What Is the Best Advice If Your Credit Is Bad?

Many people find themselves in debt and more often than not, it is purely because they have fallen on hard times, not because they “have a problem with money”. I recently read about one woman who was left with the expenses of raising children with no help from their father who had left. She also had her mother and brother living with her, who were both unemployed and had to financially support them as well. She barely had enough money for food and basic essentials, so over the years, had accumulated debt through numerous ‘credit card increased limit offers’ and deals which she had been drawn into.

She was afraid. She didn’t have money to pay lawyers or debt counselors for their advice. She was afraid to answer the phone for fear of so many people she owed money to and even wondered whether she might be put in jail because of her debts.

Sound familiar?

Well the good news is, that there is no such thing as a “debtors prison”. It would not be in the interests of society to throw people into prison for misfortune. These are matters for the civil courts (if it comes to that) rather than criminal jurisdiction. This doesn’t mean that you won’t receive a court judgement against you and that a sheriff won’t come knocking one day, wanting to claim whatever he/she can of your possessions to offset the debt. But there are ways to avoid this also.

If your credit history is bad and you’re financially strapped, here is some advice that may help.

Firstly, compile a list of all bills and expenses you have. If you have credit card debt, summarize the balance, minimum payment amount and interest charges.

Now break your expenditure list into essential and non-essential payments. “Essential” means survival needs like food, electricity and rent or mortgage as the case may be.

Prioritise the “essential” things to be paid first. Anything left over can be distributed among the non-essential items. If a debt collector tries to harass you, don’t even think about using your survival money to satisfy them. The law is on your side here. If debt collectors become hostile or harass you, they are in violation of the law.

From now on, only spend money on essential things. If you have other people you’re taking care of beside children, they should be asked to contribute something towards living expenses. Or if not, perhaps they have a skill they can use to help save money (e.g. do repairs, mend clothes, run errands)? They may even be able to develop a hobby into a small money making venture, to supplement the family income.

Debt problems can be very stressful and if unresolved, make life a living hell. But you can take control by working out a plan and educating yourself about how the law works to protect your rights. Knowledge is power!

Signs You’ve Got the Best Divorce Lawyer

Your best weapon to a rather messy, contested divorce is a brilliant divorce lawyer. There maybe hundreds to thousands of them in the country but brilliant ones are few and far in between. So choose your divorce lawyer. He / she might be the only chance you have of wining your divorce case.

Needless to say, hiring a brilliant one is quite expensive. Talent and education after all does not come cheap. However, a brilliant divorce lawyer will give you the custody of your children, more than enough financial settlement, alimony, a quick divorce, and your fair share of divorce property. Also, if your divorce comes to court – a brilliant lawyer can bring you victory. Indeed, a brilliant lawyer is a must.

So what are the marks of a brilliant divorce lawyer?

Stellar resume

Educational background of your lawyer matters. His track record on winning cases and his overall experience as a lawyer are very important. He should have years of experience as a divorce lawyer and family law expert.

Personal traits – aggressive (to a degree) and creative

You would want to hire a go getter. Someone who is not afraid of taking bold actions but these bold actions must be preceded by much thinking and planning. So what you want is a lawyer that as a healthy mix of aggressiveness, fearlessness, and logic.

You also want a creative lawyer. Being creative means thinking outside the box and going beyond the norms to produce amazing, unexpected results. A creative lawyer is full of ideas (conventional or not). You will never reach a dead end with a creative lawyer. At least you’ll know that your lawyer will be able to defend your case whatever the circumstance.

If facing a divorce, we all want a successful resolution to it. The first step to achieve just that is hiring a brilliant lawyer. It would one decision you will never regret. If you are concerned with the payment, before hiring the lawyer, ask about his hourly rate. Also, be honest with your financial situation and evaluate whether you can afford the lawyer or not.

If you have your brilliant lawyer at hand, you know that the expensive payment is money well spent. It will pave the way for a successful divorce for you – by successful, think alimony, custody, child support, and ownership of your family home.

Men and Divorce – The Best Advice

Not all men are the same. The way your buddy feels about his divorce may not be the same way you feel about yours so taking advice from him may not be effective for you and you may feel lost even more. In taking divorce advice for men, keep in mind that you need to seek what best suits you and your situation. Once you hear the words of wisdom you’ve been waiting for, you can at last begin to accept and cope with the ending of your marriage.

Be True to Yourself

Acceptance of the divorce and how you feel about it is the first step towards recovery and moving on. Sometimes, men tend to maintain the strong image in them that they try to show the people around them that they are not affected. If you know deep down inside that this major life transition is hurting you, acknowledge this feeling. You do not need to shout to the whole world that you are upset, but it is important to take some time to admit to yourself your real feelings.

Have Someone to Talk To

Talk to someone you can trust and is a good listener like a friend or a family member so that you can confide your feelings. Counseling can also be helpful if there is no available person to talk to.

Think Before You Act

Men and women alike sometimes think that their sadness and grief about the divorce is an indication that they should reconcile with their former spouse. Before you attempt to call your ex-wife, you should first realize the root cause of your feelings. Is it because you really want to be with the person or is it because you are grieving over a loss? Grief because of loss will subside with time once you have accepted the end of your marriage.

Do Not Take Your Issues on Other People

Going through a difficult time does not give you the right to make it difficult for others as well and treat them in a mean way. If you cannot avoid displacing your negative feelings on others, the best thing to do is to either warn them that you are not in a good mood or try to stay away from them until you are relieved of your anger.

Be Careful When Dating

Some men start dating too soon. This is not a sign of being able to move on but a sign of trying to fill in your feelings of emptiness. As much as possible, do not get too involved in your first few dates because they are usually just for comfort or consolation.

Read Support Books about Divorce

Take time to read books about how to recover after divorce. These self-help books may provide you with enlightenment and inspiration to embrace this new chapter in your life.

Give It Time

Keeping yourself busy can be helpful. Focus on your work, your hobbies, or try to find new activities to do. Aside from the fact that it will help keep your mind off the painful experience you went through, it can also give you a chance to discover more positive things about yourself and your new life ahead.