Debt Negotiation Tips – Legal Options to Avoid Paying Back Credit Card Debt

There is a right way and a wrong way to accomplish a task. Similarly, there are legitimate and illegitimate ways of attaining liability relief. If you are disturbed because you have not paid your unsecured bill, you are not the only one falling in this category. Millions of Americans are facing the same problem. There are several legal organizations providing effective debt negotiation tips. You can search online for these companies. Liability settlement is one of the key ways to settle credit card dues. You have to hire a firm which represents you and talks to your creditor. At times, more than one negotiation session is held to extract a result which is suitable for both sides.

1. Do you know that your payable amount increases by more than hundred percent due to interest payments? One of the important debt negotiation tips is to apply for the elimination of these costs. This is the first move which is made by an expert consultant. He applies for the exemption of interest charges. In this way, his client has to pay a much smaller sum to the bank. However, these charges are not exempted if you sign an internal agreement with the money granting firm.

2. Bulk consolidation companies claim to provide the most helpful debt negotiation tips. Bulk consolidation is a legitimate option but most companies providing it are counterfeiters. They extract payments from a lot of loan takers and then vanish.

3. Debt consolidation is one of the legal options. How does this option work and why do loan takers prefer it? Liability consolidation refers to the combination of liabilities. This alternative is only applicable if you are using more than one liability. This may be a combination of both secured and unsecured ones. According to some debt negotiation tips, you cannot go for consolidation if you have only one liability on your head.

How do you search for the right debt negotiation tips? This is a very important question. It is obvious that most of us search online for this purpose. However, an endless collection of content is available on the internet and it is not possible for a loan taker to scan through it.

You can look for some helpful social portals. Different loan takers discuss the best debt negotiation tips through these communities. Apart from that, you can hire a private counselor for this purpose.

Registry Cleaners – Rip Off?

Do Registry Cleaners offer value for money or are they just another scam?

Type “Registry” into a search engine and you will find countless testimonials, reviews and recommendations for “Registry Cleaners”. This article is different. We challenge the wide spread conception that “Registry Cleaners” are beneficial for Windows based operating systems.


There are many web sites that promote registry cleaner software and the benefits. Almost all have a commercial interest in doing so (e.g. software manufacturers or affiliate marketers). Search engines are flooded with sites and advertisements trying to persuade people to buy these products.

It is very difficult to find objective and substantiated information on-line regarding the true technical benefits or registry cleaners. The lack of technical data concerned me, and prompted further investigation.

In this article I offer an alternative view (based on my preliminary research) on the real implications of buying and running registry cleaner software for Microsoft Windows.

About the registry

The registry is a large file in Microsoft Windows that is responsible for keeping track of your installed software and internal operations of Windows. It is a mystery (being totally invisible!) to a non-technical Windows user but it has attracted a reputation over the years as being responsible for computer crashes and slow downs.

Promotion & the financial opportunities

To better understand why there is heavy promotion of these products, let’s look at a typical affiliate based commission structure as follows:

A typical affiliate commission for a successful sale of one of the popular on-line products is around $31. Sell 10 (quite possible in a day!), and you make $310. Not bad!

Anyone can set up a website, apply to an affiliate program and start promoting and selling these products on-line. No technical knowledge of Windows or of the registry is needed to start promotion & selling.

Marketing product claims

There are generally two benefits used to generate customer interest in these products:

1) “Fix” (e.g. error message boxes or pop-ups)


2) “Speed up” your computer

Assessment of the claims

As a Microsoft Certified Professional, here are my high level views on the benefits used to sell Registry Cleaners:

Do Registry Cleaners “Fix” your computer?

It depends what you mean by “Fix”. If you mean, for example, remove error pop-ups, then the answer is probably “Yes”. If you mean “Fix” where there is an underlying hardware problem such as a failing Hard Disk Drive (HDD), then the answer is probably “No”.

Do Registry Cleaners “Speed up” your computer?

I would suggest that the performance benefits of cleaning the registry are insignificant and would not be perceivable to an average user.

