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    Abc of secured debt consolidation loans

     

    Secured debt consolidation loans are the ones, which pay off some or all of your existing debts. They let you repay them with a single loan and a single monthly payment. With such loans, you can write off your high interest credit card debts, shopping bills, medical bills, auto loans and personal loans etc. This way, they bring you comfort in times when you are left breathless due to creditors’ threats, harassment and humiliation. So, you should think to consolidate your debts before your creditors suck you dry of your money by charging you high interest and late fee penalties. Secured debt consolidation loans are offered against collateral. The magnitude of a secured debt consolidation loan ranges from ₤5,000 – ₤100,000. However, the amount of loan you can avail depends upon your credit history, repayment capacity and equity in the collateral. A sound credit history, repayment capacity and collateral can avail you a handsome secured debt consolidation loan. Also, it carries a comparatively lower rate of interest. Those – who do not have a good credit history – can also get secured debt consolidation loans. But the rate of interest may inflate and the term of loan may deflate. Further, you must know that a secured debt consolidation loan is also a loan like others, which you need repay. However, in case you miss on its repayment, it may cost you dearly. You may incur late payment fees. And to top it all, such loans run the risk of forfeiting of collateral. Otherwise the ride is smooth. Therefore, in order to secure an easy and smooth transition, you will need to take an absolute care in its repayment. Before you apply for a secured debt consolidation loan, you need estimate how much money you require to consolidate your existing debts. To solve this purpose, online lenders also help you arrive at a decision in this regard. They provide you with a quote of loan. It contains the details like amount of loan, rate of interest, term of loan etc. Though many brokers and commercial agencies are ready enough to give you a helping hand to get a secured debt consolidation loan, searching for a secured debt consolidation loans online is easier. A secured debt consolidation loans available online is also cheaper. It also involves minimal human interaction, and reduces paper work. Furthermore, it saves you money, time and energy too as you have access to the Internet virtually anytime and anywhere.

         
    About debt consolidation services what you need to know

     

    What Are Debt Consolidation Services? Debt consolidation services are companies who specialize in helping you free yourself from the burden of debt. If you have debt that seems to pile up more and more each month, bills for which you can't even afford the minimum payments, and the trend has been continuing for a long time with no end in sight, then a debt consolidation service may be just what you need to help you out of the tangle of debt you're in. How Can Debt Consolidation Services Help? Did you know that your creditors are the ones who absorb most of the costs when you consolidate your debt? To those you owe, it is a better financial decision for them to accept partial payment from you than none at all if you file for bankruptcy or simply never pay. A debt consolidation services company representative will stand up for you and negotiate with those you owe and decrease your overall debt as well as get rid of interest payments and taxes. What Do the Creditors Gain From Debt Consolidation Services? The reason why your debt is so high is not necessarily because you spent too much money. Your debt may be due in large part to the high interest rates and fees that accrued as the months passed without payment. Creditors usually recoup at least the original expenses – that is, the amount the bill was originally before it was doubled and tripled or even quadrupled by over limit and late payment fees and interest charges. Additionally, creditors can write off all the money they lose in interest and fee payments on their taxes so as long as they still get the original amount that you owe them, they have nothing to lose. What Do You Get From Debt Consolidation Services? You get to combine all your bills into one bill payment every month. You get one payment that is considerably lower than all your other bills were before. Your phone will stop ringing off the hook with creditors calling you and asking for money. Your stress will dramatically decrease knowing that you have taken the steps to get yourself out of the downward spiral of debt. All of this starts when you employ a specialist in debt consolidation services.

         
    Adverse credibility no hurdle for bad credit debt consolidation loans

     

