NSF check recovery service

At www.bumchecks.com your small or large business may access a free nsf check recovery service (on-line sign-up is even available). Other check recovery services available through www.bumchecks.com include a free e-check collection service, stop payment check collection, and closed account check collection. Bad check recovery is free for any size business because of the state bad check fee (www.checks.com/statefees). Other collection agency services available through bumchecks.com include a bad check restitution program for District Attorney offices, a medical collection service, and accounts receivables collection.

Can Debt Consolidation be bankruptcy alternative?

Bankruptcy filing has the effect in two ways; one of them is that you will get relief from your debt and the harassment of your creditors or collection agencies, but the other effect is that you will hurt your credit report heavily. Your credit report will show it for the next 8 years that you have filed bankruptcy. This report will have negative effect on creditors for future needs of loan for you. Most of the lenders will charge high rate of interest if they agree to provide you loans.

Now the question comes can debt consolidation be the alternative of bankruptcy? The answer is “yes”. First of all you need to understand the basics of debt consolidation. Debt Consolidation program combines all you debts in a single monthly payment. You will pay to the consolidation company and they will pay to all your creditors. Here your total payment towards creditors will decrease a certain amount. So if you can consolidate your debt then you can certainly avoid bankruptcy filing. Of course, you must have that position to pay the monthly payment to the consolidation company. Overall debt consolidation is really a good service to avoid bankruptcy.

Something about Personal Bankruptcy

Maximum of us face financial problems in lives. The problem may arise from many areas like, overwhelming medical bills, huge credit card bills etc. Situation becomes critical when you are unable to pay the payments and your creditors and collection agencies call you in your home and even your work place. This is really a pathetic situation. But you should try to come out from that critical situation. Now the question is how you can come out from it! Some of us make a hard budget to control over their expenses and work hard to earn more, in this way they save extra amount by which they are able to pay the creditors. This is really an excellent plan to move from critical financial situation to stable situation.

But some of our situation is so critical that they can no longer pay anything to their creditors. In this situation Bankruptcy may be the right option to choose. Your situation will decide whether you can file Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Here you should know that you have to be ready for the expenses of filing bankruptcy. You are not supposed to have great knowledge on Bankruptcy laws. The laws are very critical. So you need to hire a Bankruptcy attorney. Also there are some other costs like bankruptcy filing cost.

Tax Debt Relief Program

Those who have failed to file tax returns in time opted for tax debt relief option. Tax debt may be caused of many reasons like emergency medical bills, death in family, lavish type of lifestyle, sudden change in economic condition due to lost of employment etc. But to live in a country it is essential to pay tax. So you need to do something by which your total amount of debt can be reduced if you are not able to pay it full at a time. Here comes the importance of Tax debt relief program.
There are many tax relief agencies that offer tax settlement program which helps clients to get relief from tax debt. Tax really a complicated area and due debts on it is also very much perplexed. So a professional can only handle this matter appropriately. Government also have many options for people who are not able to pay due tax. If someone is in underpayment then there are easier options in the rule of the Government than a person who has just refused to pay the due tax payment. Anyways due taxes are always offensive.

Responsible citizens should not ignore to pay tax at any point of time. We should always remember that Government is always there to help people but not to them who always commit same mistakes repeatedly.

Financial Sources (FinancialSources.info)

