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If you are in debt up to your
neck, don't despair. Here are some consolidation resources
and information for you to use so that you can get on the
right track in no time at all. These debt consolidation resources
have been reviewed and rated so that you can quickly choose
which program is right for your needs. Alternatively, you
can view our complete list of credit
related help resources so that you can choose the service
that you want to use or just get the information that you
need.
Debt
Connection - Use their debt savings calculator to get
a real, live quote from their website in less than 5 minutes.
If you like the new payment that their website gives you,
then a Debt Repayment Representative will contact you to discuss
your situation. You are under no obligation to use their services
by filling out their form.
E-LOAN
- Find out how much you can save by consolidating your current
loans into a single lower interest rate loan. If you are a
homeowner, this would be a great place to look for an equity
loan that you could use to pay down your debt. They also offer
personal and debt consolidation loans.
FreeDebtConsolidation.com
- Lower your interest rates and get one low monthly payment.
Homeownership is not required from this reputable non-profit
assistance program and there are no credit checks. They help
over 1 million consumers lower their monthly payments each
year.
Care
One Credit - Get free counseling to find out how you can
get out of debt and stay out of debt. A debt management program
can lower your monthly payments, reduce interest charges,
and simplify your life. Everyone associated with CareOneSM
Credit Counseling services is first and foremost a helper.
Each person is committed to providing the highest level of
credit counseling and debt management advice.
Debt
Council - A debt consolidation organization assembled
to help people in debt receive the appropriate debt elimination
solution. They offer
a FREE, no obligation, no pressure consultation to help you
see how you could reduce your debt by 50%-75%. Their debt
reduction service is a powerful way to eliminate your credit
card and unsecured debts.
USA
Consolidate - Their managers are able to drastically reduce
your interest rates and may even be able to have late fees
and penalties reduced. This
debt consolidation program can greatly improve your payment
history and put you on the path to a debt free future. Using
a debt management program can reduce the amount of time it
takes to pay off your current debts from 15-45 years into
just 3-6 years!
Credit
and Debt - Available to USA and UK residents, this debt
management and negotiation program has helped thousands to
become debt free in a very short amount of time. There is
no obligation to the free consultation!
Debt
Settlement USA - If you have reached the point where you
can no longer keep up with your monthly bills, DebtSettlementUSA
offers an Honorable Alternative to Bankruptcy. In order to
qualify for this program, the total amount of your unsecured
debt must be At Least $10,000, and the balance for each individual
creditor must be At Least $1,000.
Emergency
Debt Relief - These people offer a debt elimination program
as opposed to a debt reduction and consolidation program.
They can accept almost every type of “unsecured” debt. This
includes most credit cards, department store cards, signature
loans, repossessions, collections, some student loans and
others.
(10
- Last but NOT Least) Premier
Equity - With a Premier Equity loan, you could pay much
less interest than you're currently paying on credit cards
and other high-rate debt, have more money to do the things
you want, maybe even lower your taxes. If you have good credit
but are strapped down with a mound of bills that just seems
to keep growing, a home equity loan may be just what the doctor
ordered.
Please keep in mind that there
different ways to approach indebtedness. For some, a consolidation
loan may be just the ticket. For others, a debt reduction
program may be in order.
There are two types of debt
consolidation loans. You can get a personal loan that is
earmarked for consolidating your debts or you can use the
equity in your home in order to borrow money for the same
purpose.
If you are interested in getting
a loan to consolidate your debts then the best place to
start is E-LOAN
since they offer personal loans as well as equity loans.
They have a little something for just about anyone.
Most of the debt reduction
programs work in a different fashion. They have specialists
who will take on your case. The first thing they will do
is analyze your finances to get an overall view of your
situation. Then they will go to work on your case. They
will contact the companies that you are in debt with and
negotiate a lower interest rate and lower payments. They
will often set up a special account for you to pay your
bills through in the future. The overall result from this
form of debt consolidation is the desired affect that you
were after in the first place. Your monthly payments will
be less and you can hopefully avoid bankrupcy or general
financial collapse. Our number one pick for this category
is Debt
Connection since they do such a thorough job and since
they can make you feel like you have someone that is on
your side and will really work to get your payments lowered.
In the right hand column near
the top of this page you will find a directory which contains
articles relating to debt. In the left hand column there
are various finance related resources. We are fairly confident
however, that you will be able to find the information and
services that you require in the numbered links above. These
debt management and consolidation programs are numbered
in order of there importance and are ordered in the preference
that we have set after careful review. You should not take
our word for any claims that we have made on this site.
Any references or inplications that we have stated are our
own opinion and should not replace the counseling that you
can receive from your financial specialist.
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Consolidation Shop
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Debt
Consolidation Shop
