Every day more consumers fall behind on their credit card debt payments and leave themselves open to being threatened by credit card debt collectors. Some people simply cannot afford to pay their growing minimum-monthly credit-card debt payment(s), as a result they begin to feel hopeless and guilty.

Some consumers in this situation realize they do not have to suffer this financial death by guilt and that they can take positive action to eliminate credit card Eliminate credit card debt They cannot afford to pay.

The first step to overcoming that guilt, according to the Credit Card Debt Survival Guide, is disputing and denying the debt any credit card debt collector, other then the original creditor, calls about. Not admitting to an unsecured credit card debt and denying it is a legal strategy which forces the other side to properly document their claim, or drop it. It is not an indication of character. All it means is that the other side will have to prove that they have a case against you.

Credit card debt collectors must, according to the Fair Debt Collection Practices Act: 1) Send a consumer a statement saying that the debt will be assumed to be valid unless that debt is disputed and 2) Says that the consumer must dispute the debt, in writing, within thirty days of dispute.

According to the Fair Debt Collection Practices Act, a consumer can also write to the credit card debt collector saying that they want the debt collector to stop contacting them about the debt.

By taking the action of disputing and denying a credit card debt and then requesting that the collector stop all communications, you have made the debt collection effort harder. The collector must return to the credit card company to obtain documents which they then have to forward to alleged debtor. They have to validate the debt with copies of original documents according to the Fair Debt Collection Practices Act.

According to the Credit Card Debt Survival Guide, with an unsecured, unsigned credit card debt, a debt collector has to get the consumer to admit to owing the debt. Effectively they need an admission of “guilt”. The initial exchanges between consumer and the credit card debt collector set the tone of all communications between them. If a consumer denies and disputes the alleged debt, and also forbids further communications, often the collector will look for an easier target.

Reconstructing your life after an identity theif has stolen it can be a difficult and troublesome experience. There is a great sense of invasion and loss and often times the identity thief can continue to cause problems for you. The extra measures you’ll be pushed to take will make identifying yourself to future lenders a more frustrating affair. For some individuals, identity theft recovery can be too much to take.

Nobody asks to be a victim of identity theft but even so, it is now your responsiblity to clean it up. Without taking action, the alternative is worse.Your loan applications could be rejected, held responsible for paying off accounts you never opened, and even be liable for crimes committed in your name.

If you feel uneasy doing the work required by yourself, you certainly don’t have to. There are numerous attorneys who specialize in assisting victims recover from a stolen identity. Especially in difficult cases, you’ll require a identity theft attorney looking out for your interests to verify the banks and your other financial institutions do not attempt to take advantage of you.

When you’re dealing with a complex stolen identity case, having the services of an identity theft lawyer can be invaluable in helping you clear your name. For example, if you’re dealing with a criminal or medical identity theft incident, it’s extremely important to erase errors from your criminal or medical identity records. A lawyer can help you navigate the criminal justice system or use medical privacy laws to thoroughly clean up your medical records.

Likewise, you may find yourself in the regrettable position of being charged for identity fraud. Don’t just settle for any attorney, you want to hire somebody who has had experience dealing with identity theft cases. These lawyers already know much about the laws involved and will be able to make sure your case goes smoothly.It’s also a good idea to find an lawyer that can be patient and be able to explain the charges in a language that you understand. Regrettably, laws are perpetually being changed, modified, and added to. Without an identity theft attorney to assist you, it can be challenging to get the applicable information you need to present your defense. An identity theft lawyer can help you get access to this information.

An identity theft lawyer can also help you determine whether to take legal action against creditors, credit bureaus, or debt collectors.

To find an identity theft lawyers knowledgeable in such matters, contact the National Association of Consumer Advocates, a nationwide organization of more than 1,000 attorneys who specialize in consumer advocacy and litigation.

