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Christian Debt Consolidation – Feel Comfortable About Managing Your Debt
Many Christians feel uncomfortable with the notion of being in debt, and even more so when the debt has gotten out of control. Some say that it is not acceptable for Christians to owe any money, even for such necessities as a home. Others feel...
Consolidate All Your Debt Into One Monthly Payment
Are you feeling overburdened with debt? Are you paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, convenient repayment through a consolidation loan? Consolidation...
Debt Consolidation Company and Companies
Debt consolidation companies have dotted the debt solution landscape as a result of the critical financial conditions consumers find themselves in from heavy credit card debt and other unsecured loans. With approximately 80% of Americans in debt...
Reduce Your Debt - How To Use Debt Consolidation To Get Yourself Out Of Debt Permanently
Debt consolidation can get you out of debt permanently if you make it part of a financial plan. Within five years, you can have your unsecured loans paid off and on your way to debt-free living. The key is to plan for the future. Get Your...
UK Credit Card and Debt Consolidation Loans
Your current situation. You have got several credit and store cards and several loans. You are finding it difficult to make the payments each month. Generally you do make the required payments but this means that other parts of your like are...
 
Reduce Debt - How To Prevent Bankruptcy By Reducing And Consolidating Your Debt

You can prevent bankruptcy by consolidating your debt with the help of a loan or debt consolidation agency to reduce your monthly payments and quickly pay off your liability. But before signing final paperwork, you should develop a financial plan and research your options.

Goal Of Consolidation

The goal of consolidation is to lower your monthly payments so you can pay off your debt and avoid bankruptcy. However, consolidation only works if you make it part of a larger financial plan. You have to be committed to reducing your liability and saving for financial emergencies.

Once you have consolidated your loans, it is a good idea to build a financial cushion of six months worth of cash reserves. This ensures that you can pay cash for the inevitable financial emergency and not increase your credit load.

Your next goal should be to make extra payments. The sooner you can pay off your principal the less you will pay in interest payments.

Types Of Debt Consolidation Loans And Programs

The two types of debt consolidation loans are mortgage loans and personal loans. Mortgage loans are ideal since their interest is tax deductible. However, you need to be sure that you have enough equity to borrow against and that you can recoup the cost of up front fees.

The other option is to use a personal loan. Personal loans are based on your credit score and income. Personal loans typically have lower interest rates than


credit cards, but are usually higher than mortgages rates.

Instead of a loan, you can also use a debt consolidation service. These companies will negotiate lower interest rates with your creditors. There are no fees involved since these companies are usually non profit. They also provide credit counseling, offering financial advice and guidance.

Debt Consolidation Providers

Depending on what type of loan or program you choose, debt consolidation providers are relatively easy to find. If you are planning to use your home equity, then you will want to search for a mortgage lender. Many lenders offer free quotes online for easy comparison.

Personal loan lenders also can be found online. As with any financing company, you need to research rates and terms to find the best deal. Requesting a quote from a lender does not lock you into a loan. Legitimate lenders will be more than willing to provide this information to help you make a wise financial choice.

You can also get connected with debt consolidation services online. Some directory sites will help you find an agency in your area or you can work with a national agency.

About the author:

See my recommended Debt Consolidation Companies online. Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

 

Debt consolidation calculator, debt calculator - MSN Money
Consolidating your debt in a single low-interest loan can save on interest payments and speed the process of paying off debts. This calculator will help you ...
moneycentral.msn.com
 
Your 3 worst debt consolidation moves - MSN Money
If you're up to your eyeballs, the fantasy of debt consolidation can suck you right in. Watch out for the slippery side of consolidation loans, ...
moneycentral.msn.com
 
DebtConsolidation.Com - 1-800-CUT BILLS® (1-800-288-2455). We Make ...
(1-800-DR. CREDIT, 1-800-372-7334). The leader in Debt Consolidation! Zero Percent 0%APR interest for Life! on your high interest/balance credit cards.
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Debt Consolidation - Loans DIY Forums and Ranking chart - BBB Member
Is Debt Consolidation good for you ? Get FREE counseling from a BBB member company. Avoid bankruptcy, become debt free, deal with collection agencies and ...
www.debtconsolidationcare.com
 
Debt Consolidation Loans - Consolidate Debts
Debt Consolidation Connection offers FREE debt consolidation quotes to help you avoid bankruptcy and consolidate debts and loan payments.
www.debtconsolidationconnection.com
 
Consumer Credit Counseling and Debt Consolidation
National non-profit credit counseling agency offers financial education and debt consolidation.
www.consumercredit.com
 
Dangers of debt consolidation
Are you tempted to take out one big loan to pay off your various debts? Look closely before jumping into debt consolidation. It could cause as many, ...
www.bankrate.com
 
FREE QUOTE. Get your debt consolidation quote here from the ...
Are you in debt? ... If so we can help you consolidate. Great loans from leading companies; all standards of credit looked at with over 200 loan plans. ...
www.moneyweb.co.uk
 
E-LOAN: Debt Consolidation Loan, Consolidate & Pay Credit Card ...
E-LOAN offers a variety of debt consolidation loans to save you money, lower your payments, or reduce taxes. Search rates and apply online.
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Debt consolidation - Wikipedia, the free encyclopedia
Debt consolidation entails taking out one loan to pay off many others. ... Debt consolidation can simply be from a number of unsecured loans into another ...
en.wikipedia.org
 
Debt Consolidation - Loans, Debt Management, Consolidate loan ...
Get FREE Debt Consolidation advice to consolidate debt and loan payments. Avoid bankruptcy, become debt free and lower your payments.
www.mortgageloan.com
 
The Truth About Debt Consolidation
Find out why Dave Ramsey says debt consolidation is a dangerous way to try to get out of debt.
www.daveramsey.com
 
IVA debt advice | debt consolidation
IVA, Debt consolidation, bankruptcy and IVA advice free from the Debt Counsellors.
www.debtcounsellors.co.uk
 
debt consolidation credit counseling free credit reports you'll ...
Debt consolidation credit counseling giving free credit reports for credit repair and consumer credit counseling. Bill consolidation by utilizing low ...
www.creditinfocenter.com
 
bizjournals: Debt Consolidation - Consolidation Debt - Debt ...
Debt Consolidation - Information on consumer credit, bankruptcy, loans and debt consolidation from the Internet's leading source for national and regional ...
www.bizjournals.com
 
Debt Consolidation - Powerforum Plus+ Pro (www.hotboards.com)
Get the best debt consolidation program available online. Pay off all your old bills and get rid of debt for good. christian debt consolidation debt ...
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Powerforum Plus+ Pro (www.hotboards.com)
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Debt Consolidation Loans
Debt Consolidation Loans helps consumers reduce their debt through low-rate home equity loans and second mortgages.
mybestdebtconsolidation.com
 
Federal Trade Commission
Self help, debt consolidation, credit counseling, bankruptcy.
www.ftc.gov
 
Federal Debt Consolidation Services - credit cards loans ...
A free online application for debt consolidation. Credit cards, medical bills, old debts and unsecured loans.
www.federaldebtservice.com
 
 

 
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