Financial Sources (FinancialSources.info) is a Subject Tracer™ Information Blog developed and created by the Virtual Private Library™. It is designed to bring together the latest resources and sources on an ongoing basis from the Internet for financial resources which are listed below. We always welcome suggestions of additional sites and resources to be added to this comprehensive listing and please submit by clicking here. This site has been developed and maintained by Marcus P. Zillman, M.S., A.M.H.A.; Internet expert, author, keynote speaker, and consultant. His latest white papers include Searching the Internet, Academic and Scholar Search Engines and Sources, and Knowledge Discovery Resources 2007. All of his Subject Tracer™ Information Blogs and his white papers are available from WhitePapers.us.His latest monthly column is available by clicking here. Subscribe to his free monthly Awareness Watch™ Newsletter. Learn more by clicking here. Free online streaming tutorial videos on searching the Internet by Marcus P. Zillman, M.S., A.M.H.A.; available by clicking here.This Financial Sources Subject Tracer™ Information Blog is divided into the following sections: CORPORATION CONFERENCE CALLS SOURCES FINANCIAL SOURCES FINANCIAL SOURCES SEARCH ENGINES VENTURE CAPITAL SOURCES Current Subject Tracer™ Information Blogs CORPORATION CONFERENCE CALLS SOURCES BestCalls - The Internet's Conference Call Directory http://www.bestcalls.com/ Business Wire http://home.businesswire.com/ CCBN/Thomson http://www.ccbn.com/ Full Disclosure http://www.fulldisclosure.com/ Institutional Investor Corporate Conference Calls http://www.institutionalinvestor.com/default.asp?Page=8 PR Newswire http://www.prnewswire.com/ Q1234.com http://www.q1234.com/en/index.html Raging Bull http://ragingbull.lycos.com/ Thomson Street Events http://www.StreetEvents.com/Vcall http://www.vcall.com/ Yahoo! Current Day Conference Calls http://biz.yahoo.com/cc/

Ebayz Response to the Alleged Vladuz hacking incident

eBay is responding to the latest (alleged) attack on their site by Vladuz by confirming that the account information was valid, however the credit card numbers were not.Here is what the Chatter (eBay's blog team) has to say regarding their investigation:
I've been in touch with our operations and security teams, and I have more information I can share with you about yesterday's incident on the Trust & Safety discussion forum. In brief, very early yesterday morning, a fraudster posted contact information and alleged credit card numbers for about 1,200 members on our Trust & Safety discussion forum on eBay.com.While the issue was very unfortunate, it was clearly falsified to cause public concern. Early on eBay's teams verified that the credit card "data" did not match anything on file for these members on eBay or PayPal. After more investigation, including phone conversations with many of the members, it appears that these numbers were not valid at all.Each of these accounts was the victim of an Account Take Over, most likely through a successful phishing campaign. eBay has been in contact by phone with many of these members, and there is a My Messages email going out to impacted accounts to further our reach.1200 successful account-takeovers is a fairly large asset for a criminal to part with, even if the credit card numbers were no good. In the hand of the wrong people, 1200 eBay and PayPal accounts can be used to commit a lot of crime.Here is a description of how account-takeovers are sometimes used from my original post on this latest incident:
Account-takeovers enable criminals to scam others, using someone else's information. They can also be used to fence (sell) stolen merchandise with a high degree of anonymity. It should also be noted that stolen payment (credit/debit) card details are often used to purchase the merchandise, which is then fenced.To cover their tracks, the scammers often dupe people into laundering the proceeds of these sales in work-at-home (job) scams and wiring the money, normally across a border.Although eBay is stating that the credit card numbers in this case were no good, they are for sale, along with account-takeover information on the Internet.As I stated in my earlier post, phishing is a method, where a lot of personal and financial information is stolen, also.Thus far, all anyone can do is speculate as to how the accounts were compromised. It will be interesting to see if anyone gets to the bottom of what actually occurred.The Anti-Phishing Working Group tracks phishing activity and many experts claim that eBay and PayPal are the most frequently phished brands. They also have some excellent information on how to avoid being a victim and what to do if you think you've become one.Auction fraud doesn't only occur on eBay and can happen on any of the auction sites out there. The criminals behind this activity tend to go after what is the most popular, which probably has more to do with why they target eBay than anything else.If you get phishy e-mails that ask you to provide your eBay, or PayPal account numbers, the Chatter recommends you report them to spoof@ebay.com or spoof@paypal.com. They also recommend to go to their Security & Resolution Center if you encounter a problem.Another place to report phishy e-mails is CastleCop's PIRT Phishing Incident Reporting and Termination Squad. Please note you can also report this activity on the Anti-Phishing Working Group's site, also.Reporting a phishing attempt might prevent someone else from becoming a victim. Sadly enough, if you have an e-mail address, you probably see phishing attempts on a daily basis.Post from the Chatter, here.

