2013년 11월 24일 일요일

오전 5:45

By Joe Halladay

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About 'debt collection jobs'|How do I Hire a Collection Agency to Collect my Tenant Debt







About 'debt collection jobs'|How do I Hire a Collection Agency to Collect my Tenant Debt








Ａｓ               ｕｎｅｍｐｌｏｙｍｅｎｔ               ｉｎ               ｍａｎｙ               ｓｔａｔｅｓ               ｃｌｉｍｂ               ｉｎｔｏ               ｄｏｕｂｌｅ               ｄｉｇｉｔｓ,               ｐｒｅｐａｒｉｎｇ               ｆｏｒ               ａ               ｐｏｓｓｉｂｌｅ               ｊｏｂ               ｌｏｓｓ               ｉｓ               ｏｎ               ｍａｎｙ               ｐｅｏｐｌｅ'ｓ               ｍｉｎｄｓ.

Ｗｈｉｌｅ               ａ               ｌａｙｏｆｆ               ｉｓ               ｂｅｙｏｎｄ               ｔｈｅ               ｃｏｎｔｒｏｌ               ｏｆ               ｍｏｓｔ               ｐｅｏｐｌｅ,               ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｔｈｉｎｇｓ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｄｏ               ｔｏ               ｐｒｅｐａｒｅ               ｆｏｒ               ｔｈｅ               ｐｏｓｓｉｂｉｌｉｔｙ.

Ａｎ               ｉｍｐｏｒｔａｎｔ               ｐｏｉｎｔ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｅａｒｌｉｅｒ               ｙｏｕ               ｓｔａｒｔ               ｐｒｅｐａｒｉｎｇ,               ｔｈｅ               ｍｏｒｅ               ｐｒｅｐａｒｅｄ               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｗｈｅｎ               ａｎｄ               ｉｆ               ｙｏｕｒ               ｌａｙｏｆｆ               ｃｏｍｅｓ.

Ｅｖｅｎ               ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｙｏｕｒ               ｊｏｂ               ｉｓ               ｗｅｌｌ               ｐｒｏｔｅｃｔｅｄ,               ｇｅｔｔｉｎｇ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｌｉｆｅ               ｉｎ               ｏｒｄｅｒ               ｗｉｌｌ               ｂｅｎｅｆｉｔ               ｙｏｕ,               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｎｅｖｅｒ               ｆａｃｅ               ａ               ｊｏｂ               ｌｏｓｓ.
               Ｔｈｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｓｔａｒｔ               ｐｒｅｐａｒｉｎｇ               ｆｏｒ               ｆｉｎａｎｃｉａｌ               ｈａｒｄｓｈｉｐ               ｉｓ               ｔｏ               ｇｅｔ               ｏｕｔ               ｏｆ               ｄｅｂｔ.

Ｂｙ               ｅｌｉｍｉｎａｔｉｎｇ               ｙｏｕｒ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔｓ,               ｙｏｕ               ｆｒｅｅ               ｙｏｕｒ               ｍｏｎｅｙ               ｆｏｒ               ｏｔｈｅｒ               ｔｈｉｎｇｓ.

Ｗｈｅｔｈｅｒ               ｙｏｕｒ               ｇｏａｌ               ｉｓ               ｃｒｅａｔｉｎｇ               ａ               ｎｅｓｔ               ｅｇｇ               ｆｏｒ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｏｒ               ｂｕｙｉｎｇ               ａ               ｎｅｗ               ｈｏｕｓｅ               ｏｒ               ｃａｒ,               ｉｔ               ｗｉｌｌ               ｂｅ               ｅａｓｉｅｒ               ｔｏ               ａｃｃｏｍｐｌｉｓｈ               ｉｆ               ｙｏｕ               ｈａｖｅ               ｆｅｗｅｒ               ｍｏｎｔｈｌｙ               ｂｉｌｌｓ.
               Ｃｏｎｓｕｍｅｒ               ｇｕｒｕ               Ｄａｖｅ               Ｒａｍｓｅｙ               ｈａｓ               ｄｅｖｅｌｏｐｅｄ               ａ               ｓｕｃｃｅｓｓｆｕｌ               ｓｅｖｅｎ-ｓｔｅｐ               ｐｒｏｇｒａｍ               ｔｏ               ｐａｙ               ｏｆｆ               ｙｏｕｒ               ｄｅｂｔｓ               ａｎｄ               ｓｔａｒｔ               ｂｕｉｌｄｉｎｇ               ｗｅａｌｔｈ.

Ｕｎｌｉｋｅ               ｍａｎｙ               ｐｒｏｇｒａｍｓ,               ｔｈｉｓ               ｏｎｅ               ｃｏｓｔｓ               ｎｏｔｈｉｎｇ               ａｎｄ               ｉｓ               ｓｉｍｐｌｅ               ｔｏ               ｉｍｐｌｅｍｅｎｔ.

