Tag Archives: Debt

Living in Debt Is Not Easy, Getting a Debt Consolidation Quote Is

The quote given by a debt consolidation company is a debt consolidation quote. Debt consolidation is necessary if you are deep in debt, or have difficulty paying your credit card bills when they are due. Getting a debt consolidation quote is the first step to debt consolidation and becoming debt free. When you speak to a debt counselor, they will find out about your income and expenses and then find the debt consolidation program that can help you the most. The debt consolidation quote will not cost you anything to get and you will know what your options are before you agree to any debt program.

Do some research online about the programs available through debt consolidation, and then get a quote from a reliable firm. Once you have a debt consolidation quote, review the details of the quote and ask any questions that you may have. There may be more than one option for you, so choose the debt consolidation program that fits your specific financial needs.

The internet is the best place to find a debt consolidation company. You can also check your local phone book, but you will have to take time to visit their office and discuss your situation. You can get a free quote on the internet, just by completing a short form. The debt consolidation counselor will call you and discuss the information you submitted and advise you of your options to become debt free.

The debt consolidation firm you choose will be able to tell you about the many people they have helped throughout the years. You will want to choose a reliable company so that you know that your financial situation will be handled in the best way possible.

Take time to learn about the benefits of getting a good debt consolidation quote. There are advantages to each method of debt consolidation, so read blogs and articles on each method of debt consolidation. Debt consolidation loans, debt consolidation without a loan, and debt settlement are all methods that will help you get your financial situation back on track so that you can become debt free.

Consider your options for debt consolidation before making your final decision. Discuss your offer in detail with the debt consolidation counselor and do not commit yourself until you understand every detail.

When you have all of the details, you are ready to proceed with your debt consolidation quote and the debt consolidation program that will change your life. Living debt free can be a reality for you. You don’t want to live in debt any longer.

Brenda Lengel is an expert on helping others get out of debt. To find out how to take advantage of nonprofit debt consolidation, visit her site to get your free debt consolidation quote.

Secured Debt vs. Unsecured Debt – Debt Settlement Help

Many Americans don’t understand the difference between secured and unsecured debt. In fact, few Americans even know either secured or unsecured debt exists.

* Secured debt – Debt backed or secured by collateral to reduce the risk associated with lending. An example would be a mortgage, your house is considered collateral towards the debt. If you default on repayment, the bank seizes your house, sells it and uses the proceeds to pay back the debt.
* Unsecured debt – A debt that is not tied to any item of property. A creditor doesn’t have the right to grab property to satisfy the debt if you default. The creditor’s only remedy is to sue you and get a judgment. Credit card debt falls into this category.

The most straightforward way to understand the difference between unsecured and secured debt to is to work out if your creditor can take away any item or property in the case that you are not able to repay the overdue amount in time. Common examples of unsecured debt, other than credit cards, are medical bills and store cards where you aren’t putting up any materials as security for the debt. Car payments and home loans however do have physical items attached.

Secured and unsecured debt also make a difference when it comes to bankruptcy. In Chapter 7 bankruptcy, you can make the choice of either keeping the product or property and pay off your debt in some other way. When a debt is secured, the creditor has rights in the security (or collateral) in addition to the rights against the debtor. The debtor’s personal liability may be discharged in Chapter 7 while lien rights in the collateral pass through bankruptcy unaffected unless they are avoided or stripped down. In Chapter 13 bankruptcy, you are allowed to keep the merchandise or property, but you will be allowed to pay off your debt according to the Chapter 13 plan.

Danger of Both
Debt Settlement agencies will tell you that both secured and unsecured debt are dangerous. With secured debt, you could lose your home, your car or other possessions. With Unsecured debt, your credit score could take a major beating, any future loans could have seriously high interest rates and more.

Unsecured Debt
Many households across the United States have over $ 25,000 in unsecured debt. In fact, the average American carries over $ 9,000 in credit card debt alone. This raises stress levels, causes sleep disorders and sometimes even depression. Hiring a qualified debt consolidation or debt settlement company can help you clear your debt quicker, pay off your loans for less than you owe and move you towards financial freedom.

Unsecured debt includes:
* Credit Card Debt
* Medical/Hospital Bills
* Department Store Charge Cards
* Oil/Gas Credit Cards
* Personal Loans (unsecured)

USA Debt Settlement – Debt Settlement company / Debt Settlement companies – for more information about Debt Settlement visit www.usadebtsettlement.org

Related Debt Articles

Caution: Before You Enroll in a Debt Management Plan

Credit Counseling offers a mainstream and non-confrontational method for lowering your monthly credit card payments. There are many benefits to a repayment plan, but there are also a few concerns you should be aware of before enrolling in one.

