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    Free Essay
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    The real meaning of debt

     

    Right, what does debt really mean? Debt is money that someone else lends you, on the understanding that you’ll pay it back. Let’s face it, if you didn’t have to pay it back, it wouldn’t be a debt, would it? It would be a gift or a grant. But it doesn’t end there. If only it were that simple! Almost everyone who is willing to lend you money will expect something in return. Yes, you’ve guessed it, interest. Now for those who have forgotten about the effect of interest, let me remind you. I want you to open your wallet or purse, and take out a bank note (if you have any, that is!). Now hold it out in front of you and set fire to it. Go on, watch it burn. Watch it shrivel up and disappear in front of your eyes. Think about the effort that it took to earn that money. Now take another note and repeat the procedure. Set fire to it and watch it disappear. Then do it again. And again! And again! Not too keen, are you? And I’m not surprised. But that’s what interest means if you owe money. It’s money that you have to shell out just for the privilege of being able to use other people’s money. And that’s before you think about repaying the amount that you originally borrowed! You may as well set fire to your money. At least it would keep you warm and give you something vaguely interesting to watch for about thirty seconds! The interest that you pay on your debts is dead money. You have to pay it just to stand still. So despite all the time and effort you may have taken to earn it, you remain in exactly the same position as you were before. It’s like repeatedly paying for meals that you’ve already eaten, trips you’ve already taken and entertainment you’re already enjoyed. Right back at square one! Interest is the price that you pay for not having enough money to afford the things that you've bought. It’s the penalty for having tastes that are more expensive than your means. It’s your punishment for being poor! But interest works both ways. If you have money, it can be invested to make more money. You are the master. It is your servant! But things change when you’re in debt. Every penny that is borrowed has to be paid back….with interest! You become the servant. Money becomes your master, and it fairly cracks the whip! I think this example with make everything clear. Money and debt are like a giant pulley. Okay, imagine you’re standing on the top of a 100 storey building. There’s a giant pulley attached over the edge of the building. Hanging from the pulley is a heavy weight. It weighs the same as you. This weight represents the state of your finances. You are on the roof of the building holding the rope that supports the weight from the pulley. Now imagine that the height of this weight represents the amount of money that you have. It starts level with the fiftieth floor. That represents break even. No money, but no debt! The higher the weight rises, the more money you have. The lower it drops, the more you are in debt. Nice and simple, except that’s not the whole story! The higher you manage to heave the weight, the healthier your bank balance. And to represent the interest your money would earn, for every floor the weight rises, you become 5% stronger (that’s your financial muscle). So by the time the weight rises from the 50th to the 65th floor, you become twice as strong, making the weight much easier to support (and lift even higher!) But that’s where the good news ends. If you ease up on your efforts to lift the weight any higher, it will start to drop, and the extra strength you had will start to disappear. By the time the weight falls back to the fiftieth floor, you’ll be of average strength once again. And then it gets even worse! As the weight drops below the fiftieth floor, to represent you slipping into debt, the weight gets heavier. For every floor that the weight drops below the fiftieth, the weight will increase by 5%. This represents the interest that has to be paid on your debt. So in other words, you have to work harder and harder just to keep the weight from falling any further. The further the weight slips the harder it becomes to stop it dropping any further. By the time it is level with the 25th floor, the weight would be three and a half times heavier than it was at the start. That means you’d have to work three and a half times as hard just to stop the weight from falling any further. That’s a mighty strain! And people who are in debt wonder why they feel miserable and full of stress! Oh yes, one final thing, if the weight hits the ground at the bottom of the building it’s game over! Bankruptcy! You lose everything that you currently ‘own’. And the sad fact is that millions of people around the world are struggling to hold their weight somewhere around the 25th floor! At that level they can’t afford (no pun intended!) to ease up on their efforts for a moment. One slip and their weight will hit the ground. If that doesn’t motivate you to get out of debt, I don’t know what will! by Stuart Laing Copyright (c) Get Out Of Debt

         
    The surefire way to get out of debts change your spending habit

     

    I’m sure you have been told about the availability of debt consolidation companies, programs and services that can help you get out of your debt problems. Especially since these debt consolidation companies are growing and coming up like nobody business, with more American getting into debt problems nowadays. The ease of getting credit and loans certainly did not help American from getting into debt problems. But the biggest question is can these debt consolidation companies “really” help you get out of debts? Debt consolidation is only a method, or rather a system to help you get out of debts. The ultimate work hard has still got to be done by you. Be honest with yourself now, Are you in debt because you overspend or because you spent beyond your capabilities? Well, it’s really a no-brainer: you will not be in debt if you don’t over spend! I’m sure you agree with me. And if you don’t know yet, overspending is a habit. To me, it’s just like smoking - a bad habit. Like buying gums to help you quite smoking, Debt consolidation companies is just a tool to help you break off your bad habit, the hard work has still got to be done by you. Take quitting smoking for example, if you think you have successfully quit smoking because you have make the first move to buy a quite smoking gum, you are just been naпve – period. It’s just the first step forward to correct your habit, and the hard work is yet to be done. Going back to debt consolidation, I’m trying to say that debt consolidation is only the first step to work back your financial health. You still got to put in effort, be discipline and keep to your financial plan such that you can clear your debts and live a debt-free life again.

