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|-|===Agricultural Projects=== |+|
|-|===Building Projects=== |+|
|-|[http://other90.cooperhewitt.org/design/?c=shelter Design for the Other 90% - Shelter] |+|
|-|[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. |+|
|-|===Education Projects=== |+|
|-|[http://other90.cooperhewitt.org/design/?c=education Design for the Other 90% - Education] |+|
to the . in from to to .
|-|===Environment Projects=== |+|
|-|[http://www.ewb- usa. com/projects. php Engineers Without Borders - USA] - ''Open Projects'' <br> |+|
|-|"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. " |+|
. . the
|-|===Health Projects=== |+|
|-|[http://other90. cooperhewitt. org/design/?c=health Design for the Other 90% - Health] |+|
. . with and money
|-|===IT Projects=== |+|
|-|===Small Business Projects=== |+|
to the . a on .
|-|====Micro Grants==== |+|
|-|[http://www. kiva. org/ Kiva] - Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva. org, you can "sponsor a business" and help the world' s working poor make great strides towards economic independence. Throughout the course of the loan (usually 6- 12 months), you can receive email journal updates from the business you 've sponsored. As loans are repaid, you get your loan money back. |+|
, you the '. the of
|-|====Web Based Resource Education==== |+|
the you . are , your .
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.
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.
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