New credit debt settlement laws

New credit debt settlement laws have made debt settlement programs a much better option than filing bankruptcy. The new federal laws provide much more protection for consumers seeking debt relief. Now if the debt settlement company can't negotiate a successful settlement deal and eliminate your balance by at least 35% you won't have to pay a penny. Getting out of credit card debt is never easy and unfortunately there were many shady debt relief companies that took advantage of desperate Americans simply looking for help with the credit cards. These companies have prospered since the new bankruptcy laws were passed in 2005 making bankruptcy for less appealing. While many debt settlement companies were legitimate and did things the right way, many more were shady and deceptive. Well, it's safe to say that all those shady businesses have been put out of business with these new laws.

If we envisage then we will see that only the legitimate companies are left. The companies that have a proven track record and are comfortable collecting there fee on the back end when the debt actually settles, will stay stay in business. They know the settlement process does work when done correctly by the right company. In 2009 alone over $1 billion in unsecured debt was settled via debt negotiation companies.

Driven by a continuous rise in middle class households and the changes in the consumer spending pattern, the credit card market in emerging countries has grown stupendously in recent years. During 2006-2008, Poland and Russia witnessed a CAGR of around 22% and 29% respectively in the total number of credit cards in circulation. Moreover, the industry in these markets has been able to survive successfully amid global financial turmoil, owing to low credit card penetrations.

According to our research report “Global Credit Card Industry - Emerging Markets”, the year-on-year growth in the credit card issuance in emerging markets is forecast to accelerate in near future due to low credit card penetration rates and the initiatives taken by the regulators. In this regard, we have done extensive analysis of the credit card market of key countries across the world. The countries that have been covered in our report include: China, India, South Korea, Russia, Poland, Brazil and Mexico.

Our research finds that in countries like Brazil, South Korea and Mexico, the purchases made through credit cards have shown a positive growth trend in past years. The report also identifies that the future of this market remains buoyant despite the recent economic downturn. The baseline for the optimistic future outlook of our report is that governments in most of the emerging countries are encouraging credit cards usage to cut the operating cost and to avoid tax delinquencies. Changing consumer behavior will also pave the way for global credit card market over the forecast period (2010-2013).

Our report provides an extensive research and rational analysis along with reliable statistics of the credit card market in the emerging economies. The report has thoroughly examined current market trends, industrial developments and competitive landscape to enable clients understand the market structure and its progress in coming years. Due consideration has been given to the possible after effects of recession on the industry while making the forecast. It will help clients to have a proper insight of the current and future outlook of the credit card market in developing economies.
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