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Auto Loan Buying Tips
Have you ever felt like you bought an auto and financed it and don't really know if you got the right price or financing arrangements after it was all over? Well, don't feel alone. This is a common experience for many people who make auto purchases....
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...
Business to Business In Germany -- 10 Things You Have to Consider Before You Even Start Doing it!
Do you consider doing business to business in Germany? Do you think you are able to lead negotiations in Germany successfully? Do you consider sending your application to a German Corporation? Read on to find out if you are ready. If you are...
Debt Management - How a Debt Consolidator Can Reduce Your Debt
A Debt consolidation program starts with evaluating your financial situation. This process involves an in depth analysis of your financial standing. That analysis will help you to evaluate whether it is better to file for bankruptcy or go for a debt...
Effective Listening
Effective communication is a vital tool for successful leadership. Being able to articulate clearly, to present and share ideas with others is extremely important. All too often listening becomes the poor relation everyone is busy talking but true...
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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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