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Credit And Debt Consolidation
In a simple analogy, I suppose you could compare debt consolidation loans to playing poker machines. You hop on-line, find one that looks pretty good and sign up. Big mistake. If you don’t get the right financial advice first you may find that it doesn’t pay out your way. Before you
The first step in any form of reducing debt is to get a free debt consolidation evaluation from a reputable credit counseling company. Finding the right solution to financial problems can be hard by yourself, especially when you don’t have the knowledge or expertise in the field. This is why it is important
Many years ago, companies were selling debt solutions counseling offering little more than showing you how to go bankrupt. These days, and rightly so, the focus is on how to consolidate debt. Recent changes in law mean that a debt solutions company can offer you a wide range of options and to consolidate
Debt Recovery – How easy is it to repair your credit
What is Debt Recovery? There are two very different meaning to this phrase. The first is regarding companies trying to recover their debts from you as a consumer. On the other side, the one we will focus on is you as the consumer trying to get yourself out of debt. To repair your credit you
Know how to solve debt problems
Debt consolidation program is no doubt a smart solution to your debt problems. However, there are 6 other ways to pay off debt. Check out the options as given below.
Self repayment plan: This is an option where you don't need professional debt assistance. You can pay off debt on your own. All you have to do is, assess your financial situation and prepare a repayment plan according to your budget.
Debt management: This is a debt assistance program which allows you to deposit money with a credit counseling agency. The agency then uses this deposit to pay off your bills according to a payment plan negotiated with your creditors. When you're into a debt management plan (DMP), chances are that your creditors may lower interest rate and waive off certain fees. The best thing is, you can pay back your bills in a comparatively short time.
Debt settlement: It's a process by which you can eliminate debts by taking help of settlement companies. These companies negotiate with creditors thereby reducing your outstanding balance by 40%-60%. Once you settle the dues, you can save good amount of dollars as you don't need to pay the entire balance.
Debt consolidation loans: This is a kind of personal loan with which you can consolidate your dues (credit cards, medical bills and unsecured loans) into a single payment. That is, you pay off debts using a single loan. Then you'll have to make a single payment each month in order to pay back the consolidation loan. This helps in paying off debts without having to deal with several creditors at a time.
Bill consolidation: This is helpful especially when you need to consolidate bills. This is similar to loan consolidation wherein a bill consolidation company negotiates for reduction in interest rates so that you can pay back your dues. It helps to consolidate your dues into a single easy payment each month thereby reducing your financial burden.
Bankruptcy: Apart from debt consolidation or settlement, bankruptcy is another option to help you get rid of your dues. As a consumer, you can file either Chapter 7 or Chapter 13 bankruptcy depending upon which type will suit you and which one you'll qualify for. However, it is best to avoid bankruptcy because it ruins your credit history and does not help you to write off all your dues.
Top rated articles to help you lead a debt-free life
7 steps to become debt free: If you have a lot of dues and don't know how to pay them off, talk to creditors about your financial crisis. Prioritize your debts and prepare a budget for your expenses. Check out 7 steps to help you lead a debt free life. If required, take professional help through debt consolidation services in order to get out of debt.
Debt relief: Debt relief is possible if you're able to choose the right debt assistance program that suits your situation. You need to explore various options and make use of the pay off debt option which will give you quick relief from the burden of monthly payments to your creditors.
Credit card debt consolidation: This is one way of consolidating your credit cards in order to pay them off easily. Credit card debt consolidation helps you to avail a reduced rate of interest which lowers your monthly payment.
Christian debt consolidation: This is similar to debt consolidation services except that it involves Christian values while helping you to pay off debt. Christian debt consolidation companies are non-profit organizations that help you consolidate multiple bills into one easy payment.
30 sample letters: Here you'll find a list of 30 sample letters to creditors or collection agencies. Usually credit bureaus and collection agencies do not accept letters in an improper format. So, make sure that you use the right format in your letter and don't miss out any relevant information.
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