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Consolidating Your Credit Card Debt
Copyright 2005 MHG Consulting
Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in the year 1950.
The Dinners Club credit card gave consumers limited credit that, at times, even surpassed...
Eight Ways to Consolidate Debt
Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments.
In reality, consolidating bills isn’t always...
New Book Reveals Strategy for Becoming Debt Free One Paycheck at a Time
It is no wonder in these economic times that an estimated 70% of households in the United States live paycheck to paycheck with no relief in site. In an effort to make ends meet, consumers continue to use credit cards to fill the necessary gaps....
Pay Down Your Debt Now. Don't Wait For The Perfect Situation.
The number one reason people don’t get out of debt is they don’t try. This may apply to you. You want to, but never seem to do it. You put it off for whatever reason. Sometimes, you want to wait for your life to be just right before you...
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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Free Debt Management Services Compared
Debt plagues millions of people all over the world. Debt can be
a positive thing. For instance, if we never had any debt we
would never be able to buy a house or a car. Debt is necessary
in many cases, but for some people it can get out of hand. There
are many free debt management services available to the public.
Each service offers various advantages and perks unique only to
their company. Here, several free debt management service
characteristics have been compared to give you an idea of what
to expect.
Paying Bills For You - Some debt management services use a
hands-on approach to your financial problems. They design a
program in which you deposit money once a month into a trust
account. When your monthly bills come due, the debt management
firm pays them for you. This type of service allows you to make
one monthly payment while letting the debt management service
take care of the rest. Many times these companies will call your
creditors and get monthly payments and interest rates lowered.
This hands-on type of debt management program is usually
exclusively for people in serious financial trouble.
Help With Budgeting - Another free debt management program uses
some of the same payment lowering techniques, however it is
their last resort. First, these programs take a look at your
individual
financial situation. They closely examine the cash
flow that comes in and goes out of your household. Next, they
help you create a budget and assist you with some actual credit
counseling. Their goal is to correct the problem at it's source.
If you need additional assistance, they can contact your
creditors as well.
Non-Profit Help - The last type of free debt management service
is purely nonprofit. Many of these programs are offered as
charity services. They assist you in creating a budget that will
work for your unique situation. Sometimes these programs are run
through churches or other nonprofit organizations. These free
debt management services will not contact creditors and get your
monthly payments lowered, but they can help you manage the
payments you have.
Choosing a free debt management program all comes down to
personal preference. Each of the different services have
benefits and drawbacks. The bottom line is: you don't
necessarily have to pay a fee to get quality debt management
services.
About the author:
Carrie Reeder is the owner of www.abcloanguide.com, an
informational website about various types of loans. View her
recommended companies for Debt
Solutions.
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| Articles on debt relief, and credit management and repair. |
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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 ... |
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| Economic Policy and Debt |
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| www.worldbank.org |
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| Economic Policy and Debt - The Enhanced HIPC Initiative |
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| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
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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. |
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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. |
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