Tag: debt consolidation

A Bit Of Great Ways Consumers Can Obtain Government Debt Assistance

No matter how good your money management skills are, there might come a time when you’ll find yourself with more debt than you can handle. This is especially true if you live in an economy wherein consumers rely mostly on their charge cards to make purchases.

What are you supposed to do if such a situation arises, and you have accumulated more debt than your finances can actually handle? The good news is that there are personal and government debt management solutions that you can look into using. The only thing that you need to do at your end is lay out all your options on the table and decide which one will work best for you, think abouting the financial bind that you’re currently in.

The initial instinct of someone who is facing serious financial problems is to immediately consider bankruptcy as a solution. However, since it is your finances which are at stake here, it is a must to look into what alternative options you have.

To help you out, let’s learn more about the government debt management options which are out there. In essence, there is really no one specific plan which equates to its being a government debt management in the United Kingdom. But the one thing which closely resembles government debt management help is called the IVA or the Individual Voluntary Arrangement.

Instead of immediately think abouting filing for bankruptcy, you can opt to use the IVA. The agreement is part of the Insolvency Act of 1986 implemented in the UK. It is a contractual agreement that an individual can have with creditors which can be based on any, or a combination, of the following; capital, personal income or third party repayments.

Simply put, the IVA is a legally binding agreement which allows you to reach a compromise with your creditors so that bankruptcy can be avoided. Individuals who have acquired personal debts and entrepreneurs who are getting a lot of pressure from creditors for their business can benefit from the IVA.

Aside from preventing bankruptcy, the benefits of having an IVA include freezing the application of additional interest and charges on your debt. If you are getting harassed by creditors, this will immediately stop the minute that you file for an IVA. More importantly, the agreement will allow you to pay a more affordable monthly fee for your debts, which is based on your disposable income.

How about the cons of filing for IVA? Perhaps a major disadvantage to this is that your FICO score and history will be negatively affected. In the UK, the effect that an IVA has on your credit may last for up to six years. During this period, you cannot gain access to new credit sources, preventing you from applying for mortgage loans, personal loans and other types of financial products.

With such disadvantages, is the IVA still a recommended solution? It all depends on your financial circumstances. Keep in mind that the IVA is a step better than bankruptcy – but you still need to look at your other options because the agreement will negatively affect your credit.

Prior to look intoing the IVA, you might want to have a talk with your creditors about the possibility of reducing your monthly payments so that you can keep up with your bills – which they might agree to, especially if you have a good payment history with them.

No matter which move you end up making, what’s important is for you to look at all the options that you have rather than rushing into a decision that will have a dire effect on your finances. Get proposals from several good IVA providers before making any decisions.


A Bit Of Good Ways Consumers Are Able To Gain From Debt Consolidation And Debt Management

Most people today in this world are all struggling financially whether it is they need help with debt management or debt consolidation. Most People today are losing their jobs and struggling to pay for their bills losing their houses, can’t pay their home loans, credit card account bills or medical bills.

In today society I am one of them who are not financially able to pay my bills to make ends meet. I am so in debt that I have to use a debt consolidation to help me out with all my debt. I know a lot of consumers hate to have to go that route but you have to do what is best for you. They try and do it that way so you don’t have to file bankruptcy and really wreck your credit.

The benefits of debt management are look into able, especially when you’re looking for an alternative to bankruptcy or defaulting on payments. Here are just a few of the advantages:

•Make one payment each month on a due date you select

•Lower the interest rates and total cost of your debt

•Reduce payments by up to 50 – 60%

•Improve your credit score and credit report

•Get out of debt in 36-60 months, on average

•Stop creditors from harassing you for payments

•Stay out of bankruptcy

•Work with a nonprofits credit counseling service for guidance

These are what benefits I get from being in this situation. Once I am finished with this not only will my credit be better but also I am have a clean slate and start out fresh and hopefully never ever get back in this situation. It is no fun being in this. It is hard to believe that someone could get in this situation. It happens daily. I see it on television shows and I hear about how people have racked up their credit cards to thousands and thousands and then they have medical bills that have thousands and thousands to where they can’t pay on them. People don’t have cash so they figure they might as well rack up their charge card accounts and when it comes down to it they can’t make payments on them anymore and then they get turned into collections and get several threatening calls from collections agency so finally they decided either to file bankruptcy or call for debt management plan. I would say and recommend that would be the best way to go. It will also help your credit. So I would highly recommend that route.