    There is increasing number of borrowers who have a pile-up of debts and to complicate the matter they are labeled as bad credit also. That means relief from debts becomes all the more a tough task. These people need not to loose heart anymore. Bad credit debt consolidation loans are particularly made suitable for them keeping their financial background in consideration. On taking bad credit debt consolidation loans, the borrowers revitalize themselves. The loan is available hassle free and on easier terms and conditions provided borrowers take care of its key aspects. Bad credit happens to a borrower when he fails to clear loans in time and have to face cases of payment default or County Court Judgments. This is reflected in the credit score of the borrowers. A bad credit score on FICCO scale is 580 or below in a scale ranging from 300 to 850. Credit score of 720 and above is considered as safe and sound for offering loan. So, before you ask for bad credit debt consolidation loans, you better check your credit score. If it is on negative territory, make some improvements in it. Have your credit report made error free by an expert. Pay off those easy debts to enhance credit score. The improvements not only increase your credit score but more than that impresses the lenders that you are serious towards clearing debts. Don’t forget a better credit score may be useful in availing the loan at better terms and conditions. Debt consolidation is all about bring your various loans taken from different lenders under one lender so that a new loan availed at lower interest rate can be used in clearing debts of higher interest rate immediately. Bad credit debt consolidation loans are availed in secured and unsecured options. To take secured bad credit debt consolidation loans, borrowers should offer collateral in the form of any property such as home, vehicle, jewelry etc to provide loan security to the lender. With the loan well secured, lenders do not take serious note of bad credit and even ready to offer greater amount of loan depending upon the higher equity in the collateral. When secured, the loan can be availed at lower interest rate. The repayment term also can be larger to the comfort of the borrowers. In case of no collateral offered or taking unsecured bad credit debt consolidation loans, the borrowers should satisfy the lender with proof of sound income source and good financial position. If the borrowers fail to provide the proof then the loan amount may be smaller and interest rate also may be higher. To these people lenders give a shorter repayment term. However, if borrowers search for the suitable loan package and compare for the lower interest rate, they can take a cheaper loan as per their budget. So, it is advised to apply online for bad credit debt consolidation loans. If availed properly bad credit debt consolidation loans enable you to regain financial health.

         
    Adverse credit debt consolidation loan to mitigate ills of bad credit

     

    Loans are one of the best sources to finance your cash needs. UK loan market is filled with infinite number of loan options that aim to meet the diverse needs of borrowers. You too must have taken a number of loans or used credit cards at many occasions. It’s good if you have used them wisely and paid them on time. But, if you have defaulted on loan or missed a credit card payment, then your credit report will reveal that you have an adverse credit. An adverse credit is an evil if you don’t know how to get out of it. An adverse credit debt consolidation can help in managing your debts effectively and ensures freedom from debts. First of all, you need to understand the fact that you are not the only one who has an adverse credit. It is estimated that one in four people in the UK would be turned down by a mainstream, high-street lender just because they have adverse credit. Accept the reality that you have an adverse credit but don’t get drowned by the fact, try to find the solution. The best way to tackle a solution is to face it boldly and not to run away from it. In such cases, an adverse credit debt consolidation can do wonders for a debtor. Adverse or bad credit with whatever name you may call it connotes a poor credit rating. The term adverse credit embrace mortgage arrears, defaults, County Court Judgments (CCJs), bankruptcy, Individual Voluntary Agreements (IVAs) and house repossession. A borrower can get his/her credit report from any of the credit rating agencies namely Experian, Equifax and Transunion. Credit report is a report containing details relating to the credit history and current status of a borrower’s credit standing. A FICO score of 620 or below is considered to be bad by the lenders. There is risk involved in lending money to people with adverse credit history, because they may make default on payments in future too. But, the increasing number of default and bankruptcy cases shows that more and more people are getting trapped in the vicious circle of adverse credit. Loan providers now understand the fact that to err is human; a person may miss to make a payment due to some personal financial crisis. Thus, keeping this in mind, lenders offer adverse credit debt consolidation loan to borrowers to keep them away from the stress involved in dealing with a number of lenders. A borrower can apply for either a secured or an unsecured adverse credit debt consolidation loan. Usually, adverse credit debt consolidation loans are secured loans, which are secured by a borrower’s collateral such as a property or a home. An adverse credit debt consolidation loan works as an effective management tool; it is designed specifically for people with bad credit rating. An adverse credit debt consolidation loan will consolidate all your debts into one manageable and affordable loan at better rates. The lender will deal with all your creditors and you will be accountable to only one low monthly payment on the single loan. You can also look for debt consolidation help and debt counseling services offered by several adverse debt consolidation loan providers. Loan advisors can give you useful advice to help you get out of debts as soon as possible. A borrower with an adverse debt consolidation loan can borrow any amount ranging from Ј5,000 to Ј250,000. Online lenders can offer you better deal than traditional lenders. The process of applying for an online loan is simple and fast. Borrower just needs to fill up a small application form and then the lenders analyse the application form to find the appropriate loan for the loan applicant. Don’t choose the very first loan offer you get. Search for the various lenders and collect loan quotes from them which are available for free or for nominal charges. Loan quotes can be compared on the basis of interest rate, loan term, repayment options, loan amount and the fees charged by the lenders. Thus, predefine the features you are looking for in the loan, this will help you in making smart decision which will prove to be fruitful in the future. A financial crisis can happen in anybody’s life. One may fail to make loan repayments in such circumstances and this may lead to your name getting listed in the books of bad credit. An adverse credit debt consolidation can help you get out of the debt trap. But, what is important is to learn from past mistakes otherwise you will remain ensnared in the vicious circle of debts your whole life.

