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Consolidating Debt Info
My husband & I are looking for information on consolidating debt and would like some general information.
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Consolidate My Student Loans
Can student loans be consolidated as well?
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With the turmoil in the economy and millions of Americans contemplating the stress of their debt burdens, we've decided to dedicate 2009 to a focus on getting YOU onto the path to debt freedom!
If you are struggling with debt, utilize the debt consolidation tips & tools, guides, and how-to advice that Bills.com has made available for free.
We always suggest that you start out with a solid game-plan, including a budget and assessing if you can cut expenses, increase your income, or find creative ways to build positive cash flow. You can start with our free
Budget Guide to evaluate if you are on the right path to financial stability.
If you are in debt problems already and want help on knowing your rights, research debt collection laws to check out the free state by state guidelines on what collection protections you have.
Also, be sure to check out our latest review of Freedom Debt Relief
You can always search for Debt Consolidation tools and articles yourself to find what you need.
Lastly, here are some fast tips for your own quick Debt Consolidation Evaluator:
1. If you have perfect credit and have equity in your home - consider a Mortgage Refinance
2. If you can afford a healthy monthly payment (about 3 percent of your total debt each month) and you want to protect yourself from collection and from going delinquent - consider Credit Counseling.
3. If you want the lowest monthly payment and want to get debt free for a low cost and short amount of time, AND you are willing to deal with adverse credit impacts and collections - then evaluate Debt Settlement.
4. If you cannot afford anything in a monthly payment (less than 1.5 percent of your total debt each month) - consider Bankruptcy to see if Chapter 7 might be right for you.
Be sure to do your homework and choose the debt consolidation option that is right for you, and if you want help, apply for a free quote with one of Bills.com's approved debt consolidation providers:
Free Debt Consolidation Quote