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    How To Respond To A Civil Summons For A Debt

    A civil summons for a debt simply means your creditor has decided to take you to court for the debt that you owe. Your creditor can sue you directly or sell your debt to a debt collection agent. It is common for most consumers not to respond to debt summonses. If you do not respond, you will lose the case by default and the court gives judgment against you. It is in your best interest therefore to respond. The following steps will help you greatly, especially if you don’t want to waste money on attorney fees.

    1. Write down the court date in your diary so you do not forget. Plan to have that day free. You might spend most of that day in court.

    2. Write a 2 to 3 pages reply to the summons. This is to put the collection attorney on notice that you will be available to defend your case. Usually you have 20 days to reply but the earlier you do it the better. If you are not sure what to write, write whatever you can and then get an attorney to check it for you for a small fee. Other things might come up and you will forget.

    3. Get as many documents as you can concern the debt. You have to know exactly where you stand. Some debts might no longer be valid. Documents to that purpose will prove your case. Get any canceled checks, bankruptcy papers that can add to your defense. Court cases are not decided by word of mouth. Collection attorneys sometimes have trouble accounting for the exact amount of money they owed and this can work in your favor

    4. Check the state of your finances to determine if and how you can pay the debt or part of it. The collection attorney more often than not will ask you to agree to an out of court settlement.

    5. Now, if your financial life is in a state of confusion, these tips might not work for you. You will be better off hiring an attorney that has experience in handling debt cases.

    Check out the link below
    Debt Information Center the internet’s No.1 center for free information on debt management and consolidation.

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    Financial Prosperity God’s Way

    Financial Prosperity

    Like so many people on the internet I have tried a number of ways of making “big” money on the web and yes, I have made at least one bad investment. There is more than one money making formula out there. Some formulas are good and some not so good. God knows more than a little about financial prosperity and He desires the Christian to prosper. However, God wants the Christian to prosper His way.

    Formula to a Relationship

    God desires that instead of looking to a formula, the Christian should look to Him and not to a formula. God wants you to shift your allegiance from a money making formula to a deep relationship with Him and then you will prosper the best way. Are you seeking to know God intimately and have a deep relationship with Him? He says in Matthew 6:33, “But seek ye first the kingdom of God, and His righteousness; and all these things shall be added unto you.”

    The Financial Prosperity Revelation

    God gave me a revelation of Matthew 6:33 and showed me if I would seek Him and put His agenda first place in my life then my prosperity would be manifested. Seeking God is the best investment in your destiny.

    In Hebrews 11:6b He states, “He is a rewarder of them that diligently seek him.”

    “Delight thyself also in the Lord; and he shall give thee the desires of thine heart” (Psalm 37:4 KJV).

    Serve God or Money?

    Remember what is stated in Matthew 6:24 of the Living Bible, “You cannot serve two masters: God and money. For you will hate one and love the other, or else the other way around.”

    Seek and love God with all your heart and get involved with His program. Good investment. He has just the formula for your success: a deep relationship with Him which will unfold the glorious destiny He has for your life. And that destiny does include prosperity.

    But what if you refuse to do the will of God? Here is your answer: “Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven” (Matthew 7:21 KJV).

    Like a closer walk with God?

    Click “Closer Walk” below for FREE eBook.

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    Choose the best Colorado car insurance company to protect your asset

    Car insurance helps the insured person from financial losses in times of need and distress. Today almost every other person owns a car. In previous times, a car was a symbol of status and class. Only people belonging form the higher strata of the society were able to purchase cars for their personal use. Nowadays cars have become an essential commodity. Different car manufacturing companies offer customers various kinds of easy installment plans now. With the help of these schemes, any middle class person can buy a car. It is best to invest in a car insurance policy – if you own a car.

    Most of the countries in the world have made the car insurance policy mandatory for car owners. Car is a valuable asset and it should be properly taken care of. The owners should not hesitate to insure his or her car if they own one. While driving in a crowded road, accidents may happen. An insurance policy then comes handy to cover for your losses. It also protects car owners form auto thefts and other related problems. If you do not have much knowledge in car insurance policies and plans, then ask a knowledgeable person or a reliable agent.

    Individuals can also use the internet services to learn more about car insurance policies. With help of computer and internet, you can learn all there is to know about insurance plans and policies. Type the keywords in the search box of your webpage to get appropriate results. For instance, if you want to know about car insurance in Colorado then type Colorado auto insurance in the search box. You will get several results once you click enter. Car insurance quotes in Colorado will differ from other places and countries. Type your zip code properly – to get results related to your region.

