minimum each month. Depending on how high your interest rates are, paying only the minimum could mean that you are only paying interest, leaving you in a vicious cycle with no results.

For more guidance on how to take the steps necessary to get rid of your debt monkey, contact a non-profit credit counseling agency.  Through credit counseling, you and your counselor will assess your finances and your situation to come up with the best possible plan to get you back on track financially. Together, you and your counselor will compare your earnings to your expenditures, create a budget and prioritize your debts.  Depending on your situation, your credit counselor might also suggest a debt management program. In this case, your credit counselor can negotiate the terms of repayment with your creditors and even consolidate your credit card bills into one manageable monthly payment, rather than trying to juggle multiple payments.

For more information on a plan that is right for you, contact a non-profit credit counseling agency for more information today.

Non-Profit Credit Counseling Can Offer Hope to LA Residents

Living in Los Angeles can mean a life of sunshine, excitement and glamour. It can also mean a life of debt. Though living in LA is a dream for many, reckless spending and high costs of living can turn that dream into a financial nightmare.

A salary of $60,000 or even $50,000 a year can get you a rather comfortable lifestyle in most places across the United States, but with the extremely high cost of living in Los Angeles, it won’t take you very far. Consider the cost of rent alone. For a standard apartment in a safe neighborhood, LA residents pay an average of $2,000 per month without a roommate. Factor in the cost of groceries, entertainment and transportation, and it doesn’t take long for your paycheck to disappear before your very eyes.

For LA residents who want to keep up with the “LA lifestyle”, living paycheck to paycheck can throw a wrench in the LA dream. The desire to life a life of glamour can lead to serious credit problems, as residents open lines of credit to finance new home furnishings, clothing and even automobiles. Before long, living in LA can have you also living under a mountain of debt.

If you are one of the many struggling residents of Los Angeles consumer credit counseling can give you the help you need. But be careful of the many bogus debt relief claims circulating the city.  A number of for-profit debt relief agencies are known for false advertising and even claiming they have the support of the government. However, consumers should be aware that there are currently no government programs available to help people out of credit card debt.

To be sure you are getting professional, honest help managing your debt, seek the help of a non profit credit counseling agency. Agencies that are not for profit always have your best interest in mind and put your needs first. Counselors at a non-profit organization can help you get control of your finances and pay down your debt in a shorter, yet realistic time frame. Your counselor will assess your current financial situation in order to devise the best plan of attack specific to your needs. They will help you cut costs, set budgets, and work on a payment plan that fits your financial capabilities.

Residents of LA who are struggling with debt can find hope through credit counseling. Through time, patience and goals, your credit counselor can help put you back on the path to financial freedom.

Avoid Home Foreclosure

While none of us can foretell the future, it is important to understand how to avoid home foreclosure. Not only can foreclosure have a devastating impact on credit but homeowner's can lose thousands of dollars in home equity in their homes. Here are some of the best options to avoid home foreclosure.

Once a homeowner has missed a mortgage payment, their lender will likely be in contact with them. While some may feel that it is best to ignore mail or telephone calls, this should be avoided at all costs. Homeowner's should keep in mind that a lender has no vested interest in beginning

proceedings on a home. Lenders are not in the business of owning real estate, they are in the business of lending money. Accept calls from the lender, speak with their loss mitigation department and see if it is possible to work out a repayment plan.

For some homeowners, there may be options to catch up on late mortgage payments by tapping into other financial resources. Some potential options include borrowing from a 401(k) plan, borrowing against an existing life insurance policy or borrowing against another property such as a vacation home or investment property. When negotiating with lenders does not work, these options should be explored. Before borrowing against any other asset, it is crucial that you carefully review any loan documents and be aware of all consequences including tax consequences.

There is a possibility that in order to avoid

, a homeowner may be able to sell their home. This may be a simple solution that can be accomplished by listing the home with a local real estate professional, or by making the decision to do a for sale by owner sale. Before taking this path, the lender must be notified of any intent to sell if the legal process has begun. If the lender has already started the foreclosure process, this may not be an option.

While none of us wishes to think about losing our home, it is impossible to predict the future and what could happen. Whatever the case, understanding the various options available can help a homeowner prepare better for the future. Home ownership is a serious commitment and one that comes with great responsibilities. Being prepared for any possibility makes good sense and can help many avoid future problems.

Benefits of hard money loans

Hard money loans come handy for anyone who wants to own a home or property. Banks and top financial institutes reject a person with a bad credit rating, but hard money lenders California provides easy loans for commercial or residential purpose. Limitations of hard money lenders are not as stringent as banks, however hard money lenders ask for a guarantee for the loan provided. One can provide the asset documents in order to get a loan from hard money lenders.

There are plenty of benefits one could enjoy from hard money lenders and here below we can see some of the tops benefits.

Easy procedures

Hard money loans are comparatively quiet easy when compared with loans of banks and financial institutions. You needn’t wait for long days rather you can get it within minutes. Banks usually follow various formalities which may take number of days to get loan, unfortunately they may deny your application if you are not qualified to get loans.

Highly useful for commercial businesses and real estate investors

Hard money loan is usually called as real estate investor’s friend as one can easily get loans for their real estate investment needs through them without difficulty. They are ready to provide loans for anyone, business men can easily get loans to develop or expand their business.

There are countless professional hard money loans lenders like hard money lenders California who help your business to come out of the financial difficulty. Hard money loans come handy to meet any risk in your business.

Understand Bankruptcy Before Filing

For people living with a tremendous amount of debt, bankruptcy can be very tempting and may seem to be the only option. Filing for bankruptcy will pull you out of debt and provide some relief, but there are consequences to filing as well. Bankruptcy damages your credit score and puts a large black mark on your entire credit report, and therefore has serious negative consequences if you need to apply for a loan again in the near future. Lenders will likely immediately dismiss your application for a loan once they see that you have filed for bankruptcy, as they fear you are not creditworthy and have a history of being unable to repay loans. Bankruptcy does not stay on your record forever, but it does remain for seven years.

