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Author Archives: Nikol

  1. Best Debt Consolidation Loans 2019

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    Best Debt Consolidation Loans

    Best Debt Consolidation Loans

     

    Debt consolidation is when the borrower merges several small loans into one. Consolidating or merging small high interest loans into one allows the borrower to get a better interest rate with your lender. When you consolidate your debts, you are taking a new bigger loan to repay the smaller existing loans. Instead of having several creditors chasing you to repay their loans, your lender will clear all your loans leaving you with only one loan. In essence, the monthly repayment period is extended and the interest rates are reduced as well. Unlike debt settlement, here you are not reducing the principal amount that you owe your creditor but you are merging several small loans into one to help you concentrate on one loan.

    When finding the best debt consolidation loans, it is essential that you understand all aspects about the loan. When you combine multiple debts into a single loan, you reduce the risk of forgetting or defaulting a loan. There are two main reasons why people choose to consolidate their loans these include

    1. Reduce interest rates applied to the debt
    2. Lower monthly payments to make debt management easier

    What types of debt can I consolidate?

    What types of debt can I consolidate?

    What types of debt can I consolidate?

    The most common types of debt is unsecured debt include store credit cards, credit cards, fat cards, among others. In some cases, you can consolidate unpaid medical bills with your unsecured debts. It is important to evaluate your financial position and the amount of interest that you are being charged when compared to the overall amount of loan that you are paying. Consolidating debts allows the borrower to have peace of mind and focus on one loan instead of tracking numerous loans that may end up affecting his credit history. You can consolidate all your small loans to allow you to make a sound financial decision and reduce the chances of regular contact from your lender.

    Types of debt consolidation loans

    There are different debt consolidation loans and you should conduct thorough research. Most people fall into a debt cycle because they do not do their research properly. Analyze and evaluate the terms and conditions of the loan that you are given by your lenders. This way you will get the best interest rate and pay less interest. The common types of consolidation loans include

     

    • Secured loans

     

    This is a type of loan that is tied to some kind of collateral, mainly assets that the lender will sell to recover the amount borrowed if the borrower defaults the loan. Many people assume that it is easier to get a secured loan because a property or an asset is in place. However, many Americans cannot get the secured loans because they are often tied to bad credit scores. Credit score is a measure of credit worthiness. It is a figure that calculates your ability to repay a loan considering your assets, liabilities, expenses and income. Qualifying for this type of loan is complex because you have to present papers and other supporting documents.

     

    • Unsecured loans

     

    Unsecured loans

    Unsecured loans

    Unsecured loans are not tied to any assets and in situation where the borrower is unable to repay the loan, property is not confiscated. Many lenders whom we will connect you to offer unsecured type of loan, therefore you should not worry about your less than stellar credit history. Your lender will evaluate the amount and consider all the expenses and other features of the loans that could affect the mode of repayment. You can negotiate with your lender on the type of loan that you want to take before you opt for this type of loan. Debt consolidation through unsecured loan is better because you will not have to repay high interest rates on small loans.

    Where Do I Get Debt Consolidation Loans?

    Where Do I Get Debt Consolidation Loans?

    Where Do I Get Debt Consolidation Loans?

    If you need unsecured debt consolidation loan, it is imperative that you conduct thorough research that will help you make a better financial decision. Most borrowers are limited to the brick and mortar lending institutions, which often affects their ability to get affordable loans. We connect borrowers to lenders who will fund your loans. We have a user-friendly and easy to fill out loan request forms. Once you have filled out the loan request form and submit it to us, we will forward it to lenders in our network who will finance the loan. Our customer support team is experienced, courteous and is ready to serve you. They will guide you through the loan request process and answer any queries you may have about the debt consolidation loan. You can check the frequently asked questions page to understand how we operate and how to apply for the debt consolidation loan from us.

    Is Debt Consolidation Right Option for You

    • This question varies from one borrower to another. However, it is important that you understand your state laws and regulation on payday loans and debt consolidation loans. Different states have different interest and caps on the amount of interest that a user can get.

    Advantages of Debt Consolidation Loans

     

    • You can manage your debt

     

    You can manage your debt

    You can manage your debt

    Debt consolidation loans can help you overcome debts. When you consolidate your loans and manage the repayment process well, you will be in a position to make financial decisions that will get you out of debt. Consolidation your small debts will allow you to reduce the interest rates that are often associated with small loans.

     

    • Reduced interest rates

     

    When you consolidate all your outstanding loans into one loan, your lender will negotiate for a better loan interest rate that will help you overcome high interest rates that are common with small loans. There are several reasons why creditors will accept repayment with a lower rate. The common reason is that they want their money back even if it is with less profit. Your lender will convince your creditor that your loan will be repaid within the stipulated time and you can work towards the repayment process.  