I feel that once you get your accounts paid off you are starting a new beginning of your life and hopefully you will keep on tract with the new bills you acquire and don’t go through what you just got out of. With the society today consumers seem to go back and forth and seem to never learn from their mistakes. I myself have learned and I am much better off today with gone through what I did to make myself better and I will never go back through this again if I can help myself.


A Bit Of Tips With Regards To Credit Card Debt Settlement And Debt Consolidation

Anyone struggling with credit card debt knows that losing sleep, avoiding phone calls, and arguing with your other half over money is typical. How can you manage credit card debt without filing bankruptcy? The answer depends on the size of your debt, how many payments you owe, and how much you can afford to pay your creditors. Debt consolidation through credit counseling services and debt settlement options are two methods for resolving debt problems. Here is how these programs work.

Debt Consolidation through Credit Counseling Programs

Certified credit counseling programs work with consumers and charge card issuers to facilitate repayment of charge card debt.

Debt consolidation programs usually do not reduce the amount of debt you owe, but can often reduce or waive fees and finance charges.

Legitimate credit counseling agencies don’t make promises for “fixing” your credit–they cannot remove credit reporting entries occurring prior to your debt consolidation plan. Payments made during your plan are usually reported as “paid as agreed.”

Debt consolidation plans are formulated based on your income and debt owed. The credit counseling agency will also charge a monthly administrative fee. They collect a monthly amount from you, and pay your creditors according to the terms of your plan.

You will likely be required to close all of your credit card account accounts as a condition of your debt consolidation plan. Credit counseling agencies cannot guarantee that you’ll qualify for new credit after your plan is completed.

If debt consolidation through credit counseling cannot help, a debt settlement program may help you avoid bankruptcy.

Debt Settlement Programs

Debt settlement programs are designed to assist consumers who owe more than $5000, owe several months worth of payments, and who cannot pay creditors due to reduced income including unemployment, layoff, illness or reduced work hours. Debt settlement is a “last ditch” method for preventing bankruptcy. Here’s how it works:

Your debt settlement company designs an affordable budget that includes a savings program.

You may be asked to curtail payments to creditors and place these funds in savings. This creates negative credit reporting, but its effects are not as usually severe as filing bankruptcy.

When you’ve saved an amount determined in your debt settlement plan, your debt settlement agency negotiates a settlement of less than you owe your creditors.

Debt settlement programs are often provided by attorneys, as it can be difficult for individuals to negotiate debt settlement terms with charge card account issuers.

Avoiding Debt Management Scams

Scammers are always willing to take advantage of those in financial distress. Don’t pay any fees before receiving a written documentation of services provided, a detailed debt consolidation or settlement plan with a specific end date, and a schedule of fees and charges. In addition, go with a plan that allows you to keep control over your savings; you don’t want to find that the company has absconded with the money you paid them every month. Don’t accept unsolicited offers of debt help, and avoid doing business with any firm promising “instant credit repair,” or other unrealistic results.

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A Bit Of Tips To Help People With Regards To Debt Relief

A person’s financial standing is normally of huge importance because of the demands which are placed on FICO scores in society. When you’re looking to make a major purchase its normally the FICO rating which plays a defining role in whether you will be able to get a quality rate, get a higher rate, or simply be rejected.

However, recent economic decline has had many individuals reevaluating the importance of their credit rating as more individuals fall to financial failure. While debt may be more common in society, do not fall to the impression that your credit score isn’t of significant value. The truth is that these scores have become a lot more important than ever before.

When you are suffering from debt and trying to rebound from your negative FICO rating burdens, nothing is a lot more effective than debt consolidation. Many people chargel they’re required to attempt rebuilding on their own while struggling to pay bills and managing the continuous call of creditors.

With debt consolidation a person could depend on the experience of a person that would represent their best interests and contact the people you owe to find a mutually helpful financial agreement. Most individuals could save a substantial percentage on the debt they owe when they finally make the decision to find security in debt consolidation.