         
    The tax implications of debt settlement and why chances are you shouldn t care

     

    (The author of this article is not a tax attorney, CPA, or enrolled agent, and this is not to be considered tax advice. If you need tax advice, you should consult someone who is certified in this arena. Did you hear about Bill Gates? He decided to give away all his shares of Microsoft and start working at a car wash in Seattle. When Larry King asked him why he decided to do it, Gates admitted that he was losing too much money on the taxes. You see---by making $7 an hour, he would be in the lowest tax bracket, and if he could manage to make less than $19,000 a year, then he would not have to pay any taxes at all! Back when he was making a $1 billion annually, he was left with $500 million after taxes every year. So Gates thinks he can make more money this way. As preposterous as the above example sounds, it’s exactly the same logic employed by consumers who fear the tax implications of debt settlement. For one, most people enrolled in debt negotiation programs don’t have to pay taxes on their savings as is (more on this later). Secondly, why in the world would it ever even deter you from enrolling in a debt settlement program anyway? It’s literally the equivalent of someone turning down a million dollar salary for minimum wages because of the favorable tax implications. Consider the following scenario. Frank owed $20,000 at 19% interest when he enrolled in a debt settlement program. When it was all said and done, Frank was able to reduce his debt down by 45% and in the process he saved $9000 off the balance alone. Unfortunately, each of his creditors reported his savings to the IRS and he was forced to tack on $9000 to his $40,000 annual income. So he was taxed like he made $49,000, which put him in the 30% tax bracket and meant he had to come up with $2700 on April 15th. Regrettably, Frank did not have the money, so he got on a payment plan with the IRS, who charged him their current interest rate, which happens to be 8 percent annually. In the end, Frank paid off the IRS in 1 year for $2916. This means that Frank in actuality only saved about $6,000 off the balance. So would Frank have been better off continuing to pay the minimums instead of settling his debts? Let’s see. He saved $6,000 off the balance alone and roughly $40,000 in interest charges, which brings his net savings to $46,000. It’s pretty clear that it was still in Frank’s best interests financially to do debt settlement. It does not end here. Most debt settlement candidates never have to pay taxes on the debt anyway. The IRS exempts anyone who was technically insolvent at the time their debt was settled from having to pay taxes on the savings. So the next question is, what does it mean to be insolvent? According the IRS, someone is insolvent when their assets (what you own) exceed their liabilities (what you owe), and it should come as no surprise that when someone is at the point when they’re seeking debt relief, they’re probably in debt up to their eye balls and therefore are insolvent. If you owe more than the value of your assets, then all you have to do is fill out IRS form 982 along with your tax return illustrating this fact. All told it will probably take you a couple hours to do this, and if you saved $46,000 like Frank in our example, then it’s the equivalent of making $23,000 an hour. Unless you’re Bill Gates, it’s probably worth it.

         
    The three stages of debt consolidation loans

     

    If you are experiencing debt problems then one solution may be to take out a debt consolidation loan to sort yourself out. Getting into a spiral of debt doesn’t just affect your finances – it can be a stressful experience that can also affect your health and mental well-being. So, it makes sense to take action as soon as you can before the situation gets completely out of hand. If your debts are worrying you – and remember, you don’t have to owe a whole lot of money to have debt problems – then there are three basic stages to debt consolidation that can help you make the right decision on what to do. Let’s take a look at your options. Stage One – Decide what you want It doesn’t matter how big or small your existing debts are – if they are a worry to you then debt consolidation loans could provide you with the right kind of solution. So, are your debts so bad that you need this kind of loan? The first thing you need to do is to work out how bad your financial situation is. If, for example, you spend most of your monthly income on repaying your debts leaving you with little or no cash spare to live on every month then you may well need to look at this kind of solution. The problem with many debts nowadays is that most of us end up borrowing money on products such as credit cards and overdrafts. So, every month you may find that you are simply repaying the minimum sum allowed whilst high rates of interest are added to your initial borrowings. All too soon you can find that you aren’t making any headway at all to repay what you owe as more is added to it every month even if you have curbed your spending. So, you may find that you have to borrow more to even make the minimum payments which will only make the situation worse. If this scenario sounds familiar to you then a debt consolidation loan could be the answer to your prayers. Stage Two – Look at what debt consolidation can do for your finances The key advantage to a debt consolidation loan is that it will repay your existing debts for you. You’ll still have to repay this loan but it’ll cost you less and it will get you out of the spiral of debt increases. This kind of loan is usually a standard personal loan so the interest rate advantages you’ll get are huge. Personal loans have far lower interest rates than products such as credit cards, for example. So, you’ll have to spend less on debt repayment every month and less overall to repay your borrowings. Plus, this kind of loan will give you just one monthly payment which can be set at a fixed rate so you will know exactly where you stand. If you have any doubts about what this kind of loan will do for you then do a bit of research first before you make a decision. Work out how much you currently pay every month on repaying your debts – then, if you log on to a specialist website such as uk-consolidation-loans. co. uk you can see how much a debt consolidation loan will suit you. And, you’ll get the instant peace of mind of knowing that your debts will be repaid at the end of the loan. There really is an end in sight here! Stage Three – Get the best deal Debt consolidation loans can come in various forms. If you prefer you can take out a specialist loan or simply opt for a standard personal loan. If you’re a homeowner you can opt for a secured loan or if you prefer or you don’t own your own property, then you can use an unsecured option. In any case, the key thing to remember is that you want a reputable lender with the best deal possible. It’s vital to keep the interest rates you get for your loan as low as possible to make sure that you pay back as little as possible over time. The easiest way to do this is to shop around. In today’s Internet focused world you don’t have to do this yourself – there are many specialist sites that can help you find great rates and deals. For many of us a debt consolidation loan can be the first step we take on the road to a debt free life. With this in mind it’s a solution worth looking at no matter what level of debt you currently have.