     

    • Affordable monthly payments

     

    Affordable monthly payments

    Affordable monthly payments

    Many states have legal limits when it comes to loans. You should understand the interest rate and caps in your state to know what you are into. Even if the state does not have legal provisions, your lender will work towards a better monthly payment to allow you repay the loan without affecting your regular lifestyle.

     

    • Single monthly payment

     

    There is nothing more liberating than having to pay only one installment a month. When you consolidate your loans, you will be in a position to plan for a solid financial future. A single payment means that you have reduced the burden of following up with several small loans and you are repaying one loan.

     

    • No collection calls and emails

     

    Once you have consolidate all your debt, you will be dealing with one lender, therefore avoid harassment from creditor who will make regular effort to collect their loans.

     

  2. Bad Credit Consolidation For Your Bills

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    debt-consolidation

    debt-consolidation

    Changing economic conditions and a rise in cost of living has left many people with poor credit scores. Less than stellar credit history means that you will probably not qualify for conventional loans. Conventional lending institutions such as banks and other credit facilities will require that the borrower has a good credit standing for them to advance any type of loan to you. However, given the current economic situation, credit crunch and change in world policies have left many people with poor credit scores. They have limited options when it comes to seeking loan facilities. This is very difficult for people with poor credit scores. We offer an avenue for you to find credit financial credit facilities to fund your financial emergency. The most crucial factor is to check out the interest rates charged on the loans. This will determine the amount of the loan that you will repay in the end.

    The only way that you can get out of the viscous cycle of debt is to consolidate all your loans and this will help you overcome the loans easily.  Debt consolidation allows the borrower to merge all the debt obligations into one. This makes it easy for you to manage your loans through easy tracking and monitoring of a single loan. You can do this by borrowing a loan on your own from one of lenders in our network. There various benefits of debt consolidation these include:

     

    • Reduced debt

     

    Reduced debt

    Reduced debt

    You can reduce overall debt balances and the rate of interest rates considerably when you choose to consolidate your loans. Small loans are mostly associated with high interest rates and this could be challenging to the borrower. Apart from features such as rollovers and other increments to your loan, other additional charges may make the loan repayment process difficult. However, when you choose to consolidate your loans, it will be easier to manage the loans and you can get an excellent opportunity to negotiate with your lender to reduce the outstanding balances and give you a manageable loan interest. Even in situations where you are not lucky to have the lenders convinced to have a reduced amount of payment in the final statement, consolidating your debts will allow you to reduce the interest charges to a comparatively lower level.

     

    • Favorable repayment terms and conditions

     

    Favorable repayment terms and conditions

    Favorable repayment terms and conditions

    A major benefit of debt consolidation bad credit is that the repayment terms that your lender will give will be more favorable for your situation. There are no rollovers, other penalties associated with late repayment, or charges of the conventional loan set for you when you request a loan from our website, we will connect you to the lenders in our network who will evaluate your ability to repay the loan before advancing it to your account. Your lender will mediate on your behalf with lenders to give you a better interest rate and the repayment process will be smooth.

     

    • Smaller monthly payments

     

    When you opt to use debt consolidation loans to clear your debts, you will be in a position to deal with any emerging financial challenges that may arise. Your lender will review all your financial obligations and income to ascertain the right amount of loan interest that you will repay.

     

    • One monthly payment

     

    It is usually quite stressful for a borrower to deal with a string of loans and manage them effectively. When you have to make multiple payments every month, you are left reeling in worries and check book monitoring several debts. By consolidation, you can say goodbye to stress associated with several small loans and you are able to make single monthly payments. As part of the process, the interest rate and the payment will fit into your budget because you will not have to deal with high interest rates anymore.

     

    • Waiving additional charges

     

    Waiving additional charges

    Waiving additional charges

    Another benefit of debt consolidation loans bad credit is that the process will allow you to alleviate high penalty charges that are associated with small high interest loans. Your lender pays off all your penalty charges and extra charges and you will be in a position to repay a loan that is manageable. The first thing that your lender will do is to negotiate with your creditors on the best loan interest and reduced charges. In most cases, your lender will agree with your creditors to waive off all sorts of penalty and charges associated with the loan.

     

     

    • You avoid dealing with creditors or collection agents

     

    It is evident that consolidating your loan will help you get rid of collection calls and emails. If you consolidate the debts, your lender will repay the loan in full and this means that you will not have to question payday lenders and debts of your own. Your lender will be your representative and you will only repay one loan with a single monthly installment.  Your lender will negotiate all your loans on your behalf and deal with any emerging issues.

     

    • Chance to improve your credit score

     

    Chance to improve your credit score

    Chance to improve your credit score

    One of the main benefits of debt consolidation is that it provides you with an excellent opportunity to repair and improve your credit score. However, in this context, you have to be careful because you should repay all your installments on time. When you consolidate your loans, your lender will make a positive reporting to credit bureaus if you are making the repayment on time. Avoid complicating the scenario by failing to repay the loan on time.