    There are several insurance companies present in the market today. Each company is trying to beat the other one in order to the best in the market place. Every company has their own rules and regulations which customers have to follow and abide. You can get insurance quotes from as many companies as you want. You can fill the basic information form online and ask for a quote from the selected company. Once you get the quotes, you can compare them online and choose the best for yourself. Read the terms and conditions carefully before signing any insurance documents and papers.

    to know about Car Insurance Quotes In California then type Colorado Auto Insurance in the search box. You will get at

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    How to Buy a Good Trading Robot

    The Best Forex Robots available online are considered the best friend to any forex trader. Those who do not understand what a forex robot is, they should know that this is software that helps traders to effectively trade in the currency exchange market. The robot is usually programmed to undertake trading without involving humans. Due to this, it becomes such an essential tool, as a merchant can buy and sell without necessarily logging into the trading platform. All of you need to do is to program the robot that trades on your behalf.

    As a new entrant in currency exchange trading, you will meet many companies selling such automatic tools. As most time they are usually expensive, you should do thorough research about the software and the company you want to buy from. The best place to start your research for a reputable company selling legitimate ones is from friends. If you know friends who trade in the market, you can ask them to refer you to a good company. This way, you will easily identify a good system without struggling too much.

    If you do not have friends to recommend a good one, you can undertake the research by yourself. The best place to do research is online. You can start by making the regular Google search and you will identify several companies selling the software. To ensure that the company is reputable and it is selling good products, you should read the various reviews given by different users. From the reviews given, you will be able to know if the company is reputable or not. Do your researches, before you use a site offering options.

    If a company has many negative reviews, you should avoid buying the tools from them. This is because most likely they will sell you a faulty program. Other than the company having a bad reputation, you should also avoid buying from a company that has no reviews. This is because most likely the company is new and has no experience in its operations. To be on the safe side, always ensure that you buy your automatic tools from a company that has a good reputation and years of experience. This is because the company will have a reputation to protect. Therefore, they will sell you the best quality products. Other than selling you high quality products, experienced companies are usually knowledgeable. As a result, they will guide you in any area you are not experienced. Before choosing the right one, you should learn more about what are Forex Robots.

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    Home Loan Modification – What Is It and How Can It Help You Fix Your Mortgage

    Home loan modification is a term used to determine a process that you can go through whenever you are burdened with paying off your mortgage. This process is used by a lot of people, because it allows them to modify the terms of their mortgage, making it favorable for both the lender and debtor.

    Believe it or not, there are millions of property owners who are having problems when dealing with their mortgage. Some people even resort to filing bankruptcy, which should only be used when all available methods have failed. Home loan modification is rapidly becoming popular among mortgage holders, because it helps them ease the terms of their mortgage without damaging their reputation as debtors.

    Applying for a home loan modification has a lot of benefits like reducing the interest rates that are being charged to you monthly, reducing your principal balance, you can also change the terms from adjustable mortgage to a fixed mortgage rate, and you can ultimately increase the duration of your loan.

    If you are going to ask a bank, they will never advise you to apply for a home loan modification due to obvious reasons – they will earn a lot less if you are paying under a modified term compared to paying for your original mortgage terms. This is also the reason why there are a lot of mortgage holders who are not familiar with this method.

    A typical modified loan takes 30-90 days to complete and make sure that you are paying all obligations during that time. This will slightly increase your chances of getting the loan modification approved. You also need to keep all the documents and statements that you have received from your lender because these documents are often required when applying for a modified loan.

    If you are looking for a company that will help you apply for a mortgage modification, then you can start searching the Internet. There are a lot of companies who are willing to help people like you to ease the burdens of their mortgages. Just make sure that you pick the right company. Always look for the testimonials and feedback from past clients to determine whether a particular company is really capable of helping you with your mortgage.

    For detailed facts and essential tips about how you can be approved for a loan modification, visit this simple, easy to understand loan modification guide and resource:

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    Stock Market Futures – An Introduction to Future Trading

    An Introduction to Future Trading

    Although many people would like to reduce all of the activity on the stock market to the simply line, “buy low and sell high,” it’s important to remember that there are hundreds of different ways to go about pursuing a profit in the stock market, and even more opinions about how those strategies are best executed. One of the more popular types of investing involves the trading of stock market futures, and if you’re new to investing, it can be helpful for you to understand a little about how this process works.

    As defined by investing experts, stock market futures are the result of entering into a financial contract with a company, usually a producer of commodities. When a futures contract is established, the parties involved agree to engage in the exchange of financial instruments or physical commodities in the future delivery at a certain price that is agreed upon before the items have been produced, in most cases. Although it might seem like you’re simply ordering large amounts of product for pick up in the future, people often enter into futures arrangements to hedge their investments and eliminate or reduce risk of losses.