         
    The time to consolidate your student loans is now

     

    I don't know if you're a fan of financial guru and radio show host Dave Ramsey, but I certainly am. I listen to Ramsey every day and find his advice to be based on common sense principles for getting out of debt and building wealth. One thing that Ramsey recommends is that if you have high interest student loans, you should refinance and consolidate them now to lock in a reduced interest rate and lower your monthly payments. Other financial pundits agree. Most agree with Ramsey that the sooner you consolidate and refinance old high interest student loans, the better off you will be. I don't have student loans (no college would have me :o), but many of my friends do. I live in a very high tech area with lots of degreed engineers and programmers and scientists, many of whom owe tens of thousands of dollars in old school loan debt. If you have student loans the time to think about refinancing is now. Federal student loan interest rates are at an all time low, but that can't last forever. By refinancing your student loans now, you lock in the interest rate for the duration of the consolidation loan. The first thing you need to do is find out if you are eligible for student loan consolidation. On a referral from a friend, I found one online organization that offers a free survey that will tell if you are eligible for a federal student loan consolidation. This organization says their average customer saves $150 a month or $1,800 annually. That can add up to one heck of a savings over the life of a 5 to 10 year loan. Simply complete the online survey found at the link below to see if you are eligible to consolidate your student loans.

         
    The two step dance too facing your mountain of debt rather than running scared

     

    If you find yourself in the situation where it is not possible to repay your debts, consider the following two steps to recovery: Step 1: In spite of avoiding your situation you'd be way better off by taking some aggressive steps to solve it. If you have already reached the point where you cannot keep up with repayments, it is VITAL that you inform your creditor about it and explain what's going on. This is your first step to freedom and if you contact your creditors first before they contact you, you'll reassure them you are taking your situation seriously and have taken responsibility. Don't delay, contact your creditors early and never ignore letters from your creditors; this kind of action can make them furious. They may even try to take you to court early before you can file a bankruptcy case. Always remember that they do not want to take any legal action, unless your lack of communication and action force them to do so! Talk seriously with them as your creditors will only be considering a court case as a final option. All court actions are time consuming, unpredictable and costly; therefore it is only the last option for them. Step 2: Repayment is a question of mathematics and a very simple commercial decision for your creditors. You see, they know it's better for them to take their money back with mutual commitments (lower interest rates) rather than going through court procedures. Legal procedures usually benefit nobody, except accountants and lawyers. And most lenders realize this! If they are offered a small payment schedule over a longer period, most lenders will gladly accept this option. In this case they can get their money back rather than the option of bankruptcy. There are many brokers out there who will help with situations like this and begin the negotiations. Prepare a budget, and confirm how much you can afford to pay towards your debts each month, than contact your lenders and offer them your idea - either on your own or with the help of a credit card debt consolidation expert. If you decide you'd like help simply compile a list of all your debts and give one of your local debt consolidation experts a ring. They have their fees but will already know who to call and will save you a pile of time since they do credit card debt management all the time. They will know the fastest and best way to eliminate credit card debt and get you back into a situation you can afford. Your attitude towards your debts and your fiscal situation can take off some unneeded pressure. Be honest with yourself and your creditors - as it will be your advantage in such cases. Never choose the option of bankruptcy, as it always has undesirable legal restrictions that could come back to bite you down the road. Above all try to have fun, 2 step a bunch, smile more than normal and no matter how big the mountain of debt just know you can beat it with small bites, one at a time!