Jeevan Anurag

LIC’s Jeevan ANURAG is a with profits plan specifically designed to take care of the educational needs of children. The plan can be taken by a parent on his or her own life. Benefits under the plan are payable at prespecified durations irrespective of whether the Life Assured survives to the end of the policy term or dies during the term of the policy. In addition, this plan also provides for an immediate payment of Basic Sum Assured amount on death of the Life Assured during the term of the policy.

Assured Benefit
Payment of 20% of the Basic Sum Assured at the start of every year during last 3 policy years before maturity. At maturity, 40% of the Basic Sum Assured along with reversionary bonuses declared from time to time on full Sum Assured for the full term and the Terminal bonus, if any shall be payable. For example, if term of the policy is 20 years, 20% of the Sum assured will be payable at the end of the 17th,18th, 19th year and 40% of the Sum Assured along with the reversionary bonuses and the terminal bonus, if any, at the end of the 20th year.

Death Benefit
Payment of an amount equal to Sum Assured under the basic plan immediately on the death of the life assured.

LIFE INSURANCE CORPORATION OF INDIA (LICI) `Agent

Job Function	:	Sales/Business Development
Specialization	:	Direct/Commission Sales
Industry	:	Insurance
Qualification	:	School & Graduation - Any Graduate
Experience	:	0 -5
Level	:	FULL OR PART TIME
Location	:	WEST BENGAL (Kolkata)
Key Skills	:	GOOD COMUNICATION, HIGH AMBITION, POSITIVE THINKING AND ATTITUDE

JOB DESCRIPTION :

CAN EARN RS 15000/- PER MONTH BYSALING AND MARKETING INSURANCE CONCEPT OF INDIA`S LARGEST LIFE INSURANCE COMPANY ie LIFE INSURANCE CORPORATION OF INDIA, THE ONLY GOVT INSURANCE COMPANY WITH GOVT ASUURANCE. LICI IS NO 1 MOST TRUSTED SERVICE BRAND OF TOP 50 COMPANY BY ECCONOMIC TIMES. ON SALE OF INSURANCE POLICIES AGENT`S COMMISSION UP TO 25% COMMISSION ON PREMIUM PLUS 40% BONUS ON PREMIUM. CAN EARN AT LEAST RS 15000/- MONTH WITH GRATUITY ,MEDICAL BENEFIT,PERSONAL LOAN, CAR, BIKE , HOME LOAN PAYABLE TO LICI AGENT. AND MANY MORE BENEFITS AVAILABLE. LICENCE ISSUED BY INSURANCE REGULARITY DEVELOPMENT AUTHORITY(IRDA) HOUSE WIFE, STUDENT,VRS, CA, SPOUSE OF GOVT EMPLOYEE CAN JOIN AS PART OR FULL TIME.

how to find the best company for auto loans???

how to find the best company for auto loans???

to find best company for autoloans there are certain criterias to be considered:-

• the most important and valuable think to check is interest rates of different company
• to check interest rates of different loan company you can search online company wise or common search
• as soon as you collect all the datas of interest rates of different loan companies you should make acomparison chart
• as you know already by yourself that company having the least interest rate will be chosen by you
• the next thing is to check out their demands of requirment and document process you have to go through
• now either call the company agent you liked or go there by yourself for details on their requirements .
• remember it make take more than a week to collect all the datas and verification by the loan company
• generally , company having least interest rates require much verification procedures
• last but not the least is to check out services of the company by your relatives or friends
• this is important because if somehow you missed to fill payto the company in the right time ( may be because of your financial problem)the company must have patience to wait for it and should not penalise you with certain amount.

