In early 2019, the credit card balance that Americans carry from month to month rose to $423.8 billion. Many Americans get in a bind and use their credit cards to pay for everyday expenses including their electric bills, clothes and other essentials.

One wrong move and the house of cards can come tumbling down. Many Americans use the risky move of paying one credit card payment with another credit card. One of the major dangers of paying a credit card payment with another credit card is that the principle on the card never decreases and the debt continues to mount.

Many credit card companies will not allow debtors to pay their credit card payment with another credit card. If you’ve got into debt and creditors are suing you, you may feel stuck and worried without a clue what to do. Continue reading this article to learn the five reasons you should hire a debt collection attorney.

Must-Know Information Regarding Debt Collection Attorneys

If you’ve been looking over websites like https://www.mccarthylawyer.com, you may be wondering if there are benefits to hiring a debt lawyer.

Can’t you just deal with the problem on your own instead of incurring fees from an attorney? The following information will help you understand the benefits so you can make a decision about what is right for you.

1. Deal with the Problem Quickly

Depending on the state that you live in, you may only have a few days to reply to a lawsuit. When you view the lawsuit, you’ll be able to see how much time you have to reply.

If you ignore it and don’t respond to the lawsuit, the court is likely to put a judgment against you. Contacting an attorney will allow you to get started on your case quickly while you go about your life as normal taking care of your family and working your job.

Many attorneys allow you to come in for a free consultation to make sure they are able to help you with their case.

2. No Second Guessing Your Decisions

When you’re getting letters from attorneys and being serviced with papers, it can be extremely scary. You may also be second-guessing every decision that you make. When you work with a debt attorney, you don’t have to make your decisions based on your limited knowledge.

When you work with a qualified attorney, you’ll be able to consult with them and take advice from someone that knows the laws of your area in and out.

Make sure you hire a reputable attorney to get the best results — more on that later.

3. Possibility to Pay Less Than You Owe

You might be thinking that working with an attorney is just going to be another bill that you have to carry. While attorneys do charge you to take care of your case, that doesn’t mean it will cost you more to work with them.

If you have a valid defense against the creditor like unfair collection practices or some other infraction against the law, you are likely to come out paying less than you would without an attorney.

You must be totally open and honest with the attorney to make sure they understand your case fully before they take it on. If they believe they can help you and still get a good payday out of the case, they will take your case on.

4. Get Your Credit Back on Track

The sooner you start taking care of your debt, the sooner you’ll be able to get your credit on track. Bankruptcy, judgments, liens, late payments, high credit card utilization and other similar marks on your credit make you look like an undesirable debtor.

The sooner you start working with an attorney on your case, the sooner you’ll be able to start getting your credit back on track. Even if your credit shows that you got into some trouble, it is going to be better for you if it shows that you’ve taken care of your debt.

5. Avoid Monthly Debt Settlement Company Fees

When you start struggling with debt, you are likely to come across debt settlement companies that claim they can help you get out of trouble. Most of these companies claim they will be able to negotiate with your creditors to get them to take less money than you owe them.

The only problem is that the debt settlement company has no true power to make these creditors do anything. You may work with these settlement companies and never get the results that you want.

These companies are not held to high standards like attorneys are which could mean that you find yourself working with less than desirable companies.

If you work with a debt settlement company, most of these companies will advise you to pay them instead of your creditors as you work with them. If you do this, you will notice that your credit score begins to suffer more and more.

You’ll be told to save your money to a recommended amount to offer a lump sum to these creditors. Since the sum is less than you owe, the settlement company say this is the value they offer to you. In truth, you could negotiate your own settlement while still paying your creditors, in most cases.

Attorneys will not charge you monthly fees in hopes they will be able to negotiate with your creditors to allow you to pay less money than you owe. They will use the law to help you get out of trouble.

How to Find a Good Debt Collection Attorney

You shouldn’t trust just anyone with your case. You need to make sure the person that you’re dealing with is a reputable attorney. There are some things you can do to make sure the attorney of your choice is one that gets good results and is trustworthy.

Start Out the Old-Fashioned Way

Sometimes the old ways are the best ways to get things done. Speak to your friends and family as well as any professionals that you know and ask them for a referral.

Who have they worked with or do they at least know of someone that has worked with a debt collection attorney? Knowing someone that has personal experience with this attorney will allow you to rest easy that you’re making a good decision.