         
    The uk s growing debt crisis and a summary of possible solutions

     

    An estimated 3m people owe more than Ј10,000 on credit cards, overdrafts and loans, new research shows. Among these people just over 2.5m have unsecured debts of more than Ј50,000, according to debt solutions company One Advice. Their research found that one in 10 people who owe five figure sums are worried about whether they will be able to repay their debt. A fifth of people also admitted they had months where they found it difficult to meet their repayments, and 3% said they had problems affording repayments most months. In 16% of cases people said they were planning to take action to address their financial problems, with 7% claiming they were considering going bankrupt. London has the highest proportion of people with large unsecured debts, with 9% of the population owing more than Ј10,000, followed by the North and Yorkshire at 8%. People in the Midlands were least likely to have big debts, with just 4% of the population owing more than Ј10,000. Debt advisors are already braced for a surge in pleas for help when people realise the scale of their problems after Christmas. Those worrying about their finances should seek professional advice, as taking out the wrong debt solution could make matters worse. New Bankruptcy Rules have come into force, which may enable people with severe debt problems to become debt free much quicker than previously. Bankruptcy may be a better solution than debt management, an IVA or Trust Deed Indeed, bankruptcy can sometimes appear to be the easy way out for people with serious financial problems. But there are difficulties associated with this that can remain for some time. Bankruptcy stays on your credit file for six years, which can affect your ability to get a mortgage and credit. An alternative to bankruptcy could be an Individual Voluntary Arrangement (IVA) (or a Trust Deed for Scottish residents). With these solutions you pay back an affordable amount over a fixed period (normally 5 years for an IVAor3 for a Trust Deed). After this time the remainder of your debt is written-off. During this time no interest is charged on your accounts and all creditor action is suspended. If you have equity in your home you are normally expected to release this by way of are mortgage or secured loan. These solutions may not be available if you have too much equity (because your lenders would then quite rightly expect you to use this to pay your debts) or if your debts are mainly with 1creditor (because this creditor may choose to vote against the process). Other solutions available include getting a debt consolidation loan or remortgage. These can help reduce your monthly outgoings but can lead to your overall payments over the term of the loan increasing. You may also be converting unsecured debt to debts secured on your home. A consolidation loan can help save money if the interest rate on the new loan is lower than the interest being charged on your existing debts (especially if these are store cards or credit cards). A short-term solution may be to transfer credit card balances to other credit cards that offer an interest free period or cash-back. A less formal route than an IVA is s debt management plan. These can enable you to reduce your monthly outgoings to a more affordable level. A 3rd Party negotiates with your creditors to accept reduced payments and where possible to accept freeze interest/charges. Debt Management plans and advice are offered by Charities including CCCS, Citizens Advice Bureau and PayPlan and from a number of commercial companies including Harrington Brooks, All Clear Finance, Baines & Earnst and Gregory Pennington. Your creditors may also accept a repayment proposal if you contact them direct. The key to solving your debt problems is not to bury your head in the sand. Don't ignore calls and letters from your creditors and if you are unable to cope seek help. Additional advice on becoming debt free is available at debt free.

         
    The way of use statute of limitation of debt to your advantage

     

    : The debt collectors do not have an indefinite period to keep on try to meet payments of old debts. There is an "expiration date", called the decree of the limitations, which prevents the debt collectors and/or the original lender, to continue you for the remainder of your life on old debts. Before you advance and introduce a payment on an old debt, check to be sure that the statute of the limitations did not expire. If the expiration date passed, you can be protected by law and irresponsible for this debt. . Use the Statute to fill your Need. The statute of the limitations leaves for the date the "activity passed" in the account, according to the displayed thing in its report of the credit. It is not always the date last of his payment. If you one communicated with the collector beyond the date, you made the payment, and bought up to date your report of the credit to demonstrate that the new date as it goes again to the passed activity, the statute of the limitations will begin to leave this date. . At times the statute of the limits expired but the collection agents follow their efforts meeting because they hope that the indebted ones do not know to the statute and that that will pay with enough threats. If they are certain 100% the statute of the restrictions expired, they can simply overlook them. If a lawsuit against you is contributed, you will have the justification because the term expired for the debt recovery . If you write an agreement of payment, speak with the collectors or promise to carry out a payment; you will restart the statute of the limitations at the day one! The Way to Know Your Statute of Limitations. Each one state has one singular period of time which one allows collectors to continue the recovery of old debts. Examine the statute of the restrictions on the debt to ensure your statute of states of the restrictions. Maintain in the spirit if you move from one state to another, the debt collector can try to restart the statute of the limitations for the new state; or prolong time under the terms of the laws of the new state if they precisely prove to be longer! .<>br

         
    Things to know before choosing a debt settlement company

     

    : When you are looking to get relief from your debt problems, a lot of people tend to feel that the only good solution is to go about getting credit counseling or to even file for bankruptcy. What a lot of these people do not realize is that there is a little known about process that is known as debt settlement. The goal of debt settlement is to allow you to not only meet the requirements and needs of your creditors for less than what they say that you owe them but to also save you as much cash as possible throughout the process of it. One of the many reasons why a lot of people choose a debt settlement institution is because their amount of debt amounts are highly out weighing what they are capable of managing in order to back the full amounts to avoid having to file for bankruptcy. Another reason as to why a lot of people choose to go about a debt settlement company is simple because they are way too fed up with the credit card companies because they are constantly increasing the interest rates to unfair advantages and they refuse to lower it no matter how much you try and get them to. However, the absolutely number one reason as to why people choose to utilize a debt settlement company is to relieve the burden of being in debt. The burden of debt becomes such an overwhelming thing that their biggest goal is to become debt free and as a result it outweighs the thought of what could happen to their credit profile if they do not act upon it immediately.

