Did You Know That The Average American Household Has 13 Payment Cards Including Credit Cards, Debit Cards, And Store Cards? Plus, There Are 1.3 Billion Payment Cards In Circulation In The United States Right Now. And, On Average, Americans Carry About $5,800 In Credit Card Debt Month To Month. If One Were To Make Only The Minimum Payment On That Debt Each Month, It Would Take 30 Years To Pay Off Including An Additional $15,000 In Interest. Welcome To DebtConsolidationSite.com. We'll Provide You With Articles, Tips, And Tools That Will Help You Regain Control Of Your Credit. As
you explore this site, you'll discover...
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What Your Banker Won't Tell You About Debt Consolidation
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Hot: Which Is Better -- Consolidation Or Bankruptcy?
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How To Consolidate Without Damaging Your Credit Score
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Can You Really Get Credit After Using A Debt Service?
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Debt Consolidation Loan Rates, Student Loan Debt Consolidation, Debt Consolidation Mortgage Loans, Credit Card Debt Consolidation Loans, And Debt Consolidation Loans For People With Bad Credit.
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Q: As a result of my divorce, I'm left with more debt than I can handle. Is there an alternative to bankruptcy?
Author: Susan Oriely
One of the often-unintended consequences of divorce is the burdensome debt that was formerly handled by two, now to be handled by one. Creditors hold both spouses liable for debt incurred during the marriage. Any agreement between the spouses regarding who is responsible to pay the debt need not be recognized by the creditor.
To avoid bankruptcy, one must become acquainted with bankruptcy law. You must determine you income/expenses and your assets/liabilities. If you have the ability to fund settlements with the creditors, you should avoid bankruptcy.
Other than just paying you debts in full, one option to avoid bankruptcy is to compare debt consolidation with debt negotiation. Debt consolidation is a payment plan in favor of your creditors to pay the debts in full over time with interest. Debt negotiation, however, provides for discounted cash settlements, which are customized to you ability to fund.
Most people are unaware of the possibility of negotiating with creditors to reduce the amount of money they owe them. I recommend that you seek out a professional - one who is not emotionally involved - who has experience handling creditors to give you a fair assessment of what the outcome of this strategy might be for you. In addition, arrangements can be made to minimize the negativity on your credit report.
About the Author
CuraDebt.com is a center for helping consumers nationwide become debt free without filing bankruptcy. The agency provides a FREE Debt Freedom plan consultation at 1-877-850-DEBT(3328) or on the web site: http://www.curadebt.com/a/1242
Subscribe for FREE to the CuraDebt Money Tips newsletter and receive tips on money savings, debt reduction, dollar stretching - send a blank email to: moneytips2@curadebt.com
Article Keywords:
'Debt Consolidation'
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Recently, an interesting
email came across my desk. I'll paste it below.
Check it out...
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Dear Anthony-
HELP I am in over my head
and I obviously need help. I owe just over $12,000 on two credit
cards. I know in
the past you recommend debt consolidation. But, I have read about
of the SCAM artists out there. Is
there someone I can talk to that you recommend? -Dan, New York
There are a lot of things to watch out for when it comes to debt consolidation. I
have a company I wholeheartedly recommend to others in need of help. I
find them fair, easy, and they don’t use “high-pressure” tactics.
Press the link below to check them out now.
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