Ｉｆ               ｙｏｕｒ               ｌａｙｏｆｆ               ｉｓ               ｎｏｔ               ｌｏｏｍｉｎｇ               ｎｅａｒ,               ｔｈｉｓ               ｉｓ               ａ               ｇｒｅａｔ               ｐｌａｃｅ               ｔｏ               ｓｔａｒｔ.
               Ｉｆ               ｙｏｕｒ               ｌａｙｏｆｆ               ｉｓ               ｉｍｍｉｎｅｎｔ,               ｃｏｎｔｒａｒｙ               ｔｏ               Ｄａｖｅ               Ｒａｍｓｅｙ'ｓ               ａｄｖｉｃｅ,               ｍｙ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｗｏｕｌｄ               ｂｅ               ｔｏ               ｓｔａｒｔ               ｓｔｏｃｋｐｉｌｉｎｇ               ｍｏｎｅｙ.

Ｉ               ｗａｓ               ｌａｉｄ               ｏｆｆ               (ｆｕｒｌｏｕｇｈｅｄ               ｉｎ               ａｉｒｌｉｎｅ               ｐａｒｌａｎｃｅ)               ｉｎ               2005               ｓｈｏｒｔｌｙ               ａｆｔｅｒ               Ｉ               ｈａｄ               ｓｔａｒｔｅｄ               ｔａｋｉｎｇ               ｓｏｍｅ               ｏｆ               Ｄａｖｅ               Ｒａｍｓｅｙ'ｓ               ａｄｖｉｃｅ.

Ｍｙ               ｄｅｂｔ               ｗａｓ               ｒｅｄｕｃｅｄ               ｔｏ               ａｂｏｕｔ               $1000               ｗｈｅｎ               ｔｈｅ               ｐａｙｃｈｅｃｋｓ               ｓｔｏｐｐｅｄ               ｃｏｍｉｎｇ.

Ａｔ               ｔｈａｔ               ｐｏｉｎｔ,               ｍｙ               ｄｅｂｔ               ｓｔａｒｔｅｄ               ｉｎｃｒｅａｓｉｎｇ               ａｇａｉｎ               ｂｅｃａｕｓｅ               Ｉ               ｈａｄ               ｌｉｔｔｌｅ               ｏｒ               ｎｏ               ｍｏｎｅｙ               ｉｎ               ｔｈｅ               ｂａｎｋ.
               Ｄｏｎ'ｔ               ｗａｉｔ               ｕｎｔｉｌ               ｔｈｅ               ｌａｓｔ               ｍｉｎｕｔｅ               ｔｏ               ｓｔａｒｔ               ｌｏｏｋｉｎｇ               ｆｏｒ               ａ               ｎｅｗ               ｊｏｂ.

Ａ               ｇｏｏｄ               ｔｉｍｅ               ｔｏ               ｕｐｄａｔｅ               ｙｏｕｒ               ｒｅｓｕｍｅ               ｉｓ               ｂｅｆｏｒｅ               ｙｏｕ               ｎｅｅｄ               ｉｔ.

Ｉｆ               ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ａ               ｒｅｓｕｍｅ,               ｓｔａｒｔ               ｏｎｅ.

Ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｓｉｍｐｌｅ               ｇｕｉｄｅｓ               ｂｏｔｈ               ｏｎｌｉｎｅ               ａｎｄ               ｉｎ               ｂｏｏｋｓ.

Ｉｆ               ｗｒｉｔｉｎｇ               ｙｏｕｒ               ｏｗｎ               ｒｅｓｕｍｅ               ｉｓ               ｉｎｔｉｍｉｄａｔｉｎｇ,               ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｓｅｒｖｉｃｅｓ               ｔｈａｔ               ｗｉｌｌ               ｗｒｉｔｅ               ｔｈｅｍ               ｆｏｒ               ｙｏｕ.
               Ｉｆ               ｙｏｕ               ｂｅｌｉｅｖｅ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ａｂｏｕｔ               ｔｏ               ｌｏｓｅ               ｙｏｕｒ               ｊｏｂ,               ｓｔａｒｔ               ｓｅｎｄｉｎｇ               ｏｕｔ               ｙｏｕｒ               ｒｅｓｕｍｅｓ               ｉｍｍｅｄｉａｔｅｌｙ.

Ｕｓｅ               ｃｌａｓｓｉｆｉｅｄ               ａｄ               ｓｉｔｅｓ               ｏｎ               ｔｈｅ               ｉｎｔｅｒｎｅｔ               ａｎｄ               ｙｏｕｒ               ｌｏｃａｌ               ｎｅｗｓｐａｐｅｒｓ               ｔｏ               ｔａｒｇｅｔ               ｙｏｕｒ               ｓｅａｒｃｈ.

Ｙａｈｏｏ               ｊｏｂｓ               ａｎｄ               ｍｏｎｓｔｅｒ.ｃｏｍ               ａｒｅ               ｔｗｏ               ｐｏｐｕｌａｒ               ｊｏｂ               ｓｅａｒｃｈ               ｓｉｔｅｓ.