    This is why the debt settlement process is something that is gone after when trying to accomplish the goals of getting out of debt and staying out of debt. It becomes absolutely needed to eliminate your debt before trying to improve your credit score. This is because thirty percent of your score is determined by your debt to credit ratio so if you happen to have a lot of outstanding debt your score will be a lot lower than it should be which as a result can hinder your chances of getting anywhere financially.

    Your credit profile is a good indication of your history in terms of payments and late payments and such but it is one hundred percent possible to improve your score over a period of time because in the United States everyone gets a second chance at doing that. Banking and financial institutions would love to keep you locked into the state of mind that your credit score is the absolutely most important thing in your life. Do not get suckered into feeling this way because it's their way of fearing you into doing things their way. It is by all means an important part of your life but in no way should you allow it to dominate your life and make it so that it is the only thing that you care about. These financial institutions do not really care about you; all they care about is making more money.

    Why else would they raise your credit limit on your credit cards in order for you to charge more things to it? It is because they know that you are likely to fall into some sort of debt like most Americans and as a result they will make more money off of you and your debt. When you are looking about the different options and as debt settlement comes to pass you realize that it is your choice to become debt free. There are typically two different types of companies that can help you in becoming debt free over time. The first one is the type of Debt Settlement Company that you see advertised everywhere that happen to not be lawyer based.

    The others are law firms that happen to have a debt settlement service as one of the things that they offer to people. When you are searching for a debt settlement company there are some important things that you really do need to consider before choosing the right one that will help you become debt free. There are even some things that you should steer clear from if you want the best possible help for your current financial situation. The first thing that I would like to point out is that any of these companies should be able to save you at least half of your debt including the fees that you have to pay and the paying of your creditors. While on your own you can typically save around half of that without too much effort on your behalf, getting any more relief than that will require a fair degree of experience that you do not have.

    One thing you need to be aware of when attempting to speak to someone from any debt settlement company is that you should always do your homework first. There are some companies out there that just want to make as much cash as they can off of their clients without any true regard for their own problems. These people say just about anything that you want to hear in order to get you signed up with their programs.

    One way to see through all of the best is that some of these companies will tell you that you can set up a monthly payment for any amount that the client wants. This payment will usually be quite low and for a lot longer period of a time that many of the more reputable companies will allow you to have. This obviously will remove the purpose of what you are trying to accomplish because the longer the period of time you have to pay off a loan the more interest that will pile on and the more you will end up having to pay back as a result.

    When you are looking about the different options and as debt settlement comes to pass you realize that it is your choice to become debt free. There are typically two different types of companies that can help you in becoming debt free over time. The first one is the type of Debt Settlement Company that you see advertised everywhere that happen to not be lawyer based. The other is law firms that happen to have a debt settlement service as one of the things that they offer to people. A lot of people get into the mind set that there is a magic way to fix any of their problems quickly.

    These bad companies understand this need and typically are very good at catering to that and as a result sign up thousands of people on a yearly basis. Be careful of what they tell you because at first it may sound like a great deal but they do not usually include how much it will cost you in the long run. The first thing that you need to ask them is if their claim of savings includes their companies; fees or not. You should also make certain that you have a realistic time frame for paying back your debt. There is a huge benefit in going with a debt settlement company in that you can become debt free in a short period of time instead of paying the minimum payments to your creditors which with interest takes quite a long period of time to finish up. You should most definitely pick a debt settlement company that is going to focus on getting you debt free in two or less years only.

    This is because by stretching your payment plan further than three years time you will never get the full benefits that you are seeking out due to increasing interest piling on. The longer the program is that you sign up for the more debt you will end up having to pay out of as a result of it. You should also make certain that the collection calls will be stopped from being made. One of the bad aspects of these debt settlement companies is that in order for your creditors to be willing to let you pay less you are going to have to fall behind on your payments to them. As a result of this you will end up getting several calls from collection agencies.

    This can be very annoying and just straight up aggravating. So when it comes to getting these calls stopped the only way that you can legally get them to is by having a lawyer from the debt settlement company to represent you. As a result of this they must contact your lawyer or they will be faced with a law suit otherwise. If you are told from your debt settlement company that you can have these calls stopped to make certain that they have a lawyer to aid you in this. By law a collection agency does not have to deal with the debt settlement company unless they provide you with an attorney. If they tell you to just send a cease and desist letter to the collection agency, be careful, because you will leave them with no option but to serve you with papers to appear in court and as a result could end up being sued.