Slight performance gains may be possible by removing redundant registry keys or by defragmenting the registry file itself. However, any gains would be small particularly when comparing to other options for improving Windows performance such as optimizing virtual memory or by defragmenting the HDD.

Furthermore, there is more than anecdotal evidence available on-line that the frequent use of registry cleaner software can cause problems with Windows such as boot up problems (e.g. constant blue/black screens) and other corruption of the underlying operating system.

Conclusion – Too many question marks, dubious messages and conflicts of interest

Testing and independent validation is needed to establish the marketing benefit claims of registry cleaners. Until that time, could it be that, in many cases, these products simply don’t deliver what they promise to customers? As a “Windows Professional”, I have some specific technical questions around the area of the suggested performance gains with registry cleaners. If registry cleaners don’t deliver what they say, this opens up a whole other can of worms around the legalities of selling products that do not solve the problems that they claim to fix. Has anyone complained of not seeing performance gains from registry cleaners? (interesting..)

Selling and promoting of registry cleaner software is unregulated (i.e. anyone can do it) and so, it seems, are the marketing claims used to secure software sales.

I have put my findings so far on the Registry Cleaner market into the public domain as I believe, ethically, that customers should always have the opportunity to make informed decisions before buying. I would suggest that customers ask questions, do research and have a data backup strategy in place before running registry cleaners.

A Little Bit of Knowledge in Foreclosure is a Dangerous Thing

Concerning Foreclosure and Mortgage issues, there is nothing more dangerous than a little bit of knowledge.

There is a plethora of information on the internet about everything from widgets to rockets.
The main point of the exercise of knowledge is to be able to measure what benefit that knowledge brings back to the person who is trying to exercise that knowledge.
The universal measurement of the success of knowledge is how much money that knowledge brings in.

Now, to the person who is in foreclosure, or heading for foreclosure, how much money did you make defending people in the realm of foreclosure defense?

So what makes you think that you can defend yourself in foreclosure? Pride or more likely shortage of money will lead you along that route. But in the long run the real answer is that the professional standard practice of paying thousands of dollars up front into a Retainer Account to facilitate what seems to be a simple thing shouts back at you in rebellion and unfairness. You just do not feel comfortable.

There are very viable alternatives to the traditional route of going to your attorney, or hiring an attorney who is specialized in real estate, who you do not know. You have no knowledge of his success or prowess in the field. How much does he win, how much does he lose?
A broker knows when to use an attorney, which attorney, and how much the attorney is going to get as the going rate for the service he can perform.

There are no Free Lunches for the concept of a free lunch is a lie, unless you apply it to family inviting you for a meal. You will get what you pay for. This sounds like a simple concept to understand. But it is a very complex concept to put into practice when you are faced with so many good sounding logical advertisements and wonderful advertising out there.

Persuasive puffery is what the judge will call it and he will tell you that it is acceptable trade practice when you seek redress for your woes after you have been taken to the cleaners with your foreclosure issues.

The intelligent thinking man’s / woman’s intelligent answer to the whole problem is to use the services of a broker.

A broker can be helpful because they save their clients, time pain money and embarrassment. Not everyone has time to look at 40 defense options before purchasing. Not every buyer has the specialized knowledge or wants to interview a slew of potential defense companies before selecting one.

A broker, completes any necessary legal paperwork, obtains the appropriate signatures, and collects money from the purchaser to pay the seller. Since the buyer and seller are employing the brokerage to complete the deal, the brokerage will collect a portion of the money obtained. In some cases, a brokerage receives money from both parties. In others, the brokerage receives a commission only from the seller.

The bottom line is that a broker earns his bread by the satisfaction of the clients he has served.

On a positive note, employing a reputable broker generally means that the broker assumes responsibility and liability for the seller’s claims. Should any portion of a sale be conducted illegally, the brokerage firm must often compensate the purchaser and take legal action against the seller.

In final analysis, appointing a broker is the answer to the Foreclosure Crises that has hit our Beloved Country and Citizens.

