Debt Consolidator

Archive for March, 2010

I’m doing this right now. It’s best if you have or can get a low interest rate loan and pay off balances all in one spot. Debt consolidation companies ARE NOT necessarily the best way to go. Some creditors will not work with these companies. Also, it can reflect negatively on your credit report.

I recently transferred two of my three credit card balances to one loan, then cut up the cards. Now, I’m making two payments instead of four, and it had helped a lot.

I’d say talk to several credit counselors for ideas. Read a lot of websites. There are plenty out there.

Good luck to you!

Loan consolidation is a purely financial act. It has little, if anythin to do with divorce other than to put all of your debts into one payment package. A good first step in a divorce is trying to work out the differences in your marriage. Get a third aprty, a counselor or therapist to act as an intermediary. Divorce can be very expensive, but it is also a very emotional act. You should try to find some common ground with your spouse. Maybe it can work.

Debt consolidation for Canada – consolidate debt, credit cards and loans to become debt free. Credit counselling Canada. Serving all Canadians from its head office in Vancouver BC. Get help and advice for financial problems. Call…604-435-7800

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In order to get out of debt on a teacher’s salary, the teacher in question needs to be smart about things and employ the debt roll down method. Find out how to pay off debt one card at a time with help from the owner of a debt negotiation company in this free video on debt and money management.

Expert: Peter Repak
Contact: www.ClearFinancialCompany.com
Bio: Peter Repak has been in the debt settlement business for over half a decade. He and his wife founded the Clear Financial Company.
Filmmaker: Christopher Rokosz

Duration : 0:2:18

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Re-mortgaging and home equity lines of credit or (HELOCs) are a couple ways to consolidate credit card debt. Learn about re-mortgaging and HELOCs from a registered financial consultant (RFC) in this free personal finance video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:19

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In addition to my student loans, I also racked up some credit card debt while in school. I know its probably a long shot, but can you place that in when you consolidate? Just wondering. Thanks

here are some search results.Good Luck.

http://www.yabloog.com/consolidate_credit_card_debt_into_a_student_loan.html

We have a ton of debt (who doesn’t?) and I want to start paying, but I am looking for a good program that can help me budget more than just meeting the day to day expenses when we already live paycheck to paycheck.
I wanted to add that we don’t have ANY credit cards- we either use cash, check, or a debit card to make purchases, and we don’t have a savings, so when the money is gone, its gone!

The best program I can recommend is the one my wife and I are on. It is called the Total Money Makeover by Dave Ramsey. More on that below.
First, Do not use a debt CON-solidation outfit. They are A. mostly scum. B. won’t do much more than you can do yourself. and C. go on your credit report.
You can do this yourself. You just need to be strong. One person that can help is a guy by the name of Dave Ramsey. He can be seen on the Fox Business Channel and heard on the radio. Go to www.daveramsey.com to find stations and times.
Dave has a book I highly recommend you read. The Total Money Makeover. My wife and I ran across him on TV one night and started watching. After about a week of this weird guy on TV talking about dumping debt and not using credit cards, we looked at each other and said, this guy really makes sense. I went out and bought the book and read it in 1 day. I felt like I got hit in the face with a bat after realizing all the dumb things we had been doing with money. What an eye opener! My wife read the book the next couple of days and she felt the same way. Since then we have been on his plan. If you are married, make sure your husband reads it as well. You have to have buy in from both sides if this is going to work. If you save every dime and your spouse is out spending freely, it won’t work. You have to get mad at your debt and it sounds like you are at that poing. This includes making a budget and sticking to it. That is the whole key. We have changed our spending habits. The toughest part of the whole thing for us was, looking in the mirror and realizing what big idiots there were looking back. It will show you how to build an emergency fund, prioritize debts and start paying them off, saving for college, investing, insurance…..etc.
Like I said above, this has really helped our family tremendously in just a short time. We started in November. We had a CASH Christmas. Nothing on credit cards and have since paid off both cars ($800/month) almost a year early. We stopped going to restaurants, bars, movies, vacations, etc. until we are out of debt. We stopped buying garbage we wanted and only buy things in our budget that we NEED. By not going out to eat, we save about $600/ month which we now apply to our debt. That $600 combined with the $800 we save on not having car payments is a good chunk of change to pay on all of our other debts. It was not easy to change but once we started seeing the results, we know we are on the right track. I know this sounds like a commercial, but We are very passionate about this program. And the best thing is that once our eyes were opened to our stupidity, we know we do not need debt Consolidators. We are doing it ourselves and winning, and it feels great to win. We now tell our money where to go every month instead of wondering where it went. It will be tough at first but stay strong. Imagine how you will feel in a couple years when you are standing on the other side with absolutely no debt. Pretty cool, eh? The journey of 1000 miles begins with the first step. Sorry, This got kinda long.
It sounds like you are in the right frame of mind to get things started. I wish you all the best in your journey.
Good luck.

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To consolidate debt is a great idea with a trap built into it. The technique described here helps everyone in debt, but if you have an ongoing credit card debt you desperately need this article. * Part I Don’t get into debt. Ways to avoid it. * Part II The big advantages of student loan consolidation * Part III This article The Trap When you consolidate your debt, will you celebrate your freedom from credit card debt by going out and buying more on your credit card? Do you really want to live your life in debt, or would you prefer to take charge of your finances? It’s too easy to consolidate debt. If it hurts to get rid of your credit card debt you’ll find it easier to resist getting into debt again. Are you getting married? If your partner likes to live in debt, and you want to become a millionaire, who is going to give way? Most divorces are caused by money arguments. Discuss it before you marry. You should consolidate debt if you have no ongoing credit card debt. The trouble when you consolidate debt is that the whole thing loses immediacy when you have thirty years to repay. List your debts Make a table showing all your debts, the amount still owing and how much you pay per month. Call the last column “Damage” and calculate it by multiplying your repayments by a hundred and dividing by the amount that you owe. $20K.
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