    You need to make certain that the company you go with is a reputable one. To start with you should check out the better business bureau to see if they have any negative comments regarding their business practices. After this you should consider how long they have actually been in business as a general rule of thumb is that a company that has been in business for over ten years in good standing should give you some sense of peace in knowing that they know what they are doing and have helped a lot of people in the years past. If the company you go with is only a year or two old be wary of this because there are lots of fly by night operations that sign up lots of people knowing that they are not going to be able to help them just to get the collection fees and when that is over and done with they close up shop and start a new company.

    If you end up going with a law firm you should obviously make sure that they are registered with the state bar association. If you have a problem and complain, they could lose their license, so it is in their best interest to help you if you go with them and do the best job that they can do for their clients. The warning signs are pretty obvious because if a company has a poor record with the better business bureau it would be best to stay away. If the company is fairly new be sure to do your homework before going about getting their services as it would be in your best interests. Even though debt settlement is a very smart way to go about getting out of debt just like anything you need to be careful with the place that you go with.

    If you read this guide carefully you will have a leg up and know how on how to choose the best possible company that can help you and your situation. You too can soon be out of debt completely and have a huge weight lifted off of your chest. Debt management plan at EzConsolidation is designed by debt settlement experts to help those individuals that have piled on a fair bit of debt to relieve the burden of multiple bills and to allow them to focus on budgeting and managing their lives.

         
    Things to look for with a christian debt consolidation company

     

    Christians are basically uncomfortable with the idea of having any form of debt. To them, having any form of debt tends to lead to situations that will worsen with the passage of time. Debt is a big hole, and to them, this debt hole increases with the passage of time. There are some Christians that feel that it is unacceptable to owe money to anyone, even for fundamental uses like mortgages and automobiles. On the contrary, there are many Christians who feel that it is excusable to incur some debt for one's living expenses, just so that the debt is not too excessive! So to cater to the needs of Christians who do end up in debt, there have recently been many debt consolidation companies and credit-counseling firms propping up who specialize in helping Christians with their problems of debt. These Christian debt consolidation companies are usually run by Christians as they are well aware of the feelings and concerns of Christians. These organizations help their clients establish a debt repayment schedule while keeping their sentiments in mind. There is also Christian debt consolidation companies that provide spiritual counseling to their clients to go through various issues related to debt. Most of the Christian debt consolidation companies are non-profit companies that have an aim of helping their fellow Christians come out of debt. Their main intention lies in ridding all Christians of debt. However, it is always better to check on the Christian debt consolidation company to find out if their services are really for free or not. This is because there are many companies out there who claim to offer free service, but instead, charge a fee that is included in the monthly payment you have to make to them. After going through the different Christian debt consolidation companies, you could ask for quotes from the independent Christian debt consolidation companies. Of course, you have to choose the Christian debt consolidation company that offers the best quote that fits your budget and your needs. Once you have chosen the Christian debt consolidation company you wish to work with, the company will send one of their consolidators to you. The consolidator will assess your financial situation, and approach your creditors to negotiate for a lower interest rate to all your prevalent loans. They will then make you a Christian debt consolidation loan that is of a longer term, giving you more time to pay the loan. The main benefit of a Christian debt consolidation loan is that you will be allotted a large loan, to pay your multiple loans. You have to make a single payment to the debt consolidation company, and it is the job of the Christian debt consolidation company to make payments to your creditors. Another benefit of a Christian debt consolidation loan is that you are rid of facing the hassles and telephone calls from your creditors every month. It is the Christian debt consolidation company that handles all this.

         
    Things to look out for before you take up a debt consolidation loan

     

    : You are in debts and have decided to start afresh with a debt consolidation loan. At this time, the last thing you need is unfavorable terms that will keep you in debts for even longer time. Be sure to check out the following aspect before you commit and finalize your debt consolidation loan. Upfront Fees Small upfront fees like processing fee are common in most debt consolidation loans. Avoid loans with expensive upfront fees and companies that offer to charge you large commission to help reduce your debts. Interest Rate Your interest rate should be much lower than that of your credit card rates. A debt consolidation with high interest rates will only slow you down in clearing your loan off. Get and compare as many loan quotations as possible. It would be best to get a fixed interest rate loan such that your monthly payments do not change over time. It will be easier for you to plan your budgeting. Repayment Period Your loan repayment period should not be too long as it will increase the amount of interest paid. You can even find yourself paying more than before you consolidate your debts. As far as possible, you should aim for the shortest repayment period to save you on the interest. Try to work out a repayment period and amount where you can manage. Effects on Credit Rating Understand your debt consolidation loan procedures before you sign your loan. Ask if it is going to affect your credit rating and scores. Avoid lenders who are not clear on the issue as these are most probably the ones that will mess up your credit rating. Local Consumer Affairs or the Better Business Bureau It is in your best interest to check out the reputation of the company that you are working with. You want to avoid working with someone who receives tons of complaints. Check you with your local Consumer Affairs or online with bbb. org/ to see if there anr any outstanding issues with your lender. With all the above factors considered, you should be able to find a good debt consolidation loan to help you regain a debt-free life.