    • Debt consolidation presents the borrower with a chance to bring finances back on track through budgeting and repayment of loans on time. In essence, your lender may give you an insight on how to manage your finances as well as how to get out of debt.

    A common mistake that many people make is that they want to consolidate their debts and use it as a solution to their financial problems. Essentially, you should use the debt consolidation plan as a platform to get your finances back on track. We advocate responsible lending and you should have a concrete financial plan that will help you overcome financial burden.

    How does consolidation help your financial situation?

    When you consolidate all your debts, you will be in a position to look at the loans on a different perspective and make a better financial judgment. Debt consolidation loans do not come with the need to have collateral on the loan. This makes it easy because you won’t have to put your assets or property on the line to get the loan. Your assets will be safe and you can find a solution to long-term financial crisis.

    Request Procedure

    Request Procedure

    Request Procedure

    The procedure of requesting for debt consolidation is pretty simple. All you have to do is fill out a simple loan request form on our website and we will forward all the information to reputable lenders in our network. Your lender will then evaluate your request and disburse the money to your active checking account or repay all your loans directly. Once your lender has all the necessary information you will then move to the next part of settling all debts and have a simple monthly installment.

     

  3. Consolidating Your Debts In 2019

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    The facts about consolidation are quite open and its impact is also clear. When you consider consolidation during your stressful financial time, you will surely appreciate its importance. Actually, you will find it relieving both financially and emotionally. Being in a financial crisis is something that you do not want but at times you cannot avoid it. Therefore, you should be informed of the different ways of coming out of your situation. Consolidating is one of the most effective methods you can apply during your financial hardship. When you consolidate, you are combining all your debts into one large amount. You will find lenders offering you consolidation options with lower interest rates for a given period of time. With lower interest rates, your monthly deduction will decrease compared to paying different loans differently.

    Why you need to consolidate your debts

    Why you need to consolidate your debts

    Why you need to consolidate your debts

    It is important to consolidate your debts because it will enable you to pay them off fast and efficiently. You will be able to stick to your repayment plan and still have your credit cards working without any unnecessary cancellations. A lender will consolidate your debts and therefore, you shall be cleared of your multiple loans.

    Factors to remember

    1. Factors to remember

      Factors to remember

      Before you consider going for consolidation, you first need to ensure you understand what it is all about. Fortunately, lenders in our network will offer you as much information as possible for you to understand. You will be entering into an agreement such that your lender will be providing you with the cash to pay all your other combined. He will be expecting you to abide by the new terms. However, it does not mean that you are free of debt. You are just subscribing to a new single loan with better terms.

    2. For you to acquire such a loan, you need to assure your lender that you are capable of paying back as agreed. Lenders are interested in knowing your regular income. They want to be sure you have a regular income that you will be able to afford the monthly payments. At times, you can also opt to show that you have collateral. If you are an entrepreneur, you can also choose to include your assets while filling up your request form.
    3. Be sure to enjoy low interest rates than those you already have on your debt credit cards. You might also find a lender who starts up with low rates that will rise after sometime. The lenders you will find with us have different packages.
    4. There are several lenders offering consolidations services. You only need to do a little research on the long list before you settle. A little research will help you choose the most suitable lender for your case.

    Benefits of Consolidating

    Benefits of Consolidating

    Benefits of Consolidating

    • You will be able to achieve and maintain a good credit rating. The task is for you to ensure you are up-to-date with your repayments. When you decide to pay your loans differently, you are prone to defaulting one. Any type of default can impact on your credit history negatively hence making it difficult for you to qualify for loans in the future.
    • You will have peace of mind when it comes to finance. Before consolidating your debts, you are likely to be struggling with paying them off. Considering that you have other bills to pay, the situation can be very disturbing. If you are in such a situation, then bringing together all your debts and being responsible for only one is what can give you peace. It will be comfortable to build the monthly repayment into your budget without missing out on some of your essential expenses.
    • You should note that while in your consolidation process, it is essential to be disciplined. Watch how you spend your cash during this period, especially on your credit cards. Ensure your accounts are also active throughout the process so that you build your credit profile for future use.
    • The collateral advantage makes consolidation even better. If you can produce collateral then lenders will be willing to offer you more. You will pay lower interest that eventually reflects on the amount you will have saved at the end of the process.

    Consolidation Methods

    Consolidation Methods

    Consolidation Methods

    There are several methods offered by lenders to suit a wide range of financial cases. You will find those using the credit card consolidation or debt personal loans options which are both effective. All the methods have unique benefits and it is important to find what fits you and your debts. When you choose the debt personal loans, you will have a direct and convenient method to sort out your problem.

