Project Ideas

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m (Created page with "Debt settlement isn't the same as credit counseling or even a Debt Management Plan (DMP). It could be very dangerous and have a long term negative effect on your credit report an...")
 
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==Ideas==
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Debt settlement isn't the same as credit counseling or even a Debt Management Plan (DMP). It could be very dangerous and have a long term negative effect on your credit report and, consequently, your power to get credit. Thats why several states have laws regulating debt mediation companies and the services they offer.  
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===Map Projects===
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[http://mappc.org Mappc Wiki] A collaborative project designed to showcase Peace Corps Volunteers and Returned Peace Corps Volunteers Maps and Projects.
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-Cheers Will
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[http://www.chrisdelcher.carbonmade.com] A collection of maps made by Peace Corps volunteers. 
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The States
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-Chris Delcher (El Salvador, 1998-2000)
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== Sustainable Tech Wiki ==
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Theyre non-profit may be claimed by debt negotiation firms. They also may claim that they can arrange for your unsecured debt usually, credit card debt to be paid down for anywhere from 10 to 50 % of the balance owed. For example, if you owe $10,000 on a bank card, a debt settlement company may claim it may plan for you to pay off the debt with a smaller amount, say $4,000.
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http://www.appropedia.org/
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As an alternative to bankruptcy their services are often pitched by the firms. They could state that employing their services will have little or no negative effect on your power to get credit in the potential, or that any negative information can be taken from your credit report once you complete your debt negotiation plan. The organizations frequently tell you to prevent making payments to creditors and instead, deliver your payments to your debt settlement business. The organizations may offer to hold your resources in a particular account and pay the creditors for you.  
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===Agricultural Projects===
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The Facts
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[[Seeders Program]] - The Seeders program works to exchange forestry and agricultural seeds between volunteers in Panama.
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Just because a debt settlement company describes itself as a business, theres no assurance that the services they provide are genuine. There is also no assurance that the lender will accept partial payment of a legitimate debt. In every month fact, in the event that you stop making payments on a credit card, interest and late charges are often included with the debt.  
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===Engineering & Architecture Projects===
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If your credit limit is exceeded by you, costs and extra fees may also be included. All this can very quickly result in a customers initial debt to double or triple. Whats more, many debt discussion businesses cost people large costs for their services, including a fee to ascertain the bill with the debt negotiator, a assistance fee, and one last fee of a portion of the money youve supposedly saved.
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[http://other90.cooperhewitt.org/design/?c=energy Design for the Other 90% - Energy]
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[http://other90.cooperhewitt.org/design/?c=shelter Design for the Other 90% - Shelter]
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While lenders have no obligation to agree to negotiate the total amount a consumer owes, they've a legal obligation to provide accurate information to the credit scoring agencies, including your failure to create monthly payments. That will cause a negative entry on your credit file.  
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[http://other90.cooperhewitt.org/design/?c=transport Design for the Other 90% - Transportation]
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And in certain situations, collectors may have the proper to sue you to recover the money you owe. Occasionally, when collectors win a lawsuit, they've the right to garnish your wages or put a mortgage in your house. Eventually, the Inner Revenue Service may possibly consider any level of forgiven debt to be taxable income.
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[http://www.ewb-usa.com/projects.php Engineers Without Borders - USA] - ''Open Projects'' <br>
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Tip-offs to Rip-offs
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"EWB-USA is committed to designing and implementing engineering projects in developing communities around the world.  There is great need in areas ranging from renewable energy to clean water to sustainable enterprise development."
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[http://www.openarchitecturenetwork.org/ Open Architecture Network] - The Open Architecture Network is an online, open source community dedicated to improving living conditions through innovative and sustainable design.
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Steer clear of debt negotiation organizations that:  
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===Education Projects===
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- promise they are able to eliminate your unsecured debt
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====General====
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[http://other90.cooperhewitt.org/design/?c=education Design for the Other 90% - Education]
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====e-Learning====
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===Environment Projects===
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- guarantee that unprotected debts could be reduced with pennies on the dollar
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[[Seeders Program]] - The Seeders program works to exchange forestry and agricultural seeds between volunteers in Panama.
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[http://www.panamaverde.org/ Panama Verde] - Panama
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- need considerable monthly service fees
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===Health Projects===
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- demand payment of a percentage of savings
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====General====
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[http://other90.cooperhewitt.org/design/?c=health Design for the Other 90% - Health]
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====Water====
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[http://other90.cooperhewitt.org/design/?c=water Design for the Other 90% - Water]
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===IT Projects===
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===Small Business Projects===
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====Small Enterprise Development (SED)====
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[http://www.kiva.org/ Kiva] - Kiva lets you connect with and loan money to unique small businesses in the developing world.  By loaning a business money on Kiva.org, you help the world's working poor make strides towards economic independence.  Throughout the course of the loan (usually 6-24 months), you receive email journal updates from the business you've sponsored. Once the loans are repaid, you get your money back. Volunteers are encouraged to apply to become a Kiva Fellow, field partners who work with Microfinance Institutions (MFI's) to help train local entrepreneurs.
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[http://www.ashoka.org/ Ashoka] - Ashoka's mission is to shape a citizen sector that is entrepreneurial, productive and globally integrated, and to develop the profession of social entrepreneurship around the world. Ashoka identifies and invests in leading social entrepreneurs - extraordinary individuals with unprecedented ideas for change in their communities - supporting them, their ideas and institutions through all phases of their careers. Ashoka Fellows benefit from being part of the global Fellowship for life. Volunteers can [http://www.ashoka.org/fellows/social_entrepreneur.cfm/ apply] to become social entrepreneurs.
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- let you know to stop making payments to or communicating with creditors
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[http://www.microfinancegateway.org/ Microfinance Gateway] - The Microfinance Gateway is the most comprehensive online resource for the microfinance industry. It includes research and publications, specialized resource centers, organization and consultant profiles, and the latest news, events, and job opportunities in microfinance.
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- need you to make monthly payments to them, as opposed to with your creditor
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[http://www.socialedge.org/ Social Edge] - On-Line resource for entrepreneurs
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- declare that collectors never sue consumers for non-payment of credit card debt
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[http://www.accion.org/ Accion] - A microlending organization active in Latin America, the Caribbean and Africa.
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- offer that utilizing their system will have no negative affect your credit report
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[http://www.microenterpriseworks.org/ Association For Enterprise Opportunity] - A membership-based organization for those involved in supporting microenterprise development.
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- declare that they can remove accurate negative information from your credit history.  
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[http://www.microjournal.com/ Journal of Microfinance] - A forum for the sharing of ideas and information pertaining to the practice of microfinance and microenterprise development, from Brigham Young University.
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Be sure to take a look with a state Attorney General, local consumer protection agency, and the Greater Business Bureau, if you decide to work with a debt mediation organization. They could let you know if any consumer complaints are on file in regards to the agency youre considering using the services of. Also, consult your state Attorney General if the business is needed to be licensed to work in your state and, if therefore, whether it is. [http://www.prweb.com/releases/2013/3/prweb10544152.htm address]
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[http://www.mip.org/ MicroEnterprise Innovation Project] - USAID’s initiative to support technical and financial assistance, research and training on best practices in microenterprise development and finance.
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[http://www.mrreporting.org/ USAID-related Sites]
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[http://www.bplans.com/ Business Plans] - Business planning tools and resources- includes several links
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====Web Based Resource Education====
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[[peacewiki]] Peace Corps's internal wiki for volunteer project coordination.
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[[category:projects]]
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Latest revision as of 04:48, 19 April 2013

