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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...
Debt Consolidation Loans: Avoid Online Scams
Online Debt Consolidation Loans Companies.
You've probably heard the advertisements on the radio or seen them on the television or in the newspaper:
Be Debt Free in just Days.
Easy Debt Consolidation Loans.
Erase your Debt Now!
...
Debt solution service UK
Jane was a fun loving girl from Birmingham, you could say she lived for today. She wanted all the latest fashions and gadgets and certianly was not afraid to use her credit card to pay for them. She had a weird philosophy on life. For some reason...
Innovative Form of Business Debt Management Saves Thousands
As any business owner knows, being sued can be a stressful,
time- consuming, and expensive experience. In fact, it can be
absolutely devastating for a business, leading to financial ruin
and even bankruptcy.
Add to that the public's...
Self Help When You're In Debt
It's no fun being in debt. Money shortages are always stressful and serious debt can emotionally drain you. And yet, while you'll find lots of advice about the practical aspects of debt management, there is precious little help available for...
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Do It Yourself Debt Relief
With mounting bills and unforeseen hardships, you may be considering some form of debt relief. There are many options to help you, but the best may actually be you helping yourself. Here are some suggestions for starting debt relief and becoming more solvent.
First, don’t stop communication. While it is a natural response to stop answering the phone and let the mail stack up unopened, this doesn’t solve anything. Contact your creditors. Explain the situation to them. In many cases, they will work with you to reduce your debt by lowering the interest rate and waiving over-the-limit and late fees.
Second, stop using all your credit cards. Whether you file for bankruptcy or sign on with a credit counseling service or debt settlement, all of them will demand that you give up your credit cards. Do it yourself now.
Third, make getting out of debt a priority, and work toward debt relief as though you were with a credit counseling service. This is how credit counseling services work. You make one regular payment to them each month, and they disburse your money to the creditors. When one is paid off, the extra money is applied to the other creditors. If you have extra money one month, put it toward one of your bills. As soon as you have paid off that bill, take the money you would have spent on that one bill and apply that every month to another bill.
By continually making larger payments than what is owed, the credit cards will be paid off faster.
Some companies will tell you that because you are not a professional negotiator, credit card companies will still take you for as much as they can. That is a possibility. If you are unsure about taking the above steps yourself, you can check into debt settlement, debt consolidation, or consumer credit counseling services. All of these options promise to reduce your debt by anywhere from 40-60% and to be debt free within 1-5 years. Be careful, though. Some will take an upfront fee of up to thousands of dollars, which doesn’t get applied to your creditors. Others claim to be non-profit and will take a donation, but the donation may seem like just another bill to pay. Further, they may guarantee to protect your credit rating from bankruptcy, but that doesn’t mean that your credit rating will come through cleanly because you are dealing with a debt relief service.
Do plenty of research before signing on with any of them for debt relief.
About the Author
Timothy Gorman is a successful webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and free debt consolidation information that you can research in your pajamas on his website.
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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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| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
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| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
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| bankruptcy.findlaw.com |
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| William Brewer |
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| www.worldbank.org |
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| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| Debt Analyzer, Debt Reduction Software, Home Page |
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| Superior Debt Relief |
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| Debt Relief - Social and Economic Policy - Global Policy Forum |
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| www.globalpolicy.org |
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| Debt Relief - Global Policy Forum - Social and Economic Policy |
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| www.globalpolicy.org |
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| 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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