The Art of Credit Card Debt Negotiation

Regardless of the stage you are in the debt cycle; ready to file bankruptcy or simply a month behind on your payments, there are always alternatives to look at. A logical choice is to use a company that specializes in consolidating debt but will probably charge you for the service. Perhaps a better choice is to negotiate directly with the credit card companies you owe debt to.

There is a very high likelihood that your debt holders will be willing to negotiate with you. This is apparent by the fact that you are taking ownership yourself and in good conscience willing to pay the debt. Be aware, however, that even if you are showing a willingness to negotiate, it does not mean you are totally escaping the outcome. The fact is that when you negotiate debt with any creditor you are only negotiating the size of your obligations but you are not eliminating all that was charged to the specific card! The fact will remain that when it is reported to the credit bureaus it may be reported as charged off which indicates the debt was not paid in full.

A smart move on your part if you are going to attempt to negotiate your credit card debt with your debt holders is to utilize the services of a professional debt counselor, which targets the process of this type of debt negotiation. More often than not when individuals utilize the services of a debt counseling service they are successful in obtaining a more attractive settlement than if they attempted to negotiate the debt themselves. By the very fact the credit counseling services are professionals they are able to obtain more attractive settlements because they are skilled in the art of this type of negotiation.

All said if you are seriously considering negotiating your bills, then the wisest choice you can make is to seek the services of a professional credit counseling company to do your negotiation. You will not only achieve the benefits of getting the help you desire professionally, but you will get the peace of mind of paying off a lower debt load. To find a reputable debt counselor, conduct a careful research on the Internet for these specific types of debt counselors, professional credit card negotiators or consumer credit counselors or contact the Better Business Bureau on-line to be sure you are dealing with true professional organization and not a fly-by-night company.

Viking – Gloucester Road – A Presentation

A non-conforming and anti-non-conforming album. Out of the ghetto! Or inside, depending on your own will. Things that may appear as a veil of anarchy, in reality are “self-conformity”, conformity with your own identity with own origins and traditions. “Right”, “Left” (and their parties) become conventional words and the individual with his mood acts as principal pusher for ideals: full ideals, lived, current and not “told”.

“Gloucester Road” with its apocalyptic sceneries goes back to neofolk, which has been inspiring Viking for so long during these years. According to Viking “Gloucester Road” is easy “busking” as in the tube, when, instead, the album presents an artistic maturity in composition and esecution, and a gap in quality between Viking’s past and present works. Obviously there’s something to improve, besides Francesca lives her sweet 22nd year of life and she has a life in front of her.

In addition to the new Viking-signed songs, there are 2 Jethro Tull songs in the album and a German military ballad with new lyrics, rewritten by a young Italian comrade. “Gloucester Road” is no planned album (it was recorded suddenly!), instrospective and Viking decided to repropose 3 songs from her past, completely transformed because “these songs deserved more”. Among these “Towards the light”, whose interpretation will touch you particularly. Finally, “13 songs for the damned” is the subtitle of the work. Mankind, ready to take off towards divine knowledge, daily disgraces, research for independence and mental freedom are the main concept of the album.

Viking dedicated a song to Denis from the band Kolovrat, another to an Italian girl from the North, of which Viking does not remember the name, and there’s a sort of dedication to the Italian pub “Cutty Sark”, victim of explosion, on the booklet (there’s a map of the tube and the only bold name of station you can read is “Cutty Sark”).

Tips On How To Turn Your Past Into A Productive Present

What is past and what is present? We obviously know that our past is gone and the events that formed the past can never be redone. The good, the bad, the beautiful or the ugly; they’ve already occurred; and all over now. What is important whenever we reminisce on our past is to make it as productive and relevant as possible to our present. While you cannot change what has transpired, you can change how you think about what happened.