Technorati Profile

Documents Required for Auto Insurance Claim in india

Documents Required for Auto Insurance Claim in india

For Accident Claims

1.Claim form duly signed
2.RC copy of the vehicle
3.Driving license copy
4.FIR on a case-to-case basis
5.Original estimate
6.Original repair invoice, payment receipt from the service center

For Third Party Claims:
1.Claim form duly signed
2.Police FIR copy
3.Driving license copy
4.RC copy of the vehicle
5.RTO transfer papers duly signed, mentioning that the vehicle cannot be located

publisher should not be held responsible for any change of the terms and condition .
it is advised that you must confirm it before any furthur step

car insurance

car insurance

Car insurance is the automobile insurance which is purchased by consumers (mostly) for their personal four-wheeler vehicles to ensure protection against losses caused due to traffic accidents, theft, fire damage, and other factors.

it is mandatory rule in most of the countries of the world

The insurance premium can be mandated either by the government or by the insurance company (in accordance to government regulations). The premium can vary depending on diverse factors which could affect the expected price of future claims, including:
• nature of usage of the car

• nature of the selected coverage


• vehicle features/ characteristics

• nature of the selected coverage

• profile of the driver (like age, gender, driving history, etc.)

Structured settlement

A structured settlement is a financial or insurance arrangement, including periodic payments, that a claimant accepts to resolve a personal injury tort claim or to compromise a statutory periodic payment obligation. Structured settlements were first utilized in Canada and the United States during the 1970s as an alternative to lump sum settlements. Structured settlements are now part of the statutory tort law of several common law countries including: Australia, Canada, England and the United States. Although some uniformity exists, each of these countries has its own definitions, rules and standards for structured settlement. Structured settlements may include income tax and spendthrift requirements as well as benefits. Structured settlement payments are sometimes called “periodic payments”. A structured settlement incorporated into a trial judgment is called a “periodic payment judgment”.

Structured Settlements in the United States

The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the Federal Internal Revenue Code. State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Medicaid and Medicare laws and regulations impact structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” the “Special Needs Trusts”.

Definitions
The United States definition of “structured settlement” for Federal income taxation purposes, found in Internal Revenue Code Section 5891(c)(1), is an "arrangement" that meets the following requirements:
A structured settlement must be established by:
A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2); or
An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1); and
The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) and must be payable by a person who:
Is a party to the suit or agreement or to a workers' compensation claim; or
By a person who has assumed the liability for such periodic payments under a Qualified Assignment in accordance with Internal Revenue Code Section 13
Legal Structure
The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time. The insurer, a property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party which in turn purchases an annuity (which arrangement is called an "assigned case").
In an unassigned case, the property/casualty insurer retains the periodic payment obligation and funds it by purchasing an annuity from a life insurance company, thereby offsetting its obligation with a matching asset. The payment stream purchased under the annuity matches exactly, in timing and amounts, the periodic payments agreed to in the settlement agreement. The property/casualty company owns the annuity and names the claimant as the payee under the annuity, thereby directing the annuity issuer to send payments directly to the claimant. If any of the periodic payments are life-contingent (i.e., the obligation to make a payment is contingent on someone continuing to be alive), then the claimant (or whoever is determined to be the measuring life) is named as the annuitant or measuring life under the annuity.
In an assigned case, the property/casualty company does not wish to retain the long-term periodic payment obligation on its books. Accordingly, the property/casualty insurer transfers the obligation, through a legal device called a qualified assignment, to a third party. The third party, called an assignment company, will require the property/casualty company to pay it an amount sufficient to enable it to buy an annuity that will fund its newly accepted periodic payment obligation. If the claimant consents to the transfer of the periodic payment obligation (either in the settlement agreement or, failing that, in a special form of qualified assignment known as a qualified assignment and release), the defendant and/or its property/casualty company has no further liability to make the periodic payments. This method of substituting the obliger is desirable for property/casualty companies that do not want to retain the periodic payment obligation on their books. Typically, an assignment company is an affiliate of the life insurance company from which the annuity is purchased.
An assignment is said to be "qualified" if it satisfies the criteria set forth in Internal Revenue Code Section 130 [1]. Qualification of the assignment is important to assignment companies because without it the amount they receive to induce them to accept periodic payment obligations would be considered income for federal income tax purposes. If an assignment qualifies under Section 130, however, the amount received is excluded from the income of the assignment company. This provision of the tax code was enacted to encourage assigned cases; without it, assignment companies would owe federal income taxes but would typically have no source from which to make the payments.