    It’s important to point out that while the stock market futures arrangements might seem like a simply buy and sell situation, it is often the contracts themselves, and not the commodities, that end up changing hands in the end. Professionals in complimentary industries, say cement production and construction, will enter into futures agreements with each other as a way to help solidify prices for an upcoming fiscal year. And instead of necessarily following up on that agreement, it can be bought or sold to other interested parties, while still managing to provide some stability for that market place.

    Those who think that they might be interested in stock market futures should know that it is one of the most competitive markets in the entire world of investing. Many businesses look to the futures market as an economic tool that can be used to determine prices based on the amount of supply and demand that are available both today and what is estimated to be available tomorrow. If you’re used to the relatively short term world of day trading or technical analysis, it might be important to note that successful futures trading depends on constant gathering of information about politics, government, weather, debt and deforestation in countries all over the world.

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    How To Make Money With Facebook Page – Simple Process Revealed!

    There are many ways for your to earn money online. Earning a decent living online is no longer a dream. Some even leverage on social media to earn decent income online. Do you want to know how to make money with Facebook page (also known as Fanpage)?

    Read on and I will reveal to you the simple step-by-step process for you on how to make money with Facebook page.

    First, create your Fanpage

    Creating a Fanpage is the first thing you need to do. If you don’t know how to create a Fanpage, just google for the solution or alternatively you could outsource this and let someone else to create a Fanpage for you. But it is not right to just simply create any Fanpage. To make money with Facebook page, you need to make sure that the Fanpage which you are creating will make you money.

    Now, the tricky question is how to ensure that the Fanpage you are creating will make you money?

    The answer is very simple. Fanpages that will make you money are those with a “passionate” (or “motivated”) group of fans. When people are “passionate”, they will be more proactive in sharing and spending time on the Fanpage.

    Examples of a “passionate” group of people are the niches of tattoo, weight loss, games, niche music, etc.

    Second, get a CPA offer

    Now, the key to the question on how to make money with Facebook really depends on how well you monetize your Fanpage.

    The easiest way to do this is by finding a right click-per-action (CPA) offer and a group of fans who are willing to complete the CPA offer for you.

    You can find plenty of CPA offers on clickbank.com. Choose one with a powerful landing page and provide you with useful and sufficient promotional tools.

    Insert the CPA offers link on your Fanpage. When your fans click on the offer and if they are a real “passionate” group, chances are high that they’ll complete the CPA offer that you have.

    Third, get traffic to your Fanpage

    To make money with Facebook page, you need to have “fans” for your Fanpage. There are many ways to promote a Fanpage. You can talk about it in forums, twit about in using tweeter, or promote it among your friends on Facebook.

    Or you can try the traditional marketing method known as article marketing. The ultimate answer to the question of “how to make money with Facebook” lies in having traffic and a group of “passionate” fans. Article marketing would be able to get you the right fans who are genuinely interested in what you have to offer on your Fanpage and CPA offers.

    There you go, the 3 simple steps on how to make money with Facebook page. You might realize by now that it is not difficult for you to make money with Facebook page. Why not give it a try now?

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    Types of Insurance Policies in Fort Myers, FL

    Insurance firms are very important in the modern world. They are the only guarantors that you will have a better tomorrow if disaster should strike. Financial institutions cannot assure you of this. There are many types of insurance firms around Fort Myers, FL.

    Policies provided by a company offering Insurance in Fort Myers, FL include: 1. Auto insurance policy. After your home, the next major investment in your life is your car. It is not only an asset, but sometimes holds sentimental value. You will need to insure your vehicle to assure you provide repairs or replacement in the event of an accident. Consult with an insurance firm that offers this type policy, and the agents will guide you on the coverage you need considering your driving habits. Ensure that the premiums are affordable and that all vehicles you own can be insured under your policy.

    2. You should also consider insuring your property for protection against fire and vandalism that may destroy your assets. These include all valuables that are in your house and that could get damaged in case of a natural disaster. Consider insurance firms that will cover all your personal valuables. This can include a renter’s insurance policy, condo insurance, home insurance, water backup, and wind/hurricane insurance among others.

    3. Acquire an insurance policy for your business. In case of a disaster, you could lose all your property and investments. Ensure that you are on the safe side by purchasing an insurance policy that offers this type of coverage. Consult with firms that can insure any type of business. Insurance plans include those of property insurance, workers compensation, professional liability, general liability and contractor’s insurance for all professionals.

    4. Insurance in Fort Myers, FL providers also offer flood insurance policies. Floods can occur any time. Despite the improved methods developed to combat floods, you are not guaranteed that you will not be a victim of such a situation. Ensure that you are safe by acquiring this policy from a firm near you. This plan is applicable for your home, business, mobile homes and condos among others. Floods are generally not covered under other policies, so it is important to purchase a separate flood policy.

