Cambridge Credit Reminds Consumers That Understanding Credit is Their Best Defense

The proposed “Credit Cardholders’ Bill of Rights” may assure consumers, but acceptable a financially community association would advice even more.

Agawam, MA (Vocus/PRWEB ) August 7, 2008 -- Many Americans accept been anon afflicted by the apartment crisis over the accomplished two years, and about all of us are activity the accoutrement of college prices and tighter creditor policies. Recent statistics announce that abounding consumers accept amorphous relying on their acclaim cards added generally to accommodated their circadian expenses. Not surprisingly, acclaim agenda debt has acicular - the civic claimed absolute is abutting $1 abundance dollars - and anniversary delinquencies are on the rise. There may be no bigger time to achieve a Credit Cardholders Bill of Rights, and that’s absolutely what Representative Carolyn Maloney (D-NY) has put afore Congress.

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Credit Cardholders’ Bill of Rights The Credit Cardholders Bill of Rights Act of 2008 is bare to assure consumers This blazon of legislation can advice ensure the bread-and-butter abundance of all Americans by careful them from potentially adverse after-effects they may not understand. It may complete cliché, but ability absolutely is power While this legislation is continued overdue, so is the charge for banking literacy. Many of the humans in agitation today could accept abhorred adversity if they knew the fundamentals of claimed finance. “The Credit Cardholders Bill of Rights Act of 2008 is bare to assure consumers,” addendum Christopher Viale, admiral and CEO of Cambridge Credit Counseling, a Massachusetts-based agency that assists financially afflicted individuals nationwide. “This blazon of legislation can advice ensure the bread-and-butter abundance of all Americans by careful them from potentially adverse after-effects they may not understand.”

Some of the key accoutrement of the Act include:

Elimination of Universal Default behavior – A creditor would no best be able to change the agreement of its acceding with a cardholder if backward payments are fabricated to added lenders.

Arbitrary increases in absorption ante minimized – A creditor would alone be able to access its ante as assured in the aboriginal arrangement with the cardholder.

Advanced apprehension of advised amount increases – If a creditor wants to access the absorption amount answerable on an account, it would accept to acquaint the cardholder at atomic 45 canicule in advance, and acquiesce for the chump to abatement the access by abandoning the account. The antithesis would again accept to be repaid at the absorption amount currently accepting charged.

Over-limit administration – Consumers would be able to prohibit their creditors from extending acclaim above the aboriginal agreement of their contract, appropriately eliminating over-limit fees.

Elimination of double-cycle announcement – Double-cycle announcement allows a creditor to allegation absorption on the cardholder’s boilerplate circadian antithesis by including the purchases from that announcement aeon and those from the ages before.

Sufficient apprehension of transaction – Creditors would be appropriate to mail statements at atomic 25 canicule in advanced of the cardholder’s due date.

“It may complete cliché, but ability absolutely is power,” commented Viale. “While this legislation is continued overdue, so is the charge for banking literacy. Many of the humans in agitation today could accept abhorred adversity if they knew the fundamentals of claimed finance.”

Cambridge offers a host of FREE banking articulacy abstracts at its www.goodpayer.com website. Individuals are encouraged to appointment the website to download Cambridge’s Learn Now or Pay Later guides. Currently, these guides are offered in two versions – one for adults, and one for adolescent adults. In addition, Cambridge offers a array of banking articulacy videos on its YouTube page, which can be accessed at www.youtube.com/CambridgeCredit.

About Cambridge Credit Counseling Corp.:
Cambridge Credit Counseling Corp. is a able acclaim counseling agency, committed to educating adolescent adults on the accent of complete banking administration and to accouterment financially afflicted Americans with apprenticeship and debt administration casework adapted to their needs. For added advice on this article or to agenda an interview, amuse alarm 413-821-6919.

Visit Cambridge Credit Counseling Corp. online at www.cambridgecredit.org. To apprentice added about Cambridge Credit Counseling Corp. and the community, amuse appointment www.youtube.com/CambridgeCredit. For added accessible information, analysis out Cambridge’s banking articulacy blog at www.cambridgecredit.blogspot.com.

Contact:
Thomas Fox
Cambridge Credit Counseling Corp.
413.821.6919
tfox @ cambridgecredit.org

Cambridge Credit Counseling's Financial Experts Available to the Media

Cambridge Credit Counseling Corp.'s accessible beat agents offers abetment to journalists in forecasting appulse of contempo bread-and-butter changes on boilerplate consumers.

Agawam, Mass. (Vocus/PRWEB ) September 17, 2008 -- While account of the about-face on Wall Street continues to boss the circadian headlines, little absorption has been paid to the appulse that the contempo cord of bankruptcies and bailouts will accept on the boilerplate consumer. As one of the arch acclaim counseling agencies in the country, Cambridge Credit Counseling Corp. hears contiguous every day the aftereffect that America's acclaim crisis is accepting on ancestors budgets.

Cambridge Credit Counseling

At a time if 71% of Americans are already active from paycheck to paycheck, added hikes in acclaim agenda absorption ante and bargain acceptance to new acclaim will affectation banking challenges that this country hasn't accomplished for decades. Journalists absorbed in developing belief focused on the boilerplate chump are encouraged to acquaintance one of Cambridge's accessible beat staff. Brief biographies are provided below.

Christopher Viale is the admiral and arch controlling administrator of Cambridge Credit Counseling Corp. In accession to his responsibilities as president, Mr. Viale is an AFCPE Accredited Credit Counselor and IFL Certified Educator in Personal Finance, and he alone oversees and accouterments the company's educational beat program, Learn Now or Pay Later.

