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Debt Consolidation: BE DEBT FREE--The different ways to consolidate your debts.
A debt consolidation loan is a loan taken to consolidate a number of loans into one manageable loan. A debt consolidation loan can also help you in reducing the cost of your total debt as it usually carries a lower rate of interest than other...
How to Figure Debt to Income Ratio
Ever wonder how to figure out you debt to income ratio? Lenders use your debt to income ratio to help them evaluate your creditworthiness and debt load.
Mortgage lenders use your debt to income ratio to calculate what percentage of your...
How To Get Your Your Money And Debt Under Control
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How to Reduce your Debt in 5 Easy Steps
If you have incurred substantial personal debt, consider these options: budgeting, debt consolidation, credit counselling from a reputable organization and working with your creditors. You will need to choose a debt reduction method that will work...
The Benifits of Debt Consolidation
It is quiet easy to get into financial difficulty having a home mortgage, a car truck or SUV loan and credit card repayments. There are now considerably more individuals than ever before with greater debts than they can afford. If you are in...
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DDCF: Dissecting Debt Consolidation Firms
In accounting classes, debt consolidation still hasn’t made it to grade. The term “debt consolidation firm”, in that case, wouldn’t be found in any textbook. But in reality, debt consolidation is one of the most important things a person with struggling finances should be aware of. For the record, though, debt consolidation is reaching a point in life where the sheer abundance of bills flooding your mailbox overwhelms you into a state of helpless frustration. So you choose debt consolidation as an alternative.
Now, it’s important to choose a firm that you know you can trust. It’s not enough to see lots of advertisements about the firm. Try researching about the background and financial records of the firm. It’s better if you personally know someone who did business with that particular debt consolidation firm so you can rest assured that your financial future is in good hands. Check with the Better Business Bureau if the debt consolidation firm you’re eyeing has a good rating with them. Although some say that an A rating with the BBB counts for nothing nowadays, it’s still better than no rating at all or worse, a negative one. Some websites also have a list of companies to avoid and so if the debt consolidation firm you’d like to make business is part of the list, better hit the yellow pages again and look for another one.
One debt consolidation firm that has been making headlines is AmeriDebt. Recently, it was even ordered to close down but lo and behold, it’s still up and running, this time supposedly disguising itself as 800CreditCardDebt[dot]com. Now, this author has nothing against either of those companies mentioned but I think it’s prudent to suggest that it’s better to choose a debt consolidation firm with a reputation not as colorful or as sensational as the aforementioned.
So how do you spot a good debt consolidation firm? Well, to be perfectly honest, spotting a good and trustworthy debt
consolidation firm is not an easy task at all. It’s like being asked to determine if one’s feminine assets are all-natural like chamomile tea or proof of the wonders of Nip/Tuck. If you’ve been around the business for a long time, you’ll be wise to their tricks. But if not, you better pay attention to the following tips.
A good debt consolidation firm, first and foremost, will truly keep the creditors at bay. One of the Ten Commandments of all debt consolidation firms, is, of course making sure that you need not worry about paying off your bills anymore. All those irritating calls and letters --- gone in a flash! All you have to do is continue paying the debt consolidation firm and the latter will be responsible in making sure that you’re given lower rates, more leeway when it comes to due dates, affordable monthly payments and so on.
A good debt consolidation firm will also keep classified information classified. This is harder to certify if you’re having your debts consolidated online. With an Internet transaction, you don’t have the luxury of having an office to go to, a face to picture and a company name to report. So it’s safer for you to choose a debt consolidation firm that makes its transactions face to face.
Lastly, if you still don’t have any confidence in yourself about choosing a good debt consolidation firm, then allow me to make a last suggestion: check out Consumer Credit Counseling Services (CCCS). It’s one of the most recommended and it’s a good place to start as any.
About the Author: Diego HR. is the owner of My Debt Consolidation Advisor http://www.mydebt-consolidation.biz/ and invites you to take a download free helpful information, articles, and more.
Source: www.isnare.com
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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 the web site of Debt Relief International. |
| www.dri.org.uk |
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| 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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| www.globalpolicy.org |
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| What debt relief means for Africa | csmonitor.com |
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