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posted by admin on Mar 11

There is no data as yet that indicates how many former patients of Pfizer’s anti-inflammatory and painkilling drug are filing Celebrex law suits, but given the magnitude of the company’s perceived crime it is likely that there will be very many. And even a quick perusal of the alleged behaviour of the company regarding this drug seems to point to Celebrex law suits being something of a fait accompli.
And yet there is no predicting the future where large multimillion dollar companies are concerned, though the numbers of Celebrex law suits expected to be filed will give an enormous power to the people. And this is a power that they deserve; having had self-determination harshly taken from them, when they took a drug that they were promised would only enhance their life.
Pharmaceuticals wield enormous power, not only because of their huge monetary value, but because they have the power to toy with the hopes of the chronically ill. Anyone who has suffered from a long-term condition like arthritis, the condition that Celebrex was largely used to treat, or who has watched a loved one try to cope will understand that the availability of a drug that claims to help will be enthusiastically greeted. We entrust our health to pharmaceutical companies when we take their drugs, and they have a responsibility to protect it. This is a trust that Pfizer have badly lost.
Pfizer announced in December 2004, after a clinical study exploring Celebrex’s effects on cancer, that their drug increased more than twofold a person’s risk of developing cardiovascular disease. But it seems that Pfizer were aware of this link previously, and yet persisted in marketing a product they knew to be unsafe. Unlike the makers of Vioxx, who voluntary withdrew their drug from the market once links between it and increased risk of heart attacks became established, Pfizer have continued to allow Celebrex to be sold, indirectly claiming that their product is safe for use by the general public.
These are the arguments that it seem will end Celebrex law suits positively for the many people whose lives have been changed forever by the drug. It seems that Pfizer knowingly placed their customers at risk, violating the enormous trust between them and the ill. While these people desperately need the financial compensation that these law suits could provide in order to protect their health in the years to come, even if large pharmaceuticals win out in the courts, this will forever remain a moral victory for the former patients of Celebrex.

By Dave Hoffman

posted by admin on Mar 11

Debt Consolidation Loans for Bad Credit
Nowadays, many people can get into a bad credit situation if they do not keep track of their income and expenditure. Many young executives suddenly find that they are being offered credit cards by various companies. Those who are sensible will find a credit card that suits their needs, sign up, keep track of their purchases, pay off their credit card bills in full each month, and ignore offers from other companies. There are others who may be dazzled by all the credit on offer and will end up with credit cards from several companies. They may easily end up making lots of purchases on credit while making the minimum payments on their cards. Then, one day they realize just how much debt they are in when they need a debt consolidation loan to get out of a bad credit situation.

At the Debt Consolidation and Debt Reduction Service, we do not give you debt consolidation loans. We help you reduce your debts by 40 percent to 60 percent and your payments by 40 percent. We see to it that you pay no interest, late fees, or penalties. We get you out of debt, and out of a bad credit situation, within three years. We ensure that you receive no more harassing phone calls from creditors by negotiating with them.

We can help you create a debt reduction plan. You begin by listing all your debts, estimating your income, and creating a workable monthly budget. You then have to find the money to pay off all your debts. We also offer credit counseling to our clients. We begin by advising our clients to stop using their credit cards—this automatically stops their debt situation from worsening. By helping you estimate your income and create a monthly budget, we ensure that you know how much you earn each month and how you spend what you earn.

You can consult us if you have debts that are over and above $5,000. You cannot hope to get out of a bad credit situation if you only pay the minimum amounts due every month—you cannot hope to get out of debt for a lifetime. If you decide to go in for debt consolidation—where the numerous payments you have to make each month are consolidated into one small sum—you can hope to get out of debt faster. If you are in a bad credit situation and need help with debt consolidation, fill out the form on our Web site. We will help you get out and stay out of debt for the rest of your life.

posted by admin on Mar 11

Are debt settlement companies scams? It’s a simple question so does it have a simple answer?
Along with the genuinely helpful firms, there are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees.
For starters, scams are a fixture on Internet pages scattered through the net. From ’scamdicapper’ sites that ‘highway rob’ bettors & gamblers of their wager earnings to false charity sites, the best debt negotiation companies are hard to come by.
There are plenty of operations billing themselves as legit debt settlement companies. These debt company scams prey on debtors by promising relieved debt and empty their pockets forcing payment of outrageous fees.
As A Debtor It’s Your Job To Be Careful When Getting Out Of Debt
Although hundreds of debt settlement companies scams are reported to the FBI by debtors and investigated by the Federal Trade Commission every day, there are some solid, bona fide debt settlement companies out there. Avoid the sketchy operations of scam companies by becoming acquainted with the best companies for debt negotiation.
Click on the menu choices on the top left for the best debt settlement companies listed at the bottom of each page. Only bonafide companies get rated.
The Debt Reduction Guide lists the internet’s best companies known for catering to their debtors, many with a free debt negotiation plan without any obligation to join any service.
As with many businesses and operations, scam companies are as common as taxis in metropolitan areas. Discovering the top debt settlement companies and avoiding debt company scams is best achieved through solid research, thorough review of available resources, and the information splashed onto the pages of this debt negotiation and debt settlement site.
Remember, if you encounter scam companies or aren´t sure of their legit status contact your Consumer Affairs or the Better Business Bureau, watchdogs against debt company scams and advocators of legitimate, truthworthy ones.
With a little legwork, sidestepping scam companies will become a dance.

