Debt Types

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A Complete Guide to Debt Management Solutions
debt types

In today’s economic crisis, debt management is a savior for all debtors. However, the concept of debt management is vast and includes various types of services. Knowing the types of debt services will help you chose the right service for managing your debt.

Per a recent analysis, in 1980 consumer expenditures were 65% on average in the US, but today it’s a whopping 110%! With the economy showing no leniency and expenditures growing leaps and bounds, many consumers are falling prey to debt and bankruptcy. However, debt management helps consumers manage their expenditures effectively and become debt-free. Debt management solutions cover many services. Some of the more prominent ones are discussed below.

Many consultants offering debt reduction services are non-profit, which means they charge very reasonable fees. If you are looking for a quality service at very nominal fees, this one is for you.

Paying off holiday debts is a headache for many, but there is a debt management service exclusively meant for holiday shoppers. While planning your holiday pay-off, it is suggested that you pay off higher interest credit cards first and transfer balances to lower interest rate credit cards. If your company offers a Christmas or year-end bonus, it would be wise to save a significant amount to put towards holiday debt payments.

Consolidated loans have lower monthly interest rates and longer time periods. It makes sense to choose these to pay off higher debts. However, you have to be disciplined about your expenditures so as not to fall prey to some other bigger debt again.

An important thing about credit card bills is to pay them on time. A delay in one payment might increase the interest on other cards as well.

Most often we fall prey to debt because we do not know how to follow a budget effectively. That’s why many service providers offer educational programs where they make you aware of debt and show you how to control your budget so as to avoid debt situations. These programs are inexpensive and in many cases even free. This type of debt help service is very useful because they also help you stay out of debt in the future.

debt types question by patricia k: where can i find the average # for a particular financial ratio within a given industry?
looking for the average industry # for accounts receivable turnover and number of days sales in receivables for the industry or “type” coca cola corp. would fall under or website where i could locate the industry averages regarding financial ratios particularly the two above as well as profitability, debt management, and solvency ratios

debt types best answer:

Answer by gls_merch
Unfortunately, you probably have to make these calaculations on your own based on collecting the financial data from the various companies in the industry. While relatively easy to calculate, these are not commonly reported (especially the days receivable) by individual companies. The financial ratios, especially debt-related ones, are more likely to be aggregated by a financial website or even reported on the company website. Even then they are not averaged accross an industry.

Bankruptcy Basics

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debt types

There are 5 basic types of bankruptcy cases used to obtain relief from debt. Learn the differences in debts discharged, assets kept, forms needed, where to file, and more.

Bankruptcy Basics

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