The problem for the consumer with credit card debt is it gets charged off and sold to a junk debt buyer six months to a year after payments have stopped. Some consumers may be forced to stop paying their credit card debt because of temporary low income. But, once they are able to pay again, the damage could already be done. Their credit is ruined, and the debt collectors are calling. The balance has been grossly inflated by interest, penalties, commissions and fees. At that point the best credit card debt solution is to eliminate it by continuing to not pay it, or to file for bankruptcy.

Bankruptcy is overkill for credit card debt and it is personally a difficult experience. Bankruptcy stays on a credit report for 10 years, while an unpaid credit card debt can only remain there for a maximum of seven. The stigma of bankruptcy follows you for life every time you have to answer a job or credit application’s question, Have you ever been through bankruptcy?

According to the Credit Card Debt Survival Guide, debt collectors and collection attorneys have difficulty documenting credit card debt, particularly if they represent a junk debt buyer to whom the debt has been sold. According to the guide, a credit card debt lawsuit can be avoided. What is required is the proper written communication to the debt collector or collection attorney.

“This claim, or this attempt to collect a debt, has not been reviewed by an attorney.” Just like notices from collection attorneys send notices that are the same as debt collector notices. In fact collection attorneys are considered debt collectors by the Fair Debt Collection Practices Act. The appropriate written communications with a collection attorney will motivate him to spend his time elsewhere, just like it will a debt collector.

Consumers should revise their thinking about bankruptcy when it comes to credit card debt. The selective informal bankruptcy with non-payment of credit card debt is the effective debt solution to consider.

Matt Highlander is a consumer who has researched credit counseling, debt settlement, debt collectors and collection attorneys. If you want to Eliminate credit card debt, read the Credit Card Debt Survival Guide. Matt Highlander is a contributing writer. Www.credit-card-debt-survival.com

Ahhh credit cards! I had to stop paying mine. Higher interest rates and increased monthly minimum payments forced me into this situation. There was not enough money to cover food, rent, health insurance, etc. AND credit card bills. So, I have decided to put my credit card debt behind me by not paying it.

I used to make a lot more money than I do now. I spent a lot and carried a lot of debt. After I spent too much of my income paying my credit cards, I began to wonder if I could eliminate credit card debt by not paying it. I went into online consumer forums to learn about how other people were handling their debt problems. It became clear that those who did nothing in response to the inevitable collection efforts had a good chance of ending up in court for the debt. But, there were many others who did respond with success, some even boasting of their success defeating debt collectors and collection attorneys.

I began to wonder whether I was just getting half the story. I doubted whether I had all the information necessary to be confident with my communications to debt collectors. Everyone’s financial situation is different. State laws governing consumer debt differ from state to state, and not all credit card companies handle delinquent debt the same way. Finally, I found an e-book written by someone who had done what I was trying to do, eliminate credit card debt by not paying it. His Credit Card Debt Survival Guide is long enough, over 200 pages, to cover most specific situations, and it is peanuts (under $50) compared to what those debt service companies try to charge. This guy spent a lot of time researching credit card collection, the credit card industry and what people did to successfully walk away from credit card debt. There are a lot of links and references in this book attributed to credible third parties. He even covers credit repair. After reading this I know I made the right decision about my credit cards. And, now I know how to proceed confidently.

I do not have enough money in the bank or make enough money to pay off my credit card debt. I am stuck with high interest rates and high minimum monthly payments that I can barely make. There is no relief in sight. I got in over my head with credit card debt, when I used my cards to pay my daughter’s medical bills.

It appears that the only solution is to stop paying those debts and save my funds for emergencies. I will need a plan to deal with debt collectors and collection attorneys and to repair my credit.

In my Internet search for answers to my debt problems, I have come across a lot of main stream web sites and articles that preach budgeting and financial planning. I DO NOT have enough money to do that, and apparently millions of other people do not either. But, no one talks about the reality of nonpayment of credit card debt in the main stream media.

