Technical Support . To get assistance, please fill out the required Service Request Form below so you will be in our customer database tracking system. Once you fill out the form and Click “Submit,” you will receive a service ticket number via e- mail. At that time, a Product Specialist will be assigned to your case. The Product Specialist will contact you by e- mail and/or phone until your technical problem is resolved. ![]() Our goal is to resolve your problem within 2. Technical Support Hours of Operation: Monday – Friday, 8: 0. If you do not receive this e- mail within 3. SPAM folder. Please add individualsoftware. If it is not there please e- mail or call our Customer Care so we can assist you: customercare@individualsoftware. Other solutions you may choose to try: Have you tried to re- install the application with no other applications or programs running? Most problems can be answered through the software Online User’s Guide, Help system, or at the Frequently Asked Questions section of the Web site. Did you temporarily disable your Anti- Virus protection before installing (recommended)? Does your computer environment meet the system requirements of the purchased product found on the products home page? ![]() ![]() Are you testing out Windows 10 Technical Preview? Laplink is offering PCmover Express for free! Just like in Windows 8.1, Windows 10 Technical Preview. Finds of the Week: Troubleshoot Performance Issues in Windows / 10 Free Documentary Websites / The Week in Tech / Free Paper Toys. Windows Vista (codenamed Longhorn) is an operating system by Microsoft for use on personal computers, including home and business desktops, laptops, tablet PCs and. Technical Support. Review support and service options, community, and learning resources for these products. Select a Product. Installation and setup of RAM drive is pretty simple. Unpack the zip archive to a folder, and run ramdisk.exe. In Windows Vista and Windows 7, you need to right click. ![]() ![]() ![]()
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Government Debt and Financial Assistance Department of the Treasury The U.S. Treasury Department joined other federal agencies to establish the Financial Literacy and Education Commission with a purpose of improving the financial literacy and education of. A government debt consolidation loan is a financial loan given by a government program to help a person pay off debts owed to. The new changes to the student lending process have created another reason for student loan debt consolidation. There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement. You may see some negative impact early in a debt consolidation program, but if you make steady, on-time payments, your credit. Debt Consolidation Programs. What are Debt Consolidation Programs? Enrolling in a debt consolidation program is one option for you to get debt relief. It is basically taking all your debts and putting them into one big payment plan. This is accomplished in two ways: taking out a bigger loan and paying off the rest or transferring your balances to one credit card. Both options will not lower your total outstanding debt but could lower the monthly interest rate that you have to pay for. Depending on the program that you will enroll into, you may end up paying for your debt longer than the original payment terms. Demands that you make payments into a DMP before your creditors have accepted you into the program Debt Consolidation. You can find a state-by-state list of government-approved organizations at the U.S. Trustee Program, the organization within the U.S. A debt consolidation loan is a single loan (generally from a financial institution) that allows you to repay your debts to several or all of your creditors at once. You are then left with only one outstanding loan — to the financial institution. They drop out the programs as a result. Before you sign up for a debt settlement program. You must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief. You can find a state-by-state list of. The advantage of opting for this program is the possibility that it will not affect your credit report. If you are opting for the consolidation program because you want a more manageable payment term and you have not been delinquent on your paying your dues, then your credit report will not reflect this. Of course, if you take out another loan, this will be recorded in your credit history – but it will not be too bad if you do not miss out on your payments. The disadvantage of opting for this program is when you take out a secure loan to cover your other debts. You will be risking the collateral if you fail to pay for your monthly dues. There are loans that you can take that will not require a collateral but these are usually riddled with high rates. ![]() When Should Debt Consolidation be Used? Debt consolidation should only be considered if the monthly debt payments get too burdensome. Also, if you are only able to pay for the minimum on your credit card bills, you will take a really long time to finish because of the financial charges and interest rates that will keep on piling up. This is the right time to go for a debt consolidation program. You need to get rid of the high interest rate debts so you can work on paying off the principal amount. Having a lot of debts with different creditors can be too much to handle and the possibility of you missing out on a payment is not unlikely. If you consolidate them, you will only worry about one payment and one interest rate every month. You usually end up paying for less – although it will be for a longer payment term. The idea is to have more than enough to save up for your emergency fund. If you want to opt for a debt consolidation program, make sure you have the income to cover for the new payment scheme. If your finances cannot handle the current outstanding balance of your debts, you need to work on a debt settlement program. This form of debt relief option will aim to lower your outstanding debts to come up with a lower monthly payment. The goal is to have a percentage