A debt consolidation secured loan is particularly used for debt settlement. A debt consolidation process brings together or consolidates various debts and multiple payments like store, gas and phone bills, home improvements, medical bills, taxes, education, overdue rent etc. These » 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
Excessive debts cause a lot of worry and anxiety. Many people hope to become debt free. However, earning enough money to care for daily living expenses, while paying down credit card balances is challenging. There are options available to those » Read the rest
Swimming in heavy credit card debt sometimes means getting deeper in debt simply because of high interest rates. The IRS no longer allows credit card interest as a deduction. If you use a home equity loan to consolidate and pay-off » Read the rest
Debt consolidation mortgage loans can help you lower your interest rates and monthly payments. With reduced rates, you can also pay off your debt sooner. However, reducing your equity could subject you to private mortgage rates. You may also end » Read the rest
Debt has a way of piling up in a sneaky way. Many consumers think that they are wisely managing their money until the day comes when they realize that they are way too deep in debt. The average U.S. household » Read the rest
