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Charles Essmeier

Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites on the topics of debt consolidation, home equity loans, automobile lemon laws, structured settlements and the withdrawn drugs Vioxx and Bextra.

Visit Charles Essmeier's Retro Marketing at http://www.end-your-debt.com

Articles by Charles Essmeier

» Lemon Laws Don't Protect Used Car Buyers

By Charles Essmeier | Autos | Unrated

Most buyers of new cars are probably familiar with lemon laws, which allow consumers a refund or replacement when their car turns out to be defective. These laws generally cover leased cars as well as purchased ones, and they have worked well as a consumer protection tool. Unfortunately, no such laws exist for used cars, and buyers should be careful when purchasing them.

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» Structured Settlement - Guaranteed Income for those with Disabilities

By Charles Essmeier | Structured Settlements | Unrated

A structured settlement is an increasingly popular alternative to a lump sum payout in cases of accident or long-term disability.

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» Credit Reports - Why Your Credit Score is Important

By Charles Essmeier | Credit | Unrated

Your credit score is a lot more than just a number, and it is used by all manner of businesses for all kinds of reasons. Here is what you should know about your credit score.

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» Home Equity Loan Still a Better Idea Than a 401K Loan

By Charles Essmeier | Mortgage and Refinance | Rating:

There are many reasons why borrowing against your 401(K) account is not a good idea. Here are a few of them, along with suggestions for how to borrow more wisely.

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» Home Loans - Identity Theft Protection Could Hurt Home Sales

By Charles Essmeier | Real Estate | Unrated

Identity theft has been a hot topic in the news during the last few years. Just a month or so ago, forty million credit card numbers were compromised due to a computer attack on a credit card processor. Consumers are rightly concerned, as it can take years to unravel the problems created when someone’s identity is stolen.

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» Credit Report - Look Out for Your Debit Report Too

By Charles Essmeier | Credit | Unrated

Most consumers are not even aware that they have a debit report as well as a credit report until their application to open a bank account is denied. Here is what you need to know to keep yours healthy.

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» New Bankruptcy Law - Five Essential Things to Know

By Charles Essmeier | Bankruptcy | Unrated

Sweeping new bankruptcy legislation is set to take effect in 60 days. Here are five things every debtor should know about the new law.

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» Home Loans and Mortgages - Tips to Avoid Foreclosure

By Charles Essmeier | Mortgage and Refinance | Unrated

With todays high prices and economic uncertainty, anyone can find themselves temporarily unable to make mortgage payments. Here are a few options for avoiding foreclosure.

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» Credit Card Debt - Watch Your Credit Report and Your Bill

By Charles Essmeier | Personal Finance | Unrated

If you own a major credit card, you should check your credit report and your bill regularly. Your credit card company is checking your report, and it may cost you money.

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» Home Loans and Mortgages - Time to Consolidate Loans

By Charles Essmeier | Mortgage and Refinance | Unrated

While long-term mortgage rates are still low, short-term rates are rising. Should you consolidate your home equity loan into your mortgage?

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» Debt Management - More Ways to Save on Gas Consumption

By Charles Essmeier | Personal Finance | Unrated

The price of gasoline continues to move upward, and consumers are feeling the pinch. Here are some more ways to save on gasoline.

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