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You have to be able to qualify for the plan based on monthly budget and expenses. You cannot have too little money in your budget, nor can you have too much of a monthly cash surplus.

You should have dependable and consistent income and think twice before enrolling collection accounts that are from charged off credit cards.

BENEFITS OF CREDIT COUNSELING: http://consumerrecoverynetwork.com/credit-counseling-services-help-lower-credit-card-payments/

CAUTIONS ABOUT CC AGENCIES: http://consumerrecoverynetwork.com/warnings-about-credit-counseling-agency-dmp/

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Debt Help Starts Here


Best Debt Relief Solution Options – An Overview


Ask a Debt Collection, Debt Settlement, Credit Card or Credit Reporting Question – Get Help

(reader questions for our channel are selected from here)

Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.
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How To Get a Debt Consolidation Loan

Getting a debt consolidation loan isn’t that hard. If you know where to look. There are two kinds of debt consolidation loan lenders. Prime, and high risk.

Whenever you are looking for a debt consolidation loan to consolidate credit card debt, always start and end with your bank. Otherwise you could end up in a situation where you are paying 30-39% interest to a high risk lender.

Watch the video to learn how to get a debt consolidation loan.

Visit: http://www.totaldebtfreedom.ca/ for more info

How to Know Whether Debt Consolidation is Right for You

When considering debt consolidation, you should think about how, and if, it will actually help you achieve your financial goals. Be cautious and know your options. Not everyone offering to help consolidate your bills are really providing you with a debt relief solution, as much as they are looking for customers.

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Read more about cautions before consolidation see: http://consumerrecoverynetwork.com/consolidating-credit-card-debt

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Twitter – http://twitter.com/debtbytes
Facebook – https://facebook.com/consumerrecoverynetwork/


Debt Help Starts Here


Best Debt Relief Solution Options – An Overview


Ask a Debt Collection, Debt Settlement, Credit Card or Credit Reporting Question – Get Help

(reader questions for our channel are selected from here)

Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.
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In Debt We Trust Documentary – English Documentary -How Money and Credit Control Your Life

Debt is like a disease that can enable us from living a happy and normal life by taking control over our lives. Most of us don’t even know how we end up in the situation we are in. Buying every thing we own with credit has become our culture. But don’t let debt control your life any more. You can take over your life again. Imagine life with out debt!

Debt Buyers: Last Week Tonight with John Oliver (HBO)

Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it!

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Facts Customers Should Be Aware Before Considering Credit Guidance or Debt Consolidating

Definitely, the hate post is obviously from some individuals that eventually get these “certain kinds” of organizations we talked about and people organizations obviously are Credit Counseling or debt consolidation reduction organizations; that many “claim” to be non-profit companies.

You’d nearly have to be an ostrich together with your head caught inside sand not to see or hear one or more advertisement every day from a Credit Counseling or Debt Consolidation business. However, you can expect this to improve and change soon. Because this is a topic which will “stir-up” the people who own these businesses, my goal is to simply take another type of approach by never revealing my opinion, but rather, the opinion of other people. I shall start with the news media therefore the Internal Revenue Service:

“(NPR News, May 15, 2006). The Internal sales Service is revoking the tax-exempt standing of some of the biggest credit counseling companies in the united states. An IRS research disclosed that the organizations solicited business from folks seriously indebted and they don’t provide counseling or consumer education, as required.

Prodded to some extent by a congressional oversight committee and customer supporters, the IRS started examining lots of credit guidance companies — most holding non-profit condition — 2 yrs ago. IRS Commissioner Mark Everson says the firms “poisoned a complete sector regarding the charitable neighborhood.”

Everson claims in most cases, organizations were arranged simply to funnel company to loosely affiliated for-profit organizations. Most of the companies spend huge amount of money on advertisements that desire anyone with debt to phone them to fix their particular financial woes. And because tax-exempt organizations aren’t limited by the federal do-not telephone call listing, the corporations were able to randomly call consumers, pitching their services under the guise of a non-profit counseling solution.

The IRS investigations will also be prone to affect consumers, as a result of an innovative new personal bankruptcy law that requires consumers thinking about bankruptcy getting guidance before they truly are allowed to register. The IRS really wants to ensure that just legitimate non-profit companies are performing the counseling. Besides the actions announced Monday, the IRS is delivering over 700 compliance letters towards rest of the credit guidance industry (END).”

