Consolidation Help

Debt Consolidation 101: Your Self-Help Program

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consolidation help

This Program will teach you how to start managing your own debt through understanding your debt. This program will also teach you about your spending habits. You will learn how to know what fees you are being charged and how to cut these fees and lower you total debt. You will learn about your interest rates, late fees, over credit limit fees, transfer fees and how you can lower these fees and save yourself money. Work Sheets are provided along with directions on how to use these Work Sheets. Yo

Debt Consolidation 101: Your Self-Help Program

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Debt Consolidation Help

Are You in Debt? Want to get out of Debt?
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consolidation help question by She Mei: what are we studying in Debt Management field?
and what are the job we might get if we take that field?

consolidation help best answer:

Answer by tmuthiah
Nothing

Debt management companies are springing up everywhere. These companies help “manage” your debt by taking one monthly payment from you and distributing the money among your creditors, with whom they’ve often worked out lower payments and lower interest. This is not a loan as with debt consolidation. Sometimes people get the two confused. However, because Americans are up to their eyeballs in debt, the debt management business has become one of the fastest-growing industries today.

Companies like AmeriDebt and Consurmer Credit Counseling Service can help you get better interest rates and lower payments, but at a price. When you use one of these companies and then try to get a Conventional, FHA, or VA loan, you will be treated the same as if you had filed Chapter 13 bankruptcy. Mortgage underwriting guidelines for traditional mortgages will consider your credit trashed, so don’t do it. Real debt help is found only in changing your behavior.

In short, debt management companies are out. Hard work is in. Change your financial behavior and change your life…for good. True debt management is about one thing – you controlling your money.

Real Debt Management
The good news is that there’s not some magical, mystical formula to good debt management. The solution is common sense and having a plan for your Total Money Makeover. Grandma’s simple way of handling money. Good debt management is 80% behavior and 20% head knowledge. It isn’t rocket science as some debt managment companies try to make you believe.