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Bad Debt Loans -A Four-Step Programme to Eliminate Debts.
Mr. Henderson would often think of times when he had a good
credit history and there would be a long line of loan providers
desirous of offering debt consolidation loans. Things took a
sharp turn after he underwent a few defaults and CCJs. This...
Debt Consolidation Versus Debt Negotiation
Debt consolidation versus debt negotiation are two options that are available to you if you need debt assistance. When your monthly bills become too much for you to handle, it makes sense to use debt consolidation or debt negotiation for solving...
Does Your Real Estate Deal Have A Wiggle Room?
Experienced real estate investors know that you make your deal
when you buy. If you pay too much or have not done your due
diligence research, that's tough, because you're stuck with the
deal after the close.
A buyer still has some wiggle...
Mortgage Prepayment Penalties - Just Say No
One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for...
Refinancing to Lower Monthly Loan Payments
It can be frustrating to go through the loan process only to
have interest rates or payment terms to change drastically
within a year of you signing the loan papers.
Of course, depending upon the type of loan that you applied for
and the...
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Bill Consolidation Company Basics
Bill consolidation companies handle payments for your accounts
and lower your rates. They can also negotiate waivers for late
payment fees. Before signing up with a company, you will want to
compare rates and terms. You also need to monitor your payment
statements to be sure there are not errors.
Helping Your Get Out Of Debt
Bill consolidation companies, also known as debt management
plans or DMP, eliminate your short term debt within five years.
They also lower your interest rates with creditors, who set
predetermined rates. All companies will get you the same low
rate. In some cases, creditor will also agree to waive any late
payment or other fees if you are working with a DMP.
You pay the bill consolidation company one payment, which
includes their fee. They then pay the accounts you have agreed
to consolidate. Interest rates from some debts, including
student loans or mortgages, cannot be reduced and do not make
sense to hand over.
Fees are based on each account handled. Monthly fees are the
most common practice, but some companies charged large upfront
fees. Since many clients drop out of the plan before completion,
monthly fees are the better option.
Some creditors will report to the credit reporting agency your
use of a DMP. This may temporarily prevent you from opening new
accounts. But after several months of regular payments,
your
credit may be in good enough standing to qualify to open credit
card accounts. After a year, you may also be able to apply for a
mortgage.
Finding The Best Companies
The best bill consolidation companies solely handle debt
management. Companies that offer other services, such as debt
negotiation or bankruptcy, don't always provide the best service.
When you investigate companies, ask when your accounts will be
paid off. Reputable companies will give you a different date for
each account since they know what the current rates are. All the
need to know from you are your account balances and creditors'
names.
As with any purchase, you also want to compare fees. By
requesting quotes from several companies, you will quickly find
out what is reasonable.
Watching Your Statements
Paperwork mix-ups, defunct business, or poor service can all
result in missed or late payments on your credit history. To
protect yourself from a lower credit score, continue to monitor
your bill statements. At the first sign of a problem, call your
creditor and bill consolidation company to resolve the issue.
This preventative approach can save you hundreds in fees and
higher interest rates.
About the author:
View our recommended companies for Debt
Consolidation Services.
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