Ｔｈｅｒｅ               ａｒｅ               ａｌｓｏ               ｓｐｅｃｉａｌｔｙ               ｓｉｔｅｓ               ｆｏｒ               ｍａｎｙ               ｊｏｂ               ｆｉｅｌｄｓ               ａｎｄ               ｇｅｏｇｒａｐｈｉｃ               ａｒｅａｓ.

Ｎｅｔｗｏｒｋｉｎｇ               ｗｉｔｈ               ｐｅｏｐｌｅ               ｙｏｕ               ｋｎｏｗ               ｍａｙ               ａｌｓｏ               ｌｅａｄ               ｔｏ               ｐｏｓｓｉｂｌｅ               ｊｏｂｓ.
               Ｉｎ               ｔｏｄａｙ'ｓ               ｊｏｂ               ｍａｒｋｅｔ,               ｄｏｎ'ｔ               ｆｏｃｕｓ               ｏｎ               ａ               ｊｏｂ               ｌｉｋｅ               ｙｏｕｒ               ｏｌｄ               ｏｎｅ.

Ｅｘａｍｉｎｅ               ｙｏｕｒ               ｓｋｉｌｌｓ               ａｎｄ               ｅｘｐｅｒｉｅｎｃｅ               ａｎｄ               ａｐｐｌｙ               ｆｏｒ               ｅｖｅｒｙ               ｊｏｂ               ｆｏｒ               ｗｈｉｃｈ               ｙｏｕ               ｑｕａｌｉｆｙ.

Ｃｏｎｓｉｄｅｒ               ａ               ｃａｒｅｅｒ               ｃｈａｎｇｅ.

Ｅｖｅｎ               ｒｅｔａｉｌ               ｏｒ               ｐａｒｔ-ｔｉｍｅ               ｅｍｐｌｏｙｍｅｎｔ               ｃａｎ               ｈｅｌｐ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｒｅｍａｉｎｉｎｇ               ｂｉｌｌｓ.

Ｔａｋｅ               ｃａｒｅ               ｔｈａｔ               ｐａｒｔ-ｔｉｍｅ               ｊｏｂｓ               ｄｏ               ｎｏｔ               ｃｏｎｆｌｉｃｔ               ｗｉｔｈ               ｙｏｕｒ               ｕｎｅｍｐｌｏｙｍｅｎｔ               ｐａｙｍｅｎｔｓ.
               Ｂｅｆｏｒｅ               ｙｏｕ               ｌｅａｖｅ               ｙｏｕｒ               ｏｌｄ               ｊｏｂ,               ｙｏｕ               ｓｈｏｕｌｄ               ａｌｓｏ               ａｓｋ               ｙｏｕｒ               ｆｒｉｅｎｄｓ               ａｎｄ               ｃｏｗｏｒｋｅｒｓ               ｔｏ               ｐｒｏｖｉｄｅ               ｙｏｕ               ｗｉｔｈ               ｒｅｆｅｒｅｎｃｅ               ｌｅｔｔｅｒｓ               ａｎｄ               ｒｅｆｅｒｒａｌｓ.

Ｒｅｆｅｒｅｎｃｅｓ               ｆｒｏｍ               ｙｏｕｒ               ｍｏｓｔ               ｒｅｃｅｎｔ               ｊｏｂ               ａｒｅ               ｍｏｒｅ               ｖａｌｕａｂｌｅ               ｔｈａｎ               ｏｌｄｅｒ               ｏｎｅｓ.

Ａｎ               ｉｍｐｏｒｔａｎｔ               ｐｏｉｎｔ               ｔｏ               ｒｅｍｅｍｂｅｒ               ｉｓ               ｔｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ａｌｗａｙｓ               ａｓｋ               ｂｅｆｏｒｅ               ｕｓｉｎｇ               ａｎｙｏｎｅ               ａｓ               ａ               ｒｅｆｅｒｅｎｃｅ.

Ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｔｈｅｙ               ｒｅｍｅｍｂｅｒ               ｙｏｕ               ａｎｄ               ｈａｖｅ               ｓｏｍｅｔｈｉｎｇ               ｐｏｓｉｔｉｖｅ               ｔｏ               ｓａｙ               ａｂｏｕｔ               ｙｏｕ.
               Ｉｆ               ｙｏｕ               ａｒｅ               ａｂｏｕｔ               ｔｏ               ｂｅ               ｌａｉｄ               ｏｆｆ,               ｄｏ               ｎｏｔ               ｔｒｙ               ｔｏ               ｍａｉｎｔａｉｎ               ｙｏｕｒ               ｃｕｒｒｅｎｔ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ.

Ｙｏｕ               ｍｕｓｔ               ｉｍｍｅｄｉａｔｅｌｙ               ｓｅｔ               ｐｒｉｏｒｉｔｉｅｓ               ｔｏ               ｃｏｎｓｅｒｖｅ               ｙｏｕｒ               ｃａｓｈ.