    Features of Consolidation Loans

    • Features of Consolidation Loans

      Features of Consolidation Loans

      They are low-interest loans: before requesting for a consolidation loan from a lender, always check your current financial status. Most lenders want you to have a high credit score but lenders in our network do not consider that as a major factor. They will be looking at your income statement and will be able to offer you a loan with installment repayment options. With this, the interest will definitely go low. The longer payment period also makes your monthly interest payment less and affordable. Lenders are aware of your situation and would not want to make it worse. They are aiming at building a business relationship with you. Your satisfaction is the major factor and therefore, they will be offering you flexible terms for you. They have the professional capacity that enables them to calculate very low interests compared to other lending institutions.

    • They have simple and affordable repayment plans: if you do your research properly, you will find a lender with the appropriate assistance you need. Depending on how much you are comfortable paying on a monthly basis; your lender will offer you a suitable plan. You do not want to settle for a plan that will only make you default and create a bad profile. The interest you will be paying will be constant hence you will be able to fit the repayment amount into your regular monthly expenses.

    Financial crisis is not a strange thing, considering the ever-changing economic times. The times are hard for many people. You will find most people trying to counter the serious effects of these hard times by doing more than one job. If you cannot, then you may at times find yourself in debts. When in a lot of debt, consolidation is the most effective way of keeping afloat. You can manage your regular finances even while in debts. Many people have consolidated their debts through lenders in our network. Consolidating is the way to go now, especially when lenders are not strictly focused on your credit history. They want to help you sort out your crisis as fast as possible and at the same time help you build your credit profile. With their simple terms, it is unlikely for you to default payment. You will find it easy to pay your monthly repayments without worrying of whether you will miss one.


     

     

  4. What Does Consolidate Mean?

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    What Does Consolidate Mean?

    What Does Consolidate Mean?

    Debt consolidation is when you obtain a new loan to pay out several other small loans, bills, debts that you are currently making payments. When you do this, you can effectively bring all debts into one combined loan which you pay a monthly payment. Merging these loans into one is called consolidation. In reality, it is impossible to merge all loans into one because each loan is associated with different interest and a repayment period. Each loan has a contract of its own and when you default the contract you may face legal action from the creditor. However, when you consolidate the loans you have chosen to combine and use the loan to repay all the existing debts. This is an avenue which you can use to manage your loans easily because you will be dealing with only one loan and do not have to follow up on several loans with different deadlines and repayment periods.

    How to Consolidate Loans

    How to Consolidate Loans

    How to Consolidate Loans

    Loan consolidation process is quite simple. Once you have made a loan request on our website, we will strive to connect you with a lender in our network who will in turn fund your loan. Once we have sent your loan request to the lenders in our network, they will give you feedback if you qualify for the loan or not. If you meet the lender’s requirements, he will give you all the details about the loan rates and repayment periods. You can choose if you want the loan from the lender. The money is deposited to your active checking account. Alternatively, you can let your lender to work on your behalf to deal with the creditors by repaying the loans. Since they are experienced in this field and they will negotiate a better deal for you. Benefits of consolidating loans include:

    • Simplify your finances. Instead of having to keep up with several debt payments each time, you only have one debt to repay.
    • You can save some money because of the reduced interest rate. Your lender will negotiate for a better interest rate and you can in turn pay less interest rate than previous small loans, saving you some cash.
    • It makes your life easier. Your lender will consider several factors when choosing a loan repayment plan for you.
    • You can pay off all your debts faster. When you have a long term financial plan to get out of debts, you can organize ways to deal with emerging financial issues by consolidating your loans. When you consolidate your loans and repay on time, you will be done within a short period because once you finish with the consolidation loan, you would have cleared your loan.

    How are consolidation loans issued?

    In the conventional system, when you are given debt consolidation loan, the company uses the fund to repay all your loans or you are given the money and you have the obligation to clear all your loans. Repaying loans is an easy once you have consolidated all small loans into one large loan.

    Determination of Interest Rates

    Determination of Interest Rates

    Determination of Interest Rates

    There are two factors that determine the interest rate of the consolidation loans – the collateral offered and your credit score. However, this is only applicable to conventional lending institutions. Credit score is a representation of the creditworthiness of an individual and his ability to repay the loan on time. The likelihood of loan repayment is determined by a person’s credit score. The better your credit score, you increase your chances of qualifying for a loan. Collateral is an item that is used in conventional lending systems where the lender can sell the item to recover lost loan or the loan that the borrower defaulted.

    • Many Americans have less than stellar credit scores and they cannot qualify for conventional loans offered by banks and other lending institutions. However, we provide an avenue for borrower to access credit facilities despite poor credit scores.

    Pros of Consolidating Debts

    There are several advantages of consolidating debts. Benefits of consolidating debts include:

     

    • Settle debts easily

     

    Settle debts easily

    Settle debts easily

    When you consolidate your loans, you are in a better position of settling your debts easily. Your loans will be marked as settled, therefore giving you a breathing space as you plan to clear all your debts. You can save some money by settling the loan at a lower interest rate than what other small loan companies will charge you for the loans. Reducing your interest means your will have more money going towards the principal balance. With this, you can pay off your debts sooner.

