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I Can't Pay My Credit Cards!

nmenninger — Mon, 13 Oct 2008 20:31:22 +0000

Remember the old story about the poor farmer who broke into his doctors office to steal medication for his dying daughter because he couldnt afford the medication? The debate around this had to do with ethics: Is it okay to steal to save the daughters life? Is it right for the drug companies to charge extremely high prices for a prescription? Should the farmer be imprisoned? Is he justified in stealing?

A similar parallel exists today with credit card companies and us consumers. Shouldnt it be illegal for the credit card companies to charge us 18%, 20%, even 30%? How are we supposed to get out of debt if all we are able to pay is minimum payments each month? If youre a 700 credit score and you think you have a low rate, I advise you to check your statement the next time it comes in the mail. Your credit card company can raise your interest rate on a whim; and if you dont believe me read the fine print. As consumers we are expected to be in debt our entire lives.

We all want to live more than paycheck to paycheck. We all want to not work to just pay our interest on our cards every month. We all want more disposable income. We all want that nest egg. We all want the credit card companies to reduce their interest rates and play fair so we can move forward in our lives. The fact of the matter is that despite all your begging and pleading, they wont; and why would they? Their pockets are getting fatter by the day thanks to us.

So how do we get off this nightmare of a merry-go-round? What will happen if I stop paying my credit cards and tear them up?

First of all know that there is no such thing as credit card jail. However there are repercussions:

Collection and Creditor Calls: You are going to be harassed day and night with calls up to 5, even 10 times a day. Your relatives, friends, and workplace could be contacted to find out where you are. It wont be pleasant but you do have rights and they are protected by the FTC (Federal Trade Commission). For more information look up the Fair Debt Collection Practices Act.

Credit Score: You credit score will be affected. Late payments will be reflected on your credit report. If you let it go for sometime, collections and charge-offs will appear on your credit report. These can be removed once debt is paid or settled.

Legal Action: Depending on what state you are in, you could be garnished. You could have an aggressive creditor that takes you to court and imposes liens and/or judgements. Though the latter can happen, most creditors will sell your debt to a third party collection company simply because its economical for them to do so rather than seek litigation.

Side Note: If you have a moment I recommend watching (and simply type this into a search engine and youll find more than a dozen links) the PBS Special: The Secret History of the Credit Card. Youll be floored by not only how we got hooked on credit, but the methods used by credit card companies to earn enormous profits..

Though the repercussions are scary. The good news is that there are legitimate companies out there working with your best interest at heart and who can not only handle these for you, but legally wipe your debt clean and have you free of your creditors. Just like in anything else though, do your research and talk to several firms before enrolling in any program.

audio conferencing services for conference calls....

swathin2 — Mon, 13 Oct 2008 10:08:09 +0000

Since starting of audio conferencing services, technology has changed much in terms of conference calling. Previously it was like a max of 5 to ten people can participate in the conference calling but now the audio conference calling will enable to have conference with how many people we want. There is no limit to the number of users participating in the conference call.

If we take a look at the vast majority of conference service providers (CSP) out there we find one thing in common. Dialing into a conference bridge is required to join a call that is not already in progress. By this I mean there are very few services that offer scheduled call-out as an option when setting up a conference call. Only few companies provide you with the option of having both dial in and dial out facility.

The conference calls today became reservation less as there is no need for the concerned party to inform to the service providers before having the conference calls. You will be provided with the concerned keywords and the dial in numbers for making a conference call and you can make the conference call whenever you want as the lines will be kept open to you always.

Here are some tips for successful audio conferences:

· distribute the agenda and discussion/presentation materials for meetings,

· Send a reminder to the participants the day before the call to confirm their participation,

· at the beginning of the conference, make a roll call to make sure that all participants know who are audio conferencing,

· remind participants to identify themselves when speaking,

· call everybody by name when speaking,

· Speak clearly and avoid side conversations and background noise as much as possible (use the "mute" option).

Have a question? Are you ready to bring forward-thinking conferencing solutions to your business? Get in touch. We look forward to serving all of your conferencing needs. Check with this for more information:

www.eagleconferencing.in

Selecting a Phone Card.

masterbell — Thu, 09 Oct 2008 18:10:09 +0000

Selecting a Phone Card.

How do I find the best phone card for me?

A card with the lowest rate is not always the best one! Read the description for each card (Details).

- For a short term use the cards with the lowest rates are recommended

(usually they have weekly maintenance fee).

- For a long term use we suggest the cards with NO or Low maintenance fee.
- Check cell phone rates if you are going to call to a cell phone number.
- Pay attention if a card has Local and Toll Free Access Numbers.

Rates are usually higher when you use a Toll Free Access Number.