By Jon Butt

posted by admin on Mar 11

Debt management is a course every American needs to take simply because so many Americans are clueless when it comes to credit and debt management. This is unfortunate because many people do permanent damage to their credit record by not knowing how important managing their credit is. Also, frequently people get in trouble with debt and don’t know debt management tips, so they simply get further and further behind each month. This does not have to be the case and debt management is not difficult to do, as long as you have the desire to reduce your debt. Consider these debt management suggestions to get you out of debt quick.
Debt Management Tip #1 Make Your Payments on Time
One of the most important things you can do to help your credit score is to make your payments on time. This is also a great way to avoid late charges which not only negatively impact your credit, but also negatively impacts your wallet. Debt management means making on time payments means your account will never be late, will not go into default and will not never have late fees associated with it. If you have problems making your payment on time imagine how much worse it will be when an additional $30 - $50 is tacked onto that payment.
Debt Management Tip #2 Work with Your Creditor
Proper debt management requires working with your creditors. Many times creditors have debt management plans, as well as suspended payment options if you are having financial difficulty. Avoiding your creditors will make your credit problems worse and your debt management plan will not work. So talk with your creditor because frequently they can help you, or at least relieve the pressure for a little while.
Debt Management Tip #3 Pay of Credit Cards
An important part of debt management is paying off your credit cards. If you do not pay off your credit cards then you will pay an unbelievable amount of money in finance charges. Make paying off your credit cards one of the first goals in your debt management program. You will realize a relief in your debt within a few months and realize that a debt management plan is important for everyone with debt.

posted by admin on Mar 10

Think you’ve got the FDCPA (Fair Debt Collection Practices Act) figured out? Don’t be so sure. While nothing can take the place of a lawyer’s advice, if you’ve at least overcome these three biggest myths about the law, you may save yourself a lot of money and heartache.
FDCPA Myth 3: the Fair Debt Collection Practices Act is the only law governing collections:
Fact: The FDCPA is a US federal law. Each state has additional laws that govern fair debt collection practices. Some portions of those laws may have been invalidated by the federal law. But, as a general rule, state laws are valid if they provide greater protections (or restrictions, depending on your point of view), and invalid if they allow debt collectors too much leeway. Meanwhile, other countries have their own laws, which may or may not apply if the collector or debtor is currently located outside the US.
Reality: it is important to keep in mind all the relevant state laws. Those state laws may include the laws of up to three or even more states: the debtor’s current state of residence, business, and/or work; the debt collector’s state; and the state of any outside collection agency. The multiplicity of laws is just one reason why lawyers are so often brought into the collections process, especially when the amounts are large.
Debt collections that cross national borders are notoriously complicated, whether it’s a US collector seeking payment from a foreign national or vice versa. That’s just one reason that businesses that have a large customer base in another country will often open a branch office there.
FDCPA Myth 2: if a collector violates fair debt collection practices, the debt is thrown out:
Fact: it’s true that unfair debt collection practices will likely cost the collector the judge’s sympathy if the collections go to court. But the Act does not say that the debt itself will necessarily be invalidated.
That may be why some unscrupulous collectors still violate the law. Of course, as already noted, breaking the law is not a good idea, since the collectors will lose much if not all of whatever moral standing they might have had. Besides, who wants to be sued for damages—especially by the person who still owes you money?
Reality: it’s in the best interest of anyone who owes money to document any FDCPA violations, and in the best interest of debt collectors to follow fair debt collection practices scrupulously.
The Number-One FDCPA Myth: the Fair Debt Collection Practices Act is hard to follow:
Fact: the Act’s requirements are nothing more than common sense and basic courtesy. The days of debtors’ prison or publishing debtors’ names in the newspaper are over, and threats are strictly for the mafia. Any attempt to collect a debt through humiliation or intimidation, or anything hinting at intimidation or humiliation, should be avoided.
Reality: The vast majority of violations could have been avoided if the debt collectors had simply put themselves in the other person’s shoes and thought about how they would feel if they were treated in the same way. This also means that it is not in fact easy for debtors to get out of their obligations by turning the tables on the organizations to which they owe money.
In short, we’ve come a long way since the days when debtors might have ended up in the stocks, and the FDCPA is largely to thank. But if you take fair debt collection practices lightly, you may find your troubles make a day in the stocks look pleasant.

By Steve Austin