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A Guide to UK Buy to Let Mortgages
Essentially there is little difference between the process that one follows for a buy to let mortgage in the UK than there is for any other type of mortgage. The lender still has to consider your credit worthiness, the value of the property, how...
Lower Credit Card Debt
You can lower credit card debt through a variety of options.
Consolidating your debt into one loan can help lower interest
rates and monthly payments. If you need additional help, you can
use a debt management or debt negotiation company. Both...
New Home Buyers - Who Represents You?
Buying a new home is different than buying a resale although
most of the rules are the similar. New home sales
representatives work for the builder. If you buy a new home
through the builder's sales rep you will have no one
representing your...
Surefire Ways to Attain Moneymaking Success
You have probably heard other people say that "Money isn't everything" or "Money can't buy happiness." They may be right in some aspects; but it's not just about the money.
It's about having an ideal lifestyle - being able to have control...
What is a Business Analyst? (Part 1)
What is a Business Analyst?
Today the term Business Analyst is synonymous with a career in
the IT industry but the most successful and valuable analysts
are those who understand the "business" rather than those who
understand IT.
So...
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Can Credit Counseling Really Help?
If you have high debt, and are in trouble, you have probably
heard the term "credit counseling," but do you understand what
it is? Oftentimes this term is used in the same sentence as debt
negotiation or debt settlement, but actually, it's a completely
different process. With credit counseling, you will actually
work with a professional credit counselor to pay off your debt
in lower, monthly payments that you can afford.
The people most likely to need credit counseling are those who
are receiving troubling phone calls from bill collectors, or
whose accounts have gone to collection agencies. If you think
that you may benefit from using a service like this, please read
on to find out the best way to work with a credit counseling
company.
First, you'll need to be able to find a good credit counseling
company, and not fall victim to one of the many credit
counseling scams that are out there. Start by avoiding any ads
that promise you quick fixes for your credit report. There is no
such thing. Instead, look for a reliable company that is
accredited by Consumer Credit Counseling Services.
Next, you'll have to meet with a professional credit counselor,
and provide them with all of the details of your debt. Don't be
tempted to leave anything out because they will need the
information in order to create a re-payment plan made just for
you.
Now, you can sit back and allow your professional credit
counselor to work for you. They will contact all of your
creditors and inform them that you are trying to create a plan
that will allow you pay off your debts. They will work with them
all and coordinate a
re-payment schedule that you can live with.
Many times, they will be able to lower your interest rates in
order to allow for lower payments.
Some credit counseling services offer a debt management system.
What is it? Instead of having to keep up with all of the
payments yourself, you will have the option of submitting one
lump sum payment to the credit counseling service and they will
do it for you. One note of caution here: there have been
instances of a credit counseling services paying their client's
payments late, and if that happens, your credit report will
suffer for it. Knowing that, be sure to check out the company
thoroughly, by checking references, before signing up for their
debt management program.
What will you pay for all of these services? A reputable Credit
Counseling Service will only charge you a small fee, somewhere
around fourteen dollars per month. If they are asking for alot
of money up front, they may not have your best intests at heart.
Be on the look out for potenial scams.
You should also be aware that working with a credit counseling
service can do some damage to your credit report. However, the
good does out weigh the bad. After all, it's much easier to
explain an honest attempt to get your finances in order than it
is to explain a bankruptcy or a credit report full of
charge-offs.
About the author:
If you would like to get more credit information you can visit
our website which contains many credit resources.
http://www.my-credit-report.info This article is copyright 2005,
but can be freely reprinted, as long as no changes are made,
including hyperlinks.
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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