         
    Advice for debt consolidation especially for the uk borrowers

     

    Recently, debt consolidation has become popular among the UK people. Many borrowers in the UK are being interested in consolidating debts. No doubt, debt consolidation is the ultimate way to solve all debt puzzles. But some borrowers prefer to take some advices before going for consolidating debts. Here some advices are introduced for their favour. What is debt consolidation? Debt consolidation is a part of debt management. In this process, generally borrowers in the UK consolidate all their debts into a single debt and quench their debt burden. With this procedure, borrowers take a different loan that covers all their unpaid debts. Afterward, borrowers need to make payment only on that single loan instead of various ones. Thus, debt consolidation helps all borrowers in the UK to regulate their debts. Besides loans, debt consolidation can be done through mortgage, remortgage, credit card etc. What kind of debt consolidation loans is apt one? Normally, two kinds of debt consolidation loans are available in the loan market of the UK. These are, secured debt consolidation loans and unsecured debt consolidation loans. Secured debt consolidation loans are obtainable against a security and undoubtedly for that, these loans are offered at lower interest rate. Therefore, if any borrower in the UK wants to consolidate his debts without spending extra money, then secured option is better option for him. On the other hand, no collateral is required for unsecured option. Its interest rate is usually high due to the absence of security. As security is absent for unsecured option, thus these loans are appropriate one for those who are non-homeowner or do not want to take any risk with their property. What benefits are available? The benefit list of Debt Consolidation Loan is truly vast. The main pros of these loans are as follows: • Cost-effectiveness as it reduces the interest rate • Eradication of various payments. • One loan and one lender facilities. • Ending of untimely and harassing calls of lenders. • Helping hand for the UK borrowers to live a debt-free live. Where to apply? Easy availability of debt consolidation has made it famous in the UK. Many traditional lenders in the UK are offering these loans. But, it can be said for advice that online debt consolidation is the best option that one can opt for. With this option, borrowers in the UK do not need to spend much time for getting a favourable offer. By clicking the mouse, he can apply for a best loan within few seconds. At the end, one more advice is referred for all the borrowers in the UK. Debt consolidation is a good option to manage debts properly but at the same time all borrowers should not forget to check their financial capacity while thinking about this option. And last but not the least, consolidating all debts may not be profitable, especially those loans have low interest rate. If one’s debt is ₤5,000 or more than it, then this option will be fruitful for him.

         
    Advice on credit card debt consolidation make the experts work for you

     