    Tropical Insurance Of Bonita Springs offers an array of policies to cover any situation that may come your way. Ask for advice from their professional staff if you are unsure of the type or amount of coverage you need.

    Whether you are looking for an insurance company for auto insurance, home insurance, or business insurance, Visit for professional service and insurance products at competitive rates.

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    Atlanta Ga Business Franchise Consultant Knows Comfort Keepers Franchise

    Senior care franchise associates Biz Advisors Inc, as an Atlanta GA franchise consultant suggest the Comfort Keepers franchise.

    Exploring the Range of Home Care Services

    Senior citizens today have more home care services to choose from than ever before. And more than ever, seniors are opting to continue living at home for as long as possible, even when they need medical assistance.

    Home care services have increased in popularity as a senior care option to assisted living facilities and nursing homes, even as quality of facility-provided care continues to improve.

    The reasons for home care services growth include:

    * Americas 65+ population is growing faster than ever (expected to double to more than 70 million by 2030, accounting for one of every five Americans)

    * Much of the senior population growth is being fueled by the baby boom generation, which is entering retirement. Todays seniors, who are more active and living longer than previous generations, prefer to continue living independently at home for as long as possible

    * Medical advancements make it possible for in-home care of chronic health conditions, which have become more prevalent due to the aging population

    * Home care has become more accepted by physicians

    * There is a movement toward more cost-effective health care options, such as in-home care

    Studies show that even after they begin needing assistance with the activities of daily living or ongoing health care, seniors prefer to age in the comfort of their own home. In fact, the U.S. Department of Health and Human Services reports that more than two-thirds of older Americans who already need daily assistance are now living at home. This includes more than 70 percent of persons with Alzheimers disease.

    In-home senior care agencies offer a wide variety of services that clients can select as needed. The services can be tailored to provide whatever amount of help a senior need to perform the activities of daily living. Services include:

    *Companionship and care services, such as meal planning and preparation, light housekeeping, conversation and companionship, medication reminders, transportation, grocery shopping, laundry, and recreational activities

    *Personal care services, such as bathing, help with mobility, incontinence care, toileting, feeding, and special diet preparation

    *Technology services, such as monitoring, emergency response and medication management systems to provide security and care for seniors when professional or family caregivers are not present

    Many seniors needing in-home care have chronic medical conditions that require regular management, so medical home care agencies can work in conjunction with non-medical in-home senior care providers to meet a seniors complete needs.

    In-home elder care providers, such as Comfort Keepers, also serve todays more active seniors, helping them maintain connections with friends, as well as community organizations and hobbies that continue to give them satisfaction.

    Atlanta GA franchise consultant Biz Advisors Inc sells the Senior care franchise, Comfort Keepers franchise.

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    Forex Trading With 4xp

    Forex trading has become one of the biggest currency trading networks in the world. Millions of people are engaged in forex trading from different parts of the world. Forex trading happens all the time and plays a great role in foreign exchange matters. While forex trading is highly beneficial there are at the same time lots of dangers and insecurities for the amount you are investing. Most of the traders fail in forex because of lack of understanding the concept and lack of trading skills. They do not undergo any proper training and jump into trading only to lose their valuable hard-earned money. The only best way to stay away from such failures is to understand forex trading well and plan every step as properly as accurate as possible. For a trader to be successful in his trading his skills alone is insufficient, the trader should have his trading account with a highly cooperative forex broker that could offer you various assistance with their experience and features. This is most important for every trader.

    There are several hundreds of brokers to choose from but you have to spend a lot of time analyzing the best ones out there. Taking all these things into consideration we have made things easier for you. Let us have a look at one such genuine forex trading broker popularly known as 4xp. They provide you with excellent and up-to-date trading services using their latest technology. In 4xp you have to liberty to choose from several account types including demo accounts, classic accounts, ECN accounts and even VIP accounts. Another astounding feature of 4xp forex trading is that they provide you with highly advanced trading platforms such as 4xphone, MetaTrader4, MetaTrader5, 4xp options, 4xp WebTrader and 4XP AutoTrading.

    Most importantly in 4xp you can trade Forex, Stocks, Commodities and Indices all from one platform. Some of the features that makes 4xp different is that they provide you with discounted spreads as low as 1 pip. 4xp largely functions on the MetaTrader 4 platform making the experience highly unique and comfortable. 4xp helps you to learn about the current market situations with its daily market analysis programme. Apart from all these wonderful features, 4xp provides you with a bonus of up to30% on your first deposit. These are some unique features that make 4xp stand ahead of the other forex trading brokers. 4xp also provides you a facility of getting into risk free trading for 30 days. As a trader you have to be highly cautious when choosing your broker. You have to take into consideration variety of factors before you could choose your broker for your trading purpose. At the same time you have to undergo sufficient training to make your trading experience a success.