Debt settlement isn't the same as credit counseling or even a Debt Management Plan (DMP). It could be very dangerous and have a long term negative effect on your credit report and, consequently, your power to get credit. Thats why several states have laws regulating debt mediation companies and the services they offer.

The States

Theyre non-profit may be claimed by debt negotiation firms. They also may claim that they can arrange for your unsecured debt usually, credit card debt to be paid down for anywhere from 10 to 50 % of the balance owed. For example, if you owe $10,000 on a bank card, a debt settlement company may claim it may plan for you to pay off the debt with a smaller amount, say $4,000.

As an alternative to bankruptcy their services are often pitched by the firms. They could state that employing their services will have little or no negative effect on your power to get credit in the potential, or that any negative information can be taken from your credit report once you complete your debt negotiation plan. The organizations frequently tell you to prevent making payments to creditors and instead, deliver your payments to your debt settlement business. The organizations may offer to hold your resources in a particular account and pay the creditors for you.

The Facts

Just because a debt settlement company describes itself as a business, theres no assurance that the services they provide are genuine. There is also no assurance that the lender will accept partial payment of a legitimate debt. In every month fact, in the event that you stop making payments on a credit card, interest and late charges are often included with the debt.

If your credit limit is exceeded by you, costs and extra fees may also be included. All this can very quickly result in a customers initial debt to double or triple. Whats more, many debt discussion businesses cost people large costs for their services, including a fee to ascertain the bill with the debt negotiator, a assistance fee, and one last fee of a portion of the money youve supposedly saved.

While lenders have no obligation to agree to negotiate the total amount a consumer owes, they've a legal obligation to provide accurate information to the credit scoring agencies, including your failure to create monthly payments. That will cause a negative entry on your credit file.

And in certain situations, collectors may have the proper to sue you to recover the money you owe. Occasionally, when collectors win a lawsuit, they've the right to garnish your wages or put a mortgage in your house. Eventually, the Inner Revenue Service may possibly consider any level of forgiven debt to be taxable income.

Tip-offs to Rip-offs

Steer clear of debt negotiation organizations that:

- promise they are able to eliminate your unsecured debt

- guarantee that unprotected debts could be reduced with pennies on the dollar

- need considerable monthly service fees

- demand payment of a percentage of savings

- let you know to stop making payments to or communicating with creditors

- need you to make monthly payments to them, as opposed to with your creditor

- declare that collectors never sue consumers for non-payment of credit card debt

- offer that utilizing their system will have no negative affect your credit report

- declare that they can remove accurate negative information from your credit history.

Be sure to take a look with a state Attorney General, local consumer protection agency, and the Greater Business Bureau, if you decide to work with a debt mediation organization. They could let you know if any consumer complaints are on file in regards to the agency youre considering using the services of. Also, consult your state Attorney General if the business is needed to be licensed to work in your state and, if therefore, whether it is. address

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