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Post Layoff Emergency Preparedness | News From Your Online cash advance Source
Sadly for many Americans this year and many more come 2009, pink slips have, and will continue to be given in record numbers.
Between layoffs and salary cuts, online cash advances and other sources of online cash advances are what consumers are turning to for the extra cash they need.
If this sounds like you, we have some helpful advice and resources for you to turn to, to lessen the financial strain and economic impact to yourself and your household. online cash advance
Finding Gainful Employment
What would you do if you were laid off tomorrow?
Have you lost your job? If so, finding your next source of income is your primary concern. However, before you fill out your first application or type your first cover letter you need to file for unemployment benefits.
It is imperative that this course of action be taken immediately as it takes two to three weeks before your unemployment benefits will kick in. online cash advance
Handling this first will get the ball rolling so that you will have some income coming in, in the near future provided you donít find employment first.
There are other benefits that you can apply for as well, providing that you meet the qualification criteria. To find out what you can qualify for, visit workforcesecurity.doleta.gov.
Your community likely has an organized unemployment center that will grant you access to resources such as the Internet for sending out resumes as well as a localized job bank of local employers looking to fill positions within their own respective companies. online cash advance
These centers will put a lot of resources at your fingertips including classes such as resume building and interviewing skills to help enhance your professionalism and make you more attractive to employers. Visit Careeronestop.org to find a local career center in your area. online cash advance
Controlling Your Debt
Consumer debt will become an immediate concern if your job is lost. Obviously you will want to protect your credit by staying current on your debts but this is not always feasible in the event of job loss.
If you find your debt is spiraling out of control or you borrowing short term online cash advances to try and stay on top of your expenses, you will want to get in touch with a credit counselor who can help manage your debts on your behalf with your creditors.
This will help minimize your debt load as well as lower your minimum monthly payments helping you brave the storm until you get back on your feet. online cash advance
A good place to start on your quest for debt counseling is the National Foundation for Credit Counseling or NFCC.org.
Mortgage and Foreclosure Assistance
If you are struggling to make your mortgage payment you will need to contact your lender and negotiate payment terms that will be more convenient for you. Do not be afraid to ask for leniency. Your lender will be pleased that you called and more than willing to cooperate with you as a foreclosure will only cause losses to you and your lender. online cash advance
Before you call to negotiate terms, take a careful look at your finances and what you will be able to pay each month as your bank or lender will ask you specifically what amount you can afford to pay. Whatever information you give to them, you will want to do your best to follow through to avoid possible repercussions.
There are also some government programs that can help as well. HUD, the Department of Housing and Urban Development has a free and helpful guide to help you avoid getting foreclosed upon. You can find the guide on their website at hud.gov
You can also go to Hopenow.com or call 1-888-995-HOPE for additional resources which will prove helpful to your situation.
Posted courtesy of Personal Money Store, your online cash advances source!
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