Ｙｏｕｒ               ｐｒｉｏｒｉｔｉｅｓ               ｓｈｏｕｌｄ               ｂｅ               ｔｏ               ｍａｉｎｔａｉｎ               ｙｏｕｒ               ｈｏｍｅ,               ｆｅｅｄ               ｙｏｕｒ               ｆａｍｉｌｙ,               ａｎｄ               ｔｏ               ｆｉｎｄ               ａ               ｎｅｗ               ｊｏｂ.

Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ｙｏｕ               ｓｈｏｕｌｄ               ｃｏｎｃｅｎｔｒａｔｅ               ｏｎ               ｐａｙｉｎｇ               ｙｏｕｒ               ｍｏｒｔｇａｇｅ,               ｅｌｅｃｔｒｉｃｉｔｙ,               ｈｅａｔｉｎｇ               ｆｕｅｌ,               ａｎｄ               ｗａｔｅｒ               ｂｉｌｌｓ               ａｂｏｖｅ               ａｌｌ               ｅｌｓｅ.
               Ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｎｄ               ｕｎｓｅｃｕｒｅｄ               ｄｅｂｔ               ａｒｅ               ｌｏｗ               ｐｒｉｏｒｉｔｙ.

Ｆａｉｌｕｒｅ               ｔｏ               ｐａｙ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｉｌｌ               ｎｏｔ               ｒｅｓｕｌｔ               ｉｎ               ｆｏｒｅｃｌｏｓｕｒｅ,               ｒｅｐｏｓｓｅｓｓｉｏｎ,               ｏｒ               ｌｏｓｓ               ｏｆ               ｅｌｅｃｔｒｉｃｉｔｙ               ｏｒ               ｗａｔｅｒ.

Ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｃａｎ               ｄｏ               ｌｉｔｔｌｅ               ｍｏｒｅ               ｔｈａｎ               ｈａｒａｓｓ               ｙｏｕ               ｏｒ               ｃｕｔ               ｏｆｆ               ｙｏｕｒ               ｌｉｎｅｓ               ｏｆ               ｃｒｅｄｉｔ,               ｗｈｉｃｈ               ｙｏｕ               ｓｈｏｕｌｄｎ'ｔ               ｂｅ               ｕｓｉｎｇ               ａｔ               ｔｈｉｓ               ｐｏｉｎｔ               ａｎｙｗａｙ.
               Ｄｏｎ'ｔ               ｊｕｓｔ               ａｂｒｕｐｔｌｙ               ｓｔｏｐ               ｍａｋｉｎｇ               ｐａｙｍｅｎｔｓ               ｔｈｏｕｇｈ.

Ｔａｌｋ               ｔｏ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ａｎｄ               ｅｘｐｌａｉｎ               ｙｏｕｒ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｔｈｅｍ.

Ｔｈｅｙ               ｍａｙ               ｂｅ               ｍｏｒｅ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｉｆ               ｙｏｕ               ｗｏｒｋ               ｗｉｔｈ               ｔｈｅｍ               ｆｒｏｍ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ.

Ｅｘｐｌａｉｎ               ｔｏ               ｔｈｅｍ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｐａｙ               ｔｈｅｍ               ｂａｃｋ               ｗｈｅｎ               ｙｏｕ               ａｒｅ               ａｂｌｅ,               ｂｕｔ               ｔｈａｔ               ｗｉｔｈｏｕｔ               ａ               ｊｏｂ,               ｙｏｕ               ｃａｎｎｏｔ               ｐａｙ.
               Ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ               ｌｉｍｉｔｓ               ｔｈｅ               ａｃｔｉｏｎｓ               ｔｈａｔ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｍａｙ               ｔａｋｅ.

Ｔｈｅｙ               ａｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｈａｒａｓｓ               ｏｒ               ｔｈｒｅａｔｅｎ               ｙｏｕ.

Ｔｏ               ｆｉｎｄ               ｏｕｔ               ｗｈａｔ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｃａｎ               ａｎｄ               ｃａｎｎｏｔ               ｄｏ,               ｃｈｅｃｋ               ｗｉｔｈ               ｙｏｕｒ               ｓｔａｔｅ               ｃｏｎｓｕｍｅｒ               ｐｒｏｔｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｏｒ               ｖｉｓｉｔ               ｔｈｉｓ               ｌｉｎｋ.
               Ｅｌｉｍｉｎａｔｅ               ａｎｙ               ｐａｙｍｅｎｔｓ               ｔｈａｔ               ａｒｅ               ｎｏｔ               ｎｅｃｅｓｓａｒｙ.