One of the major helps in debt consolidation is found in the ability to discover credit card debt settlement. Several individuals struggling with debt find themselves shelling out the minimum balances on cards each month, keeping their FICO score comparatively clean but making no headway towards becoming debt free.

With credit card settlement you’ll discover a chance to combine the various amounts you owe, get that number reduced through effective negotiations, and come up with one monthly payment which will get your charge card accounts paid off and get you back on the right financial track. Credit cards could be a hefty financial burden when they have become maxed out and with credit card account settlement you can find your solution to start over and become debt free.

It will be difficult to find an individual that isn’t presently having difficulties associated with debt, but this shouldn’t create the idea that negative credit scores are now the norm. When you are looking to improve your financial situation, nothing is more beneficial than the utilization of debt settlement. With this service you can find a real solution which would help you in your efforts to become debt free.


Does A Debt Expert Really Assit Consumers

When you find yourself in a situation wherein you have more debt than you can handle, do you simply take the easiest way out which is to file for bankruptcy? Definitely not! What you should do instead is look into all the alternatives and seek professional help if necessary. This is where the advice of debt specialists would come in handy.

To have a deeper understanding of how debt specialists can help you out of a tight financial bind, let us outline the role that they have. Called debt relief specialists or simply debt specialists, these are professionals who specialize in giving advice to individuals who are knee-deep in debt. Actually, the process of debt relief is simply an informal way of deciding how to ease yourself out of the financial situation that you find yourself in. However, the debt specialist will help in such a way that he or she will look into your specific situation.

Let’s say that unforeseen circumstances have led to numerous financial problems that you just cannot seem to get out of. The debt relief specialist will advise you on the best step that you can take next.

The task of a debt specialist revolves around the following:

Negotiating with creditors so that a lower monthly payment for debts can be made.

Negotiating with creditors so that reduced interest rates and better monthly options can be offered to an individual with more debt than he or she can handle.

Offering professional advice on how debt consolidation or debt reduction can help ease an individual’s financial situation.

Serving as a debt negotiator to mediate between a consumer, client, creditor or a company – depending on the type of business that is being dealt with.

Working with the accounts receivables department when representing companies that are in need of debt relief.

Working with individuals who are in need of debt relief services so that harassing phone calls from creditors can be stopped legally.

Now that you already have an idea about the different roles that a debt relief specialist can take on, what are the benefits of hiring one? First of all, your debts can be reduced by up to 70%. This type of a financial specialist can also negotiate on your behalf for lower monthly repayments.
Another good thing about hiring a debt specialist is that all information will be kept strictly confidential. Compare this with filing for bankruptcy as an example. When you file for bankruptcy, all information will be made public and your financial status will be greatly affected.

With the help of a debt specialist, other alternatives such as debt settlement, debt reduction or debt consolidation can be assessed. After looking at a variety of options, you can easily decide as to which one will best suit your situation so that you will not be forced into filing for bankruptcy if there are other better solutions.

All in all, anybody who has more debt than he or she can handle can definitely do with some professional help from a debt specialist. No matter which step you have to take in the end, what’s important is for you to have looked at all the options possible, so that you can decide which step is best, think about your current financial situation.


A Bit Of Tips To Assist You With Regards To Government Debt Management Assistance In The UK

A nation’s economy is only as wealthy as its citizens. But what if you have a bunch of consumers who are average earners, a major percentage of which are struggling to pay off their debts? Is there any form of government debt management help offered to individuals whose debts seem to be more than their finances can actually handle?

In the United Kingdom, the closest thing that you can get to government debt management is the IVA or the Individual Voluntary Arrangement. Introduced in 1986, the IVA was supposed to be an alternative to those who are this close to filing for bankruptcy.

The UK government initially meant for the IVA to be a financial option that will help small business owners get rid of their debts. However, years passed and the IVA was modified in such a way that it is now a widely-used government debt solution in the UK.

If you want your local economy to be given a boost, you naturally would not want people or individual business owners to go bankrupt. To prevent bankruptcies from happening, what the government did was introduce the IVA as a way of writing off up to 75% of your debt.

If you owe a certain amount to at least three creditors, then you may qualify for this type of government debt management. Another qualification is that you should have a regular income which leaves you with enough funds to make regular payments for your debts.