of your debts forgiven. This program is only ideal for people with real financial difficulties. Ultimately, you will only achieve freedom from debt if you learn how to manage your finances. You need to come up with a budget plan so you know just how much you can afford to spend every month. This is where a credit counselor or a debt professional can be of assistance. They should be able to provide you with a great advise to help you understand the do. A company that has a current working relationship with creditors and collection agencies will help you get better results. Because of this, a debt relief company that has been in the industry for a long time is a good choice. Look into their success stories to see just what they are capable of accomplishing. Try not to get your hopes dependent on these results though. Each situation is unique and what works for another may not be the ideal result in your case. Stay away from companies charging upfront fees. The government prohibits this under the debt relief laws – specifically the TSR or Telemarketing Sales Rule. You need to be very careful in choosing the right company to deal with because you might end up having to pay for more than what you owe. Know your rights and what to expect from legitimate debt relief companies. If you wish to talk to a debt professional, get in touch with National Debt Relief. We are a legitimate debt management company who will work with you to achieve financial freedom. At the very least, we can advise you on the ideal path that you should take depending on your financial capabilities. Give us a call or fill out the short form on this page. We will have someone get in touch with you. The initial consultation is for free and we will never ask for upfront fees. Best Debt Consolidation Companies of 2. Why Use a Debt Consolidation Service? The top performers in our review are National Debt Relief, the Gold Award winner; New Era Debt Solutions, the Silver Award winner; and Accredited Debt Relief, the Bronze Award winner. Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 1. Sometimes you reach a point where debt becomes overwhelming. Late payments, medical bills and personal emergencies can all add to a mounting amount of debt. If you are struggling to manage your debt but unsure of what steps to take, you can look into solutions offered by loan consolidation companies. These solutions are not instant fixes. Many of these paths negatively affect your credit score, require long- term dedication and obligate you to still pay off the majority of what you owe. Debt consolidation companies communicate with your debtors to negotiate lower rates on your behalf. While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe. For more information on the best debt consolidation loans and credit management options, have a look at our articles on debt consolidation. Debt Management: What Are Your Options? When you start pursuing debt management options, you may get many mixed messages from those in the debt relief industry. Because there is no general industry consensus as to what the best options are, we have narrowed down your options. Many of these options work hand in hand or as part of a larger debt reduction program, but in general, these are your choices: Debt Settlement: Settlement is the process of negotiating with your creditors in hopes of reducing the total amount of debt that you owe them. While you can undertake this process on your own, many people choose to hire a professional debt settlement company or lawyer to negotiate on their behalf. When you begin this process, you set aside funds each month into a separate, insured account. While you're building up your funds, the company or lawyer you've selected negotiate with your creditors in an attempt to lessen the total amount of debt that you owe. When a settlement is reached, the funds that you have been setting aside go toward paying your creditors and negotiation fees. These programs take around two to four years to complete and negatively influence your credit. Debt Consolidation: Consolidation is the process of combining all of your debts into a single, lower payment by taking out a loan to pay off your creditors. Companies usually attempt to lower your debt through debt settlement before recommending you take out a loan. The goal of consolidation is to have a lower payment at a lower interest rate than you currently have. Debt Management Program: These programs often work hand- in- hand with credit counseling programs. During this program, you receive financial counseling and meet with a financial advisor. Additionally, the company managing your debt management program contacts your creditors and attempts to negotiate lower interest rates on your behalf. Lower interest rates allow you to more quickly pay off your debts. This debt relief program does not have a negative impact on your creditors but may limit your credit options for the duration of the program. Bankruptcy: This should be seen as a last resort as it negatively affects your credit for many years. With bankruptcy, you officially declare that you cannot pay your debts. To pursue bankruptcy, you must qualify and complete the entire process, including pre- filing and post- filing counseling. The New Rule: Legal Rules & Regulations. After observing unethical practices that ran through multiple industries, including debt consolidation, the Federal Trade Commission (FTC) created the New Rule. This rule strengthened consumer protections against deceptive claims and prohibited debt relief companies from charging advance fees for service. Debt Consolidation Loans: What Are the Risks? While a debt consolidation is less risky than other options, like bankruptcy, it still carries a considerable amount of risk. When you take out a consolidation loan, you are required to put forth collateral. Most often, the required collateral is a second mortgage or a home equity line of credit. This is incredibly risky because if you cannot meet your payments, your home is on the line. Furthermore, if you have bad credit, debt