Until recently, I thought I would just have to take a blind leap of faith and wonder what would happen. I read an interesting blog by someone in my predicament. He had stopped paying his credit card debts because he could not pay them. Then he decided to make the best of the situation and attempt to eliminate credit card debt by not paying it. He had also spent a lot of time researching that option on line, with mixed results, apparently. That is, until he discovered an e-book for sale called the Credit Card Debt Survival Guide, which was written by someone stopped paying his credit cards and searched and actually found answers to how to deal with the credit card companies, debt collectors and debt collection attorneys. He sold me. Long story short, I went and bought the book. It has what I need and saved me a lot of time.

Bankruptcy is the elephant in the room in this blog. It is a shame to have to file for bankruptcy protection from unsecured credit card debt. Apparently the 2005 bankruptcy law changes make it harder to get protection from credit card companies, if you are in bankruptcy. Plus, your credit is ruined for 10 years, as opposed to a maximum of 7.5. Fortunately I can stop payment and use available consumer laws, if I need to, to eliminate my credit card debt.

Here is a heap of free webcast tutorials on SharePoint for Developers.

You must click on the following website to look at a library of webcasts:SharePoint Videos

Microsoft SharePoint Products and Technologies Is another name for SharePoint. SharePoint is a cluster of products that include the following:

• Process management modules
• Search modules and a document-management platform
• Web browser based collaboration functions

SharePoint may be used to host web sites that access:

• Shared workspaces
• Host defined applications such as wikis and blogs
• Information stores
• Documents

All users can manipulate or interact with:

• Lists
• Document libraries
• Web parts

Background:

Photo Credit: David_terrar

SharePoint refers to a base platform and a variety of services. The platform is Windows SharePoint Services (WSS), which is included with Windows Server and available as a free download for those with Windows Server licenses. (If you have Vista, but do not have Windows Server, you can use a free download from Bamboo nation to allow you to run SharePoint.) Services such as Microsoft Office SharePoint Server (MOSS) provide additional functionality and features and are licensed accordingly.

SharePoint Products:

Photo Credit: Wonderlane

Here are the current SharePoint products and technologies:

• Windows SharePoint Services 3.0 (WSS)
• Search Server 2008 Express
• Microsoft Office SharePoint Server 2007 MOSS Standard
• Microsoft Office SharePoint Server 2007 MOSS Enterprise
• Microsoft Office Groove Server 2007
• Microsoft Office Project Server 2007
• Microsoft Office SharePoint Designer
• Search Server 2008
• Forms Server 2007

SharePoint, as a collection of technologies, is not intended to simply replace a full file server or to be a single use solution. Too the contrary, SharePoint delivers many solutions and each person is free to choose which ones to implement. These several solutions that SharePoint provides fall under three different heads: Collaboration, Processes, and People.

The SharePoint user interface is a web interface accessed through a browser. While all browsers are supported, only Internet Explorer is fully integrated and able to utilize the full functionality of a SharePoint Solution.

SharePoint sites are functionally ASP.NET 2.0 web applications, which are served using IIS and use a SQL Server database as a data storage back end. All site content data, such as items in document libraries and lists, are stored within an SQL database named by default as “WSS_Content_ID”.

Microsoft Search Server:

Microsoft Search Server (MSS) is an enterprise search platform from Microsoft. It builds on the search capabilities of Microsoft Office SharePoint Server. MSS is based on the Windows Search platform, and they both use the same querying engine and indexer. MOSS search allows one to search metadata attached to documents.

Microsoft has made Microsoft Search Server available as Search Server 2008, published March 2008. There is a free variation available. It is called Search Server 2008. The exprss edition is limited to a stand-alone installation and cannot be scaled out to a cluster.

Microsoft Office SharePoint Designer:

Microsoft Office SharePoint Designer is a free WYSIWYG HTML Editor that administrators can use to customize the design of the SharePoint site and that end users can use in designing workflows. SharePoint Designers is the successor to Microsoft FrontPage and replaces it.

