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Debt Management gives the comfort of a debt free life
Everyone borrows money from the financial market at one or the other time to meet some urgent needs. But, at that time we don't realise that taking various debts from different lenders may become a burden one day. If you too are facing the...
Debt Management in the UK
Debt management, as defined in the UK, is a course of action where a reduction in repayment amount and/ or interest charges is negotiated with unsecured creditors, when you are no longer able to meet your repayment requirements. For some...
Immaterial Values in Business Management
Article Title: Immaterial Values in Business Management Author: Stephan Szugat Word Count: 915 Article URL: http://www.abenetis.com/encyclopedia.html Format: 65 Characters per Line ------------------ ARTICLE START ------------------ Immaterial...
Project/Program Management Best Practices for Success in ANY Industry!
Where is our success? Although there have been improvements, over 60% of projects/programs failed and many were canceled in 2003 (ref:The Standish Report CHAOS)! Our goal for 2004 and beyond is to contribute to a 60% and better,...
What Is Knowledge Management - Knowing What We Know?
The paper aims to identify the role human factors play in determining the success or failure or knowledge management initiatives. A growing realisation in both the private and public sector is the worth of human capital as an intangible asset. In a...
 
Debt Negotiation Vs. Debt Management

Debt negotiation and debt management/consolidation both help consumers pay off their debts through two different approaches. Each affects your credit score, payoff period, and taxes differently. Before choosing either options, be sure you understand the long term consequences of each debt management option.

Influence On Credit Score

Debt consolidation is better of the two when it comes to influencing your credit score. By consolidating your different loans into one, you are using the same amount of credit and will be dinged only slightly for opening another account.

If you choose a debt consolidation company, your creditors may report delayed payment. However, after regular payments have been established for several months, you will be able to apply for more credit if needed.

Debt negotiation leaves a lasting impact on your credit history, much like a bankruptcy. When creditors agree to reduce your debt, a record of the debt reduction will stay on your credit score for seven years. However, you will be able to qualify for credit as your score improves, usually within two years.

Payoff Period

Using a home equity or personal loan to consolidate your debt can extend your payoff period up to 30 years. You can also choose shorter periods for your loans. A debt consolidation company can help


you pay off unsecured loans in less than five years.

Debt negotiations reduce debt, but don't eliminate it. Credit cards and short term debt can be paid off in less than five years. Other forms of credit can take longer.

Tax Impact

Interest from your home equity loan can be deducted from your taxes for a financial savings. But any debt reductions have to be reported as income to both federal and state governments. Expect to pay income tax with debt negotiations.

Cost Of Fees

With both types of debt management, you can expect to pay fees. Depending on the type of home equity loan you pick, fees can range from hundreds to thousands of dollars. A second mortgage or line of credit have lower fees than cashing out your equity with a refinanced mortgage.

Debt management and debt negotiation companies also charge fees for their services. Fees should not be paid until these companies actually provide you with a service. Also, compare several companies to be sure you find the best deal.

About the author:

Carrie Reeder is the owner of www.abcloanguide.com, an informational website about various types of loans. View her recommended Online Debt Consolidation companies.

 

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Datamation provides ideas and analysis for IT managers, featuring case studies and trend spotting reports on IT project and service management issues.
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Management
International review on management research. Peer-reviewed, occasional. Ejournal, with tables of content, abstracts and full articles available on-line.
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Society for Human Resource Management
Advances the human resource profession to ensure that HR is recognized as an essential partner in developing and executing organizational strategy.
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Agency of the US government tasked with Disaster Mitigation, Preparedness, Response & Recovery planning.
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Online guide to small business management. Find articles, advice and how-to guides.
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Provides business management articles, webcasts, online learning, and books as well as conferences focused on leadership and decision making.
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Object Management Group
Distributed object computing industry standards group founded in 1989. Defined standards include CORBA and IIOP.
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Management Reading | Global Executive | Business | Economist.com
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Publisher of journals in management and library and information services, engineering, applied science and technology.
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Yale School of Management
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