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Canadian Debt Consolidation
Canadian Debt Consolidation
Life throws people a number of challenges often on a daily basis and unfortunately, some of those are financial challenges. The loss of a job, an illness and many other situations can make paying off loans difficult...
Consolidate Debt With A Home Equity Loan
If you are a home owner who is having to borrow from Peter to pay Paul due to a mounting debt load, a debt consolidation home equity loan may be the answer. A debt consolidation loan will allow you to consolidate your high interest credit card and...
Consolidate Your Debt With A Home Equity Loan And Improve Your Credit Score
A home equity loan is a loan based on the difference between what your current home value is and what you currently owe on your house. There are also mortgage companies that will loan a little over the equity you have in your home. They can usually...
How To Do A Credit Card Debt Consolidation.
Credit card debt consolidation allows you to pay your current
debts in 3-6 years. Under a debt consolidation plan, terms and
conditions change. The purpose of debt consolidation is to speed
up your paying time and at the same time makes lower...
Partners For Life: Credit Card Bills And Debt Consolidation
Meet the Batman – Robin tandem of the 21st century. Or the New Mr. and Mrs. Tom Cruise. Or Brad Pitt and Angelina Jolie if and when they ‘fess up. Today, thanks to inflation, terrorist threats, the euro going up and the dollar going down, citizens...
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Debt and Bill Consolidation - Signs You Need To Consolidate Your Debt
If your debt is becoming difficult to get on top of, here are some questions to ask yourself to help you determine if you need some help managing or consolidating your debt. If you answer yes to any of these questions, you should probably consider applying for a debt consolidation loan or seeking help from a debt management service.
1. Do you borrow from one credit card to pay another?
2. Are you unable to pay down any principal on your loan balances and can you only afford to make the minimum monthly payments?
3. Do you make your loan payments on the very last possible day that you can get away with making your payment? Are you unable to make your payments even a week ahead of the due date?
4. Do you find yourself putting necessities like groceries and gas on a credit card without being able to pay it back by the end of the month?
5. Are you continually seeking new loans or loan sources in order to keep up with your expenses and bills?
6. Do you have more than 5 credit card payments? Are you paying your debt payments to many different companies every month?
If your income is maxed out with debt or credit card payments every month, it can be very discouraging to work all month and only be able to keep up, or not even quite keep up with your bills and debt. Debt can be manageable and livable if you are making progress with paying down your debt balances.
Sometimes, if your income has dropped
or you are in a situation where you have gotten yourself into too much debt. It is best to seek help managing your debt, or applying for a debt consolidation loan, which can lower your monthly payments and leave you the extra money every month to start paying down your principal balance.
You can have financial breathing room if you can consolidate your bills into lower monthly payments. It is a smart thing to do if you are struggling to make your minimum payments.
There are many ways that debt can be consolidated. If you have a home with some equity, you can apply for an equity line of credit which can be used to consolidate your debt. Even if you have no equity in your home, you may be able to qualify for a home loan which will go over the amount of equity you have in your home, sometimes up to 125% of your homes value.
To view our list of recommended debt consolidation companies or home equity line of credit sources, visit these pages: Recommended
Debt Consolidation Companies and Recommended Home
Equity Line of Credit Sources
About the Author
Carrie Reeder is the owner of ABC Loan Guide, an informational website about loans. The site has informative articles and the latest finance news.
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