     

    • Improve credit score

     

    Improve credit score

    Improve credit score

    The other main advantage of consolidating your debts is that there is a high chance of improving your credit score because you have a lower credit utilization ratio. When you make timely payments your credit score will improve considerably.

     

    • A single monthly payment

     

    You will find it easier to repay the loan because you will be dealing with a single bill each month rather than three or more on the list. This helps in lowering down your commitments, making it easy for you to repay the loan.

    When Does Consolidation Make Sense?

    When Does Consolidation Make Sense?

    When Does Consolidation Make Sense?

    The main reason that people consolidate loans is to manage one loan and deal with emerging crisis easily. It can be a useful tool if you are looking for a way to simplify your loan repayment process. You will pay less interest rate because your lender will negotiate for a lower interest rate. Moreover, you balance process can be simplified because you will clear all the mess in the area by complying with modern regulation on the loans.

    • When you decide to consolidate your debts, you want to pay off your outstanding loans within a short period. Debt consolidation is not a phenomenon that is not for everybody, you should weigh your options and determine the right type of loan that you qualify for before you choose a loan plan for yourself.

    Once you have understood what a consolidation plan is all about, you will be in a position to determine if consolidating your loan is a good idea. You should consider your credit score and financial goals before choosing a debt consolidation plan.  It is important not to fall into a debt cycle because this will ruin your credit score considerably. You should not use it as a solution to your long-term financial problems. You can speak with consolidators and other people in the category to understand all about debt consolidation.

     

  5. Student Loan Debt Consolidation Programs

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    Student Loan Debt Consolidation

    Student Loan Debt Consolidation

    The term “consolidation” may mean different things to different people or lenders. If you want to save money on student loans, then consolidating your debts can be the right way to do it. Merging your loan means combining your multiple federal or private debts into one new loan. This is a consolidated debt and you can clear your debt within ease without affecting your lifestyle. Combining your loans will give you a better interest rate and you will have peace of mind, knowing that you are repaying only one debt. Refinancing is a concept that is used by private loan lenders to combine all your loans into one. Essentially, you will request a loan from your lender who will in turn negotiate with your lender on the best way of merging debt. Your lender will negotiate for a better interest rate

    Combining your existing credits into one debt is a better way of dealing with multiple loans, especially if you are having problems repaying your debts. You can choose from a variety of credits offered by lenders in our network. You can consolidate your private or federal credits together using this type of credit. Student credit debt consolidation is a feature that can be utilized by students who have less than stellar credit history. As a student borrower, managing a couple of debts is quite difficult and if you have more than two credits, it is even harder. If you are looking for a financial breakthrough that will help you overcome debt cycle, then merging your credits is what you should consider.

    What Is Student Credit Debt Consolidation?

     Student Credit Debt Consolidation?

    Student Credit Debt Consolidation?

    Student credit consolidation is a process of combining multiple student credits into a single credit, which is easier to repay. In this method, your bigger credit is used to repay all your smaller loans and you will be required to repay one credit, unlike having to keep up with many small loans. You can consolidate your student credits after you have left school or once you have graduated. It is important to consider that your grace period for the credit consolidation may end by forfeiting the old credit for a newer credit. Student credits vary based on the credits that you are supposed to repay.

    How Do I Consolidate Federal Loans?

    How Do I Consolidate Federal Loans?

    How Do I Consolidate Federal Loans?

    If you have federal student credit, you can look for direct consolidation credit through the department of education. Most federal credits are eligible for merging once you graduate from college. Your lender will guide you through the loan request process.Most federal credits do not require a credit check. However, in most cases, they might check your credit history for verification purposes. The purpose is to verify the information of the borrower and his or her ability to repay the credit. When you choose to consolidate your credit, your new credit will have a fixed interest rate, which is calculated using a weighted average of the previous credits. The main benefit of extending your credit repayment period is that you will make the credit more manageable to payback without affecting how you live.

    • Depending on the repayment period and the interest rate that you are paying for the credit student borrowers benefit from merging their credits. If you are thinking of consolidating your credits, then it is essential that you know the merits and demerits of each process.

    Consolidating Private Student Credits

    Consolidating Private Student Credits

    Consolidating Private Student Credits

    • If you have private credits that you want to consolidate, then consolidating them with a private lender would be a perfect choice. A major benefit of merging them with a private lender is that you will be charged a low interest rate.
    • Typically, there no application fees when you choose to consolidate your credits. However, you should have to qualify for these loans through credit evaluation. Based on your credit, you could qualify for a credit with a lower interest rate. A lower interest rate means that you can chip on the principal balance therefore reducing total time taken to repay the credit.
    • For people looking at a better interest rate and lowered monthly payments, then merging what you owe is the best choice for you. You can avoid complexities associated with multiple credits by merging all smaller credits into a single payment.