    Copyright 2006 Geoff Morris Credit cards can be a great boon to many people, and have been since the introduction of the first one, BarclayCard, back in 1966, which then enjoyed a credit card monopoly into the seventies, when, in 1972, Access was launched. Nowadays every major ( and minor) Bank, large store, etc, have added to the virtually thousands of cards to choose from. The introduction of so many plastic money sources, for many of us, has caused an uncontrollable temptation to spiral into consumer debt. Do you really know how many credit cards you carry and what their balances all are? Do you know what the rate of interest is on these cards? Do you have a list of long-pending bills? Do you know your exact financial situation? But these credit card producing companies only have one thought in mind. They are not thinking of the convenience that plastic money brings to us, or for those of us that use the credit card interest free period, but for those of us that take the easy temptation into debt not considering where the real money will come from to repay these credit card debts. Worse of all, there are virtually no controls whatsoever over these card issuing firms, especially over their extortionate interest rates. I saw one card, with an interest rate of 35%. Because this temptation is so easy, it doesn't matter whether you're already deep in debt or whether you are on the verge of getting into it; in many cases you need some advice on debt consolidation--and not informally from friends--but from experts. Where can you get expert advice on debt consolidation for your credit cards? You can get advice on credit card debt management from banks and financial firms. There are loads of debt consolidation companies around who will supply you with a financial expert or councilor to help solve your problems. You may also find some helpful advice online on debt management. All you are required to do is to fill-out a form, giving them information about your credit rating, your secured and unsecured debts, and the list of your creditors. They will chalk out a plan just for you and advise on which steps you should take next. Another advantage of debt advice is that your advisor will also suggest you some lifestyle changes you can make in the future to changes in your lifestyle to prevent another credit card debt pile up. That's great, but how much do you have to pay? Don't worry! Most of the advisory part is done free of charge. Although the price can only be known once you have chosen the company or bank with whom you wish to work. There are definitely online sites and other firms which will offer you advice free of cost but this is for you to decide. Credit Card debts should not be neglected and it is always better to take advice from the right source. Choose your company with utmost care and you will find your way out of debt. Also, if you ever get into debt, do not become an ostrich. Sticking your head in the sand will actually not make the situation any better. As well as debt counseling, you should inform your credit card company ( or companies) as soon as you get into trouble.

         
    All about debt management services

     

    Are your loads of debts bothering you? Do your creditors keep calling to remind you of your liabilities? Are you afraid you might not be eligible to borrow again just to make ends meet? If the answer to these questions is yes, then you might want to seek advice from a debt management services company. They offer solutions through debt management that will eventually free you of debts. Debt management is a term that refers to a ‘third party’ between the debtor and their creditors. A debt management specialist will work with you to come up with a viable plan to repay your debts and lower your monthly payments. This is done by consolidating all of your bills into one. The debt management service collects a monthly payment from you and disperses this payment to all of your creditors. At the same time, they work with your creditors in order to reduce any finance charges or late charges that might be excessive. The debt management service gets a commission by taking a fraction of the debtor’s monthly disbursement, and usually some type of payment from the creditors. For the most part, debt management services are great for people who owe a large sum of money to creditors, because the service will help you to properly assess your overall spending and cash flow, while settling with your creditors at the same time. It can even help you achieve a debt-free way of living. There are lots of debt management agencies that can provide you with services that are indispensable because they can help you avoid bankruptcy and other financial woes. After all, cutting down your debts is what debt management services is all about.

         
    All you need to know about debt consolidation loan in the uk

     

    Many people in the world are born with a hatful of money where as others have to work for everything they want to have. Sometimes the quest for different needs brings about a requirement for a loan sometimes two and in other cases three or in extreme cases even more than those numbers. With the increase in the number of lenders the loans are easily available. The problem arises when these loans pile up and the repayment is not easy to make and this can be a terrible position to be in for anybody. Debt consolidation offers a solution whereby the borrowers can get a much easier way to this solution. What debt consolidation means is that a borrower who owes money to many lenders can, if so chooses, pay them off in one go by taking a single loan from another lender. After the borrower has taken debt consolidation now his single creditor would be the lender who pays off the other creditors. People often wonder that how this would benefit us in fact, this is only liable to bring about more confusion, more paperwork and many other hassles. In reality it is totally different and the debt consolidation loans are only for the benefit of the customers only. The benefits that a borrower can get by choosing to apply for a debt consolidation loan are: • Debt consolidation loans are arranged at a cheaper rate than the average of the rate that you have been paying so far. • Debt consolidation allows you to focus on one single creditor than multiple creditors which is a lot more peaceful as the other creditors may not be that understanding when it comes to problems relating to repayments. • A borrower can choose both the debt consolidation loan options both secured and unsecured. • Debt consolidation loans get you terms that will suit you than those devised to benefit others. • People with bad credit can get more benefits than they can imagine and considering other advantages it is an absolute god sent loan for them. After all these advantages there should not be any second thoughts in the mind of the borrowers about the debt consolidation loans. People who need them should quickly go online or apply directly to the local creditors and get there loan request registered quickly. Debt consolidation loans are an unconditional help for people in UK. It allows customers many benefits in handling their loans. So it is advisable to go for these loans and start running again.

