Debt consolidation office
Start a debt free living today!
DEBT CONSOLIDATION OFFICEDo you feel as though you make endless payments but never pay off your debt? The truth is, if you only make the minimum monthly payment on your bills, you almost never will. We can help. Debt consolidation is a simple way to pay off your bills quickly and easily. All you have to do is fill in one no-obligation form to get started now.
WHAT IS DEBT CONSOLIDATION?
For most of us debt is quite simply a part of life. Sometimes debt becomes almost unmanageable and one cannot keep up with their bills. This can lead to a lot of stress and problems for a person. At times people even consider bankruptcy. This should be avoided unless there is no other alternative. If you are overwhelmed by your debt, consider debt consolidation.
Debt consolidation is when you have several bills and you consolidate them into one monthly payment. You or a third party will work with your creditors to devise a debt consolidation plan. A debt consolidation plan is not a loan. What will typically happen is that your creditors will settle for a percentage of the amount due if you agree to pay that amount within a certain time period. They may also be willing to waive late fees and some other associated fees.
There can be many benefits to debt consolidation. If you are having serious debt problems, this can certainly help you to get yourself out of debt. As mentioned above, you may be able to settle with your creditors for less than the amount you actually owe. Sometimes debt consolidation can cut your original debt by 60% or more.
Sometimes just having several bills to pay out each month can make it difficult to stay on top of your payments. It can become easy to forget about one of your payments or to submit a payment late. Debt consolidation will help with this problem. You can make one payment each month to cover all of your creditors. You will no longer need to make payments to several creditors each and every month.
You can also pay off your debt much faster when you enter into a debt management program. For example, if you have a great deal of credit card debt, you could be paying on that debt for 10 years or even in many case much longer. However, debt consolidation will help you to pay off your debt much sooner. In many cases, you will be able to pay off your debts in 12-36 months. Within a couple years you can be debt free.
It is possible to come up with a debt management program on your own. This does involve time to arrange doing so. You will also need to be very responsible in sticking with your program. You may want to consider working with a debt counseling service instead. These services have people who are trained to work with you and your creditors to devise a plan that will be satisfactory for everyone.
The debt counseling agency will work with your creditors to negotiate your debt. They will come up with a payment plan for you. Instead of paying money to each individual creditor, you will now make one month payment to the debt counseling agency. Most debt counselors will charge you a fee for their services. If you were to work on a debt consolidation plan on your own, it would not cost as much. However, working with a debt counselor may be a more efficient way to deal with your debt.
Debt can get out of hand. It can become overwhelming and begin to control nearly every aspect of a person�s life. There is something you can do. Consider debt consolidation so that you can begin to pay off your debt and to do so much sooner. Debt consolidation will make it possible for your to pay just one payment each month instead of making payments to each creditor. There is hope, you can regain control of your finances.
Use our debt consolidation calculator to get a real, live quote from our website in less than 5 minutes from this point.
Step 1 - Tell us about yourself
Step 2 - Tell us how much you owe
Step 3 - We will tell you what your new consolidated monthly payment!
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