More Resources:

• Windows SharePoint Services
• Microsoft Office SharePoint Server 2007
• SharePoint Server Role in Windows Server 2008
• Microsoft Momentum: Midsize Business Center Newsletter
• White Paper describes how different versions of Office work with Sharepoint
• SharePoint Designer Home Page
• Sharepoint Community Portal

Here is a cluster of free video tutorials on SharePoint for Developers.

You need to click on this link to view a list of videos:SharePoint Videos

Microsoft SharePoint Products and Technologies Is another name for SharePoint. SharePoint is genuinely a name for a grouping of products that includes:

• Process management modules
• Search modules and a document-management platform
• Web browser based collaboration functions

SharePoint can be used to host web sites that access:

• Information stores
• Documents
• Host defined applications such as wikis and blogs
• Shared workspaces

All users can manipulate or interact with:

• Lists
• Document libraries
• Web parts

Background:

The term “SharePoint” can collectively refer to a number of products ranging from the base platform to various services. The platform is Windows SharePoint Services (WSS), which is included with Windows Server and available as a free download for those with Windows Server licenses. (If you do not have Windows Server and you are a Vista user, you can use a Bamboo Nation free product to run SharePoint.) Services such as Microsoft Office SharePoint Server (MOSS) provide additional functionality and features and are licensed accordingly.

SharePoint Collection of Products:

SharePoint includes these components:

• Windows SharePoint Services 3.0 (WSS)
• Search Server 2008 Express
• Microsoft Office SharePoint Server 2007 MOSS Standard
• Microsoft Office SharePoint Server 2007 MOSS Enterprise
• Microsoft Office Groove Server 2007
• Microsoft Office Project Server 2007
• Microsoft Office SharePoint Designer
• Search Server 2008
• Forms Server 2007

SharePoint is not just a single use solution that replaces a full file server. Instead, it is geared and positioned to play several roles in the business and enterprise environment. Microsoft markets these vectors as Collaboration, Processes, and People.

Users access SharePoint through a web browser. All browsers are supported, but only Internet Explorer provides you with full functionality.

SharePoints sites are really ASP.NET 2.0 web sites that use a SQL Server database and that server by IIS. All site content data, such as items in document libraries and lists, are stored within an SQL database named by default as “WSS_Content_ID”.

Microsoft Search Server:

Microsoft Search Server (MSS) is an enterprise search platform from Microsoft. It builds on the search capabilities of Microsoft Office SharePoint Server. MSS shares its architectural underpinnings with the Windows Search platform for both the querying engine as well as the indexer. MOSS search provides the ability to search metadata attached to documents.

Microsoft has made Microsoft Search Server available as Search Server 2008, published March 2008. A free variation, Search Server 2008 Express, is also available. The exprss edition is limited to a stand-alone installation and cannot be scaled out to a cluster.

Microsoft Office SharePoint Designer:

Administrators can customize SharePoint sites using Microsoft Office SharePoint Designer. It is a free WYSIWYG HTML Editor that replaces Microsoft FrontPage.

More Resources:

• Sharepoint Community Portal
• Windows SharePoint Services
• SharePoint Team blog
• Microsoft Momentum: Midsize Business Center Newsletter
• White Paper describes how different versions of Office work with Sharepoint
• Microsoft Office SharePoint Server 2007

If you are looking for C-Sharp videos, you will find three sets of webcasts in this article. One of the collections is presented by Dr. Joe Hummel. This video series consists of 15 videos. The videos in this collection are entitled Modern Software Development: Architecting Solutions in C#. Another collection subsists of 10 videos on Microsoft’s Chief Architect for C-Sharp, Anders Hejlsberg. There is also a collection of 26 hours of videos by Bob Tabor on C-Sharp.

Background: C# is a simple, modern, general-purpose, object-oriented programming language. Anders Hejlsberg is the chief architect for C#. C-Sharp’s syntax is based on the object-oriented syntax of C++. The most recent variation of the language is 3.0, and it was published in conjunction with the .NET Framework 3.5 In 2007. The next proposed version, 4.0, is in development.

