Monthly Archives: September 2013

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Houston, Texas (PRWEB) May 10, 2013

Marc Whitehead & Associates a national disability law firm has added to their website important information about the Social Security disability appeal process, the Offices of Disability Adjudication and Review (ODAR) at Social Security and the disability appeal process that could help an applicant that has a case on appeal.

Which ODAR and Administrative Law Judge you are assigned can have a huge impact on the outcome of your case, said Attorney Marc Whitehead. The system can be confusing, but understanding that Administrative Law Judges have different approval rates can prepare you for what you are up against.

Administrative Law Judges (ALJs) hold hearings at Offices of Disability Adjudication and Review (ODAR). ALJ hearings are the third step in the process and second level of appeal in the Social Security disability system. There are more than 100 ODAR hearing offices around the USA and about 1,000 ALJs conducting hearings at these offices.

In addition to information about the appeals process, what to expect and what can be done to help an appellant’s case has been added to the website of Marc Whitehead & Associates. The website also includes information on the ODARs themselves and the ALJs approval/denial rates in 19 states with new cities/states being added ongoing. The public can also call (800) 562-9830 to schedule a free consultation.







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Philadelphia, PA (PRWEB) September 02, 2013

Credit Card Consolidation Loan reveals to readers how credit cards have reshaped the norm in consumer buying. The debt relief company believes that this is a very important part of debt education as it will help consumers understand what drives them into debt when they use credit cards.

The title of the article is How Credit Cards Changed Our Buying Perspective and it begins by describing the reason why this type of debt is scary. Credit cards are notorious for their high interest rates and various charges that can quickly grow the balance of any consumer. But more than focusing on the growing debt and the solution to pay it off, the article encourages consumers to find out what exactly caused that debt?

CreditCardConsolidationLoan.org believe that it is caused by the money lessons that these plastic cards impart to consumers. With the way credit cards are used, consumers assume that:

1. They can get what they want immediately. If they see something in the mall, they can buy it at once – regardless of the cost.

2. They can buy things that they cannot afford. Credit cards promote that it is okay to be in debt. The convenience meant that people can pretend that they have a lot of money – even when it is borrowed.

3. What they own is important. The article explains how these cards are perceived to be a status symbol. When consumers buy through credit cards, they feel rich and they aim to look rich.

4. They can rely on their future income for purchases made today. The danger here, according to the article is when the future income does not come. The consumer will have a problem getting the money to pay off the purchases they made in the past.

The article concludes that consumers fail to realize the value of money and they also fail to spend it wisely because of credit cards.

Credit Card Consolidation Loan believes that those who wish to keep their credit cards despite these dangers must learn how to use it to their advantage. If it is not possible to get rid of them entirely, the article encourages consumers to limit their credit card account and to choose the right type based on the rate and terms.

The article also advises consumers to budget what they spend on credit cards. This may be harder to monitor until after the statements are sent but the consumer must make the effort to keep themselves from spending. Instead of using cards, the consumers are encouraged to just use cash. It is easier to control spending when money is actually exchanged hands.

Lastly, the article urges readers to always think before they make any purchase. That is how they make smart spending decisions.

To read the rest of the article, visit CreditCardConsolidationLoan.org or click on this link: http://creditcardconsolidationloan.org/how-credit-cards-changed-our-buying-perspective/.

Credit Card Consolidation Loan offers debt consolidation loan to help consumers pay off their credit card debt. To know more about this debt relief program, call 877-843-6110.







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