    Once you have made a request to your lender, you will be evaluated for creditworthiness or ability to repay the loan. If you qualify for the loan, your lender will clear all the debts for you and you will be repaying one loan unlike following up on several small loans. It is important to keep in mind that you can choose an income driven plan, which allows your lender to deduct part of your salary to repay the loan. Having this type of option outweighs other type of loans because your lender will consider all your expenses before coming up with an interest rate and monthly payments.

    Reasons To Consider Student Debt Consolidation Debt

    Consider Student Debt Consolidation Debt

    Consider Student Debt Consolidation Debt

    Many students are having trouble keeping all their debt in order, juggling multiple payments can be challenging and merging all your debts could help you stay organized. When you merge your debts, your lender will clear all your existing debts from the current debt, leaving you with one debt to pay. Some of the reasons to consider merging your debts include:

    • Simplify your bills

    Many borrowers juggling more than one debt find it hard to track each debt every month. merging all your debts into one makes it easy for you to stay organized and potentially save a lot of time used in following up on lenders. In addition, you cannot miss a payment because it is the only one debt that you are repaying.

    A better repayment plan

    A better repayment plan

    A better repayment plan

    When you choose to merge your loans, you are switching from dealing with multiple loans to a single loan. You can choose a plan that will suit you by lowering the interest rate and a longer period to spread the payment, thereby making it affordable for you.

    • Reduced interest rate

    Reduced interest rate

    Reduced interest rate

    A direct consolidation loan interest rate is calculated as a weighted overall and this means that you will get a lower interest rate, unlike the current loan you are paying. A lower interest rate is beneficial because you can plan your finances effectively and deal with the loans. The rate could be variable or fixed. You should choose a loan type that has a fixed rate because you will not be susceptible to changes in interest rates.

    • Improved credit score

    Improved credit score

    Improved credit score

    You can consolidate your federal and private credits together with a lender who understands your financial problems. Your new interest rate will be calculated by considering several factors such as expenses, income and credit history. When you get a lower interest rate, you can repay the credits on time and this will improve your credit score because you cannot fail to repay the credit on time. You can fill out an easy credit request form, which we will pass it to your lender who will evaluate your ability to repay the credit. Once your credit request has been evaluated, you will receive a response on your credit status.

     

  6. Consolidated Solutions Read This Before Applying For A Loan

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    Many people are finding it a challenge to pay bills in order to clear debts. Most of them are considering a new consolidation strategy. While the major debt problem is credit card debt, there are other debts that are also significant. These debts include student loans, personal loans, medical bills and mortgage among others. Repaying all your debts can be a daunting task, especially if you are dealing with multiple creditors. You need to find out about consolidation solutions offered by lenders. The process of consolidation is simple since you can do it from home. You only need to know the right place to look. Lenders in our network are cef

    consolidated credittified by the Better Business Bureau. Once you have chosen a lender, you are required to fill out a simple form that requires you to give personal information. Once you have completed the form, submit it to us and we will send it to lenders in our network immediately. The lender you choose will then review your profile and offer you a consolidation package.

    The Lender and Creditor in Consolidation

     

    Lender and Creditor in Consolidation

    Lender and Creditor in Consolidation

    • Your lender will be handling creditors on your behalf. Mostly, the lenders will negotiate with the creditors to reduce the interest rate on your loan.
    • Your creditors will evaluate a plan with your lender to find a financial solution that will suit both parties and have their loans recovered. Most creditors prefer that the borrower has taken a measure upon themselves to repay the loan and not declared bankruptcy.
    • Both you and your lender are the major beneficiaries of consolidation solutions. You will benefit by clearing off your multiple debts and your lender will benefit it terms of business. The new consolidation loan will be subject to a smaller monthly installment. Although you will not be using your credit cards as usual, your debt amount will be reduced significantly. The interest rates will also be lower, hence ensuring you pay off the loan faster. At the end of consolidation, you shall have improved your credit score.

    Types of Consolidation Loans

    Types of Consolidation Loans

    Types of Consolidation Loans

    There are two types of consolidation loans. These include unsecured and secured loans.

    1. Secured loans are those loans that are tagged with collateral provided by the borrower. These loans have relatively lower interest rates and longer repayment periods.
    2. Unsecured loans are those loans given without any collateral. You will have to pay a slightly higher interest rate. The term and conditions may also be more stringent compared to secured ones. Today, these loans are readily available with our hundreds of lenders in our network. Many people cannot access conventional credit facilities because they do not have perfect credit scores.