Whether you’re a small business owner or an employee who simply needs some financial assistance to get rid of your debts, should you seriously consider the IVA as an option? The answer is most definitely yes, provided your situation is serious and you take proper advice from a specialist debt company.

As mentioned earlier, the IVA is a better alternative to filing for bankruptcy – although it does have some disadvantages as well. For one, the IVA will negatively mark your credit for up to six years. Within this period, you might not be able to acquire new credit. Also, unless your creditors think that you have the means to pay your debt within a reasonable time, you might not necessarily be approved for it.

During the time that you are supposed to pay for your debts under IVA, make sure that you are committed to clearing yourself of debt. Otherwise, your efforts to be free of debt could be all for naught.

For the instances when an IVA seems to be the perfect financial solution, however, there is absolutely no reason why you should say no to it. At the end of the day, the IVA is a great way for you to pay off the debts that you can afford – and write the rest of your debts off so that you can become debt free again.


A Bunch Of Great Ways Consumers Are Able To Obtain Debt Relief

One issue that follows reckless spending through charge card is the most convenient way of getting out of charge card debt. There is some kind of sweet chargelings when you get a charge card account for the first time but that will soon cease if you start spending beyond your earning capacity and falls into serious debt in the process.

If you are in this kind of scenario, you shouldn’t be surprised to start receiving rude emails and telephone calls from your creditors. This can be quite disturbing but the recession we all experienced recently presented favorable situation to debtors in the whole country.

The economic recession that rocked the nation recently had its negative effects on the nerves of the economy as a whole and in job opportunities in particular. Imagine the amount of jobs that were lost and what befell the families where their breadwinners lost their sources of livelihood. The situation is better imagined than experienced but that is the reality of many families living in the US today and the world at large.

The unfortunate part of the global meltdown is that even some of those top executives that are generally envied are seriously wallowing in huge debts. You may even be surprised to realize that most of them are also searching for credible ways of getting out of charge card debts.

This explains the fact that the economic recession spared nobody no matter how highly placed. The negative effects weren’t only on individuals but many large companies went down the drain in the process after loosing several billions of dollars.

With all these negative economic development, the federal government came out with the economy stimuli package to resuscitate the ailing consumer economy. This worked well for those that are owe because different sorts of debt settlement sprang up.

The lenders resorted to take advantage of the injected funds from the government and offer the consumers some waivers on their debt profiles. With that, getting out of charge card account debts became quite simpler and more effective.

This helps so many debtors who can’t service their unsecured debts to align with their creditors to work out ways of bringing down the debt burden and making the interest rate more flexible at the same time.

Just like in many things in life, the need for professional debt settlement companies arose and lots of such companies had been springing up by the day since the past year. The benefits of the debt settlement solutions are being enjoyed by all parties involved because everybody had gained in one way or the other since it was popularized.

So, getting out of credit card debt in this recessive economy is much easier than it was few years back and there isn’t any reason for you not to take advantage of the development to get your entire debt profile completely settled.

You simply need to seek for the best deal and make sure that you stick to whatever agreement you reached with your creditor so that your credit rating wouldn’t be worsened.

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A Few Tips To Help You With Debt Management

Debt management plans are one of the most widely used options for consumers, what exactly are they?

Let’s say you are floundering in debt, and it’s beginning to spiral downwards out of control. You worry about what tomorrow might bring, and you don’t want to answer your phone anymore. You’re desperate for someone to throw you a lifeline… What are your options? You’re probably familiar with the concept of bankruptcy, but are curious about other ways to resolve your debt.

Let’s explore the option of a debt management plan: what is it, what can it do, and, just as importantly, what can’t it do? A debt management plan, as a way for you to systematically rid yourself of debt, gets cobbled together for you with a credit-counseling service. A debt management plan (or DMP) does not remove your debt from the picture. So how is a DMP a positive thing?

Instead of you paying each creditor individually (and struggling to do so), a credit-counseling service negotiates with your creditors to agree on a way to be repaid. Credit-counseling services can also sometimes negotiate a lower APR than what you are currently paying on any given debt, or negotiate to remove late charges.