consolidation loans may come with high interest rates. In addition to putting your home at risk, many consumers end up prolonging their debt. While having one low rate and one payment is an attractive option, many people end up in similar or worse financial situations when attempting credit card debt consolidation. According to Cambridge Credit Corp., a nonprofit credit- counseling agency, 7. Americans who take out consolidation loans end up with the same or more debt after two years. Types of Debt That Can Be Helped by a Debt Consolidation Service. Types of debt vary, and this influences what you are able to consolidate. The first thing to determine is if your debt is secured or unsecured. Secured debt is a type of debt that is secured by collateral, which includes things like your mortgage and car loan. Unsecured debts are loans or lines of credit without collateral attached to them, including credit cards and medical bills. Other options, like student loan consolidation, may vary, depending on the consolidation company you use. Certain unsecured debts, like student loans or payday loans, may not be eligible for consolidation. Before you enroll with a company, make sure to explore your options with a financial consultant so you know exactly which debts you can and cannot consolidate. Debt Consolidation Loans for People With Bad Credit. Many companies advertise low interest rates for direct loan consolidation, but these rates are typically reserved for those with exceptional credit ratings. If you've had trouble with your finances in the past, you most likely will not qualify for these rates; consolidation loans for bad credit, often come with high interest rates attached. However, if you've met with a financial advisor and have the discipline to stick with longer payments, then debt consolidation might be worth the sacrifices. Best Debt Consolidation Companies: What to Look For. When choosing a company to consolidate your debt, it is important to find a company that is reliable and compliant with the FTC regulations. Do not continue to work with a company that does not disclose all of the legally required information before encouraging you to enroll. Company accreditations are another key indicator on whether or not a company is adhering to ethical standards. The accreditations listed below are through private agencies and are not government accreditations. However, these entities are recognized as authorities within the industry and have missions to promote ethical practices within the debt management industry. The American Fair Credit Council (AFCC), formerly known as the TASC, advocates for consumers. In order to become AFCC accredited, a company must be fully compliant with FTC regulations and undergo an annual renewal process. The International Association of Professional Debt Arbitrators (IAPDA) offers certifications and exercises for debt specialists. Companies that are IAPDA certified have been professionally trained and certified in debt management best practices and upholding ethical standards. The United States Organizations for Bankruptcy Alternatives (USOBA) has rigorous standards that include FTC regulations, plus additional standards that debt consolidation companies must adhere to. Lastly, look for what supplemental resources a company offers in addition to consolidation. While any company can provide negotiation or consolidation services, the best companies provide solutions for managing your finances and staying out of debt. Any company who is looking for repeat customers should be avoided. What We Evaluated: What We Found. Debt consolidation programs require you to submit personal identifying information and meet a minimum debt limit before you can enroll in a program. Because of these requirements, and debt consolidation programs' negative impacts on your credit scores, our reviewers were unable to fully test the multi- step debt consolidation process. While we did not test the process, we determined other aspects of the process to be important in conjunction with the program itself, such as customer service and industry credibility. Your financial situation and personal needs determine which company best fits your needs. The following factors are important considerations when determining which debt consolidation program to pursue. Since these programs can take years to finish, it is vital to consider all the information up front. Transparency. How forthcoming a company is with information is a huge factor when choosing a debt consolidation company. Before you choose a company, make sure to understand its history. Due to the New Rule, there are things that a company legally must disclose to you before you enroll in its program. These include educated estimates of the potential length of your program, the cost of your program, your rights as a consumer, and the fact that you are still responsible for your debts and may receive collection calls. Companies legally cannot charge upfront fees for services and must provide an upfront estimate of how long your program will take. Also, companies should never put pressure on you to disclose personal information, such as your bank information, before you enroll in a program. Finally, consolidation companies cannot promise to stop collection calls. Collection agencies are within their legal rights to contact you. ![]() ![]() ![]() Crear una Red entre Windows 7 y XPHabilitar la red para poder imprimir y compartir archivos entre. Windows 7 y Windows XPLa siguiente explicaci. Lexmark x1185 Driver for Windows Vista 64-bit File Name: cjsX1100EN.exe Released: 11/03/2010 Version: 1.0.11.1. Lexmark x1185 Driver for Windows Vista 32-bit. Esta conexión implementa el protocolo IPSEC en lugar de PPTP utilizado por Windows, con lo cual se aumenta la seguridad de la encriptación. Una red inalámbrica es aquella que posibilita la conexión de dos o más equipos entre sí, sin que intervengan cables. A continuación se presenta una guía para. Tutorial sobre Crear Red entre Windows Vista y Windows XP, aprende cómo hacer las cosas en Configurarequipos.
