Archive for December, 2011

Creditor Problems: Before, During, AND After?

Wednesday, December 21st, 2011

Today, the United States of America is known to all countries as one that gives the power, and liberties to an individual of any nationality and background, as well is a beacon of hope to those in other countries seeking freedom. However, one thing that those people do not usually get is that a recession is currently within the country, which can easily break down individuals as well as increase economic hardships on individuals from all different parts of the country. However, is there ever a shining ray of sun light at the end of the dark never ending tunnel?

Before the recession was truly deemed, “the economic recession of our time” people were generally already in debt. Debt is not completely bad it does keep money circulating and pushes people to keep employment status and work ethics, but debt at an extreme level in a recession is completely different. Usually, people end up using credit cards here or there to pay for some clothes, bills, or maybe even just food. However, when they say it is time to pay they are not playing.

At first creditors simply just say you have an extension, but at a inflated rate, or maybe they are just completely lenient. However, as time progress so does the hassling. Many people not only yearly, but weekly report of creditors hassling them and even scaring them in order to pay the amount they owe. However, one interesting fact is that even after your debt is paid creditors apparently still seem to hassle you for no apparent reason.

Some creditors act like individuals still owe an amount of money that was not properly disclosed with the set debtor, or say it was yet another additional fee of extensive debt being owed, but most of this is simply just a  ploy in order to keep the money coming to them.

Whenever you’re in debt you should not only seek the financial advice of others, but also seek law advice after the first phone call from a credit hassler. We all fall short of money every now and then, but make sure when it happens that you have a plan in place with an experienced, compassionate lawyer.

Rosenstein Law Group has the experienced staff that knows your struggles, and they are ready and waiting to help you find a solution. Their answers are straightforward, and their solutions are effective. At Rosenstein Law Group, they have people waiting 24 hours a day, every day to take your phone call. Their number is 480-248-7666. They are knowledgeable, skilled, and waiting for you to call so that they may help you through this time of hardship and back on the path to prosperity.

Progression or Recession?

Wednesday, December 14th, 2011

As history is taught throughout of years of education we learn that with time comes change. Over the years many aspects within life have changed minor to major ones. In prior civilizations we have seen religions change, gender roles change, and even the overall ideas of society change throughout the entire world. Change usually brings many different things to the table for most such as triumph, financial gain, hardships, and even death but inevitably the phrase “Change is good” applies to most people. However, some change is not a step forward, but yet a step backwards that seems to be pushing society back as a whole.

Today, history has progressed greatly when it comes to the technological innovations that can be seen in almost every household world wide from televisions, to the coveted cell phone that many have grown to not only love, but need with daily tasks within a person’s life. However, we have take a huge step back in the United States in recent times thanks to the financial state the country is currently in. Similar to that of the 1929 stock market crash Americans are financially unstable within their overall budgets today.

From spending too much and not saving, to using credit cards versus the money that the have as disposable income people are not financially conscious of what are wants and needs. People who once lived in beautiful, large homes are now in small apartments, or maybe living with their parents. People, who were once executives of companies, now have to ask the question “Can I take your order?” at fast food restaurants. Those who had money to spend frivolously now have to scrap of the pennies that they hope to find in the grocery store parking lot.

Most families today have been impacted by the recession by cutting back their costs, saving, and shopping smart, but are not having to make drastic changes like some are throughout the country. Change is an inevitable part of life that challenges people on a daily basis. However, people are not defined by what problems they encounter, but more or less how the deal with them and their overall success.

Rosenstein Law Group has the experienced staff that knows your struggles, and they are ready and waiting to help you find a solution. Their answers are straightforward, and their solutions are effective. At Rosenstein Law Group, they have people waiting 24 hours a day, every day to take your phone call. Their number is 480-248-7666. They are knowledgeable, skilled, and waiting for you to call so that they may help you through this time of hardship and back on the path to prosperity.