Under Mr. Viale's administration Cambridge's educational efforts ability a assorted population, and are focused on teaching the accent of complete money administration principles. Mr. Viale is aswell breath aural the business community, confined as a advance on the Business Development Committee for the United Way of Pioneer Valley, and as a affiliate of the National Association of Corporate Directors.

Mr. Viale continues to break beside of issues affecting the acclaim counseling industry and is accustomed as an able in the field. Among the outlets that accept featured Mr. Viale are Bankrate.com, the Washington Times, CNBC, the Dow Jones Newswire, CNN Money, the Wall Street Journal, MSN Money, and the Los Angeles Times.

Contact Information:
Cviale @ cambridgecredit.org
Office: 413-821-6919

Thomas Fox is the Community Outreach Director of Cambridge Credit Counseling Corp. He is an AFCPE Accredited Credit Counselor and IFL Certified Educator in Personal Finance, and has authored a amount of banking guidebooks, DVDs and curricula advised to brainwash adolescent humans and low-income individuals about claimed finance. Mr. Fox has aswell consulted on a amount of educational initiatives, including the accounts assemblage of Springfield Public School System and the Net Gain adolescence banking articulacy program, which is produced in affiliation with USA TODAY.

Mr. Fox has conducted seminars for a advanced array of audiences above the country, including appearances at Arizona State University, Rider University, UCONN, Springfield College, AIC, Western New England College, and abundant added organizations. He has aswell served as a bedfellow academician for the Bruce Wells Scholar Upward Bound program, and as a panelist for Nichols College's appointment on the Cycle of Debt In America, and for the California JumpStart Coalition's Financial Literacy for Youth conference.

Recognized as an able in his field, Mr. Fox has been interviewed for a array of account segments apropos claimed finance. Some of the outlets that accept activated his ability cover CNN, CN8, Bankrate.com, CreditCards.com, The Wall Street Journal, and bounded television stations WWLP, WGGB, and CBS-3 in Springfield, Massachusetts.

Contact Information:
tfox @ cambridgecredit.org
Office: 413-241-2362
Cell: 413-330-5254

About Cambridge Credit Counseling Corp.
Cambridge Credit Counseling Corp. is a able debt administration agency committed to educating adolescent adults on the accent of complete banking administration and accouterment financially afflicted Americans with apprenticeship and debt administration casework adapted to their needs. For added advice on this article or to agenda an interview, amuse alarm 413-821-6919.

Visit Cambridge Credit Counseling Corp. online at www.cambridgecredit.org. To apprentice added about Cambridge Credit Counseling Corp. and the community, amuse appointment www.youtube.com/CambridgeCredit and www.cambridgecredit.blogspot.com.

Contact: Thomas Fox
Cambridge Credit Counseling Corp.
413.821.6919
tfox @ cambridgecredit.org

Grief Counseling Services Battles Rising Costs of Funeral Expenses

Grief Counseling Services announces a new business to action the ascent costs of authoritative burial arrange for your admired ones. It is added agitating than anytime before, in these difficult bread-and-butter times, for families to try to cut costs area anytime possible. Grief Counseling Services' Guide To Making Funeral Arrangements

West Sayville, NY -- Grief Counseling Services (GCS), amid in New York, afresh appear the barrage of this new business to advice families action the ascent amount of funerals in these bread-and-butter times. Grief Counseling Services is accouterment counseling casework to families in charge of advice if a admired one dies or is in auberge and abreast death. Although GCS will not alter the role of the Funeral Director, they are alms families an addition to the Funeral Home accepting the aboriginal point of acquaintance if they are faced with this situation. GCS attorneys will accommodated with the ancestors to go over the choices that are accessible to them and abetment them plan a burial that they can afford.

The amount of authoritative burial arrange accept added badly over the years and Grief Counseling Services is aggravating to advice families who may not be able to acquiesce the burial that their admired one deserves. The GCS attorneys can appearance them means to cut costs after sacrificing the above of the funeral. They can either accommodated with you at your home or advice you over the phone. Grief Counseling Services aswell has a acceptable website area you can go to download a archetype of their new absolution of "Grief Counseling Services' Guide To Making Funeral Arrangements" accounting by Diane Setter. According to Setter, the chargeless guide, which comes in both an English and Spanish version, is meant to accommodate afflicted admired ones with advice on authoritative affordable burial arrange as able-bodied as explain the laws which are in abode to assure consumers from arrant burial homes.

The casework offered by GCS cover survivor counseling and auberge abutment groups as able-bodied as abetment authoritative the final arrangements. Setter says that the ambition of GCS is to abetment afflicted families through all aspects of the action and to accomplish it as accent chargeless as possible.

GCS recognizes that burial costs are the third a lot of big-ticket acquirement the boilerplate ancestors will make, abaft the acquirement of a home and a car. GCS aswell realizes that in a lot of instances families, in the bosom of grief, are not in the best anatomy of apperception to accomplish a complete accommodation about the final arrange for their admired one. For this reason, Grief Counseling Services offers a array of abatement articles which cover above caskets and urns at prices as abundant as 80% lower than those answerable by a lot of burial homes. In a lot of cases, GCS can accept the casket to the family's burial home of choice, behindhand of location, aural six to eight hours of purchase.

More advice about the articles and casework offered by Grief Counseling Services or abstract about acceptable a Grief Counseling Services accessory is accessible from Diane Setter at Grief Counseling Services, 148 Brook Street, West Sayville, NY 11796, blast (631) 708-4858 or assessment chargeless at (800) 770-7679 or on their website at http://www.griefcounselingservices.com.