It is important to keep these consequences in mind if you are considering filing for bankruptcy, and it is not a decision that should be made alone. Seek bankruptcy filing advice from a reputable non-profit credit counseling agency that offers a bankruptcy education course. For people considering filing bankruptcy, this is critical as pre-bankruptcy counseling is required by law before filing can occur.

Through pre-bankruptcy counseling, trained credit counselors can help assess your individual situation to help you determine your best course of action. Counselors are unable to offer legal advice, but they do provide education on current federal bankruptcy laws – including the different types and chapters of bankruptcy – as well help you explore all other options that may be appropriate and available to you instead of bankruptcy.

For some people, a debt management plan can help eliminate debt and put finances back on track without resorting to bankruptcy. Under a debt management program, your debts are consolidated and you make one monthly payment to your credit counseling agency, who then divides the payment to your different creditors. Not only does this ease the burden of making multiple payments each month, but counselors will work on your behalf to negotiate lower payments at lower interest rates to help you get out from under your debt in a more manageable way.

However, debt management may not be appropriate for everyone. For others, bankruptcy is, in fact, the best option.

Regardless of the debt relief that is right for you, trained, compassionate credit counselors at a non-profit credit counseling agency will put your needs and best interests first and devise a plan that is right for you.

Consolidate Debt In Florida

Ultimate Guide to Pension Transfers for UK Expats

If you are looking for the ultimate guide in how to reduce your tax contribution to the UK government as a UK expat you have come to the right place. Not only can QROPS Specialists maximize your pension and minimize tax relief for UK expats, but also help out UK residents condsidering living or retiring abroad in the future.

help UK expats avoid the UK tax man and maximize their pension pot in the process. Even non-UK residents who have worked in the UK can avoid UK taxes though a pension transfer via a QROPS. For example, a U.S. or Australian citizen who has worked in the UK for several years and has built up a substantial pension pot may be better off by tranfering their pension to a Qualifying Recognized Pension Scheme (QROPS) in order to avoid UK taxes.

A QROPS can avoid UK income tax (which can be up to 50% for higher rate tax payers), capital gains tax (up to 28%), dividends tax and inheritance tax (up to 40%). In the UK, most private pensions are now subject to a tax upon death which equates to 55%. This means that if you die, your spouse gets less than half your pension. the beauty of a QROPS pension transfer is that your pension is fully protected from these taxes. Not only do you avoid UK income tax, capital gains tax (CGT), dividends tax and inheritance tax (IHT), but if you die, the entire pension pot gets passed to your nearest and dearest. Furthermore, you can decide exactly who receives your pension and in what proportion. You decide not only the beneficiaries, but the amount that they will receive.

Ultimate Guide to Pension Transfers. Lowest QROPS Fees

So, which QROPS trust company should you use to transfer your pension? Well, it will depend on several factors, including:

- your age and date of birth

- the type of pension you hold

- where you live now and where you wish to retire

- your residency status in the country you live

- the amount of your pension

- whether your pension forms part of a divorce

- if you are drawing a pension already; for example, if you have bought an annuity already, a QROPS pension transfer is not allowed - the type of access you require for your pension

- the flexibility of your pension: do you need multiple investment vehicles or do you need to hold commercial property?

QROPS Specialists can find not ony reputable, low cost QROPS companies which have low fees for your pension transfer, but we have found, through experience, the companies which have fluid administrative departments to ensure your pension is managed properly.

We will also find the correct QROPS jurisdiction to maximize the tax relief on your pension as well as provide the most protection for current and possible future tax changes in the relevant country where your QROPS will be held.

Ultimate Guide to Pension Transfers. Higher Rate Tax Payers and Tax Relief

For higher rate tax payers with or without multiple properties, we can help reduce your liability to UK tax to an absolute minimum. In many cases, you will not have to pay the UK tax man anything in regards to your UK pension(s). New QROPS rules in the Isle of Man (the IOM 50c rule) means that you can now get access to any frozen pension(s) you may hold and unlock them. Not only will you be allowed access to 30% as a lump sum. But, you will be allowed 100% of any increase in the value of your pension pot as a lump sum after the QROPS pension transfer.

For those with large pensions and multiple properties, this means more investment freedom. You can then use part of your pension for future property or other asset purchases whereas normally your monies would be tied into providing you with a pension income. This investment freedom is invaluable for the wise investor. QROPS Specialists can guide you to choosing the right QROPS structure with the lowest fees and best administrative back up.

Ultimate Guide to Pension Transfers. QROPS Benefits

In summary, QROPS specialists can help you legimately avoid the Inland Revenue as well maximize your pension pot. Here are some of the benefits of a QROPS pension transfer:

- Avoids UK income tax

- Avoids UK capital gains tax (CGT)

- Avoids UK dividends tax

- Avoids UK inheritance tax

- Avoids UK death tax on pensions

- Allows currency choice. You can move your pension into GBP, EUR, CHF, AUD or USD. So, if you live in Spain, you can move your pension into Euros to avoid currency fluctuations to protect your pension.

- Investment freedom: You can choose a low risk pension with capital protection to secure your pension, whilst offering a higher rate of interest than that offered by the banks or take some more risk if you are younger and gain access to emerging market equities, gold, silver, oil and gas funds as well as commodity funds in order to maximize your pension pot.

For expert advice, please contact QROPS Specialists at: info@qropsspecialists.com

or see the web site

Ultimate Pension Transfer Guide for UK Expats by QROPS Specialists.