         
    All you need to know about non homeowner debt consolidation loans

     

    Until recently, the process of debt consolidation was only available to the people who were homeowners or who were in possession of assets, which could be offered to the lenders. That however, has changed with the arrival of the non homeowner debt consolidation loans. These non-homeowner debt consolidation loans provide the same function to the non homeowners that debt consolidation does to all the other borrowers. Debt consolidation – It is a process by which the people who owe multiple debts clear off their debts by taking another loan that would cover for all the previously owed debts. The process begins by taking loan from a lender, who deals with such debts. People many a times wonder as to how a loan much bigger in size, will help the borrowers who may already be struggling with the burden of debts. That my friends, is possible with the way the loan and its working is structured. The loan is featured as such that it will only aid the borrower in every step of the debt consolidation process The benefits that a borrower stands to get with the non homeowner debt consolidation loans are: •The loan is an unsecured loan and this eliminates a lot of the risk that may have been associated with a secured loan. •The loan gives the non-homeowners a chance to restart their payments by taking over all their previously accumulated debts. •Also the interest rate is lower than the average interest rate of all the previously accumulated debts. This feature subsequently helps in lowering the monthly installments to be paid. •The borrower now has to face only a single lender, which is theoretically easier than being answerable to a number of creditors. •People with bad credit history get a chance to improve on their credit score by following the guidelines given by their new lenders. This in future can help in getting easier loan terms. With these benefits and features, the borrowers get all that they desire as far as their loans are concerned. Borrowers however, have to be careful in their dealings as this loan may not carry any threats to your assets, but still failure to pay the required or agreed installments could be hazardous to both the credit score of the borrower. Harsh fines and sanctions could also follow this. Though, that is an extreme case but still prevention is better than cure.

         
    Americans in debt

     

    : Debt is a fact of life in America, making debt relief a national obsession. A search for “debt relief” on Google pulls up over 34 million pages; on Yahoo and MSN, the total is over 12 million pages. The average American household has $9,300 of credit card debt, but the share of income going to lower credit card debt has fallen to 0.3 percent. The increase in personal debt can’t all be blamed on overspending. After adjusting for inflation, wages have been flat for the past five years while the cost of essential goods and services like housing, food, medical care and transportation have risen over 11 percent according to the Federal Reserve Board's most recent Survey of Consumer Finances. Housing Debt Based on this study, the Washington Post recently reported that, The debt of the typical American family earning about $45,000 a year rose 33.1 percent from 2001 to 2004, after adjusting for inflation … Housing debt has climbed notably because home prices have risen and people have borrowed against the equity in their homes. From 1989 to 2004, for example, the median mortgage debt more than doubled, from $46,900 to $96,000. This refinancing trend is one of the main strategies for debt relief. It takes several forms: first mortgage refinancing, second mortgages, debt consolidation loans and home equity lines of credit. These mortgages can be either fixed-interest or adjustable-interest loans. Many websites keep abreast of current interest rates and offer a free mortgage refinancing application that matches potential borrowers with the best loans based on factors like credit history, FICO score, type of mortgage and size of loan. LowOwe is typical of sites that help clients reduce the monthly cost of home ownership through refinancing. Debt Consolidation Loan A debt consolidation loan converts a passive asset—home equity—into ready cash for debt relief. It is easier to get than other forms of borrowing because the loan is secured by tangible property. It makes better sense than borrowing against the cash value of a life insurance policy or pulling money out of a retirement or 401(k) account. New or refinanced mortgages don’t really reduce debt, but they can restructure it in beneficial ways. Benefits include: being able to pay off high-interest credit cards and other forms of revolving debt; making home improvements that increase the market value of the house; having a single monthly payment at a lower rate of interest. An added plus is that the interest on a home loan or mortgage is usually tax deductible. But don’t wait too long to refinance. CNNMoney reports that, “Real estate gains came to an abrupt halt in the first quarter of 2006, with the median price of a U. S. home falling 3.3 percent from the fourth quarter of 2005. … Prices were basically flat or lower during the quarter as inventories of houses for sale rose and their time spent on the market lengthened, according to a survey of 149 markets by the National Association of Realtors.” Even if the Feds keep raising interest rates, mortgage refinancing and home equity loans will still be the preferred form of debt relief for homeowners who find themselves in a financial pinch. At a time when the national savings rate is below zero, home equity is the only asset many people have.