You pay one monthly payment to the credit-counseling service for all unsecured debt, rather than a payment to each individual creditor. (Unsecured debt includes credit card accounts, store accounts, medical bills and student loans. Secured debt, such as a mortgage or car payment, would not be included in the plan. Alimony and child support payments would also be ineligible with a debt management plan.) And, since the credit-counseling service is making regular payments to creditors, collection calls should stop.

Mind you, these services do not come free. Even non-profit services charge monthly fees for their help, and sometimes credit-counseling services charge charges upfront. Also be forewarned that even a self-described non-profit service may not be legitimate; check with your local Better Business Bureau, consumer protection agency, or state Attorney General’s office about any complaints received about any particular service before you make a commitment. For every helpful and above-board credit counselor, there are unscrupulous providers. Those to watch out for include a service which pushes a debt management plan but doesn’t work with you to build financial literacy to avoid similar problems later; a service which charges for any information you receive from them, and even a service which establishes a plan with you and then is late making payments (leaving you responsible for late charges and penalties) or, worse, doesn’t make payments at all.

You are paying for a service’s help as you move down the pathway to financial solvency. So, it’s wise to know exactly what you are paying for, and how much you are paying, before you sign any agreement with a service. Most debt management plans run from 3 to 5 years. Be forewarned that many individuals are not able to exercise the fiscal discipline needed for an agreement stretching this length of time to benefit them, and they end up dropping out of their debt management plan and back into a financial quagmire.

Other downsides can include the fact that some creditors refuse to agree to a proposed DMP. Another is that when you sign up for a debt management plan, you agree to make consistent, monthly payments for the life of the agreement. This means that you cannot make smaller monthly payments than what you originally agreed to, no matter what the financial emergency. You also need to be aware that you cannot take on any new debt for the length of the program, which includes any new charges on charge card account accounts. Your credit rating, as shaky as it may be right now, will take at least two years of steady payments before it will begin to improve. With the DMP route, your credit rating may be affected for up to seven years, though this may not be much of an issue if you already are experiencing financial distress. By way of comparison, the impact of bankruptcy can stay on your credit report from 7 to 10 years.

The benefits of a debt management plan can help your financial picture, but only if you have done your research, and only if you can consistently pay off your debt.

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A Bunch Of Tips To Help Debtors With Setting Up A Debt Management Plan

A debt management plan can help someone whose credit history and credit rating have likely already suffered either because their debt-to-credit limits are out of whack or because they have started to pay some of their bills late. As personal finance advice goes, a debt management program can help you improve your credit history and FICO rating by helping to encourage you to pay their bills on time and in full. However, some debt management programs are really scams and they will take your cash instead of helping you pay your bills. Look for a reputable credit counseling service provider.

Q: I am a business owner and due to economic downturn our business receipts are down by almost 40 percent. I’ve been using my charge card account to help keep the business afloat and my charge card account debt has gone very high.

I am starting to have difficulty paying my home home loan each month. I have contacted consumer credit counseling services and they are working on helping me with a charge card account repayment plan. They also suggested I apply for a home loan modification.

Am I taking the right steps or are there some other alternatives I should think about? Also, how will my credit rating be affected by these moves?

A: If you have maxed out your charge cards, and are having trouble making your home loan payments, you need help in figuring out how to get these amounts in line with your income.

As difficult as it might be, the best personal finance advice I can give you is that a properly designed and administered debt management plan is a good way to go. If you need a debt management plan, your credit history and credit score have likely already suffered either because your debt-to-credit limits are out of whack or because you have started to pay some of your bills late.

Joining a debt management plan shouldn’t affect your credit negatively and as you start making your payments on time and in full through the plan, your credit history and credit score should improve, as you chargel more in control of your debt. In some cases, debt management plans will hurt your ability to get new credit but should make it easier for you to get yourself back on track financially.

But you need to make sure you work with a reputable credit counseling service provider. Many people choose to work with credit repair companies or others who claim to assist people that have credit and cash management problems. But in some cases, these companies will take a cut of the money they take in and renegotiate debts or manage the payment of the debts to creditors, but then they pay late or pay less that what is owed, or they do nothing at all.

When you pay less than what is owed to a credit card company or other creditor, that short payment will cause your credit history and FICO rating to suffer.

If you qualify, getting a loan modification should help your credit history and score as well – once your loan modification is finalized and you make your payments in full and on time, your credit history should show that you are current on your loan and paying on time.

