A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house or an automobile. With secured debts Cheap Nike Shoes Free Shipping , if you fall behind on payments, the lender can repossess the property that originally secured the debt. An additional drawback to secured debt is the fact that you may remain liable for the deficiency balance owing on the debt after your property has been repossessed and sold.

However, the laws regarding home mortgages vary from state to state. This means that a lender's debt recovery rights will depend on the terms of your mortgage and whether any other lenders also have an interest in the property.

Unsecured debt is debt in which you borrow from a creditor to obtain goods or services on credit in exchange for your promise to repay the debt. The primary difference between secured and unsecured debt is that unsecured debt is not collateralized by personal property.

Unsecured debt is commonly given in the form of credit card debt, commercial debt Cheap Nike Shoes China , medical debt, and personal loans. If you fall behind on an unsecured debt, lenders can take legal action against you, but more commonly will try to work out a reasonable debt settlement. It is possible for a secured debt to become an unsecured debt when the property that is securing the loan has already been repossessed and sold by the creditor.

Traditionally Cheap Kids Nike Shoes , if the sale of the property does not cover the full amount of the debt, it will result in a deficiency balance which is still the responsibility of the consumer. This deficiency balance is now considered an unsecured debt because no property is securing it. In many cases, this balance can be successfully resolved through a debt settlement program.

Alan Barnes
IAPDA Certified Debt Arbitrator and
President and CEO of Debt Regret

Steve Irwin (The Crocodile Hunter) ...an Absolutely Brilliant Marketer! Marketing Articles | September 12, 2006
My daughters and I loved watching The Crocodile Hunter. Steve's Passion and enthusiasm for wildlife conservation were unmatched. But in addition to being a masterful entertainer and educator. Steve Irwin was also a brilliant marketer.


Instinctively he knew that to spread his message of conservation Cheap Womens Nike Shoes , he needed to first grab his audience by the eyeballs and get their attention.


A skilled showman and communicator, he could make the most mundane animals appear deadly and interesting. Captivating his audience by building suspense and tension that kept them riveted to his message.


With his hyper-animated presentation, colorful language (he introduced the world to his very Aussie catch phrase "Crikey") and unwaveringly khaki wardrobe he created a consistent and memorable personal brand. He was his own, walking talking USP (unique selling proposition.)


While many wanabes and knock-offs tried to copy his adventurous style and antics none of them ever came close to matching his level of success. He was truly one of a kind.


The Crocodile Hunter was also a master at generating publicity and working the media. Probably the greatest ambassador to the world Australia has ever had. Steve Irwin regularly made the rounds on every major television show imaginable Cheap Mens Nike Shoes , from small local news stations to Letterman, Leno, Larry King and Oprah. He was a walking, talking news hook. A publicists dream!


Even when his actions stirred up controversy (who can forget the image of him feeding a croc with his newborn baby in his arms...) his ratings and popularity only improved.


And if viral marketing is your thing Cheap Nike Shoes , Steve was one of greats! The viral buzz his TV antics created around water coolers world wide was simply astounding. His exploits spread via word of mouth like wildfire as folks energetically recreated, described and relived the "close calls" Steve had on the previous nights show.


In fact in a recent blog post Michel Fortin identified three essential response-boosting ingredients for effective viral marketing. Curiosity, scarcity and controversy. (Steve was an absolute master of all three.)


? Curiosity? What's more "curious" than a man kissing a 14 foot crocodile on the head and saying, "isn't she a beauty"?


? Scarcity? There was (and will always be) just one "Crocodile Hunter".


? Controversy? Steve certainly had a knack for stirring up and leaving controversy in his larger-than-life wake.


And boy could he work the backend! His spinnoff products are almost countless...