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Effective Time Management for Busy People
Do you ever find yourself wishing there were more hours in the day, because there is “never enough time” to get everything done? Do you sometimes feel that you are juggling too many obligations over the course of a day? At the same time, do you...
Management coaching to improve relationships with work associates
As an employee, you are a fairly new employee at your job. You have met the boss on two occasions; your interview and one time when he or she demanded that you finish a client's report. Your boss's unapproachable nature makes you feel uneasy if not...
Participative Management in Organizational Change
I recently read an article in which the author said, "Senior managers are becoming more accepting of participative management and employee involvement because they (senior managers) are becoming more humanistic." Nonsense! Anybody who works with...
Time Management and the "to do" list
I recently did a web search on time management and received 50,500,000 hits. In reality probably only two to three hundred of them were really about time management, but the prevalence of such sites indicates how important the concept is to all...
Time Management for College Students'
Many college students struggle in classes, since often they do not have a time management scheme that allows them flexibility. Currently I am enrolled in college, running a small business, and mothering a child, while tolerating an annoying...
 
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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