Legal Tips – 8 Things You Should Know If You Are Being Investigated For a Crime


I don’t care if you are innocent or guilty, it is NEVER in your best interests to talk to the police. I have seen many Innocent clients screw themselves over by talking to the police. Your words, your demeanor and your physical characteristics can all be misconstrued, misinterpreted and used against you in numerous ways. No matter how innocent you are or how good you are with your words, it is highly unlikely you will be able to talk yourself out of being arrested.

Police officers love it when suspects talk to them. It gives them an opportunity to get a confession (or what they perceive to be one) out of the suspect. Once they get the confession, the case is usually closed and no more investigation is needed. Police officers will use all different types of tactics to obtain a confession. They have been known to tell individuals under investigation for crimes they have DNA evidence, when, in reality, no such evidence exists. They have professed to have an eye witness when no eye witness exists.

They have alleged to have had confessions from other co-defendants when none exist. These types of tactics have been used by officers for years to get a suspect to confess to a crime. Police officers can and will lie to you. There is nothing illegal about an officer lying to you. Do not believe a police officer if they make promises to you. If they promise not to arrest you if you talk to them, that doesn’t mean they will not charge and/or arrest you later. The district attorney or U.S. Attorney is the only person who can make enforceable deals or agreements.


Anyone you talk to (except your attorney) can be subpoenaed and forced to testify at your trial. Whether it’s your best friend, girlfriend, relative or co-worker, they can be compelled to tell the Court or the Jury what you said. On many occasions, the officer will have a friend or relative of the victim call you to confront you with the allegation. This conversation is then recorded and used against you in Court. Always expect that anyone talking to you about the allegations is recording the conversation. Law enforcement is using confidential informants more often than ever. You never know who is working with the police.


Never consent to a search of your home, car or person whether you are innocent or guilty of a criminal offense. In most cases, the officers are seeking your permission to search because they lack the probable cause necessary to obtain a warrant for the search.

If they threaten you with getting a search warrant, don’t worry. Make them get the warrant. They may not have enough evidence against you to obtain the search warrant. The harder they press for your consent, the less likely it is they have enough to get a search warrant.


If an officer comes to your house to talk to you, you are not required by law to talk to them. In many cases, the officer will ask you to step outside your home to talk. DO NOT STEP OUTSIDE YOUR HOME! They are usually doing this so they can arrest you. As long as you stay inside your home, they cannot enter to arrest you without a warrant.

Also, do not invite the officer into your home. This will allow them to arrest you and also make notes of anything they see inside your home that is in their plain view. Do not open the door. Talk through the door. If you open the door, an officer may infer that as consent to enter your home.


Do not call your family attorney. Do not call your business attorney. You need to call an experienced criminal defense attorney. Be sure they are a member of the National Association of Criminal Defense Attorneys. Make sure they devote at least 50% of their practice to criminal law. Finally, make certain they have handled the most serious of cases and have a proven track record of success at trials involving criminal charges.


If you are unfortunate enough to get arrested, demand an attorney. You must make sure your request for an attorney is clear and unequivocal. Statements such as “Maybe I should get an attorney?” or “Do I need an attorney?” are not strong enough. You must be strong and demand an attorney. If you do not, officers will continue to probe and try to get information they can use to convict you. Exercise your 6th Amendment right to an attorney.


Lying to the police can result in additional criminal charges and in some cases, can lead to your arrest. You do not have to talk to the police. You are better to say absolutely NOTHING than to lie to the police


This may seem strange considering all of the other advice. Under Wisconsin Criminal Law, while the results of a lie detector test are generally not admissible in Court, your willingness to submit to a lie detector test MAY be admissible. When asked if you would submit to a lie detector, say “Absolutely”. Make it as clear as can be, but add, “so long as my attorney is present” First, it is unlikely they are going to give you the test as most police departments do not have polygraphs.

Second, your willingness to submit to a lie detector may give the officer pause about arresting you, holding you, or referring your case to the District Attorney for criminal charges. Third, if they really do plan on giving you the polygraph, they will have to wait until you get your attorney. You can discuss whether to finally submit to a lie detector test with your attorney.