Earlier this month, I wrote about a website for Delaware Debt Consolidation. The site was pretty much geared toward getting your personal information and your money, and it listed no accreditation or names of employees. This time, I’m writing about websites promoting debt consolidation in New Jersey. I found two for this topic, including one that looks exactly like the site for Delaware. Continue reading
Archives
Business debt management when the cards are in your name
Just like everyday people can accumulate major debt, businesses can also get in the red. And just like regular people, business owners can also seek the help of debt management. You can either do it yourself or look for a reputable credit counselor. Continue reading
A Review of DelawareDebtConsolidation.com
For most of the companies I have researched so far, there are usually multiple articles written by other people who are critiquing the service from an objective point or view or are writing about if the service helped or hurt them. Just going directly to the company’s website and getting all the information there would clearly be biased because the company is selling a product and wants to play up the positives, while downplaying the possible drawbacks. This article is about Delaware Debt Consolidation and Credit Counseling Services (delawaredebtconsolidation.com). I couldn’t find anyone evaluating the company’s services, so everything I say about it comes from its website. Continue reading
Reviewing Curadebt
There are few reputable debt relief companies out there. With companies doing business online and offering immense savings, it’s not cynical to think that someone out there is getting swindled. That’s why it helps to do a little research before confiding in the services of an online company. Continue reading
Calling a debt helpline
You know, there are so many different ways to fix your debt problems. Whether you do it in person, online, or over the phone, you need to find the way that makes you feel most comfortable. If you are good with talking your way through problems while not seeing the other party in person, you might want to call a debt helpline. Continue reading
Non-profit bill consolidation is cheaper
The number of companies out there that can help you with your financial troubles is endless. If you have multiple accounts with balances and you’re looking for a consolidation, you need to pick the right company. While companies value you as customers and want to help you with your problem, many of them are doing it for a profit. If you really want to save some money and prevent the debt cycle from recurring, you might want to check out a non-profit organization for your bill consolidation. Continue reading
Tips for negotiating your debt
When it comes to negotiating your credit card debt, you must first be willing to talk to your lenders over the phone. If you send them a letter saying you’d like to negotiate, they’re probably not going to read it. Even if it’s a persuasive statement explaining your financial situation in exhaustive detail and giving an explicit payment plan, your lenders will want to finalize everything over the phone. Be prepared to talk and consider these tips for negotiating your debt. Continue reading
When to consider debt settlement
If insolvency appears imminent, you need to do something quick. Your last resort would be to declare bankruptcy because this will be a pock mark on your credit report for many years. One of the options you can choose is a debt reduction settlement, in which the total amount you owe is reduced. Time is a key factor in deciding if this is the right path for you. Continue reading
Non-prime is a Mediocre Credit Rating
You are well aware that being “subprime” means your credit score is at or below 620. You might think that being “prime” means everything above 620, but that isn’t so. Most lenders consider the minimum FICO score to qualify for a prime loan around 680, so there is something in the middle. This area is called “non-prime,” and you should be aware of risks involved with getting a non-prime loan. Continue reading
Lowering Payment on an Amortized Plan
When you get a loan, you will receive a printed copy of your payment plan. It will appear in spreadsheet form with multiple columns. These columns will have labels such as “balance due,” “payment total,” “principal due,” and “interest,” and there will also be a column with the number of payments you need to make. If your payment plan is amortized, the numbers in the “payment total” column will be exactly the same. Continue reading
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