Ｓｏｍｅ               ｅｘａｍｐｌｅｓ               ｏｆ               ｎｏｎｅｓｓｅｎｔｉａｌ               ｓｐｅｎｄｉｎｇ               ａｒｅ               ｃａｂｌｅ               ｔｅｌｅｖｉｓｉｏｎ,               ｅａｔｉｎｇ               ｏｕｔ,               ｔｒｅｎｄｙ               ｃｌｏｔｈｉｎｇ,               ａｎｄ               ａｎｙｔｈｉｎｇ               ｔｈａｔ               ｗｉｌｌ               ｎｏｔ               ｈｅｌｐ               ｙｏｕ               ｆｉｎｄ               ａ               ｊｏｂ               ｏｒ               ｃｏｎｔｒｉｂｕｔｅ               ｔｏ               ｙｏｕｒ               ｂａｓｉｃ               ｓｕｒｖｉｖａｌ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｅｘｐｅｎｓｉｖｅ               ｃａｒ               ｌｏａｎｓ,               ｙｏｕ               ｍａｙ               ｎｅｅｄ               ｔｏ               ｃｏｎｓｉｄｅｒ               ｓｅｌｌｉｎｇ               ｔｈｅ               ｖｅｈｉｃｌｅ               ａｎｄ               ｂｕｙｉｎｇ               ａｎ               ｏｌｄｅｒ               ｃａｒ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｐａｙ               ｃａｓｈ               ｆｏｒ.

Ｔｈｉｓ               ｍａｙ               ａｌｓｏ               ａｌｌｏｗ               ｙｏｕ               ｔｏ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒａｇｅ.

Ｙｏｕ               ｍａｙ               ａｌｓｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｒｅｄｕｃｅ               ｙｏｕｒ               ｃｅｌｌ               ｐｈｏｎｅ               ｐｌａｎ               ｔｏ               ａ               ｍｏｒｅ               ｂａｓｉｃ               ｓｅｒｖｉｃｅ               ｔｈａｔ               ｅｌｉｍｉｎａｔｅｓ               ｔｅｘｔｉｎｇ               ａｎｄ               ｏｔｈｅｒ               ｓｅｒｖｉｃｅｓ.
               Ｉｆ               ｙｏｕ               ｈａｖｅ               ｔｏｙｓ,               ｓｕｃｈ               ａｓ               ｂｏａｔｓ,               ｍｏｔｏｒｃｙｃｌｅｓ,               ｏｒ               ｒｅｃｒｅａｔｉｏｎａｌ               ｖｅｈｉｃｌｅｓ,               ｃｏｎｓｉｄｅｒ               ｓｅｌｌｉｎｇ               ｔｈｅｍ.

Ｙｏｕ               ｍａｙ               ｂｅ               ａｂｌｅ               ｔｏ               ｇｅｎｅｒａｔｅ               ｅｎｏｕｇｈ               ｍｏｎｅｙ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｂｉｌｌｓ               ｆｏｒ               ａ               ｆｅｗ               ｍｏｎｔｈｓ.

Ｉｆ               ｔｈｅｓｅ               ｉｔｅｍｓ               ａｒｅ               ｎｏｔ               ｆｕｌｌｙ               ｐａｉｄ               ｆｏｒ,               ｔｈｅｙ               ｓｈｏｕｌｄ               ｄｅｆｉｎｉｔｅｌｙ               ｂｅ               ｐｌａｃｅｄ               ｏｎ               ｔｈｅ               ｍａｒｋｅｔ               ｓｉｎｃｅ               ｔｈｅ               ｌｏａｎ               ｐａｙｍｅｎｔｓ               ｗｉｌｌ               ｃｏｎｓｔｉｔｕｔｅ               ａｎ               ｕｎａｃｃｅｐｔａｂｌｅ               ｄｒａｉｎ               ｏｎ               ｙｏｕｒ               ｃａｓｈ               ｒｅｓｅｒｖｅｓ.
               Ｗｈｅｎ               ｙｏｕ               ｄｏ               ｌｏｓｅ               ｙｏｕｒ               ｊｏｂ,               ｄｏ               ｎｏｔ               ｗａｓｔｅ               ａｎｙ               ｔｉｍｅ               ｉｎ               ａｐｐｌｙｉｎｇ               ｆｏｒ               ｗｈａｔｅｖｅｒ               ａｓｓｉｓｔａｎｃｅ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｑｕａｌｉｆｙ               ｆｏｒ.

Ｔｈｉｓ               ｍａｙ               ｉｎｃｌｕｄｅ               ｕｎｅｍｐｌｏｙｍｅｎｔ               ｃｏｍｐｅｎｓａｔｉｏｎ               ｐａｙｍｅｎｔｓ,               ｈｅａｌｔｈ               ｂｅｎｅｆｉｔｓ,               ｆｏｏｄ               ｓｔａｍｐｓ,               ｗｏｍｅｎ-ｉｎｆａｎｔ-ｃｈｉｌｄｒｅｎ               (ＷＩＣ)               ｖｏｕｃｈｅｒｓ,               ａｎｄ               ｏｃｃｕｐａｔｉｏｎａｌ               ｔｒａｉｎｉｎｇ.

Ｂｅｎｅｆｉｔｓ               ｖａｒｙ               ｂｙ               ｓｔａｔｅ.

