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27-Aug-2017 00:03

It doesn’t address excessive spending habits that create debt in the first place.It’s also not the solution if you’re overwhelmed by debt and have no hope of paying it off even with reduced payments.Debt settlement companies negotiate with creditors to repay less than you owe, in return for a substantial cut of the savings.Damage to your credit is severe, and the process can take years.More Two additional ways to consolidate debt are taking out a home equity loan or 401(k) loan.However, these two options involve risk — to your home or your retirement.

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If you take a loan with a three-year term, you know it will be paid off in three years — assuming you make your payments on time and manage your spending.

More Debt consolidation can help your credit if it helps you make on-time payments or shrinks balances on revolving accounts, especially if credit card balances were near their limits.

Your credit may be hurt if you run up credit card balances again, close most or all of your remaining cards, or miss a payment on your debt consolidation loan.

In any case, the best option for you depends on your credit score and profile, as well as your debt-to-income ratio.

» MORE: 4 ways to consolidate debt Success with a consolidation strategy requires the following: To begin to assess your chances with consolidation, first add up all your unsecured consumer debts: credit card balances, medical debt and personal loans.

Try a do-it-yourself debt payoff method instead, such as the debt snowball or debt avalanche.



Dec 5, 2016. When you've got more loans than you can keep track of – and you're having a hard time making payments – a debt consolidation program may offer relief. Before you sign up, learn how they work and evaluate if you really need to use one.… continue reading »


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