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Informative Articles

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...
Lightening the Load ... Getting Help When You Need It
If there's one immutable fact of life when it comes to this business, it's that there's so much to do but so little time to do it all in. At some point around the one year mark, if you've been even moderately successful in your online business,...
Mortgage brokers can help you save time and mone
A good mortgage broker can help you search through hundreds of mortgage products, and lenders to find the perfect fit for your financial situation. The average buyer does not have years of experience in evaluating financial products and services. ...
Things To Consider Before Buying a Condo Hotel or Resort Residence
Resort home ownership, such as condo hotels and fractional shares is different from typical home ownership. So it is important to ask certain questions before signing the purchase agreement on a resort property. The following list of questions...
What Are The Benefits and Consequences Of Getting Rid Of Debt The Easy Way
We have all experienced getting so far in debt we don’t know how we’re going to get out. There are many different options that you have for quick relief with benefits and consequences. You can look at the overview and see which option is the...
 
Consumer Debt Solution - Analyzing Your Options

You have several options to reduce your consumer debt. You can take the do-it-yourself approach by consolidating debts into a low rate loan. You can also find help through companies that management payments or negotiate debt elimination. Each option has pros and cons, and should be analyzed carefully before committing to a specific approach.

Do-It-Yourself Approach

Refinanced mortgages and home equity loans can help consolidate your short term debt into one easy payment while reducing your interest rates. Your interest is also tax deductible.

Consolidating loans can lengthen your payment period, increasing over all interest payments. There are also loan fees to consider, especially when refinancing your mortgage. Some home equity loans and lines of credit don't have opening fees in exchange for higher rates. Your credit score will also be affected having another open account.

Companies That Can Help

Companies can offer two different types of help for dealing with your consumer debt. Debt management companies handle payment for all your short term credit accounts. For a small monthly fee, they will pay your bills, negotiate lower interest rates, and close accounts.


Depending on your creditors, your credit score may or may not be affected.

With a debt negotiation company, you can see 10% to 50% of your debt eliminated on some accounts. Such an approach can help you avoid bankruptcy, but there are long term affects on your credit. You will also have to report reduced debt as income on your taxes.

Comparing Options

Before you sign a contract for a loan or service, compare several different companies. Request their rates and terms, and compare them with others. Legitimate companies will freely provide you with information. You can also find information online through company sites. For detailed quotes, you will need to submit some basic financial information such as debt amounts.

Getting Advice

You can also find help with a credit counselor over the phone or in person. Certified counselors look over all your finances and help you come up with a plan to handle your debt and living expenses. They may recommend simply following a budget or using a particular service, such as debt management.

About the author:

View our recommended companies for Debt Solutions.

 

Negotiation - Wikipedia, the free encyclopedia
The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ...
en.wikipedia.org
 
Negotiation Seminars Negotiation Training Negotiations Consultants ...
Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers.
www.negotiation.com
 
Program on Negotiation at Harvard Law School
Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution.
www.pon.harvard.edu
 
PON: Harvard Negotiations Project
Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ...
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The Negotiation Skills Company, Inc.
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Global Trade Negotiations Home Page
The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ...
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Principled Negotiation
Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ...
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Salary Negotiation and Job Offer Tutorial
Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial.
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Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial
Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries.
www.quintcareers.com
 
Win-Win Negotiation - How to reach a fair compromise - Negotiating ...
This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ...
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negotiation journal
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Apache Content Negotiation
Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ...
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JobStar--Salary Negotiation Strategies
JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ...
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Eric C. Gould's Negotiation Site
Subscribe to newsletter with negotiating tips and techniques.
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free negotiation training for sales, debt, contract, salary ...
Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ...
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Monster.com: The Negotiation Coach
Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ...
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Negotiation Articles
Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies.
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CareerJournal | Negotiating Tips - Salary Negotiation Tips ...
Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information.
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PON Clearinghouse
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:: Negotiations Affairs Department ::
Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations.
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