         
    Things you must know about free debt consolidation services

     

    Passing through a phase of debt in your life will prove to be a rather tedious and strenuous period. There is lots of stress involved in ridding yourself of debt. You may feel the need of some support from someone to come out of debt safe and sound. This is the reason the free debt consolidation services prove to be rather inviting and helpful to you. However, there is more to these free debt consolidation services than meets the eye! Basically, a debt consolidation loan is a single loan that is used to pay for your multiple loans. Here, instead of making numerous monthly payments to your creditors, you have to make a single payment to the debt consolidation company, and it is they who will pay your creditors on your behalf. With this, you can avoid the hassle of facing the creditors every month! However, be aware of some companies that collect money from you to end up never paying the creditors! There are some black sheep amongst free debt consolidation companies that do such things, and thus spoil the repute of debt consolidation services in general! When a company advertises free debt consolidation services, don't get misled by the word 'free'. Remember, you can never consider yourself free with a debt consolidation loan as you are still in debt! These companies may claim to offer free services without any fees, but they usually make up for these free fees in your monthly payments. You can get debt consolidation services where the consolidator will study your financial situation and then approach your creditors to negotiate interest rates. They will negotiate on lowered interest rates, and for a longer period to repay your loan. Your creditors are more than likely to agree to this arrangement as they will definitely prefer receiving some payment from you, instead of getting no payment at all! Though some debt consolidation companies like Christian debt consolidation may charge you for their services, the charges will definitely be lower than the fees charged by for-profit debt consolidation companies. The reason the debt consolidation services can afford to quote reduced fees is because they are subsidized in part by creditors. This is why they only charge a flat monthly fee from you. Besides offering debt consolidation loans, these debt consolidation companies help people get their credit under control by offering sound financial advice. It is usually people with poor credit that choose free debt consolidation services. This is because the debt consolidation company can take the risk of helping a person with bad credit. They receive healthy subsidies from creditors and thus are not that worried about the occasional missed payments. However, when approaching a free debt consolidation service, make sure that the company is a reputed one to avoid ending in massive debts! Always get quotes from different debt consolidation companies, to compare and decide which company actually offers debt consolidation services. It is always better to read between the lines of any agreement you sign with the company, to avoid future misunderstandings.

         
    Tips on getting a good deal on low interest debt consolidation loans

     

    Falling in debt is a very painful process of life, which practically every one falls into at one time or the other. Sometimes, you may not know what to do to get out of debt; it is in such conditions that it is better to approach a debt consolidation company for a debt consolidation loan. A debt consolidation loan is a loan that replaces multiple smaller loans wherein you make a single payment to the debt consolidation company. This loan is usually for a longer period, and at a lower interest rate. The main advantage of a low interest debt consolidation loan is that instead of having to face numerous creditors every month to make their monthly payments, this job is handled by the debt consolidation company. They will pay the individual companies their payments with the single payment you make to them. There is huge competition among debt consolidation companies, on who provides the loan at a lower rate. So to get a good deal on a debt consolidation loan, you have to first calculate all debts, and interest, incurred by you. With this, you can decide which debt consolidation loan is offering a lower interest than the interest rates of the loans you already have. It is important to place some collateral for a debt consolidation loan, like a home, car, and vehicle. However to get a low interest debt consolidation loan, it is better to offer a property with a higher collateral value. The lender is sure to offer you a lower rate with the high property placed as collateral. When the amount you borrow is lower than the collateral, the lender faces a lower risk, and will thereby be ready to offer you a low rate debt consolidation loan. Avoid borrowing more money than you need. This only increases your debt, and will bring you a higher interest rate! And try to opt for a short repayment schedule for the debt consolidation loan. Repaying a debt consolidation loan can possibly to take a long time of up to 30 years. However, the longer the period, the higher the interest! Approaching small finance companies for a debt consolidation is another strategy to employ to get a low interest debt consolidation loan. This is because as they are usually startup companies, they are always on the lookout for new clients, and are ready to quote low interest rates. Once you decide on the right debt consolidation company offering a low interest debt consolidation loan, counselors will be sent to you to access your financial position. Once they get an idea of all your loans and creditors, they will approach your creditors to negotiate for lower monthly installments and interest rates. The creditors usually oblige to this as they consider a lower payment is better than no payment at all! Some debt consolidation companies may charge a fee for these services, while some do it for free. Then once the creditors are all approached, and monthly payment set upon, you just have to pay the company and they will pay your creditors on your behalf!