In 1999, when Anders Hejlsberg formed a team to create the language, they originally planned to call it COOL, which stood for C-like Object Oriented Language. However, there were copyright problems with that name, and it was renamed C#. C Sharp in music means a half of a step higher in pitch. In programming, C Sharp indicates that this is an outgrowth of C++.

Anders Hejlsberg has repeatedly said that flaws in most major programming languages, like Java, Delphi, and Smalltalk, drove the fundamentals of the Common Language Runtime, which, in turn, drove the design of the C-Sharp programming language itself.

Versions:

• C# 1.0 – introduced 2000 / released January 2002
• C# 1.2 – published April 2003
• C# 2.0 – published November 2005
• C# 3.0 – released November 2007
• C# 4.0 – in development

Guiding Principles for Design of C#:

• C# is intended to be a simple, object-oriented programming language.

C# needs to support:

• Strong type checking
• Array bounds checking
• Detection of attempts to use uninitialized variables
• Software robustness
• Durability
• Programmer productivity
• Automatic garbage collection
• The language is for developing software divisions suitable for deployment in distributed environments.
• Source code portability and programmer portability are important, more than ever for those programmers already familiar with C and C++.
• Internationalization is very important.
• C# is intended to be suitable for writing applications for

Distingushing Features of C#

• C# supports a strict Boolean datatype, bool. Statements that take conditions, such as while and if, require an expression of a boolean type. While C++ also has a boolean type, it can be freely converted to and from integers
• In C#, memory address pointers can only be used within blocks specifically marked as unsafe, and programs with unsafe code need appropriate permissions to run.
• Managed memory cannot be explicitly freed; instead, it is automatically garbage collected.
• Multiple inheritance is not supported, although a class can implement any number of interfaces.
• C# is more typesafe than C++.
• No global functions or variables. All methods and members must be declared within classes. Static members of public classes can substitute for global variables and functions.
• Local variables cannot shadow variables of the enclosing block, unlike C and C++.

Here is a pile of over 35 hours of premium video tutorials on ASP.NET by Learn Visual Studio. In order to view some of the the videos, you have to to become an associate of Learn Visual Studio.

Please click on this link to view a library of webcasts:15 Hours of Free Videos on Essential ASP.NET by Fritz Onion

History: ASP.NET is a web application framework developed by Microsoft. The framework makes it possible for programmers to set up dynamic web sites, web applications and web services. ASP.NET is made on the Common Language Runtime (CLR). The CLR allows programmers to manufacture ASP.NET code using any supported .NET language.

You must click on this website to see a catalog of videos:84 ASP.NET Video Tutorials

After the release of Internet Information Services 4.0 in 1997, Microsoft began researching possibilities for a fresh web application model that would undo popular complaints pertaining to ASP, primarily regarding separation of presentation and content and being able to build “clean” code. Mark Anders, a manager on the IIS team, and Scott Guthrie, who had joined Microsoft in 1997 succeeding graduating from Duke University, were tasked with determining what that model would look like.

You must click on the following site to view a library of videos:35 Hours of Premium Videos on ASP.NET by Bob Tabor

The earliest variant was called “XSP”, but the “X” did not in truth stand for anything. It was decided to author the creative platform on top of the Common Language Runtime (CLR), as it offered an object-oriented programming environment, garbage collection and other features that were seen as desirable features that Microsoft’s Component Object Model platform didn’t support.

XSP was renamed to ASP+ as it was seen as being the heir of Active Server Pages. Then, in 2000, it was renamed to ASP.NET to emphasize that it rested on the foundational .NET framework.

Versions: ASP.NET 1.0 was released in January of 2002. 2.0 was released in November 2005, and 3.0 in November 2006. The current variant is 3.5, and it came out in November 2007. 4.0 is scheduled to released in the next few months.

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