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Credit Counseling -- Why It Doesn't Work for Most Debtors
"Cut Your Payments in Half!" the headline screams. "Consolidate Your Bills into One Low Monthly Payment!" When you see ads like this, they are often from Credit Counseling firms. In this article, I'll explain the principles behind the Credit...
Debt and Bill Consolidation - Signs You Need To Consolidate Your Debt
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Debt Relief -- Why Most Programs Have A 75% Failure Rate
Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy – it doesn't matter which of these debt programs you're talking about. They all suffer from one fatal flaw, the number one problem that causes...
Face it - Debt is an offshoot of the way of the normal American life.
You have that "American Dream" - the 2.5 kids, the puppy dog,
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Parents have the full responsibility for their children and their education. It is up to parents to teach their children what's right and what's wrong, how to conduct themselves as good citizens, how to cross the road safely and generally protect...
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How to manage your debts
There are a lot of times in your life when you need a loan.
Maybe you want to buy your first house or your first car. Or
maybe you want an electronic object, a very good computer or
other things that you want to buy and you don't have money. For
all these things a loan is the solutions.
So, you start to think and analise for the first time if there
is any possibility to have this money from somewhere. If no,
than you need a loan.
The next problem is how much you can borrow. I mean how much you
can afford it. Because I am sure that everybody wants the best
product, the best car and the most beautifully house. But the
amount of money you can borrow depends on many factors but the
most important is your revenue. Or your family revenue. And if
the sum is big like a hose loan you also need some goods because
the bank or the financial institution need some guaranties or
persons who can pay instead of you if you running out of money.
So, after you decide upon the amount of money you can afford it
there nothing else to do then find
the cheapest solutions. So
you go to a bank to see what you need for getting a loan. But
what you can do if this is not your single loan? Because
sometimes a loan is not sufficient. Your expenses need for more
loans. For this moment you can try to get an another loan bigger
than the other one but sufficient and of course pay the first
one. Which I think is the best solution. Because if you will get
an another loan and another loan and so on first that you will
not get forever a loan and second you will not be able to pay
anymore the debts because there will be to much to you.
I prefer this option because once you will have a single loan,
second you can extend the period because the amount is bigger
and third the expenses involved in getting one loan is less than
the expenses for three or more loans.
About the author:
Alexia Jones is project manager of My-Insurance-Loans.com. She
work as an economist to a private bank in Romania. Visit her
page http://www.my-insurance-
loans.com.
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