Eric Pinola Articles

Yes, Virginia, There is a Santa Claus and a Cloud with a Silver Lining. - Click To Read Article
Are you tired of turning on the TV or glancing over the newspaper and the ONLY kind of news you get is Bad News? I am just about to boycott watching television for a month or so, until the trend is not always negative and defeating. However, there is a silver lining to this dark cloud …. Travel prices are falling and just in time for the Thanksgiving and Christmas holidays.

The Difference Between Secured Debt and Unsecured Debt - Click To Read Article
An explination of the differences in debt type.

The Bankruptcy Myth - Click To Read Article
Is there an alternative to filing Bankruptcy that does not have the disadvantages that goes along with Bankruptcy?

Personal Credit Card Debt How to Earn 1835 - Click To Read Article
Personal credit card debt is one of the worse things to keep around. Look at the interest rates that you have and see how many are lower than the rate of return you get on your investments. You may be surprised to see that the 7% annually you receive through your mutual fund or stocks does not even come close to the 18%-35% you pay each month on your personal credit card debt.

Is this the first real economic dip for Generation X? - Click To Read Article
From gas prices to bank runs; this has been the first real economic crisis for my generation. As I look back over the last few years I have noticed that my generation has never really experienced any of the financial challenges that we are seeing currently in the world today.

How To Save Money While In Debt? - Click To Read Article
Many of us, me included, are in debt and have no savings. While some people tell you not to save money while in debt, the fact is if you don't have money for emergencies, then you will increase your debt by having to turn to your credit cards. Here are some great tips to help you save that emergency money even with debt.

How Do I Know I Need Help With Debt? - Click To Read Article
Here is a checklist that will help you understand if you need help with your debt.

How Does Debt Settlement Affect My Credit? - Click To Read Article
Effects of a Debt Management Program on your credit score.

Every Dollar Counts In Paying Off Your Credit Card Debt - Click To Read Article
Ever wonder where your money goes when you pay just the minimum payment?

FICO & Debt to Income Ratio Info - Click To Read Article
In the United States, a credit score is a number based on a statistical analysis of a person's credit files that represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, Trans Union, and Equifax. Debt to Income Ration is another factor when it comes to your credit score.

Excellent Credit Score; yet not able to obtain new credit? - Click To Read Article
Most of America is under the belief system that having a high credit score is the most important thing in the world. In reality a person’s credit worthiness is made up of a few different items. Sometimes it's better to take a step back and look at your long and short term goals and compare all of your options.

Cross-collateralization - Click To Read Article
Everyone should be aware of what Cross-Collateralization is and how it can effect you.

Debt Consolidation vs. Debt Management vs. Debt Settlement - Click To Read Article
The average American household has 20-30K of unsecured debt. Our economy as a whole is drowning in credit card debt, medical bills, personal loans, and just unsecured debt in general. In order to get out from underneath this huge burden of bills and those harassing creditor calls we have resorted to finding debt relief options such as Debt Consolidation Loans, Debt Management Programs, and your array of Debt Settlement Companies. I’m in shock to see the countless amounts of people that look for these different options and not put the time and energy into researching the cause and effects that it has on your credit score, credit report, and your financial future. By the time you have read through this article I hope you have a better understanding of the pros and cons of each of the different debt relief choices available.

Debt Management Options for the Average Person - Click To Read Article
There has been a large increase of people seeking help with their debts this holiday season. I would like to offer some advice for the individuals that are feeling the strain of tougher economic conditions. A monthly household budget can be the greatest help of all. Most people never realize the amounts of money they spend each month on little things; let’s take a look together!

Are You Teaching Your Kids Financial Responsibility? - Click To Read Article
Never too young to start lessons on good stewardship. Children are the best students when it comes to money.

Are Your Mortgage Payments Sending You Reeling? Here’s What to Do! - Click To Read Article
There are many options for people in need of help with their mortgage.

Basic Interview Etiquette - Click To Read Article
Being a director at CreditAllianceGroup.net I have had the joyful experience of interviewing and hiring new team members. Here are a few tips for all the individuals looking for a new career out there.

Banks and Collectors Have a New Twist on the Old Bait & Switch Tactic - Click To Read Article
There is a new scam out there that banks and collectors are pulling on uneducated consumers. Basically they are calling consumers with older credit card debts that have passed the statue of limitations and offering them a new card with zero % interest for life.

71,000 Complaints to the FTC about Creditor Harassment Last Year; up 500% from 2004! - Click To Read Article
According to the AP report, almost 39 percent of Federal Trade Commission complaints cited demands to pay debts that weren’t owed or payments that were more than legally allowed.


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