Since practically all Credit guidance and debt consolidation reduction organizations claim a non-profit status, personally i think most ındividuals are easily drawn in due to their doubt and defenses at bay. In the end, whenever many of us hear the word “non-profit” first thing we often consider is a church or homeless housing.

From the NPR article and also the actions of the IRS, i believe it really is reasonable to believe that numerous of the “non-profit” companies being operating under a scenario similar to that of a wolf guarding a hen household. However, this doesn’t imply all credit counseling and debt consolidation reduction businesses are bad but… you do must know the reality how they operate and their particular limitations.

The first thing you want to comprehend is these businesses are ALL more interested in making money off you than they have been in preserving your credit history. The conclusion with either credit guidance or debt consolidation reduction is that it positively ruins your credit. I can simply hear the companies arguing this with a consumer right now, informing all of them nonsense like “it can help your credit since it informs creditors that you’re working on your position and not running far from it.” Tune in… if one these locations lets you know that than watch out. The Reason Why? Because they will lie to you about other stuff aswell!

One of the very first activities these programs generally calls for that do is actually for that CLOSE your revolving credit accounts. Afterward you make payments into the business and so they take care of every little thing for you. Exactly what this claims to all or any your creditors (including any person considering providing you credit) is that you are incredibly out of control with your funds which you can not also handle spending everybody else right back yourself. For that reason, you are employing someone else to get it done for you!

99% of the time these companies will claim they could negotiate with your creditors and get rates of interest reduced therefore saving you cash. While this does work, what’s in addition true is you can easily negotiate these same rates as well as they are able to just by calling creditors yourself. You would be astonished at just how many of your lenders sooo want to hear from you (especially as soon as the chips tend to be down!). Maybe not too point out, hardly any money the guidance business would be to help you save would more than likely be drawn backup by their particular monthly fees (usually around $ 500 to $ 1,000 each year).

This brings united states into a complete various other dynamic of the enterprize model. Because these organizations always make their funds from month-to-month charges compensated by the customer, the longer they are able to hold those monthly charges coming in the more lucrative their business will be. It’s as a result that a lot of consumers just who register with one of these organizations frequently find themselves on repayment programs using lowest payment per month feasible (which ends up to also be the LONGEST payment program and). Unsurprising will it be?

Am I against Credit Counseling and debt consolidating organizations? No way. After all, you can find millions of people in America that will never be in a position to manage their particular funds. Credit to them is a destructive addiction just like alcoholic beverages or drugs and they’re going to never be able to get a grip on it. Instead, it will always get a grip on them. We have all seen these people. Each time they are extended credit soon thereafter these are typically in economic difficulty (usually blaming it on some external aspect). For those people I think these credit and financial obligation counseling programs could be the best thing (as a ruined credit history just isn’t a hindrance in their mind but in fact a secured asset). It keeps them regarding future financial difficulty by pushing them to call home their resides on a “cash-and-carry” basis; which can be fundamentally favorable to a better quality lifestyle later on.

On the other hand. If you’re good together with your funds and now have control with credit but experienced some sort of difficulty beyond your control in past times (for example. breakup, job reduction an such like); then your solutions of those companies won’t be obtainable. You will definitely do far better and protect your credit score by taking things into the very own fingers. Reason being is you realize your credit score is a robust device that will help you proceed faster, assist others and help your self also produce the life you need. All of it comes down to self management. We all know that people who cannot manage themselves will finally be managed by others. Credit is no different. Once you learn how to handle it really, you might be the master and it is the servant.

If you value your credit and would like to reap the benefits of it as time goes on, you will never rely on a credit or financial obligation counseling solution to acquire from any difficulty you are in. Rather, you’ll look inwards and get your self out while preserving your credit history the best it is possible to. Credit and debt counseling is actually for people that are “ok” with throwing their credit score within the trash for them to have “another person” handle their repayments for all of them (being that they are struggling to manage them by themselves). And again, so far as negotiating rates of interest, you can certainly do equally as good as all of them or much better. If you do not trust in me simply call many creditors and straight out let them know your circumstances. You will rapidly get a hold of you don’t need to be afraid of those. They simply would like to get compensated like the remainder people.

Jay Peters is the founder of customer Education Group which publishes the Credit techniques Bible (in print since 1994). For totally free Credit recommendations including “how to have your credit file at no cost” check out their website: http://www.TruthAboutCreditRepair.com

For news inquiries or interviews Jay is contacted at (928) 848-1400 or e-mail: JayPetersOnline@yahoo.com

Associated Credit Counseling Articles

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