See card's details to find Local Access Number in specific area.
- If you are a First time buyer, try to make your first purchase during Customer Service business hours.

Call Customer Service for assistance if you have any questions or problems.

What if I call few different countries?

You can usually use the same card for any domestic or international destination.

After you select the desired destination you'll see the cards ranked according to the best rate.

For several destinations check the rates for each destination and buy an appropriate card.
A card with the best rate to one country can still have low rates to other countries.

Can I purchase a card to call to the USA from overseas?

Chopin, TravelGlobe and AT&T are the best cards for calling from foreign countries to the United States as well as from one foreign country to another. Please see details for these phone cards online.

For how long is my card valid?

The expiration period on our phone cards vary from 3 months since activation (first call) to unlimited expiration period(Permanent PIN) (at least one refill in 10 month required). Please view card's details for information regarding specific card.

Credit masterbell

Have a question regarding audio conferencing services!....

swathin2 — Tue, 07 Oct 2008 06:11:16 +0000

The user interface for the conference call service is new, fresh, bright and cheery. It features a complete newly-designed user interface that doesn't look like other application. It's more like a dashboard, giving you control and access to everything. Audio conference calls also include some other features like:

Caller visualization: listens name of the participant in real time as everyone joins, participates and leaves the call.
Intuitive conference controls: Participants can access conference controls, like muting a particular line.
Live chat: if any person is having a doubt in participating the conference call or the current features or the offers on conference calling then you can just log into the website and you can have the live support of the support team by which you can resolve any issue with ease.
Connectivity: The participating caller's can log into the conference by dialing in the phone number and entering the personal PIN, which seamlessly connects callers to every call from anywhere.
Recording of conference call: Moderators can record any call.

www.eagleconferencing.in

Audio conferencing services in a better means...

swathin2 — Tue, 07 Oct 2008 05:03:53 +0000

For audio conferencing, you need some dial up numbers. These numbers can be either local or long distance numbers. These services offer methods that can handle the dial up on long distance; each of them works a little differently and you have many types of packages to sign up for. Some of them are:

· Flat Monthly Fee -Unlimited Usage

· Dial In Facility/Dial Out Facility

· Usage Based Billing Packages

With this type of services there is neither a need to reserve a call or to make an installation or to have any special equipment for it. Just a basic telephone line is enough either a mobile phone or a land line connection.

Are you ready to enhance the productivity of your business? We are pleased to offer guaranteed service, when you sign up! In addition, all our services are offered on a month-to-month basis, allowing you to have total freedom. Whenever you need us, we’re here to help.

At Eagle Conferencing, it’s the little things that separate us from the competition. Contact us for teleconferencing solutions that bring your business together.

Dramatel is the Best/Worst

youtubereviewed — Wed, 24 Sep 2008 03:04:00 +0000

This is the best/worst thing we've seen in weeks. Seriously, how awesome is your product when you have to advertise it as "almost" illegal?

And why is this only "almost" illegal? You mean lying about your identity, masking your voice and secretly recording your phone calls only qualifies as "almost" illegal? What the fuck does a phone card have to do to be considered "totally" illegal? Maybe if they added a feature that shoved a knife in your cheating spouse's ear when he/she picked up the phone, they could finally secure the highly coveted "100% completely fucking" illegal designation.

Oh, and in case you couldn't tell, we totally want, like, 1,000 of these.

[via BWE]

Buy Dependable International Prepaid Phone Cards Securely Online 100% Guaranteed

danlandrum — Tue, 23 Sep 2008 21:58:33 +0000

Dependable Phone Cards & Calling Cards at best rates - Save up to 95% on your Prepaid Long Distance bills with International Phone Cards. Buy securely online, get instant PINs.

Airtel Launches its New Astro Chat

callindiafromus — Fri, 27 Jun 2008 12:13:34 +0000

Airtel CallHome launches Airtel Astrochat for its customers. It’s an ultimate guide to know what’s happening and what will happen in your Life from top Astrologers. Just dial 555 from your Airtel Phone cards and talk to our expert astrologers about life, relationships, career, health and all that you want to know. You can know about your future through other occult sciences such as Tarot Card Reading, Vastu Readings, Prem Kundali, Numerology and Panchang Online. Available in Hindi and English both, round the clock.

Phone Card Video

Peter — Sun, 15 Jun 2008 01:46:04 +0000

Even though I don't run around and find new phone cards and update my phone cards collection website, I'm still interested in prepaid/telecom news. So today, I found this interesting phone card, Ketchup Phone Card. I really want one for my collection! I don't know where I can find it for retail though.

I saw the ad here, and I think it's quite funny, although I don't understand a single thing it says (it's in Spanish)

This really stirs up my excitement to hunt this phone card down. And maybe once I get this phone card, I'll force myself to update my website :)