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Cobra Solution To Be Launched At Benefits Management Forum & Expo
Omaha, NE -- August 1, 2004 – COCO Development, LLC is set to launch its newest HR compliance solution, COBRApoint, a web-powered COBRA, HIPAA, State Continuation and Retiree Billing system, at the 17th Annual Benefits Management Forum & Expo in...
Integrity in Management
Integrity in Management By Arthur Cooper (c) Copyright 2003 If you want to motivate your team you must demonstrate integrity. There is no alternative. You may be able to get by without it for a while. You may be able to get temporary results...
Knowledge Management made Simple
'Knowledge Management' is Big and Now. The wide coverage of 'KM' in the management literature could easily give you the impression that it is a 'big business' issue requiring expensive, technology-based solutions. In truth, knowledge management is a...
Management titles in business
Management is both art and science. It is the art of making people more effective than they would have been without you. The science is in how you do that. There are four basic pillars: plan, organize, direct, and monitor. Managers may direct...
Why All The Fuss About A Good Management System?
Everyone starts out small. And when you only have 10 or 50 subscribers you might think that spending money on a management system would be a waste of money. You're absolutely right! That is, if you're not accepting any more subscribers... I know...
 
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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