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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...
Debt Consolidation Companies: Common Pitfalls to Avoid
It's difficult not to notice the incredible growth that there
has been in companies offering debt consolidation programs and
solutions over the past few years. At first, debt consolidation
companies were some of the biggest advertisers on the...
Free Debt Consolidation?
Chances are, when you’re reading this article, you’ve typed this particular set of keywords in the search box: free debt consolidation. And without a doubt, a number of articles came out as a result, this being one of them, or else you just happened...
How To Negotiate A Higher Price For Your House
Negotiation is where many FSBO home sellers really have problems. The wrong attitude or a slip of the tongue could cost you thousands. Here are a few pointers to keep you on the right path:
1. Show interest in selling the house. In an effort...
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...
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Finding A Company To Consolidate Debt
A debt management company can consolidate your debt and lower
your interest rates by negotiating with your creditors. Debt
management companies can also help you pay off your loans
sooner. But before you sign up with a company, make sure your
research their services, fees, and practices.
Research Companies
It is important to research debt management companies to make
sure you aren't scammed out of thousands in fees. Legitimate
companies offer a valuable service, charge reasonable fees, and
are willing to disclose their terms.
Many debt management companies operate online and provide
information through their website and over the phone. In a few
hours, you can research dozens of companies to find the best one
for you.
Ask About Services
The first question you should ask is what services the company
offers. You want a company that specializes in handling
accounts. Ask how soon the company begins making payments on
your loans. Some companies wait several months before making
payments, raking up late charges for you.
Some companies also offer certified credit counselors to help
you develop a financial plan. This can be a valuable service if
you want to consider other options for handling your debt.
Be wary of
companies that offer bankruptcy or debt negotiation.
These types of companies tend to focus on collecting fees rather
than getting your debts paid off.
Compare Fees
All debt management companies charge fees. Reasonable fees
consist of monthly payments for each account handled. Companies
who charge large upfront fees expect you will drop out of the
program before they provide you full service. By comparing fees
of several companies, you will quickly be able to tell what is
reasonable.
Request Free Information
Request a written quote of when accounts will be paid off. Each
account will have a different pay off date since balances and
rates will vary. A debt management company will be able to give
you an exact date because lower rates are predetermined by
creditors.
You should also ask for a written copy of the contract before
signing. Be sure to review all items. Watch out for delayed
payments or high fees for unnecessary services.
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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