![]() ![]() ![]() Disk Management is a utility built into Windows Vista, Windows 7, Windows 8, and Windows 10 which can be used to create, delete, and format partitions.![]() ![]() ![]() ![]() You can even install Windows Vista with USB 2.0 flash memory drive now. All you need is a high speed 4GB flash memory only to create a bootable Windows Vista on(.). Install Windows Vista from Bootable USB Flash Memory Drive. You can even install Windows Vista with USB 2. All you need is a high speed 4. GB flash memory only to create a bootable Windows Vista on flash memory drive. It sound a bit rare to hear people install Windows Vista on Flash Memory ya. Actually, The concept is simple by using flash memory drive to act as the Windows Vista installation DVD disk only. One of the common problems with Windows Vista and Windows 7 (which used to be an issue in XP before the service pack 3 release), is the annoying “USB Device Not.But installing Windows Vista from a high speed USB flash drive perhaps is the easiest & fastest way to complete a Windows Vista install which nowadays every computer or laptop have a USB drive. Meanwhile, This is much faster than using a DVD, gigabit Ethernet, or possibly even some external USB 2. So below the step to create a bootable windows vista on flash memory drive. Format the USB flash memory drive to FAT3. Run CMD. EXE and type the following command. Note: This set of commands assumes that the USB flash drive is addressed as “disk 1”. Double check that by doing a list of the disks (type “list disk”) before cleaning it). Copy Windows Vista’s DVD ROM content to the Flash Drive. Type in command to start copying all the content from the Windows Vista DVD to your newly formatted high speed flash drive. Setup your computer BIOS to boot from USB Drive. Install Windows Vista from flash memory drive. After finish the above step. Let us know how you feel if whether installing windows vista on flash memory drive compare the installation window vista on DVD media.
![]() ![]() After installing and using an external hard drive under Windows 7 or Vista, the drive is not detected correctly under Windows XP. Ways to Take a Screenshot with the Snipping Tool on Microsoft Windows. Open the Snipping Tool and set a time delay. Windows 1. 0’s Snipping Tool has a new feature, called “Time Delay.” When you take a traditional snip, you don’t have any time to “set up” the shot, making it impossible to capture a screenshot of anything that requires a click from your mouse to open. Unlike Windows Vista, Windows XP doesn’t have a great screen snipping tool. That being the case, it’s still possible to take Screen Shots, Screen Capture or. Invisible best professional keylogger spy software for Windows 10, Win 7, Win 8, Win XP. Saves all computer activities to encrypted logs. Monitor everything. The time delay feature gives you 1, 2, 3, 4, or 5 seconds to move your mouse and click a feature, such as a drop- down menu, before the snip is captured. Options include: . Normally when you select this an overlay instantly appears on your screen. However if you've selected a time delay the overlay will appear after 1, 2, 3, 4, or 5 seconds. How to take a screenshot in any version of Windows. Here are all of the different ways to capture your screen on a device running Windows. How do I take a screenshot (picture of my computer screen) using Windows Vista or Windows 7? How to take a screenshot. Either you got to provide a screenshot of a website or a software you should first know to take a screenshot. The task of taking a. How to Take a Screenshot Taking a screenshot in Windows is done in the exact same way no matter what version of Windows you're using, and it's very, very, easy. When the delay is done, your overlay will appear, effectively freezing your screen and allowing you to take the screenshot you desire. Click down on your cursor and hold as you draw free- form around the object you want to capture. 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