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Credit Repair Collection Agency
Credit repair and collection agencies go hand in hand since one
is out to get the other. In other words, we sometimes run from
our debts taking advantage of a kind gesture. Collection
agencies are not as kind as the lenders so therefore...
Mission-Critical Public Relations?
As a business, non-profit or association manager, any tool that helps you reach your department, division or subsidiary objective IS mission-critical.
And particularly so when that tool helps you persuade your most important external...
The Ultimate Legal Library To Help You Build Your Business
Early understandings make for the longest relationships. - Alan Dohrmann Don't let legalese get in the way of a good deal. Most contracts are often written with complete disregard for the potential emotional impact of the wording. These are the...
What can debt reduction companies do for you?
Getting help from debt reduction companies is one of the best
ways if you cannot handle your debts. But there are several
peoples who don't know what can debt reduction companies do for
you? Debt reduction companies are proven authorities in...
Why You Need a Realtor to Sell your Home
Why you Need a Realtor to Sell Your Home
As you consider selling your home, you might be thinking "Why do
I need a Realtor, what value does a Sellers Agent provide to
me?"
Here are five areas where a licensed Realtor can help...
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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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| Negotiation - Wikipedia, the free encyclopedia |
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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 |
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| Salary Negotiation and Job Offer 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. |
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| 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 |
| www.springerlink.com/link.asp?id=102591 - Similar pages |
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| Apache Content Negotiation |
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| JobStar--Salary Negotiation Strategies |
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| Negotiation Articles |
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| PON Clearinghouse |
| Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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