What Happens If I Don't Pay My Credit Card Bills?

When facing amassing credit card debt, it is not uncommon for many individuals to ask "Why pay my credit card bills?" Granted, while this option is there and it may give you some extra cash for a few months, here are a few of the major repercussions you might be facing should you decide to go delinquent on your monthly payments:

1.Creditor/Collection Calls:
This might be the worst part of a delinquent debt-the constant calls from creditors demanding their money. Collectors have been known to call 8-10 times a day, at home, at work, on your cell phone. And these are the ones who follow the rules. Creditors have been reported to speak to bosses, neighbors, and family members (which of course is illegal). Once they get you on the phone they can be even worse. They use a number of psychological techniques to demean you and force you to give them checking account numbers or other bank information. In other words, they will do anything they can to make you pay. (Please keep in mind that your rights are protected by the Federal Trade Commission. To find out more information, please consult the Fair Debt Collection Practices Act.)

2. Damaged Credit Score:
Creditors will begin to report missed payments to credit bureaus which will inevitability have an affect on your credit score. These marks can be removed once a settlement is reached or payments are made.

3. Interest/Late Fees/Over-the-limit fees:
Not paying does not mean that interest will stop accruing. Once you go delinquent, many creditors will immediately raise your interest rate to the highest possible interest rate, about 30%. In addition, they will charge late fee penalties ranging between $30-50, and if your balance exceeds the credit limit, they are more than happy to tack on over-the-limit fees.

4. Legal Action:
Eventually, if a debt becomes very delinquent, a creditor may opt to take legal action which can result in liens, garnished wages, or other legal judgements requiring you to pay your debt. However, this is typically a long and complicated process that companies would like to avoid. Nevertheless, it does happen.

If you are considering not paying your credit card bills, it may be the perfect time to considering professional help. There are a number of financial companies that can help you find a Credit Card Debt Relief solution to your financial dilemmas. Why wait? Contact one today, as the first step in finding a solution to your economical problems is usually asking for help.

Scott Wallitsch is a certified IAPDA debt arbitrator for DebtorSolution. He provides Debt Settlement and Debt Consolidation advice to clients who are looking to become financially free and economically independent.

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Knitting Your Way To Happiness

Life just comes at us, doesn't it, in a million different ways. Every waking minute of our day, it seems as if there is always something waiting for us. Some of it imminent; most of it pertinent; a little of it of no consequence.

Yes, life can be so complicated. Yet, it is in the midst of our daily frenzy that we can find the best solace.

How, you may ask? How, when life's daily expectancies, simply look to overwhelm us. How then, do we make life simple again? How can what I do, any day, every day, all day long, ever begin to make a difference?

Good questions. There are good answers awaiting.

It is simple, quite simple. Just take your passion out. Whatever burns a fire in your heart, whatever soaks through the layers of your life and is sustained in and of itself, when all else makes no difference. Whatever you go back to time and time again; that talent your mother told you you had many times when you were growing up.

Aside from my writing, it is knitting, which has woven its very threads into my being. I can't live without it! I love everything there is to know about being a knitter. The patterns, the creations, the yarns, the needles, the blogs, the websites, the books, the magazines, the shops, the camaraderie of others who share my passion.

But, more than anything else I love the way knitting makes me feel!! It is in the quiet moments, when I hear my needles clicking, and the very best thoughts, which I suspect are being thought by someone else way out there in the universe and picked up by my thoughts floating out there too; just like those wispy dandelion heads which we blew apart as children and watched fly away into the world. Somewhere out there they don't merely fall apart into nothingness; no, they find other wispy seed heads to join up with, to stick to, and become whole wispy dandelion heads all over again.

Whole, from a part. That's the secret to passion. Knowing that you, or I, are only a part of the puzzle. We are not the entire thing! And we never will be. We can only give what we have, and that will do just fine, thank you!

But, there is so much to give! Just take knitting, for instance. In knitting's pleasures are found its treasures. Where can you cast on one sole stitch and when completely done, behold a masterpiece even you didn't think was possible?! Where can you get to know other knitters, some across the street, others across the world, who know just what you know, who think just as you do, who hold the same passions inside just like you?

If your desire is to help people, here we are! Any yarn, any color will do. Caps for preemies, afghans for Afghans, blankies for little ones, shawls for the sick, pretty scarves in furry colors like cotton candy and sapphire blue, to dazzle eyes that never see such fun. Of course, there is always Christmas, birthdays, and don't forget weddings. Nothing makes me feel nicer than to hear all the "ooh's" and "ahh's" when a beautiful wedding afghan that I knitted comes out of its gift box and everyone exclaims all round! Want to make your cat or baby dog extra cozy this winter? We do that too!

Then there is knitting to see my way beyond sorrow and grief. Tell me, who doesn't know that song? Yet, it's ending can be upbeat, or at least, a metered measure closer to feeling better. Or in helping another to find their way through the dark. Because to knit, you have to be in the light.

Don't ever think you don't have what it takes to be the next helping hand, the next inspiration, the next big idea, because if you live and breathe and have your being in this world, then the possibility is there!

Because you are there. Because you are here. Because you have a passion. And the world needs your passion. Because with it you will never go wrong. Because with it is your key to happiness. And that is the only way, isn't it, to open the door to your heart!

Keep YOUR knitting on the "Cutting Edge" with FREE patterns. The place where smart knitters gather resources and share stories.

FREE Details ==> http://www.theknitstitch.com

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