Debt Consolidator

http://www.DebtReliefVideos.com This free video series focuses on credit card debt relief using Credit Counseling, Credit Consolidation, or Debt Settlement to achieve debt reduction, consolidate debt, and avoid bankruptcy.

http://www.DebtReliefVideos.com helps people who are struggling to pay off credit card debt, medical bills, or other unsecured debt, and are wondering if debt settlement can help them avoid bankruptcy. Many people are seeking reliable information about their debt relief options from a reputable, trusted, debt reduction expert with real experience.

http://www.DebtReliefVideos.com offers a free 10 video Credit Card Debt Relief series by Sonia Hawkins, a Certified Debt Specialist, who answers her clients’ most frequently asked questions. Since 2006 Sonia has helped over 1,000 clients with over $30 million in total debt. She especially looks forward to seeing YOU on the road to being debt free!

Sonia will personally answer your call and your questions at (800) 864-4120.

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http://www.cpa-financial-debt-strategy.com – Using a Credit Card Debt Relief Company?

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Debt consolidation is a tool that many people use when they are trying to get out of debt, usually when their back is against the wall and they have become desperate. Dr. Cabler explains how debt consolidation works and why it is a bad deal PERIOD!

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I have great credit, but a little to much debt. I would like to consolidate my debt without hurting my credit to bad. I would like to be able to pay less than what I am paying now. Paying for many years does not bother me, some of us can only make it with payments on everything (that’s me, the world is to hard and expensive today). Does anyone know a good place to go with?

DO NOT FALL FOR HOME EQUITY SCAMS unless you want to lose your home or end up in bankruptcy..

If you have "excellant" credit, get another credit card. They usually come with balance transfer offers that are free, with 0 or low interest rates for 6 months. Transfer the balance for higher interest credit cards there. Additionally, as long as you have good credit, most cards have offers of lower interest for balance transfers – look for the "until paid" low interest rates – usually 3.99 to 4.99 percent – but make certain it stays at that rate and doesn’t change.

The secret to doing all this, though, is to quit spending on credit until you pay off your existing debt – this means boing frugal. There is no sense in transferring your existing high interest credit to something lower if you’re just going to run up more high interest credit!!!

Also, your statement "Paying for many years does not bother me" is frightening though, as it means you do not understand anything about money.

The best way is to PAY OFF your debt and DON’T refinance the house. Why would you put your house on the line for what is currently unsecured debt?

I m is about to take debt consolidation. I know the advantages of it but i want to know the risk too of it . Please tell me your experience also it will plus point for me

Cons:
Get Into More Debt. It may be tempting to continue to use the credit cards that you’ve paid off. This is one of the reasons why debt consolidation is not a cure for credit problems. In fact, it could actually make problems worse, by allowing a person to get into more debt than they started with.

May Cost More Overall. Even though the monthly payments and interest rate might be lower, you can end up with a longer-term loan in which you end up paying more interest in the long run.

May Take Longer to Pay Off. If you don’t end up using the extra monthly savings to pay off your loan (and perhaps even if you do), it could take you longer to get out of debt.

Could Lose Your Home. If you go the route of a home equity loan, the lower interest rate that comes from listing your home as security might not be that beneficial if you default on your loan and lose your home.

One Payment. In some cases, it can be beneficial to pay off smaller loans with higher-interest rates first. You don’t have that option if you’ve lumped all your debt into a single loan.
May not Qualify for a Loan. It’s possible that with so much debt, you may not qualify for an additional loan. Or, if you do qualify, the interest rate might be high.

Disreputable Debt Consolidation Companies. Not all non-profit debt consolidation services are looking out for your best interests. Make sure you read Debt help that isn’t – some companies may be downright scams.
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http://my-credit-card-debt-consolidation.com – This totally free debt strategy has helped million’s of people achieve debt freedom. It may help you as well? I really suggest you down load the e book from the form on your right, it helped me achieve credit card debt consolidation, sooner than I thought possible. We know that it’s good to consolidate credit card debt. In fact, the first step to solving your credit card debt is to consolidate.

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The first thing, really, is to keep your eyes and ears open. There are always a number of credit card debt consolidation offers available for you to choose from. http://www.cpa-financial-debt-strategy.com

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Technorati Tags: christian credi, credit card man, credit repair s, free credit cou

What the title says. I want to consolidate less than $10k in debt but my credit isn’t so hot. I can’t pay all these different companies anymore and need some help. Does anybody know some legit non-scam companies I can apply to? Thanks.

What keeps most people in debt is the fact that they keep spending more money than they make. They look at the "monthly payments" instead of the total debt loan that they are carrying. People need to stop spending now and concentrate on becoming debt free. Please do not consolidate or use a debt reduction company . It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score. Or they negotiate your debt down after telling you not to pay for awhile adding another hit to your credit score. Student loans are the only debt that can garnish your wages for non payment without taking you to court first. Just list them out on a piece of paper or a spreadsheet and follow the plan. If you work the plan, the plan will work for you.

A. Have a garage sale and sell anything that you no longer need or want.

B.Get a temporary part time job, if you have one, get another.

Here is a plan that can help you. If you work the plan, the plan will work for you:
1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an "emergency fund" category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make.

2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for "fun" to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.

5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.

You can do it and it isn’t as hard as you think. Just follow the plan

Bankruptcy’s stay on your credit for up to 10 years. A debt consolidation loan is just more credit, and stays on your history up to 7 years since closing.

Stay away from consumer credit consoling services. They also stay on your record for the 10 years but look worse than a bankruptcy.

Ex: Bankruptcy means you fell on hard times and had to take drastic measures to get back on your feat.

Credit Counseling usually shows you were unable to handle your own finances and had you had someone just show you how, you would have been alright.

Both of those are just my assumptions from talking with many different credit companies.