         
    An easy way to eliminate your credit card debt

     

    : There are millions of Americans out there who have paid off heavy credit card debt, and you may be one of them. To get rid of credit card debt, it won't be enough, however, to just make minimum monthly payments. In fact, you just need to do a little more than just paying the minimum monthly payments; you can save thousand of interests and shorten many years in settling your credit card debt. To give you a better picture how it work, let use a case study to elaborate the solution. Case Study: A friend of mine asked me to take a look at her monthly credit card statement; according to her, she has stopped using this credit card and try to pay it off, but feels like she isn't getting anywhere. The credit card statement record shows her balance is $5218.00 and she is paying 18% of interest; and she is paying the minimum payment at 3.5% or $10 whichever is higher. Like many who confuse with financial matters, she thinks that as long as she stops using the card and by just paying the minimum of monthly balance, her credit card debt will be cleared soon. The Calculation Result: If she has stopped using this credit card, and if she continues to make the minimum required monthly payment, as she has been, based on the way her bank calculates her minimum required monthly payment. It will take her 181 months to pay off her current credit card balance of $5,218.00 and she will pay a total of $3762.35 in interest. In other words, if she continues doing what she has been doing. It will take her 15 years and cost her $8980.35 to pay off her $5218.00 credit card balance. No wonder she feels like she is not getting anywhere. So, what should she do? Actually, it quit simple, if she able to pay the minimum payment of $5,218.00, which is $181.37, which means this is her affordable amount. Instead of paying the minimum payment as defined by the credit card company, she continues to pay $181.37 from now on. As the result, she will pay off this credit card in 43 months instead of 181 months and she will pay $1635.45 in interest instead of $3762.35 in interest, saving $2126.90 in interest charges. See the different? What she can more? If she really wants to go for it, she could increase the amount of her "new" self-imposed minimum required monthly payment. For example, if she were to start paying an additional $18.63 a month for a total of $200.00 a month. She will pay off this credit card in 34 months instead of 181 months and she will pay $1428.30 in interest instead of $3762.35 in interest, saving $2334.05 in interest charges. If she were to start paying an additional $68.63 a month for a total of $250.00 a month, she will pay off this credit card in 26 months instead of 181 months and she will pay $1071.09 in interest instead of $3762.35 in interest, saving $2691.26 in interest charges. If she really wants to eliminate her credit card debt as soon as possible and her financial is able to support it, she could double the amount of her "new" self-imposed minimum required monthly payment. If she were to start paying $362.74 a month instead of $181.37 a month, she could pay off her credit card balance in 17 months. In Summary There are a number of things she could do, but this is one of the simplest and it's something she can start doing right now to begin eliminating her credit card debt. You can do the same to start eliminate your credit card debt. If all you do is stop charging on your credit card and continue making the same minimum required monthly payment you will be making on your credit card this month, every month from now on, you will make significant progress towards totally eliminating your credit card debt once and for all.

         
    An introduction to collection and debt recovery

     