         
    Tips to avoid getting into debt

     

    While many articles and books have been written to help you once you're in debt, very few have been written about how to avoid getting into debt in the first place. Many people choose to go to credit counseling only after they're on the brink of filing for bankruptcy. If you want to be successful financially, you have to first learn how to do things before the fact, not after it. In this article I will show you some common sense things you can do to avoid debt. Teaching Personal Finance At Grassroots Understanding the importance of personal finance is a key factor in being successful in life. It is hard to do much of anything if you are unable to manage your money. Most highschools today don't teach teenagers the importance of finance despite the fact credit card companies will mail them cards upon their graduation. I believe this one of the reaons why the average American family today owes about $10,000 in credit card debt. They simply do not understand how to manage their money, or they lack the discipline to do so. Save For Your Luxuries – Don’t Borrow The first step in avoiding debt is to simply not borrow money. If you want something that you can't afford to pay for with cash, you probably don't need it. If you really want it, you should save up your money and buy it. By doing this you will become disciplined and stay out of debt at the same time. It is easy to get a credit card or a loan to buy something. It takes discipline and hard work to save up enough money to buy it. Saving money has always been a simple path to building wealth. The more money you save, the wealthier you'll become. Do You Really Need The Latest Tech Goods? Many people are distracted by the bells and whistles of the many electronic products which flood the market today. Many people fail to realize that the digital camera or Ipod you pay $200 for today won't be worth anything tomorrow. Electronics almost always depreciate in value. Why go out and use a credit card to buy expensive electronics when they will lose their value after they're purchased? Cut Out The Middle Man One way to effectively mangage your money is to develop a wholesale mentality. When I say this I mean that you should consider not paying retail prices for electronics, furniture, or other goods. You should think about paying wholesale prices for these goods rather than retail, especially if they depreciate in value. Instead of going to the mall or furniture store to shop for clothes or furniture, why not go to a clothing outlet or thrift store? The Freedom Of Being Debt Free Many people become wealthy and debt free by simply saving their money, paying wholesale prices for goods, and placing some of their savings in safe investments like IRA accounts. They often will only have one credit card if any, and the amount of money they have saved up will be much larger than the balance they owe on their credit card. This is the real secret to wealth. The get rich quick schemes and late night infomercials are disinformation which will not give you true answers. Don’t Be Another Sheep! Avoiding debt and maintaining good credit is another key of financial success. It is important to understand the 80/20 principle when dealing with personal finance. You will want to avoid doing what 80% of the population does. Most people owe tens of thousands of dollars on credit cards, student loans, or car loans. Others use payday loans between paychecks to make ends meet. This puts them in a cycle of debt which will keep them from ever becoming wealthy or retiring in comfort. The credit card companies and banks continue to make billions while most consumers are getting further into debt.

         
    To consolidate debts or not

     

    Admittedly, among debt programs, debt consolidation has the most differing reputation. On the one side, it is the best debt management program. But still, there are some that advise to steer clear of consolidating debts as it would only lead to worse debt problems. Despite the many debates, the question remains if it can really put an end to debt problems or is it just the start of a new cycle of debt. Finance experts agree that the first step to determining the truth about debt consolidation is understanding its role in managing debt. Debt consolidation is rolling all smaller separate loans into a single larger loan. This comes with a lower interest rates and a longer payment term. In effect, debt consolidation allows debtors to write a single check for paying the larger loan instead of writing different checks for different loans, hence, reducing total payment per month. There are also different ways in consolidating debt, and the most popular is transferring debts into one credit card account that has lower interest. Equity loans are also an option for debt consolidation. This is easy as most banks offer equity loans for homes, especially if the debtor can prove that he is capable of making regular payments. There are also lending companies that offer consolidation packages. However, all these options have drawbacks. They usually ask for processing fees and may have higher interest rates compared to the interest of the separate loans. Lending companies and banks might even require that the debtor put his house or any valuable property as collateral. Debt consolidation, in this perspective, draws up a lot of advantages. It makes for easier payments, lower monthly dues, and at times, lower interests in the total consolidated debt. However, as with most debt programs, debt consolidation, as debt management option also has its disadvantages. First, in putting houses up as collateral, the debtor runs the risk of having his property foreclosed, in the event that he can't settle his accounts. Also, if there is a longer term for payment, the total interest for the consolidated loan is possibly higher even if the monthly interest is significantly low. Therefore, the debtor does not really save more money but actually pays more money. Aside from these, the longer terms of payment would have the thought of the debt hanging over the debtor's head for a longer time. Joel Greenberg, a finance executive, advises debtors not to be blinded by the myths about debt programs, debt consolidation, or debt management promos. To identify the advantages and drawbacks of using these programs, Greenberg strongly suggest the use of calculators or debt management software to determine what option would be betterputing the total payments and interest of both the individual loans in comparison with the consolidated loan will give you a clearer picture of your financial situation. Getting swayed by false advertisements is not a good way to save your credit and property.

         
     
         
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