Latest Credit Counseling Debt Consolidation News

by Jill H West on Monday, March 17th, 2014 | 3 Comments

Credit Counseling Debt Consolidation

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Debt Consolidation Credit Counseling – Settle Your Debts with Creditors

Oct 21, 2011
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Credit counseling debt consolidation is offered by various companies for people facing overwhelming debt, you can not pay for what they are desperate for a fix. Even if you declare personal bankruptcy in this situation, it stays in your credit record for ten years, making him eligible for future loans.

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Debt consolidation loan agents can offer advice to the different payment options, but you have to qualify first for debt consolidation credit performance based on your credit card or the management of its scope in the past from its regular monthly income. If you have equity in the house, the counselor should be able to provide a highly paid.

Allows you to consolidate credit card debt of some parameters are evaluated according to their personal factors, such as the amount of debt you have, your current credit rating and whether or not you have equity in a home. When you have several credit cards with different amounts of debt, credit card debt consolidation is a good choice. Consolidating your credit card debt allows you to make a single payment to a consolidator instead of several small payments to many credit card companies.

Under this system, you can often get a lower monthly payment. Credit debt consolidation loan allows you to eliminate debt get so many big and small that have accumulated due to one or other reason. Under this option, a single support is used to pay all the debts of the borrower. Since the loan taken at this stage, the time is not immediately repayable, borrowers get enough time to prepare for a refund. The loan credit debt consolidation is necessary for people with bad credit history or bad.

This leads not only to the stress of life, but also internal tensions, creditor harassment, or worse may be bankruptcy. Therefore, bad credit debt consolidation loans can be a great help through this difficult time. And if your financial situation is very bad, you can always go for debt settlement or credit counseling for final settlement with the creditor. This is why credit card debt consolidation is so important to deal with questions about your credit problems and, if necessary, always seek advice and discuss their problems with the counselor, who can find a way to get rid of the debt. ANEWHORIZON is the most comprehensive resource for debt consolidation, credit counseling and debt management. It ‘just the right channels to make you finance literate and also helps you manage your finances.

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robert johnson

A New Horizon has been providing Credit Counseling Services since 1978 including Debt Management and Financial Literacy. We are celebrating… (Bio)

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3 Responses to “Latest Credit Counseling Debt Consolidation News”

Resto says:

March 17, 2014 at 8:35 am

get out of credit counseling service.

its worser to have late balances then to save up to pay it all off.

start by paying higher than minimum on your highest apr. whilst paying a minimum on your others.. try to knock out the cards with the higher interest rates

until you are way below half of your credit line in each card. if your credit limit is 5k for instance.. have a balance of 2k.

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betsy says:

March 17, 2014 at 9:04 am

The big problem is no-one can predict the future. The idea of letting the cards default for a few months, then making bigger settlement offers, would be okay if nothing ever went wrong. But if you default, let the debts get larger, and then an emergency happens and you have to use the money you’ve saved, you’re worse off. Also, the Credit CounselingService acts as a third-party, in that your creditors don’t have to just take your word that you will pay, there’s someone reliable that they can talk to. As for going no-where fast: It’s $ 10,500! It’s going to take time. If you have a better paying job, figure out how much more you are getting and have the service increase your payments.

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Jeanne R says:

March 17, 2014 at 9:12 am

Please do not do “credit counseling”, “debt reduction”, or “debt consolidation”. It will show up on your credit report like a bankruptcy. It is also not free. There is a charge for the company to do it, they will negotiate with the creditors to either take less than you owe (another “ding” on the credit report), or to space the payments out for a longer period (which will cost you more in interest payments), and it will just take longer for you to get out of debt. I would cancel the subscription as soon as possible. Here is a plan that will get you out of debt and allow you to never worry about money again. You just have to decide to do it. If you work the plan, the plan will work for you. Get all of the debt paid off as soon as possible, that will enable you to start building real wealth.

A. Have a garage sale and sell whatever you don’t use or need and use that money to pay down your debt.

B. Consider getting a temporary part time job or two and use all of that salary to pay off your debt quicker. It is better to have a no fun year
than a no fun decade.

1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an “emergency fund” category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make. Pay cash for everything. If you can’t pay cash or write a check, then you don’t need it. Do not use credit cards. Debt (especially credit card debt with it’s high interest rates) is like quicksand, if you fall in, you will drown.

2.First get current on all of you debts, if you are not already, and make no more late payments, if you have had any. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on. If it is not on your budget, then you don’t need it. If you forget to add a necessity to your budget one month then re do the budget. If you add something in, you will need to take some money out somewhere else.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3: minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for “fun” to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? The Human resources Department will have the forms for you to fill out. Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire. Start learning about investments. Do some reading. I like “The Lies About Money” by Ric Edelman, “Ready, Set, Retire” by Ray Lucia, and anything by Ed Slott. They are very good books and each has a little different perspective so you c

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