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Tips While Dealing with Credit Card Companies For Debt Relief

January 20, 2023 Leave a Comment

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Let’s talk about how to deal with credit card companies for debt relief when you can’t pay the entire outstanding amount. Debt relief by credit card companies refers to the various options that credit card companies may offer to help customers who are struggling to pay off their debt. These options can include:

Debt settlement: This involves negotiating with the credit card company to reduce the total amount of debt that you owe. You may be able to settle your debt for less than the full amount, but it will likely hurt your credit score.

Debt consolidation: This involves combining multiple credit card debts into one loan with a lower interest rate. This can make it easier to manage your debt and lower your monthly payments.

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Broke and Beware: The Hidden Costs of Debt Relief Initiatives

September 15, 2022 Leave a Comment

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There is no doubt that millions around the world are struggling to make ends meet. The sustained body shots of inflation, COVID economic loss, and war in Europe have combined to produce significantly increased living costs worldwide, while businesses haven’t yet returned to pre-pandemic revenues, and people are still looking for alternative employment.

Broke and Beware: The Hidden Costs of Debt Relief Initiatives

In this difficult economic climate, debt relief schemes seem like beneficial support – but they may be a double-edged sword that isn’t a long-term solution.

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What is the Quickest Way to Get Out of Debt?

November 15, 2021 Leave a Comment

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Debt might be unavoidable. In some cases, especially when making a large purchase – like a house, a car, a holiday – or covering unexpected expenses, it is best advised you take out a loan (get into debt) so that you can do what you want or need to do.

What is the Quickest Way to Get Out of Debt?

In the past, digging out of debt could take years, and interest rates over what might be multiple loans further complicated your financial position.

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Realize Your Debt Consolidation Plan in 5 Easy Steps

February 25, 2019 Leave a Comment

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Are you looking to bring your debt under control? Do you find you struggle to make your payments each month and need a better way to manage your bills? If so, a debt consolidation plan may be exactly what you need to achieve these goals.

Debt Snowball

This type of plan is exactly what it suggests. All debts are combined into one monthly payment plan often with a lower interest rate. How can you realize your debt consolidation plan? It’s easy when you follow these five steps.

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How to Pick a Debt Relief Partner

March 23, 2018 Leave a Comment

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If you’ve decided your best course of action is to pursue debt settlement, you’re going to need to know how to pick a debt relief partner. Given this is a company with which you’ll be dealing for at least two years—possibly longer—you’ll want to choose carefully.

How to Pick a Debt Relief Partner

After all, your financial future is on the line here, so you must make sure things are handled properly and as expeditiously as possible.

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10 Things You Should Know about Choosing a Debt Consolidation Company

February 5, 2018 4 Comments

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It seems as if there is a dizzying array of offers popping up all over the Internet promoting various debt consolidation companies. How do you choose the right one? You want to get out from under your mountain of debt and start spending money on the things you want instead of throwing it away on interest payments, but finding the right company seems overwhelming.

Financial trouble

Here are 10 tips to help you pick the perfect debt consolidation company for your needs. But, first, refer to our Do it Yourself Debt Consolidation Guide. Only if you are not able to do it yourself, go for picking up the right company.

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10 Questions to Answer Before Contacting a Debt Relief Firm

February 11, 2015 1 Comment

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To continue from where we left on Monday when debt becomes too much to handle there’s one relief we can think of, debt consolidation to reduce the interest rate. That may affect your credit but getting rid of debt burden at a cheaper cost makes it favorable. Previously I posted about self-consolidating debt to avoid high fees of debt consolidating companies.

Tackling Debt

Debt consolidation has few aspects that you should know. It has a very bad impression on your credit, it requires hefty fees and you’re faced with the increased tax burden. Please note, I’ll never recommend my friends and family to go for debt consolidation. I’d rather advice them to go to a credit counselor instead.

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How to Reduce Your Debt from Being Financially Indebted

February 9, 2015 3 Comments

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Getting your debt paid off is perhaps the most important suggestion a finance blogger can give you. I have written many posts on this subject. Still when a guest blogger offers to extend advice on reducing debt burden, we can’t simply say ‘No’. I’d love to present you thousands of articles to reduce your debt. Enjoy this very encouraging post from Bill. This is Bills 4th guest post on my blog.

Reduce Debt

Just like it is normal to have addictions and habits, having debt is slowly becoming a tradition amongst a number of people.

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Reduce Your Debt in 3 Steps

January 7, 2014 5 Comments

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If you have insurmountable debt, you’re not alone – the level of household debt is increasing in America, rising at an average rate of nearly $3200 a year between 2001 and 2011. Even more worryingly, high interest debt – such as credit cards and unsecured loans – rose by more than 30% over the same period. When you consider how much extra it costs to pay just the interest on this extra debt, it’s no wonder that many American families are experiencing financial difficulties – and the stress that goes along with it.

We are Debt Free

In September I published a guest post containing a real life story on getting out of debt. Slightly more than a year I listed as much as 51 ways to get out of debt. I sometimes feel that finding 51 ways to get out of debt is little overwhelming. Here’s a simple approach to discuss debt problem. Just consider a simple solution which has only three steps.

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What to do About Debt

January 19, 2013 Leave a Comment

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Many people get into serious problems with the level of debt that they have to live with, and the bad news is that there is no easy way out of debt. The ways out involve hard work, saving and having a plan to get to the point where you can consider yourself debt-free. Refer to 51 Ways to Get Out of Debt for objective to-do list.

How to avoid debt

For some people this will mean clearing all debts except for the mortgage, for others they’ll want to clear that too before they feel they can breathe easy. However, as with most things in life, every person’s own perception of their financial situation is different. Some people might be quite happy paying off the minimum each month and accepting the constantly rising interest that is adding to their existing debts, others like to pay their credit cards in full every month and not incur even the smallest amount of interest.

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