Debt Consolidation
This page has the debt consolidation tips and resources so that you can get the best debt consolidation option for your situation so that you can save fast. Debt consolidation is when you consolidate multiple lines into one new loan or debt consolidation program - it typically involves a debt consolidation loan, but could also be referred to as a credit counseling program or other forms of debt resolution that do not involve a new loan. It is important that you know what your options are and what your goals are before choosing a debt consolidation program or company. This page has all the debt consolidation resources you need to understand how debt consolidation can work for you and select the best option for you. We even have a Debt Consolidation Savings Center that can help you find debt consolidation providers.
- How to Increase a Credit Score
Increasing a credit score can be done by making payments on time and keeping credit balances 30 to 40 percent of their overall limit. Enjoy a higher credit score by not closing out smaller credit cards with tips from a certified public accountant and credit counselor in this free video on debt management.
- Debt Consolidation Pros & Cons
There are both pros and cons to debt consolidation. Learn about debt consolidation from a registered financial consultant (RFC) in this free personal finance video.
- How to Write a Debt Negotiation Letter
When writing a debt negotiating letter, a person should tally up what is owed, come up with a reasonable amount that can be afforded, and be specific on when a payment can be made. Avoid putting oneself into greater debt by trying to make too large of a payment with help from a business analyst in this free video on financial planning and debt management.
- Raise Credit Score
Better credit leads to better interest rates and a raise in credit score. Learn about raising a credit score from a registered financial consultant (RFC) in this free personal finance video.
- Using Grants to Consolidate Debt
A grant is issued by the government and can be used to pay off debt, but the person in debt must show a need for a grant. Get a government grant to help overcome unemployment or illness with help from a business analyst in this free video on financial planning and debt management.
- How Does Debt Relief Without Bankruptcy Affect Your Credit Rating?
Debt relief without bankruptcy is important because bankruptcy puts a black mark on personal credit. Use debt consolidation instead of declaring bankruptcy with help from a business analyst in this free video on financial planning and debt management.
- What Is the Best Way to Get Out of Debt?
The best way to get out of debt is to come up with a monthly plan of attack by making a list of all bills, writing down how much is owed along with the interest rate and chipping away slowly at the smallest bill or the bill with the highest interest rate. Create an organized plan, setting aside money each month for bills, with advice from a licensed financial planner in this free video on personal finance.
- How to Pay Off Chapter 13 Debts
Paying off Chapter 13 debts is done by coming up with the agreed upon pay-off amount, which can be payed over a period from one to five years. Eliminate Chapter 13 debts with advice from a licensed financial planner in this free video on personal finance.
- How to Avoid Credit Card Debt
In order to avoid credit card debt, a person should get a MasterCard or Visa and stay away from store credit cards. Stay away from buying frivolous items with credit cards with help from a business analyst in this free video on financial planning and debt management.
- Ways to Reduce Debt
There are many ways to reduce debt. Learn strategies to reduce debt from a registered financial consultant (RFC) in this free personal finance video.
- Qualifying for a Boat Loan
Qualifying for a boat loan depends on the credit score on a person's credit report. Qualify for a boat loan with tips from a consumer credit counselor in this free video on personal finance management.
- How Does Debt Consolidation Work?
In a debt consolidation, all bills are combined into one payment with a lesser interest rate. Destroy credit cards that are being paid off with help from a business analyst in this free video on financial planning and debt management.
- How to Eliminate Debt Legally
In order to legally eliminate debt, a person can use a debt consolidation loan, they could negotiate with creditors and they could declare bankruptcy. Borrow money from a lender to pay off all credit cards at a lower interest rate with help from a business analyst in this free video on financial planning and debt management.
- How to Stay Out of Debt
The simplest way to stay out of debt is to develop a budget based on what money is being brought in and what has to go out. Determine what money can be used as disposable income with help from a business analyst in this free video on financial planning and debt management.
- How Do People Get Themselves Into Debt?
High interest rates and minimum payments help to keep people in debt, as does living beyond one's means and using student loans. Find out how a mortgage represents a good debt with help from a business analyst in this free video on financial planning and debt management.
- About Debt Settlement
Debt settlement can be a tricky game, as it can save the borrower money while simultaneously creating tax disadvantages with the IRS. Understand how debt settlement works with advice from a licensed financial planner in this free video on personal finance.
- What Is Small Business Debt Relief?
Small business debt relief is a means to keep a small business in business and help them get their bills paid. Keep a small business going by consolidating bills with help from a business analyst in this free video on financial planning and debt management.
- Types of Credit
There are two types of credit: personal and business. Learn about types of credit from a registered financial consultant (RFC) in this free personal finance video.
- How People Get Into Debt
People get themselves into debt by overspending, abusing credit cards and by wanting to live beyond their means. Develop a budget to avoid going into debt with help from a business analyst in this free video on financial planning and debt management.
- How to Recover From Debt
Ways to recover from debt include creating and sticking with a budget and not incurring new debt. Get on the path to being debt free with the help of a non-profit consumer credit counseling agency with advice from a certified public accountant and credit counselor in this free video on debt management.
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