Usually, when you think about the past and ever allow the positive events to dominate your thoughts, the tendencies are that; you will likely be grateful for those happy moments and probably imagine reliving it which may result in another emotion of self-pity knowing very well you cannot relive the past. In some cases, it helps you think of ways to improve your present so that the happiness continues. On the contrary, if ever your memory of the events you termed as negative needs to be revisited, unless you deal with the emotions associated with those events, you will continue to carry them with you into the present moment. To a large extent, if you failed to resolve issues of the past, the memories of such experiences become responsible for your spiritual and emotional bankruptcy when you become an adult. For instance if as a child, you were greatly abused, molested or had been harshly criticized and failed to deal with it earlier on, you are more likely to become very defensive and insecure in your adult life, which in essence becomes part of you and a way of life.

When you do not let go of tales of unhappiness, resentment, or rejection that filled your past you find it increasingly difficult to merge present activities to your dreams, sometimes the feelings you hold on to from your past experiences even deter you from aspiring as high as possible, having allowed those emotions of fear, revenge, guilt, blame or insecurity, to affect other areas of your life; which may include your relationships with people, attitudes, business and money matters. Undoubtedly, many of us have events, situations or people in our histories, which still evoke some emotions in us, but there is always time to work on such emotions to move beyond it. Maybe you were a victim of child abuse, and believe you could never live beyond the vestiges of that? Or you are finding it hard to forgive yourself for something you did years ago, and the guilt won’t just fade? There is nothing you can’t achieve if you believe and try.

The mistakes of yesteryear, either by you or other people, that have deposited a great deal of negative feelings within your body and soul, could be transformed from a severe liability into a valuable asset. While you could successfully do away with your feelings of anger, revenge, guilt, blame or fear, you simply didn’t because there is a reward from holding on your pain. You gain a lot from the thrill of the story. By having the story to tell, you derive some pleasure and get accepted by others. You create a stir and pacify your personal need for attention and the emotional energy associated with the event will be refreshed every time you tell your story. There is no harm in telling stories of your past but not in a way to allow you to whirl in your self-pity, or make others feel sorry for you because this simply puts you down and draw you back into unpleasant meditations.

Why not choose to use your past as a resource for progress and not a pool for pain? Why not choose to use your past as a sort of benchmark, counting your blessings on how well you have transformed your past into an inspiration for others? Many people are comfortable making themselves feel bad and do so at any opportunity. No matter what acknowledgement and attention you receive from sinking yourself into the ludicrous slush of sad tales, it can’t be as gainful as directing all your energies to your present moment, striving with focus for a greater tomorrow.

Tips to help:

Make amends where possible - If you need to make an apology for a past event and you really know it is possible for you to do so, then go ahead and free your mind, body and soul. Say sorry to whom you think deserves it. However, if you need an apology, don’t demand it except it is given voluntarily, don’t get stuck to the idea that you deserve an apology and not tendered. You often get disappointed expecting some people to do the right things. It keeps you stuck and away from achieving something greater. Take your mind off it and consider it inessential, because until you cut that chain, you cannot move forward. The process of making amends continue as you constantly aim to improve on our attitudes, behaviours, and a change in our outlook of the past in ensuring that the grievous harm from the past is totally erased.

Remember the past without strong emotions -Learn not to revisit your past morbidly or needlessly. You should practice letting go of the feelings that bring back the hurt you knew before and always view your past from a perspective that will make it as harmless as possible to you. See your past as a depot of knowledge and information which can help you make connections to elevate your self-esteem, courage and confidence.

Forgive- Learn to forgive yourself and forgive others who have maltreated you. More importantly, because you have made yourself a ditch filled with filth, carrying over the wreckage of your lost values. When you forgive, you will be able to first, believe in yourself, appreciate your worth, and give yourself the kindness, respect and love you deserve as well as extend such to others around you, far and near.

Need for acceptance- You have to accept the past, appreciate the experiences and acknowledge the lessons you have been able to learn from such experiences as all those will impact on your actions towards the positive changes required. You will then begin to tell just a story from one mile of the journey of your life and nothing more, simply accepting without condition and the more you accept, you become more accepting and forgiving to and of others. No matter what your past experiences were, you can live happier, without any grudge against yourself and anyone else by being in control of your actions and decisions and accept that your past had been the it was, simply because nature wanted it so. You have choices with your present moment and you can make the best use of the tools you now have.