    Characteristics of Consolidation Loans

     

    Your consolidation loan is highly dependent on your current financial status. You need to assess your situation to know how much you owe

    Your consolidation loan is highly dependent on your current financial status. You need to assess your situation to know how much you owe

    • The key advantage of using consolidation solutions is flexibility and affordability. You will be able to negotiate with your lender on the most suitable repayment schedule. A longer term is accompanied by a lower monthly deduction. During your repayment period, you will have enough cash to deal with other financial obligations because of the lower interest rate. However, it is recommended that you do not choose a very long term that will extend your new debt term. You should aim at clearing the loan as early as you can so that you can reorganize your financial life.
    • Your consolidation loan is highly dependent on your current financial status. You need to assess your situation to know how much you owe. Know your income and expenses and write them down. Calculate the amount you will be able to pay without any challenge. When you plan this well, you will not be susceptible to getting into a vicious financial debt cycle. Actually, lenders will first evaluate your financial status and know how much you earn on a regular basis. The amount you earn will play an important role in the decision on the loan amount you qualify for.
    • Consolidation loans options vary from one lender to another and you should consult with your lender to determine the right loan option for you. Lenders in our network have vast experience in dealing with creditors. Present your situation clearly and let your lender choose a consolidation plan that suits you. Once your creditors accept the offer, your lenders will immediately send money to your checking account or repay the loan on your behalf and as you start repaying monthly installments to them.
    • This process is a good option for people who are looking for a financial solution to a myriad of financial issues. You will avoid harassment of creditors and all the burden will be on your lender. Lenders working us have offers that will significantly reduce the amount you pay at the end.
    •  All consolidation programs you will find through us are efficient and result-oriented. Your risk of financial crash will be minimized within a short period. Creditors will accept you repaying existing loans using consolidated solutions because they will be able to recover their debt.
    • You should look for the most suitable lender by searching through the long list. We will link you to lenders who are focused on improving your credit rating. They have all been in the industry long enough to be able to create customized consolidation solutions for their clients.
    • Effective consolidation strategies have high ratings by previous users. When you also read reviews by other clients, you will be able to narrow down your search and hence find the most suitable lender.
    •  A consolidation program should be a learning opportunity for you. Lenders in our network will ensure you get the most out of doing business with them. When you are with consolidation, you should be able to handle your finances in a better in the future.

    Lenders are available for you at all times. You can easily find one who is operating within your state. This is important to ensure you are signed up to a legitimate program. With a legitimate lender, you are assure of paying only what you are supposed to. There will be no hidden charges and risk of losing your hard earned money. Every state has its own rules and regulations that govern consolidation loans.

    Consolidation solutions

    Consolidation solutions

    are now more popular among many individuals. Both business owners and employees have appreciated the effectiveness of consolidation. Today, the economy is fast moving and highly competitive. In the past, it would be easy to call a friend and ask for financial assistance. Everyone is under pressure to meet the high cost of living and therefore, it is hard to get someone with some cash to spare. You may be in need of instant cash at different times of the month. When you take out several fast loans and realize that you cannot payment as planned, then consolidation is your remedy. Having a credit card is something you cannot substitute with anything but when you cannot manage the debts then it becomes a serious financial burden. Consolidated solutions are very convenient and even with credit card debt – you will still be able to use your new consolidation card. Strive to get out of debt in a more pocket-friendly manner by choosing consolidation from private lenders. Financial experts are currently recommending those with low credit scores to consider consolidation of their loans and debts. The only way to improve your credit score is by showing regular payment anytime you borrow funds. With consolidation, you are assured of achieving that.

     

  7. Credit Card Consolidation Companies Near Me For Bad Credit

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    Credit Card Consolidation Companies

    Credit Card Consolidation Companies

    With the current tough times, it is normal for you to seek alternative financing options to keep up with your expenses. If you are in such a situation, then it is crucial for you to find quick and reliable solutions. Most people are opting for loans.

    Simple Qualification Process

    These companies offer loans that are specific to you as a borrower even with bad credit history. This makes it easy to request these loans and use it to clear your outstanding debt. You should note that the companies offer different consolidation packages. With us, you can find one that will help you out with your financial problem.

    Getting Yourself Ready For Consolidation

     

    Getting Yourself Ready For Consolidation

    Getting Yourself Ready For Consolidation

    • You need to understand that you will be saving more when you consolidate your credit card debt. You can start preparing yourself by listing all your cards with their interest rates. Do a comparison with the new consolidation interest that you will be getting from the different firms. This will ensure that you settle for the right consolidation loan.
    • Consolidation will make it easy for you to repay on time. With us, you will find financial institutions that will give strategic financial solutions.
    • Make sure you understand the fees. We will connect you with firms that operate legally. You will be working closely with professionals who have a lot of experience in credit card consolidation.

    Benefits of Credit Card Consolidation

    Benefits of Credit Card Consolidation

    Benefits of Credit Card Consolidation

    These loans are meant to clear your current debts and give you a new chance to abide by a new single loan. Some of the main benefits of consolidation include:

    • You will have the relief to clear all your debts at once. A consolidation company of your choice will calculate an amount enough to pay off all your credit card debts.
    • You are not required to put down any collateral. The firm you choose will then start negotiation with your creditors.
    • You don’t have to worry about having to deal with your creditors directly. Credit card consolidation companies expect you to pay regular monthly payments as agreed. You will bring together your debts and find it easy to track your outdated accounts.

