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Debt Consolidation
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Our recommended Debt consolidation companies
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People on Debt Management Plans: A Must-Do List
Reputable credit counseling organizations employ counselors who are certified and trained in consumer credit, money and debt management, and budgeting. Those organizations that are nonprofit have a legal obligation to provide education and counseling. But not all credit counseling organizations provide these services. Some charge high fees, not all of which are disclosed, or urge you to make "voluntary" contributions
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Before Choosing a Credit Counselor
1. Look for an organization that offers a range of services, including budget counseling, savings and debt management classes, and counselors who are trained and certified in consumer credit, money and debt management, and budgeting. Counselors should discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems now and avoid others in the future. An initial counseling session typically
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What is Debt Consolidation?
There are many companies out there offering "Debt Consolidation" which is also known as Debt Consolidation Loan, Debt Management Plan, Credit Counseling, and Debt Elimination. There are many reasons why people get into debt. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with
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What is Debt Negotiation?
Debt Negotiation or Debt Elimination is considered a specialty service, which is mostly offered to people who "fall out" of a debt consolidation program, can't make the minimum payment of a debt consolidation program, or have large outstanding debts on which they haven't paid in the past 3 months. The main benefit of a debt negotiation service is that clients usually only pay around 50%
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Debt Consolidation Loans
Debt consolidation loans are personal loans that allow people to consolidate their debt into one monthly payment. The payments are often lower because the loan is spread out over a much longer period of time. With one monthly payment and a fixed monthly payment schedule, you may actually see the end to those monthly payments. Although the monthly payment may be lower, the true
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Bankruptcy All you need to know
Bankruptcy Alternatives: There are two main options that we would suggest before choosing a bankruptcy: 1. Debt Consolidation 2. Debt Negotiation. There are essentially 2 types of bankruptcies you can file: Chapter 7 and Chapter 13. The purpose of bankruptcy is: 1. To provide relief when you cannot pay your debts 2. To return as much money as possible to your
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Get Out Of Debt
You're drowning in debt, credit card bills are piling up and you are highly stressed. Over 70% of the American population is seriously in debt. There are debt consolidation companies out there who claim they can help consolidate your payments and work with your credit card companies to get your interest rates down; but beware of such claims. I cannot count how many companies like these have gone under
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Make Debt Consolidation Firm Working for You
Finding yourself under huge debt is a nightmare turned reality for many people. No matter how hard they try to pay off their debt it just never seems to go down. This is where debt consolidation comes in. Debt consolidation allows you to have one bill from one company every month. The first important step is finding a debt consolidation company that is right for you. You
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