You may not know anyone that can give you a referral in your area. If that is the case then you should follow the tips below.

Researching Attorneys

Since you don’t know anyone that has experience with an attorney, you need to do some research.

Look at online review sites to see what people are saying about different attorneys. Don’t just go with the first attorney that you find. Set up meetings with at least a couple of attorneys.

When you get to your meeting with the attorney, have a list of questions to ask them so you can get a feel of which person is going to be your best bet. Some of the questions you should ask are as follows:

• How many cases like mine have you worked on?
• How long do you foresee this case taking?
• What means of communication should I expect?
• Do you do case negotiation yourself or give it to a paralegal to do?

Once you ask these questions, you can get an idea of how they would work with you and which options sound like the best for you. If you don’t want an update every time something changes with your case, it might not be a deal breaker if they don’t update you all of the time. Some people want to know every step of the way and in their case, it would be a deal breaker.

After you find an attorney that you think would be a good option, ask them for references from their previous clients. You don’t want to only read reviews from their site but you want to speak with a real person on the phone to hear about their experience.

Now you know how to choose a great attorney and how they can help you with your debt challenge and it is time to get it taken care of.

Keep Your Family Together After Debt Challenges

It’s no secret that financial problems can tear a family apart. The stress of creditors calling, liens and garnishments can cause stress and frustration with even the strongest couples.

Having a debt collection attorney to help you through the process is helpful but you might need further help. We understand what it is like to go through this scary time.

Read through our other blog posts today for helpful tools and products for your family as you’re recovering from debt.

Did you know that people move at least 11 times in their lifetime?

Do you know why?

Because they don’t live in Idaho!

Idaho provides a mix of big, metropolitan cities as well as rural, isolated countrysides and mountainous terrains. With plenty of outdoor recreational options on one side of the spectrum and safe, big-city experience on the other, what’s not to love.

For those who want a little of both, many Idaho cities are within an hour of great outdoor destinations.

If you haven’t considered moving to Idaho yet, now is the time!

Benefits of Moving to Idaho

As we have already precluded to, Idaho boasts the best of both worlds – inner-city nightlife, activities, and job opportunities, as well as big outdoor recreational fun. 

However, here are some other factors to consider.

1. Cost of Living

Compared to the other states on the western side of America, Idaho has an incredibly low cost of living. For example, the cost of living in Boise is 8% lower than the national average.

This makes moving to Idaho an ideal choice for new and growing families trying to get a head start in life. 

2. A Great Place to Raise a Family

Moving to Idaho is a fantastic idea for those looking to raise a family.

Cities in Idaho such as Boise, Middleton, Moscow, Rexburg, and Meridian offer safety along with plenty of job opportunities.

Depending on which of these cities you look at, you could have a lively city life or a quiet rural life. Each city offers solid educational opportunities for your children, as well as fun activities for the whole family.

For more on these cities and why they are great locations to raise a family, this post helps explain it.

3. Eco-Friendly Cities

Cities like Boise, Moscow, and Coeur d’Alene are setting the bar high for environmentally conscious cities. 

These cities encourage open-minded thinking and sustainable living practices. In Boise, for example, the city has received rewards for its environmental sustainability efforts. The city also makes a point of recognizing local business putting forth a green effort.

4. Outdoor Recreation

If backpacking, kayaking, white-water rafting, horseback riding, camping, hiking, and mountain biking sound like fun to you, Idaho is the place to be.

With endless outdoor recreation options, Idaho is a destination spot for tourists and outdoor enthusiasts alike. 

There are also natural attractions unique to Idaho, such as Hell’s Canyon, the Shoshone Falls, caves, hot springs, and sand dunes, to name a few.  

Moving to Idaho puts you right in the middle of enough the outdoor experiences to last you a lifetime.

5. Job Opportunities

Finally, in an ever-changing economy, moving to Idaho will place you in the center of a high job opportunity state.

Idaho is highly ranked in low unemployment rates, job growth, and job opportunities. Simply put, it’s a great place for job security.

What Do You Have to Lose?

If you’re considering moving to Idaho, you have a bright path in front of you full of adventure, beauty, and happiness. 

Where ever you choose to plant your roots, Idaho is a fantastic state. 