Ｃｈｅｃｋ               ｗｉｔｈ               ｙｏｕｒ               ｌｏｃａｌ               ｓｔａｔｅ               ｏｆｆｉｃｅｓ               ａｎｄ               ａｐｐｌｙ               ｆｏｒ               ｅｖｅｒｙｔｈｉｎｇ.
               Ｉｎ               ｓｏｍｅ               ｃａｓｅｓ,               ｙｏｕ               ｍａｙ               ｂｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｃａｓｈ               ｏｕｔ               ｏｆ               ｙｏｕｒ               ｒｅｔｉｒｅｍｅｎｔ               ｐｌａｎｓ               ａｎｄ               ｉｎｖｅｓｔｍｅｎｔｓ               ｂｅｆｏｒｅ               ｑｕａｌｉｆｙｉｎｇ               ｆｏｒ               ａｓｓｉｓｔａｎｃｅ.

Ｍｙ               ｒｅｃｏｍｍｅｎｄａｔｉｏｎ               ｉｓ               ｎｏｔ               ｔｏ               ｄｏ               ｔｈｉｓ               ｕｎｌｅｓｓ               ａｂｓｏｌｕｔｅｌｙ               ｎｅｃｅｓｓａｒｙ               ｄｕｅ               ｔｏ               ｔｈｅ               ｈｅａｖｙ               ｐｅｎａｌｔｉｅｓ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｗｉｔｈｄｒａｗｉｎｇ               ｍｏｎｅｙ               ｆｒｏｍ               401ｋ               ｏｒ               ＩＲＡ               ｐｌａｎｓ.

Ａｄｄｉｔｉｏｎａｌｌｙ,               ｉｆ               ｙｏｕ               ｓｅｌｌ               ｙｏｕｒ               ｓｔｏｃｋｓ               ｎｏｗ,               ｙｏｕ               ｗｉｌｌ               ｐｒｏｂａｂｌｙ               ｂｅ               ｓｅｌｌｉｎｇ               ｆｏｒ               ｆａｒ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅ               ｐｕｒｃｈａｓｅ               ｐｒｉｃｅ               ｏｆ               ｙｏｕｒ               ｓｔｏｃｋ.

Ｎｏｒｍａｌｌｙ               ｔｈｉｓ               ｗｏｕｌｄ               ｒｅｓｕｌｔ               ｉｎ               ａ               ｔａｘ               ｗｒｉｔｅ-ｏｆｆ,               ｂｕｔ               ｗｉｔｈｏｕｔ               ｉｎｃｏｍｅ               ｔｈｅ               ｗｒｉｔｅ-ｏｆｆ               ｗｏｕｌｄ               ｂｅ               ｗｏｒｔｈｌｅｓｓ.

Ｔｈｅ               ｂｏｔｔｏｍ               ｌｉｎｅ               ｉｓ               ｔｈａｔ               ｉｆ               ｙｏｕ               ｎｅｅｄ               ｔｈｅ               ｍｏｎｅｙ,               ｗｉｔｈｄｒａｗ               ｉｔ               ａｎｄ               ｔａｋｅ               ｔｈｅ               ｐｅｎａｌｔｙ.
               Ｍａｎｙ               ｅｍｐｌｏｙｅｅｓ               ｗｉｌｌ               ｑｕａｌｉｆｙ               ｆｏｒ               ＣＯＢＲＡ               ｒｉｇｈｔｓ               ｕｎｄｅｒ               ｔｈｅｉｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｐｌａｎ.

Ｕｎｄｅｒ               ＣＯＢＲＡ,               ｙｏｕ               ｃａｎ               ｃｏｎｔｉｎｕｅ               ｙｏｕｒ               ｅｍｐｌｏｙｅｅ               ｈｅａｌｔｈ               ｐｌａｎ               ｆｏｒ               ｕｐ               ｔｏ               18               ｍｏｎｔｈｓ.

Ｔｈｅ               ｐｒｏｂｌｅｍ               ｉｓ               ｔｈａｔ               ｕｎｄｅｒ               ＣＯＢＲＡ,               ｙｏｕ               ｍｕｓｔ               ｐａｙ               ｔｈｅ               ｅｎｔｉｒｅ               ｃｏｓｔ               ｏｆ               ｔｈｅ               ｐｌａｎ               ｐｌｕｓ               ａ               2%               ａｄｍｉｎｉｓｔｒａｔｉｖｅ               ｆｅｅ.

Ｓｉｎｃｅ               ｍｏｓｔ               ｅｍｐｌｏｙｅｒｓ               ｐａｙ               ａ               ｐｏｒｔｉｏｎ               ｏｆ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｒｅｍｉｕｍｓ               ｗｈｉｌｅ               ｙｏｕ               ａｒｅ               ｅｍｐｌｏｙｅｄ,               ｔｈｅ               ｔｏｔａｌ               ｃｏｓｔ               ｏｆ               ｙｏｕｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｗｉｌｌ               ｌｉｋｅｌｙ               ｂｅ               ｍｏｒｅ               ｅｘｐｅｎｓｉｖｅ               ｔｈａｔ               ｗｈａｔ               ｙｏｕ               ｐａｉｄ               ｉｎ               ｔｈｅ               ｐａｓｔ.

