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Consumer Debt Consolidation Programs: Tips for Choosing the Right Program
With all of the expenses that we have in our lives today, it
shouldn't come as a surprise that many people get deep into debt
and consider enrolling in a consumer debt and loan consolidation
program. Education costs, student loans, home ownership...
Debt Consolidation Loan
Debt Consolidation Loan
Debt consolidation loans can give you a fresh start, allowing
you to consolidate all of your loans into one - giving you one
easy to manage payment, and in most cases, at a lower rate of
interest. Secured on...
How to Succeed When You're in Massive Debt
Whenever the topic of finance is discussed, it is important to note that everyone's situation is different and that financial advice should be tailored to an individual's particular circumstances with the help of a professional advisor.
...
The "Credit Card Debt Termination" Scam
"Legally terminate credit card debt! You can be debt-free in 4-6 months!" Advertisements like this are for a new type of program that has spread via the Internet over the past few years. It's called "Credit Card Debt Termination," and victims are...
Unsecured Debt Consolidation - Pros & Cons
Unsecured debt consolidation lowers your rates, helping you to pay off your debt sooner with one easy payment. You can also reduce your monthly payments. However, consolidating your short term loans can temporarily lower your credit score. You may...
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Financial Woes - Consider a Debt Management Company
You've been working yourself silly for years and yet... you
still have no savings and the pile of unpaid bills seems to grow
each and every month. You have creditors breathing down your
neck - calling and sending you letters so much that you're
afraid to answer the phone or pick up your mail... it's a
difficult and stressful pill to swallow.
Sound familiar? Unfortunately, many people who are saddled with
debt seem to be under the delusion that everything will
eventually go away if they just ignore the situation. Therefore,
they ignore the calls they receive from creditors and simply
stop opening their mail. Not only is this living in denial but
it's the equivalent to financial suicide and will only extend
and exacerbate the problem the longer it continues.
Fortunately, debt management companies abound and with the
advent of the internet it's easier than ever to contact them.
It's simply a matter of researching the most suitable debt
management company that you feel the most comfortable with.
Securing the services of a debt management company is not
something that should scare you, given the fact that you are not
in control of your finances anyway. As a result, it may be time
for you to embrace the opportunity to use their services to
assist you in solving your financial woes.
That being said, take in all the information they can provide
and use it to educate yourself about debt and work with them to
develop a plan and set a realistic time frame to take pay your
off your debt.
When it comes to choosing a debt management company that will
effectively cater to your needs... do your due diligence and ask
as many questions as you need to, in order to feel comfortable.
Learn what they have to offer and what it will cost you to use
their
services.
A debt management company should be able to come up with various
plans on how to handle your current financial difficulties but
you must be open-minded and realistic. It probably took you
years to put yourself behind the financial eight-ball and so the
process of pulling yourself out of the hole you've dug will also
take some time and may at times, be a bit painful.
In many instances, debt management companies can offer financial
plans and terms that will allow you to reduce the time it takes
to pay down your debt. This is an extremely practical way for
you to handle your finances and hopefully it will finally put
you back on track to financial wholeness.
Simple things like getting a part-time jobs, starting a
home-based business, as well as making small sacrifices, such as
reducing impulse buying and only purchasing necessities until
you've paid off your debt will save you hundreds of dollars per
month that you can put towards paying off your debt.
When it comes down to it, if you are willing to make a few
changes and pay attention to how you spend your money, in many
instance it's not a difficult as it may currently appear to
overcome debt. But if you stray and go back to the same
practices that got you into debt in the first place, you'll find
yourself sinking back into the black whole of debt. Regardless
of the plan and ideas a good debt management company can show
you, if you are not willing to make the necessary lifestyle
changes, no plan or no amount of expertise from them will make
one bit of difference.
About the author:
Kevin Erickson is a contributing writer to the following
websites: http://www.debtmgmtresources.com/ and
http://www.aneyeondebt.com/. This article may be reproduced only
in its entirety.
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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 ... |
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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. |
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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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