    Whether you are a company dealing with business to business collections, or you simply are trying to recover debt from one customer who bounced a check, a reputable agency can help you with this battle. There are hundreds of collection agencies out there, so doing a little research can go a long way. Time Is of the Essence Successful debt collection begins with immediate action. It is never a good idea to wait more than 90 days to begin trying to recover debt on past-due accounts. This is where a good collection agency comes into play. The agency will immediately begin communications with your debtor through phone calls and mailed letters. If they are unable to connect with your debtor after several attempts, they may refer your case to a collections attorney. The collections attorney will almost always be able to collect from your debtor, as most people fear legal action. Once the debt is recovered, the only thing left to do is pay the agency the fee that was agreed upon at the date of hire. Understanding Collection Agency Rates If you are a business owner trying to collect on past-due accounts, a reputable collection agency can often help. However, it would be wise to conduct a little research before selecting one. Collection agency rates vary, sometimes significantly. In general, the longer a debt has remained past-due, the harder it is to collect it. Therefore, the fee you pay out to the debt collection agency will be higher. How Much Did You Say? It is plausible that collection agency rates can reach as high as 50 percent. One agency might charge 35 percent for accounts 90 days past due, while another will charge 50 percent to work on an account with the same status. Fees also vary according to the amount owed, length of time overdue, as well as previous handling by another agency. You may find it amazing that collection agency rates can reach upwards of 50 percent. You have to decide if the amount past-due warrants the time and money you will spend trying to recover delinquent debts. In many cases, the satisfaction from collecting what is rightfully yours, balances out the fee paid to an agency. Debt Collection Basics The very nature of debt collection calls for aggressive planning. Businesses lose hundreds of thousands of dollars a year due to delinquent accounts. More often than not, a third party, such as a nationwide collection agency, needs to be brought in to recover lost revenue. When a client falls behind on payments, whether it be one person or a huge corporation, the ability to collect decreases as time passes. Often times in-house accounts receivable offices cannot handle the enormous volume of past-due accounts. This is debt collection at its worst. There Is Help This is where a reputable collection agency comes into play. They can help ease the heavy burden of debt collection, by aggressively contacting your debtor. This is usually done by placing numerous phone calls, and sending out letters regarding their delinquent status. These agencies have high-tech computer systems that can trace people who have disconnected their phones or changed their address. If they are still unable to collect after these efforts, a collections attorney is usually asked to take on the case. More times than not, an attorney can recover funds as the debtor does not want any legal suit brought against him or her. Debt Management and Your Business Debt management is an issue that most business owners would rather not have to deal with on a daily basis. However, it should be a top priority, as delinquent accounts cost business owners thousands of dollars every year. It is imperative to have an accounts receivable management office that is fully capable of handling these past-due accounts. Unfortunately, many businesses' accounts receivable offices simply cannot handle this demand. It then becomes necessary to hire a reputable collection agency that will handle all of your debt management needs. This agency will work for you to collect money on your behalf from clients with past-due accounts. Getting Back What Is Yours You will work closely with the agency that you have chosen to handle debt management for your business. They will be aggressive in their efforts to get back what is owed to you. Oftentimes, they have dial-up computer systems that allow you to log on and check their progress. The agency should always keep you in the loop regarding the status of the accounts being assessed. If and when they have recovered money from your debtors, you should be notified immediately of this change in account status. If it is to your satisfaction, the last step it to pay the agency the previously agreed upon fee, which is a percentage of the total amount collected. Finding a Nationwide Collection Agency Are you tired and discouraged from fighting the constant battle of debt collection? Does it seem like your in-house accounts receivable management office cannot keep up with the demand? Or have you been unable to collect on accounts despite all efforts. It may be time to find a good nationwide collection agency. For information go to: nationalmanagement. net/collection_agency_states/index. html

         
    An introduction to getting a debt consolidation loan

     

    If you have reached the maximum limit on your credit card, along with payments due for a car loan, personal loan and house payment, rest assured, you’re not the only one drowning in the sea of debt. With this overpowering impact of consumer goods, everyone finds themselves deep down in debts or prone to it. Many people can’t even recollect where they have managed to spend all their money. The minimum payments on your loans only cause further distress and are not assisting you to get out of debt. A debt consolidation loan is a recommended solution to fix your current financial disarray. A debt consolidation loan pays off many loans or lines of credit. The key to debt consolidation is attaining a low interest rate to help you pay off all your debts faster. This will help you save thousands of dollars which you would needlessly be paying in interest over a prolonged period. The time frame to get out of debt through debt consolidation finance varies greatly and depends on the amount of debt and the kind of debt. The average length of time to get out of debt is 4 years or less. Strive to pay off high interest debts first; then work on every other debt according to interest rates being charged. The key is to pay less interest overall, leaving more money to pay off principle. Once all the high interest debt is paid off through debt consolidation then you must control your expenses and chart out a budget, which will plan your income and expenses well. Less debt and lower interest rates ensure that you pay off faster and save money. When your creditors realize that you've signed up for a debt consolidation plan, they acknowledge your effort to pay off your debt and may be willing to offer more favorable terms, making it easier for you to repay them. Also, making one payment is much easier than figuring out who should get paid how much and when. This makes managing your finances much easier. Hence, debt consolidation is considered as one of the best financial tools if a person needs to get out of debt. However, you must watch out for the trap of getting sucked into further debt: With an easier load to bear and more money left over at the end of each month, you may easily be tempted to start using your credit cards again renewing your uncontrolled spending habits which got you into such debt in the first place. Also, remember that you can lose everything. Debt consolidation loans are secured loans. If you do not pay the loan, they will take away whatever secured the loan. In most cases, this will be your roof. Before you decide to enter a debt consolidation plan, carefully weigh its pros and cons in a realistic manner to determine if this is the right decision for you. While trying to get out of debt, the last thing you want to do is to make the problem worse than it was.