Ｔｈｒｏｕｇｈ               ｔｈｅ               ｅｎｄ               ｏｆ               2009,               ｔｈｅｒｅ               ｉｓ               ａ               ｆｅｄｅｒａｌ               ｓｕｂｓｉｄｙ               ｏｆ               65%               ｏｆ               ｔｈｅ               ＣＯＢＲＡ               ｐｒｅｍｉｕｍ.
               Ｗｈｅｎ               ｄｅｃｉｄｉｎｇ               ｗｈｅｔｈｅｒ               ｔｏ               ｐｕｒｃｈａｓｅ               ｉｎｓｕｒａｎｃｅ               ｕｎｄｅｒ               ＣＯＢＲＡ,               ｃｏｎｓｉｄｅｒ               ｓｅｖｅｒａｌ               ｆａｃｔｏｒｓ.

Ｆｉｒｓｔ,               ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎ,               ｙｏｕ               ｓｈｏｕｌｄ               ｐｒｏｂａｂｌｙ               ｐｕｒｃｈａｓｅ               ｔｈｅ               ＣＯＢＲＡ               ｉｎｓｕｒａｎｃｅ.

Ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎｓ               ｍａｙ               ｍａｋｅ               ｉｔ               ｄｉｆｆｉｃｕｌｔ               ｔｏ               ｏｂｔａｉｎ               ｉｎｄｉｖｉｄｕａｌ               ｈｅａｌｔｈ               ｐｌａｎｓ.
               Ｓｅｃｏｎｄ,               ｃｏｎｔａｃｔ               ｌｏｃａｌ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ａｇｅｎｔｓ               ｔｏ               ｏｂｔａｉｎ               ａ               ｑｕｏｔｅ               ｆｏｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ.

Ｄｏｎ'ｔ               ｔｒｙ               ｔｏ               ｒｅｐｌｉｃａｔｅ               ｙｏｕｒ               ｅｍｐｌｏｙｅｒ-ｐａｉｄ               ｇｒｏｕｐ               ｐｌａｎ.

Ｌｏｏｋ               ｆｏｒ               ａ               ｓｉｍｐｌｅ               ｍａｊｏｒ               ｍｅｄｉｃａｌ               ｐｌａｎ               ｗｉｔｈ               ａ               ｄｅｄｕｃｔｉｂｌｅ               ｔｈａｔ               ｉｓ               ａｓ               ｈｉｇｈ               ａｓ               ｙｏｕ               ｃａｎ               ａｆｆｏｒｄ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ｐｒｅｓｃｒｉｐｔｉｏｎｓ               ｔｈａｔ               ｙｏｕ               ｍｕｓｔ               ｔａｋｅ,               ｄｏ               ｌｏｏｋ               ａｔ               ｔｈｅ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｃｏｖｅｒａｇｅ               ｏｒ               ｓｈｏｐ               ａｒｏｕｎｄ               ｆｏｒ               ａ               ｓｅｐａｒａｔｅ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｄｉｓｃｏｕｎｔ               ｃａｒｄ.
               Ａ               ｆｉｎａｌ,               ｂｕｔ               ｎｏｔ               ｔｒｉｖｉａｌ,               ｃｏｎｓｉｄｅｒａｔｉｏｎ               ｉｓ               ｍａｉｎｔａｉｎｉｎｇ               ｔｈｅ               ｗｉｌｌ               ｔｏ               ｓｕｒｖｉｖｅ.

Ａｎｔｉｃｉｐａｔｅ               ｔｈｅ               ｆｅａｒ               ａｎｄ               ｄｅｐｒｅｓｓｉｏｎ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｆａｃｅ               ｉｎ               ｔｈｅ               ｃｏｍｉｎｇ               ｍｏｎｔｈｓ.

Ｔｒｙ               ｔｏ               ｓｔａｙ               ｐｏｓｉｔｉｖｅ.

Ｄｏ               ｎｏｔ               ｔｒｙ               ｔｏ               ｃａｒｒｙ               ｔｈｅ               ｗｈｏｌｅ               ｌｏａｄ               ｙｏｕｒｓｅｌｆ.

Ｒｅｌｙ               ｏｎ               ｙｏｕｒ               ｆｒｉｅｎｄｓ               ａｎｄ               ｆａｍｉｌｙ.

