Author Archives: Charlie

Will I Be Debt Free After Taking Part in a Debt Relief Program

Many people want to know if they will be debt free after taking part in a debt relief program. This is a common question and concern. While it is important to note that individuals who successfully complete such programs will be able to overcome their current debt, it is also important to note that individuals may not be entirely debt free at the end of the program, as the enrolled individuals will often be allowed to continue to take out loans throughout the course of the program. […]

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Nonprofit Debt Relief Companies

Consolidation is nothing but the process of negotiating the rate of interest that will ultimately determine by how much the borrower’s payments will be reduced and what his overall settlement will look like. So any money above and beyond your normal payment is applied solely towards the principle of the loan. There are numerous types of debt, including basic loans, syndicated loans, bonds, and promissory notes. Debt, especially large sums of debt, can also be secured through a mortgage or other security interest over some of the […]

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Will Debt Relief Affect My Credit Rating

Debt relief will affect an individual’s credit rating. It is important to note that the more debt an individual has, the lower their credit score is likely to be. While debt relief can negatively affect an individual’s credit rating in the short-term, it is important to note that a person’s credit rating would almost always be much lower by holding on to their debt than by using the resources available within debt relief programs. By learning exactly how debt relief can affect a person’s credit rating, individuals […]

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Is A Christian Debt Relief Consolidation Company A Better Option

Many practicing Christians and others who do not subscribe to the Christian faith may have grave reservations when it comes to the idea of a Christian company that offers debt relief consolidation. Christian debt consolidation companies take the stance that their services are not only permitted by Biblical precedent, but that they are also some of the only companies that can be fully trusted in a situation where a consumer finds himself in need of debt consolidation. The big sticking point among Christians is the same one […]

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What Are The Bad Credit Debt Relief Options

If you are a bad credit rating, we have less option to resolve your debt issues. And if you are at the disparate condition to pull yourself out from debt and get rids of all the harassing phone calls from your creditors, there are a few options of debt relief for bad creditors. Consumer Credit Counseling There are many Consumer Credit Counseling service (CCCS) around to help you to solve your debt problems. You can enroll into their CCC program to get counseling on personal finance and […]

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Why Most Programs Have A 75% Failure Rate

Debt consolidation, equity loans, credit counseling, debt management plans, even Chapter 13 bankruptcy – it doesn’t matter which of these debt programs you’re talking about. They all suffer from one fatal flaw, the number one problem that causes most people to fail at eliminating their debts through these techniques. Can you guess the problem? It’s probably not what you’re thinking. It’s not the fees, interest rates, or the quality of the companies behind these debt solutions. No, the number one problem with most debt programs is that […]

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Information Network for Debt Relief Companies

Remember: Running away from your creditors is not the answer. It is not a solution, and may in fact lead you to bigger problems. If you are having trouble paying off your debts, address this immediately with your creditors. More and more consumers today find themselves in the uncomfortable situation of only being able to afford the minimum payments on their credit cards. Or, even worse, not being able to afford even the minimum payments. In today’s world, it is often easy to get in over your […]

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How Debt Relief Affects Your Mortgage Choice

The interest only loan that you have available to you today, is the same one that many Americans since the early 20’s had available to them and used. So, your grandparents, or there parents perhaps may have looked for a bit of debt relief with the interest only loan themselves. There were some differences in the loans from that time to now however. Let’s take a look at some of those differences. This may help us become better educated so we may more efficiently shop for these […]

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Credit Card Debt Relief

Credit card debt relief is what every debt-struck credit card holder is looking for. Credit card debt relief is not just about reducing or eliminating credit card debt; credit card debt relief is also about getting de-stressed. Credit card debt relief is about working for oneself and not just for the credit card debt that you have on you. Yes, it’s unfortunate but true. In fact, you can hear statements like “I have got a better job, now I can pack up my credit card debt even […]

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Some Debt Programs Offer The Option Of Debt Relief Consolidation

As time goes by, our financial needs change and some people find themselves in positions where their expenses have begun to outstrip their income. In such cases, many will consider alleviating the concerns that come with collection agencies and too much month left after the money and enroll in programs such as debt relief consolidation. Debt relief consolidation can take unsecured loans such as credit card debt, student loans, and medical bills and lump them together in one place where the interest rates are lower, the monthly […]

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