         
    An overview of student loan debt consolidation

     

    : A student loan debt consolidation loan allows you to combine your federal student loans into a single loan with one monthly payment. The repayments of a student loan debt consolidation loan can be significantly lower than the payment required under the standard 10-year repayment option. Under the Federal Family Education Loan (FFEL) Program, banks, secondary markets, credit unions, and other lenders provide the student loan debt consolidation loan. Under the William D. Ford Federal Direct Loan (Direct Loan) Program, the federal government provides the student loan debt consolidation loan. Most federal education loans are eligible for inclusion in a student loan debt consolidation loan, including subsidized and unsubsidized Direct and FFEL Stafford Loans, SLS, Federal Perkins Loans, Federal Nursing Loans, and Health Education Assistance Loans. However, private education loans are not eligible for inclusion in a student loan debt consolidation loan. To find out which loans can be included in a student loan debt consolidation loan contact the Direct Loan Origination Center's Consolidation Department if you’re applying for a direct student loan debt consolidation loan. Contact a participating FFEL lender if you’re applying for a FFEL student loan debt consolidation loan. It is worth noting that you are still eligible for a student loan debt consolidation loan after you graduate, leave school, or drop below half-time enrollment. You can also get a student loan debt consolidation loan while you're in school. You must, however, be attending at least half time and have at least one Direct Loan or FFEL in an ‘in-school period’ which generally means that you have been continuously enrolled at least half time since the loan was disbursed. There are a number of conditions that need to be met for you to qualify for a student loan debt consolidation loan, especially if you are delinquent or in default and your loan holder will be able to give you all the necessary information. If the same holder holds all the FFEL loans you want to consolidate, you must obtain the student loan debt consolidation loan from that holder, unless you haven't been able to get a loan with income-sensitive repayment terms that are acceptable to you. To be eligible for a William D. Ford direct student loan debt consolidation loan, you must have either a direct Stafford subsidized or unsubsidized loan that will be included in the student loan debt consolidation loan or have at least one Federal Family Education Loan (FFEL) program Stafford subsidized or unsubsidized loan. Get out of debt - debt help and relief guide.

         
    Are non profit credit counseling agencies a better bet for consumers

     

    Non-profit credit counseling agencies enjoy special benefits because of their status. There is a tax advantage; non-profits enjoy tax exemptions on both a state and federal level. Non-profit agencies are also eligible for both public and private grants to support their mission. Non-profit agencies have a better reputation among both creditors and debtors. In order to initiate Fair Share contributions, non-profit status is mandatory. Some states even allow non-profit agencies greater freedom from consumer protection laws. Debtors feel more comfortable dealing with a non-profit agency than one with a more commercial focus. Most major credit counseling agencies flaunt their status as non-profits, but some fail to live up to that promise. Some unscrupulous agencies are using their non-profit status to lure in unsuspecting clients and to fleece them. Debtors need to look beyond the non-profit label and investigate the agency before enrolling in a credit repair program. Some consumer credit counseling agencies are truly in it to help people get back on the road to financial well-being. Agencies accredited by the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies offer reputable services to their clients. Such agencies will not make false claims about fixing credit histories or credit scores; they will paint a realistic picture of your situation and tailor their actions to meet your needs. Before enrolling in a credit counseling program, you should research the agency carefully. Check with the Better Business Bureau to see if the agency has a history of complaints. Visit online forums to read reviews from former clients. Make sure that the agency is reputable and reliable before granting access to your financial information. Solid, reputable credit counseling agencies are an invaluable resource for debtors who have reached the end of their financial rope. A good credit counselor will work with you to create a personalized budget and debt management plan, while working with your creditors to reduce monthly payments. Lowering interest rates and erasing finance charges and late payment penalties are another way a reliable counselor can help you. A counselor’s ability to eliminate phone calls and dunning letters from creditors is enough to make most consumers glad they chose to enter credit counseling.

         
     
         
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