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Debt consolidation agencies will provide a Debt Management Agreement prior to negotiating with your creditors. You need to carefully review the DMA. This is very important because you may have little recourse later if a dispute arises. Here are some questions to consider prior to signing the Debt Management Agreement: Most reputable agencies charge a […]

Helpful debt consolidation tips are just a click away! Ask for advice, give some tips, and help yourself as you help others. Motivate and be motivated to get out of debt. Debt Settlement vs. Debt Consolidation vs. Credit Counseling: Learn what others did that helped them get out of debt faster. And you’ll learn what […]

A debt consolidation service interviews you, gets all your debt and income information, then comes up with a repayment plan to fit your budget. Once you agree to the repayment plan, they will contact your creditors and negotiate on your behalf. Basically, they are the same as Consumer Credit Counseling. What They Can Do For […]

Our goal is to remove the mystery about these programs, answer your questions and help you find the right debt relief for your personal financial situation. To that end, here is a listing of commonly used terms to help you understand more about consolidating debts. AICCCA he Association of Independent Consumer Credit Counseling Agencies is […]

If you are wondering if you should consolidate debts as a possible debt solution, it is important that you understand the options available. Consolidation involves combining multiple debts into a single monthly payment, making it easier and more affordable for you to meet your financial obligations. Consolidating debt is one of many ways you can […]

The financial community uses budgeting guidelines when reviewing or approving credit. If you do not fit within these parameters, your application could be denied or you may be considered a greater risk and will be required to pay much higher interest rates. Lenders use these budgeting guidelines because they represent wise spending and smart money […]

Take a moment to have adjustable rate mortgages explained plainly for you. In today’s home loan arena, ARMs are taking some heat. Find out why. Definition of adjustable rate mortgage One type of mortgage loan available is the adjustable rate mortgage or ARM for short. An ARM is nothing like a fixed rate mortgage where […]

Most times understanding how to tell what you can afford… and what you can’t, isn’t looked at objectively. I mean, you have a desire or want for a particular consumer item, so people have a tendency to justify being able to afford that item. It could be a new car, television, whatever … and let’s […]

Different Types of Credit Cards and Features The more credit card companies appear on the market, the more credit cards you have to choose from. Although they offer a huge range of different deals, you need to look for the one and only that will work best for you. Knowing the features and types of […]

You need these 10 tips to save gas. With gas prices so high, there is no time to sit and wish that the economy is going to get any better. There are many ways that you can budget your gas spending and save gas all the way around. With these gas saving ideas, your bank […]