If you’re struggling with debt, you may find that debt consolidation could be your solution. There are a few basic types of debt consolidation, and familiarizing yourself with their primary features will help to choose the best debt consolidation solution » Read the rest
Debt consolidation service is offered by many companies online. In most debt consolidation service programs a certified counselor helps you access your financial situation and help you create a spending plan that will allow you to live while taking care » Read the rest
Under the old bankruptcy laws, most debtors chose between a liquidation proceeding under Chapter 7 of the Bankruptcy Code and a wage-earner repayment plan under Chapter 13. Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), new » Read the rest
Many people in our modern society live from paycheck to paycheck. Most of them do not even see where the money they earn from a month long work goes a day after the payday. A lot of them are » Read the rest
Debt consolidation refi loans reduce your debt sooner by lowering the interest rate on your principal. So for the same amount you are paying now, you can trim years off your payment schedule. At the same time, you can further » Read the rest
Refinancing your home loan can be worthwhile for several reasons. If you purchased your current home when rates were high, refinancing for a lesser rate may actually lower your monthly payment. Moreover, refinancing your home and receiving cash at closing » Read the rest
Before mortgage interest rates begin to rise, homeowners must take advantage of low rates and refinance their mortgage. Refinancing serve many useful purposes. Aside from presenting the perfect opportunity to lock in at a low rate, many homeowners are » Read the rest
The number of people facing serious debt problems continues to rise inexorably, with recent research suggesting up to a million Britons could potentially be in genuine danger of bankruptcy. The situation will only get worse if, as predicted, the » Read the rest
It’s a question that has stumped wise men (with overdrawn credit limits) for generations. Do I file for bankruptcy, or do I get debt consolidation loan and spend ten years paying off my debt?
The simple answer is, if » Read the rest
Over the last decade Americans have accumulated excessive amounts of debt. Partially fueled by low interest rates and increased equity on houses due to real estate markets driving prices high up. Excessive spending and no financial responsibility often lead to » Read the rest
