DEBT CONSOLIDATION PROGRAM

A very popular debt consolidation program is debt negotiation services.  Negotiation by trained professional can be very helpful to individuals with credit and financial difficulties.  These professional credit counselors can negotiate with your creditors to:

• Lower your interest rates


• Reduce or eliminate late fees


• Consolidate your debts to reduce your monthly payment


• Review options to avoid bankruptcy


• Prepare you for bankruptcy

And in very extreme cases...

• Get your creditors to eliminate a substantial portion of the amount you owe.
  (Sometimes this can be up to 50% of what you owe.)

DEBT CONSOLIDATION FINANCE

There is a myriad of debt consolidation finance companies that will offer you a number of different loans as part of a debt consolidation program.  The most common companies you should contact (ranked in order of preference) are:

• Commercial Banks and Savings Banks
• Credit Unions
• National Mortgage Brokers
• Consumer Finance Companies

The companies that you should avoid are:

• Payday Loan Companies
• Cash Advance Institutions

DEBT CONSOLIDATION SERVICES

 A good debt consolidation program will include the following debt consolidation services:

1. Credit and Debt Counseling


2. Professional Credit Counselors


3. Debt Consolidation Loans
1. Unsecured debt consolidation loans
2. Credit card debt consolidation loans
3. Home equity debt consolidation loans


4. Mortgage Debt Consolidation Refi Loans

SELECTED ARTICLES AND RESOURCES

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