Start looking now, what do you have to lose?

Palm oil is in over half of our packaged foods we buy. It has been known that people do not know a whole lot about palm oil, however, I am here to fill you in on everything you need to know.

What exactly is palm oil? It is an oil used for cooking and household food preparations. Palm oil has lots of positive benefits. Palm oil has a string resistant to oxidation, which improves the shelf life longer, causing it to not spoil as fast. Along with its resistances, it also brings out the flavor in foods it is cooked with, the make the tastes very enjoyable. Some of the things you can cook with palm oil are Better for you chicken nuggets, truffle & herb-spiked cheese potatoes, and baked sweet potato fries. They all taste so delicious when using the palm oil to pre the food and to cook it in.

Malaysia is a trusted supplier of certified sustainable palm oils. Palm oil has been the most primary contributors towards economic development in Malaysia. Since planting palm oil Malaysia has thrived economically and with employment. Palm oil has been used to help raise rural income, and the standard of living.

Here is a recipe that requires Palm Oil that is one of my favorites.

Heirloom Tomato Salad with Dill Yoghurt

• 8 types x 4 heirloom tomatoes

For Dill Yoghurt

• 250 ML fresh yogurt
• 1 tsbp fresh lemon juice
• 1 bunch clean fresh dill

To make dill yogurt, whisk all ingredients together. Store chilled in the fridge until needed.
Meanwhile, cut each tomato into different shapes. Place them in whatever design you fancy on your plate, then serve with dill yogurt.
I become aware of this recipe in the book called “Back to Basics Culinary Delights with Palm Oil” by MPOC. In this book, it has many recipes you can try out!

Soft and Care Cushion Seat

We all have that favorite chair. It’s usually the one that’s the newest and the cushions haven’t been sat on for so much that it remembers you more than you’d like it to. Especially at work. You finally get that new chair and it sits great for like 3-4 months. Then you start noticing your back and bum hurting again because its no longer has the cushion to support them. I’ve been there. Working in the office 8-5 spending most of my day in a single chair, you at least want to be comfortable and not get up without hurting.

Thankfully I got my soft and care cushion set to office chair back in place I enjoy sitting at.

When I started using the soft and care I immediately noticed the back support. The lower back pain that came from sitting effectively on plastic was no longer there. And when I got up my rear end no longer hurt. The memory foam really makes it comfortable to sit for hours on end and not feel like that when I get up. Unlike my previous seat paddings which were usually some form of leather, the breathable material in the case keeps it so I don’t sweat the pressure that comes from sitting for long periods. The iPhone or mp3 slip on the back piece makes it easy for me to listen to my music without having the cords stretch across my hands and keyboard, interrupting my typing. And with the straps, I can clip it all together and take it with me on trips. Adding the soft and care cushions immediately upgrades any seat into that perfect feeling chair. If you’re having back and bum pains from sitting hours on end in an uncomfortable chair, I highly recommend you get soft and care cushion. Sitting down will no longer be a dreaded experience.

This is a sponsored post but these thoughts are opinions are my own.

One of the most important things to be successful and successes in life is to be organized. I enjoy knowing where everything it at, knowing everything looks nice and I feel as if I sleep better at night knowing I am prepared for what is thrown at me. This is one of the reasons why I LOVE the Premium Car Truck Organizer. It fits perfectly in the back of my car, and it’s a perfect size. I can fit folders and binders for my work, have enough room for my first aid kit, and anything extra I will need for the day.

This truck organizer costs only $19.95 and it has a lifetime warranty. It is made from some of the best material for storage. It can hold up to 100 lbs causing it not to tear, rip, or break easily. I love how I do not have to worry about what I put in here! With work being hectic sometimes I need to travel with a lot of binders and folders but having this organizer I’m confident that it will not spill, or tip over causing a big mess.
Now I am not the best driver, sometimes taking the curves a little sharper than I should (but who doesn’t?) and I have never seen this car-truck organizer slide or fall over. It has these amazing anti-slip grips that help with sliding making sure everything you have in the organizer stays put.
Being very flexible its easy to fit into smaller trucks. You can fold up one side if it is too long for your car, making it shorter. If you need to move stuff into your trunk it is easy to maneuver around making space for whatever else you needed. I highly recommend this to anyone looking for a great product to stay organized!!