|
Christmas Loans - for a New Year Without Debts
For many people, a lavishly spent Christmas is sure-shot sign of the New Year being tumultuous; at least until the debts have been fully repaid. A study undertaken after the Christmas of 2004 showed that one out of every five people would continue...
Credit Card Debt Help: How to Become Credit Smart and Enjoy the American Dream
Being able to buy things on credit has allowed Americans to own
and enjoy things--often for years--without having to wait and
pay cash for them. In that way, the concept of credit has been a
boon to experiencing the American Dream. Unfortunately,...
Settle your debts the easy way
The process of contacting creditors directly or through a third party and negotiating for a lump sum payoff of your debts is known as debt settlement .
Benefits of debt settlement
* You can reduce your principal debt amount by around 40%...
Shorn Of The Debt Responsibility
With UK personal debt spiralling out of control beyond the £1 trillion mark at a rate of £1 million every four minutes, and the number of declarations of bankruptcy on the increase, the Government has finally implemented measures to ensure lenders...
Simple Strategies to Eliminate Debt on Your Own
The debt rates are climbing tremendously and not many people seem to be taking it seriously. If you are in debt, you are not alone but you might be standing in the wrong crowd if you haven’t gotten help with your debt yet. Many leave the problem...
|
|
| |
|
|
|
|
|
|
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.
|
|
|
|
|
| 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 |
|
| Welcome to Debt Relief International |
| Welcome to the web site of Debt Relief International. |
| www.dri.org.uk |
|
| Debt relief steps, your free guide to debt help. |
| Articles on debt relief, and credit management and repair. |
| www.debtsteps.com |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|
| 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 |
|