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Debt Consolidation - Types Of Help Available For Unsecured Debt Consolidation
There are several types of help available for unsecured debt
consolidation. You can choose to take out a debt consolidation
loan to lower your rates and payments. You may also choose to
use a debt consolidation programs, letting a third party...
Debt Management - How a Debt Consolidator Can Reduce Your Debt
A Debt consolidation program starts with evaluating your financial situation. This process involves an in depth analysis of your financial standing. That analysis will help you to evaluate whether it is better to file for bankruptcy or go for a debt...
Is Debt Consolidation For Me?
People with large debts always assume they just can't afford to get out from under their debts, so they let them pile up dollar-by-dollar, year-by-year. No one has to live with large debts, there is always a way out. Debt consolidation is for anyone...
Unsecured Debt Consolidation - Pros & Cons
Unsecured debt consolidation lowers your rates, helping you to pay off your debt sooner with one easy payment. You can also reduce your monthly payments. However, consolidating your short term loans can temporarily lower your credit score. You may...
What You Need to Know About Debt Consolidation
Debt consolidation is often a last resort for people who are in extreme debt and trying to avoid bankruptcy. Many people who are not in danger of bankruptcy, but have debt on high interest credit cards may also choose to consolidate their debt. Debt...
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Debt Consolidation Company Information - Compare Debt Consolidation Companies Online
Not all debt consolidation companies are the same. Some are in
the business of offering you a service to pay off your bills and
clean up your credit history. Others take advantage of your
situation and scam you out of your money. To protect yourself
from such companies, compare programs based on their services
and promises.
Non-profit Versus For-profit
The only difference between non-profit and for-profit debt
consolidation programs is how they file their taxes. Some of the
largest fraudulent companies claimed non-profit status.
However, there are many legitimate non-profits. Some of these
companies are subsidized in part by creditors, reducing fees you
would have to pay. This is especially true for agencies which
cater to those with poor credit.
Legitimate for-profit companies charge comparable rates, but
they usually focus on those who still have a good credit score
but are struggling to pay bills. Like a non-profit, they can
reduce your interest rates for most types of unsecured loans,
making repayment easier.
Monthly Payment Quotes - The Litmus Test
The real litmus test to find a credible debt consolidation
company is to request a monthly payment quote. By providing
information on your account balances, interest rates, and
creditors' names, a debt
consolidation company can give you an
accurate quote. Compare this payment with several other agencies.
Since all companies will get you the same low interest rate with
a creditor, there should be very little difference between
quotes. Anything too low is a sign of a shady deal.
Services Provided
Besides requesting quotes, you should also research the services
they provide. Debt consolidation involves constant communication
with creditors to lower rates, remove late charges, and close
accounts. Companies that fail to mention what they do for you
are probably more interested in taking your money than servicing
your accounts.
Also be suspicious of companies that offer debt settlement or
bankruptcy help. If they are doing their job, there is no reason
to use these credit damaging services.
In the end, take the time to research companies to find one you
are comfortable with. By making the investment of time now, you
can save yourself headaches in the future.
About the author:
See my recommended Debt
Reduction Companies online. Carrie Reeder is the owner of ABC Loan
Guide, an informational website about various types of
loans.
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