Ｍｉｌｉｔａｒｙ               ｓｕｒｖｉｖａｌ               ｍａｎｕａｌｓ               ｓｔｒｅｓｓ               ｔｈｅ               ｎｅｅｄ               ｔｏ               ｕｓｅ               ｔｈｅ               ｂｕｄｄｙ               ｓｙｓｔｅｍ               ｔｏ               ｐｒｅｖｅｎｔ               ｐａｎｉｃ               ａｎｄ               ｃａｐｉｔａｌｉｚｅ               ｏｎ               ｇｒｏｕｐ               ｓｔｒｅｎｇｔｈ.
               Ｔｈｅ               ｍｉｌｉｔａｒｙ               ｓｕｒｖｉｖａｌ               ｍａｎｕａｌｓ               ａｌｓｏ               ｓｕｇｇｅｓｔ               ｓｐｉｒｉｔｕａｌ               ａｖｅｎｕｅｓ               ｔｏｗａｒｄ               ｍａｉｎｔａｉｎｉｎｇ               ｙｏｕｒ               ｍｅｎｔａｌ               ｓｔｒｅｎｇｔｈ               ａｎｄ               ｗｉｌｌ               ｔｏ               ｓｕｒｖｉｖｅ.

Ｐｒａｙ               ａｎｄ               ｒｅｍｅｍｂｅｒ               ｔｈｅ               ｔｉｍｅｓ               ｔｈａｔ               Ｇｏｄ               ｈａｓ               ｈｅｌｐｅｄ               ｙｏｕ               ｏｖｅｒｃｏｍｅ               ａｄｖｅｒｓｉｔｙ               ｉｎ               ｔｈｅ               ｐａｓｔ.

Ｓｅｅｋ               ｆｅｌｌｏｗｓｈｉｐ               ｉｎ               ａ               ｌｏｃａｌ               ｃｈｕｒｃｈ.

Ａｔｔｅｎｄｉｎｇ               ｓｅｒｖｉｃｅｓ,               ｓｉｎｇｉｎｇ,               ａｎｄ               ｔａｌｋｉｎｇ               ｔｏ               ｐｅｏｐｌｅ               ｃａｎ               ｈｅｌｐ               ｔｏ               ｂｏｏｓｔ               ｙｏｕｒ               ｍｏｒａｌｅ.

Ａｂｏｖｅ               ａｌｌ,               ｔｒｕｓｔ               Ｇｏｄ               ａｎｄ               ｙｏｕｒ               ｆａｍｉｌｙ               ｔｏ               ｈｅｌｐ               ｓｅｅ               ｙｏｕ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｃｒｉｓｉｓ.
               Ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ｃｒｉｓｉｓ               ｉｓ               ｎｏｔ               ｐｅｒｍａｎｅｎｔ,               ｅｉｔｈｅｒ               ｆｏｒ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｏｒ               ｙｏｕｒ               ｆａｍｉｌｙ.

Ｂｅｔｔｅｒ               ｔｉｍｅｓ               ｗｉｌｌ               ｒｅｔｕｒｎ.

Ｙｏｕｒ               ｍｏｓｔ               ｉｍｍｅｄｉａｔｅ               ｊｏｂ               ｉｓ               ｔｏ               ｐｒｅｓｅｒｖｅ               ｙｏｕｒ               ｆａｍｉｌｙ               ａｎｄ               ａｓ               ｍｕｃｈ               ａｓ               ｐｏｓｓｉｂｌｅ               ｏｆ               ｗｈａｔ               ｙｏｕ               ｈａｖｅ               ｗｏｒｋｅｄ               ｆｏｒ               ｕｎｔｉｌ               ｔｈａｔ               ｄａｙ               ｃｏｍｅｓ.
               Ｓｏｕｒｃｅｓ:
               ｗｗｗ.ｄａｖｅｒａｍｓｅｙ.ｃｏｍ
               ｈｔｔｐ://ｗｗｗ.ｉｎｓｕｒｅ.ｃｏｍ/ａｒｔｉｃｌｅｓ/ｈｅａｌｔｈｉｎｓｕｒａｎｃｅ/ｃｏｂｒａ.ｈｔｍｌ
               ｈｔｔｐ://ｗｗｗ.ｅｑｕｉｐｐｅｄ.ｏｒｇ/ｍｕｌｔｉｓｅｒｖｉｃｅ_ｓｅｒ_ｍａｎｕａｌ_1999.ｐｄｆ
               Ａｉｒ               Ｌａｎｄ               Ｓｅａ               Ａｐｐｌｉｃａｔｉｏｎ               Ｃｅｎｔｅｒ,               Ｓｕｒｖｉｖａｌ,               Ｅｖａｓｉｏｎ,               ａｎｄ               Ｒｅｃｏｖｅｒｙ,               ＵＳ               Ｇｏｖｅｒｎｍｅｎｔ,               Ｊｕｎｅ               1999,               Ａｐｐｅｎｄｉｘ               Ａ
               ｈｔｔｐ://ｗｗｗ.ｆｅｄｅｒａｌｒｅｓｅｒｖｅ.ｇｏｖ/ｂｏａｒｄｄｏｃｓ/ｓｕｐｍａｎｕａｌ/ｃｃｈ/200601/ｆａｉｒｄｅｂｔ.ｐｄｆ






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      11. Debt Collection Jobs - Blog Homepage Results

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