Homeowners have been concerned about how loan modifications will be reported on their credit history. According to the mortgage servicer portal administered by Fannie Mae, if you’re current on your mortgage payment when you enter a loan modification, you should be reported as current through the trial loan modification period, even if you’re paying less than you were previously. If you are delinquent on your mortgage when you enter the trial period, the loan servicer may continue to report you as delinquent on your payment and workout status.

According to the Consumer Data Industry Association, lenders can report payments on a loan modification using an existing “Special Comment Code AC (paying under a partial agreement) and during a trial loan modification, the code is included on the borrower’s credit report.” This code can be used after the trial loan modification is made permanent.

As of November 1, 2009, mortgage lenders will be able to use a new Special Comment Code – CN (loan modified under a federal government plan). This new code is “not intended to be negative or impact current credit ratings,” writes Demitra Wilson, an Equifax spokesperson. She adds that most likely, “modeling companies will wait until sufficient history has been collected to determine how this new code should be treated.”

“Generally speaking, the impact on a borrower’s credit score depends on the specific FICO score used (i.e. FICO, Vantage Score, PLUS Score, etc.),” Wilson noted in her email. “In addition, a number of other factors such as a consumer’s overall credit history and their credit mix can also affect the impact of a loan modification on a consumer’s FICO score.”

What does this mean for you? The mixed messages suggest that the home loan industry itself isn’t all that clear on what a loan modification means in terms of risk. You’d think that lowering someone’s home loan payment and making it more affordable would be a good thing – that the borrower would be less likely to default.

But so far, 68 percent of those receiving loan modifications do re-default. The bottom line is that if you’re having trouble making your mortgage payment and your lender agrees to give you a loan modification that lowers your monthly payment, hopefully it will be simpler for you to make those payments on time.

And paying your bills on time and in full is the cornerstone to a solid credit history and a good FICO score.


A Few Tips To Help Consumers With Regards To Getting Out Of Debt Fast

Becoming debt free is a major task for most people. While it’s easy to get into debt, getting out of debt is much harder. The fastest and best ways to become debt free will depend on your situation.

The first step is to get a handle on your overall financial condition. Make a list of all of your debts, and rank them in order of annual percentage rate, starting with the highest-rate debts. These are the accounts you should work on first, with the goal of eliminating all of your high-interest debts, then your lower-interest debts. At this stage, focus on your unsecured debt, such as credit card accounts and installment debt, not secured debt, like cars or real estate.

The easiest way to eliminate the high-interest debts is to pay them down at a higher rate. Keep in mind that the minimum payments on charge card accounts are kept low to keep you in debt longer. If you increase your payments, then you will be able to pay off the debt faster. This is especially true for high-interest credit card accounts. These accounts should be paid off as quickly as possible, and then closed. That will keep you from being tempted to use those high-interest cards again in the future.

If you have steady income and some savings, you might consider debt settlement. Today, charge card companies and banks are making deals to settle your outstanding debt. In some cases, you can pay as little as 30% of your outstanding balance to pay off your charge card or installment debt. Be prepared to explain your financial hardship, and make sure you have the cash on hand to make a lump sum payment. You may also be able to break up your settlement payments, but this option is not always offered by creditors.

Selling assets to pay your debts is an option, but the market is not so good for sellers these days. Many people have had to sell their belongings in this economic crisis, so you are competing with others who are having to sell their possessions to recover as much as they can. If you have items that are easy to sell and you can find buyers, then it may be a good option for you.

If you have a 401K or other retirement savings, you could cash that account in to pay debts. However, that should be a last resort, because you will pay tax penalties, and it will be harder to rebuild your savings in the future. Also, keep in mind that 401K accounts are exempt from bankruptcy. That means that you could file bankruptcy and keep all of your 401K savings.

Bankruptcy is also a think aboutation for becoming debt free. Although it is a drastic step compared to the other options discussed here, bankruptcy is a legal and practical option for those who have little or no income and high debts from medical bills, lawsuits, or other serious debt problems. If your situation seems unlikely to change in the future and you want to eliminate all of your unsecured debt, then bankruptcy is a realistic think aboutation.

If you make an honest evaluation of your situation and follow these guidelines, you can set a course to become debt free in the near future.


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