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Can Debt Consolidation Help You Avoid a Financial Emergency?
Studies have shown that most filed bankruptcies are caused by a few specific reasons. Unexpected medical bills, divorce, and unemployment are the three biggest causes behind bankruptcy. However, these things alone do not usually lead to...
Credit Card Debt Settlement
Have you started receiving credit card debt settlement notices
in the mail? Have you been receiving collection calls? If this
is the case, you have probably been in debt and been dealing
with financial difficulties for quite some time.
...
Debt Elimination 1
If you have multiple debts, you may well be wishing you had a debt elimination wand to wave and make all the debts disappear. You would probably wish even harder for that magic wand if you were falling behind with, or at least struggling hard to...
Debt elimination & debt consolidation can work together
Debt elimination has always been my goal. But on this day, when
I received the bill for the sudden replacement of the clutch in
my car, the VISA bill and word that my daughter needed
orthodontics for her teeth, how was I ever going to realize...
What is gambling debt counseling?
Gambling is addictive and could lead to severe debt. Nearly 75%
of the American population gambles occasionally. Gambling could
lead to mental stress and could leave you without a dime. There
are thousands of people who gamble and are caught in a...
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Begin The Debt Consolidation Process Today
Are you in debt? Are you tired of answering harassing call and
mails from various creditors? Are you unsure of whom to pay and
for how much? Do you have too many cards and are not sure how
much you owe? In today's economy, it is all too easy to get
seriously into debt; and the only way to get out of it is debt
consolidation.
What exactly is debt consolidation?
Simply put, debt consolidation is a debt reduction system that
allows consumers to combine their assorted unsecured debts into
a single payment. Instead of sending out payments on six or
seven bank and store credit cards, you could easily make one
payment to the debt consolidation company and that company would
then send the funds for you.
This money management system can be highly advantageous to the
consumer, as the debt consolidation company generally negotiates
a reduced interest rate, a reduced balance, a lower monthly
payment and eliminates late fees. The best part is you are given
a set time period when the debt will be paid off in full.
Mortgage loans and car loans are not subject to consolidation
since these are secured. Unsecured loans like bank credit cards
affiliated with Visa and MasterCard and assorted department
store credit cards are the typical items you will put in a debt
consolidation program.
Should debt consolidation be preferred to bankruptcy?
Creditors view debt consolidation in better light than
bankruptcy. This is because debt consolidation shows the
consumer's willingness to
put forth a strong, good faith effort
to take responsibility and pay for his debt; in contrast, when
debtors file for bankruptcy, they opt to erase debt or pay
little back, leaving creditors with very little from the debtor.
Although bankruptcy allows consumers to wipe out their debt and
start fresh, it also destroys the consumers' credit background.
With debt consolidation, a consumer can greatly reduce his or
her debt, merge multiple payments into one payment, and preserve
their credit background by avoiding bankruptcy.
There are ways and means of going about debt consolidation, such
as contacting debt consolidation companies and applying for debt
consolidation loans. The Internet also lists many companies that
are willing to help consumers begin the debt elimination process.
Visit http://www.liabilityrelief.com for more information on
credit card repair, debt consolidation, and debt consolidation
counseling.
Alden Smith is a published and award winning author who writes
on a variety of subjects. To learn more about debt
consolidation, visit his website at
http://www.liabilityrelief.com.
About the author:
Alden Smith is an award winning author who writes on a variety
of subjects. His company is a leader in content management and
research. To learn more about debt consolidation, visit his
website, http://www.liabilityrelief.com. There, you will find
articles and information on credit card repair, debt
consolidation, and debt consolidation counseling.
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| Advertisements Promising Debt Relief May Be Offering Bankruptcy |
| Cautions consumers about ads in newspaper, magazine and telephone directories that offer quick fixes for debt problems. |
| www.ftc.gov |
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| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
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| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
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| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
| The HIPC Initiative is a comprehensive approach to debt reduction for heavily indebted poor countries pursuing IMF- and World Bank-supported adjustment and ... |
| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
| February 6: A year ago the Guardian set out to track the west's promises of action for Africa on aid, trade, health and debt relief. As G8 finance ministers ... |
| www.guardian.co.uk |
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| Debt Relief Options - Findlaw for the Public - |
| Welcome to Debt Relief Options. This section contains information about the ... To begin, select one of the Debt Relief Options topics from the list below ... |
| bankruptcy.findlaw.com |
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| William Brewer |
| The Brewer Law Firm. William E. Brewer, Jr., Attorney at Law Board Certified Consumer Bankruptcy Specialist. 619 N. Person Street Raleigh, NC 27604 ... |
| www.debtrelief.com |
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| Debt Relief - InCharge Debt Solutions |
| There are many ways to get out of debt, for good, and it may be easier than you think. The first step is knowing your options, the second step is taking ... |
| www.incharge.org |
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| Economic Policy and Debt |
| May 2006, IMF And World Bank Support Cameroon’s Completion Point Under The Enhanced HIPC Initiative And The IMF Immediately Grants 100 Percent Debt Relief ... |
| www.worldbank.org |
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| Economic Policy and Debt - The Enhanced HIPC Initiative |
| The Initiative’s debt-burden thresholds were adjusted downward, which enabled a broader group of countries to qualify for larger volumes of debt relief. ... |
| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
| Debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. ... |
| en.wikipedia.org |
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| Debt Analyzer, Debt Reduction Software, Home Page |
| Debt Elimination at its best! Potential savings of hundreds or thousands of dollars! Build debt reduction, timed elimination or consolidation schedules. |
| www.debtanalyzer.com |
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| Superior Debt Relief |
| We help you get rid of credit card debt much faster than you may believe possible with credit card debt settlement and negotiation tactics, providing debt ... |
| www.superiordebtrelief.com |
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| Debt Relief - Social and Economic Policy - Global Policy Forum |
| Aid Inflows, Debt Relief Yet to Translate into Reduced Poverty (March 20, 2006) ... Fearing that the IMF could tie debt relief to economic benchmarks, ... |
| www.globalpolicy.org |
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| Debt Relief - Global Policy Forum - Social and Economic Policy |
| Debt Relief - Global Policy Forum - Social and Economic Policy. The Debt Relief Page Has Been Moved to: ... |
| www.globalpolicy.org |
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| BBC NEWS | Business | Q&A: African debt relief |
| BBC News looks at the progress of international debt reduction efforts, and the sticking points which continue to hamper the process. |
| news.bbc.co.uk |
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| Debt Relief Australia - Start Reducing Debt Today! |
| Debt Relief offers Australians in debt assistance with finding the most appropriate debt relief solution. |
| www.debtrelief.com.au |
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| Debt Consolidation Australia, Debt Relief & Bankruptcy Information |
| Specialising in debt agreements, mortgage refinancing and bankruptcy. Company profile, calculators, solutions, media releases, testimonials and existing ... |
| www.foxsymes.com.au |
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| Oxfam - Debt and Aid - Debt Relief for Nicaragua: breaking out of ... |
| Oxfam policy paper on relationship between international debt servicing and poverty. Linked to table of contents and also zipped for download. |
| www.oxfam.org.uk |
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| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
| www.csmonitor.com |
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