    Why Use Consolidation Companies

     

    Why Use Consolidation Companies

    Why Use Consolidation Companies

    1. You will learn how to plan your budget according to your income and expenses. It is important to keep track of your expenses and avoid buying things that you don’t need.
    2. It ensures you save especially because of the lower interest. Your new consolidation loan will have a lower interest than your current card debts.
    3. Find alternative uses for any extra or idle items that you have. Many people have a lot of idle things at home. You can choose to sell any items that you do not need. This will help you raise some money to pay your loan.
    4. You should know that consolidation companies in our network have considered all the risks involved in offering you their unsecured loans. They have programs that will ensure that you pay the lowest interest rate possible.
    5. When you decided to go credit card debt free, you should ensure that you choose a company that will offer you a minimum repayment option. Having a minimum interest plan will work towards ensuring that you fully repay your new loan on time.  The installment you will pay with consolidation is significantly lesser.
    6. If you decide to go without consolidation, it will be difficult and expensive to clear your debt. In addition, you will find it challenging to keep monitoring every payment you make to the different credit card creditors.
    7. Consolidation companies have professionals who can handle your case efficiently. They will require you to be responsible for regular monthly installments without defaulting.
    8. Choose a company with suitable rates and duration of payment. We will connect you with firms with short repayment periods and flexible interest rates. With a shorter duration of installments, you will avoid the compounding effect of interest.
    9. We will link you to firms that work with minimum interest rates to create a minimum monthly installment plan for you. Credit card consolidation companies will help you know how your interest rate directly affects your remaining balance. Considering your bad credit score, the effect will be significant to you.
    10. Using consolidation will make you know that companies have minimum interest plans so that you can have a shorter repayment period. For instance, if you are to pay a minimum amount with a low-interest rate, a larger percentage of the amount you pay will work to reduce your real loan amount.
    11. Consolidation is a strategy that will ensure that you are debt free.

    The type of loan you will choose from any of the credit card consolidation companies does not matter. This is because all of them come with several benefits. Your creditors will not be bothering you anymore. Therefore, you can stop worrying about receiving creditor calls or emails at work or at home. In addition, your efforts to clear debt issues will allow you to start moving forward with your financial life. You can be improving your credit score.

    Why Use Consolidation Companies

    Why Use Consolidation Companies

    When you have multiple credit card debts, the most effective solution to use is consolidation. Having loans on your cards is easy but when they become too much, you will be overwhelmed. This situation will require you to consolidate. However, your success will highly depend on the consolidation company you choose to handle your case. You need a company like those in our network to help you understand all the important factors.

    You have the liberty to compare as many consolidation companies as you like. You should choose an appropriate firm that will offer you a consolidation loan that is enough to pay all your credit card debts at once. Many people with bad credit have used the services of companies in our network. By the time you complete your consolidation loan with any of the companies, you will be in a better position to manage your finances in the future.

     

  8. Best Way to Consolidate Credit Card Debt in 2019

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    Consolidate Credit Card Debt

    Consolidate Credit Card Debt

    The method you choose to consolidate credit debt is dependent on your debt amount and the level of discipline you are willing to maintain. Choose a consolidation plan with care. Your aim should be to achieve your objective right from the beginning. Most people think that consolidation is a loan that takes multiple consumer accounts and consolidates them into one. This is true, as you will now be paying only one loan with one monthly installment. You can also now qualify for a consolidation without providing any collateral. Lenders in our network have repayment plans and terms that have taken care of the unsecured loans. Today, the best way to consolidate credit card debt with bad credit is to consider consolidation lenders.

    Ways to Consolidate Debt

    Ways to Consolidate Debt

    Ways to Consolidate Debt

    There are different ways that people use to consolidate their debts. They include taking out consolidation loans, credit counseling and debt settlement. However, the most effective one is taking out consolidation loans.

    1. Credit counseling is a method when you trying to get out of debt without interfering with your credit. It involves making one monthly installment to a credit counseling organization. The organization will then send the payment to all your creditors accordingly. You will also be liable to a reduced interest rate and at times, no interest rates. The total time you will take is also shorter depending on the amount of debt. With this, you will still be having different loans to pay even though you will only be dealing with one organization. You will still feel the pressure.
    2. Considering consolidation loans, your payment and interest will be lower. You will also pay for a longer time but you should have cleared off all your loans immediately. Consolidation loans allow you to accept new payment terms that are independent of your previous creditors. You will be dealing with direct lenders like those in our network. The lender you choose will pay off all your loans and then offer you a flexible repayment plan.
    3. Debt settlement: this is a method that is becoming common too. You will have a consultant who will negotiate with your creditors to reduce the balance of your unsecured debts. After which, you then make payments to the consultant and they will forward your payment to the creditors. This is to continue until you complete the balance.

    It is important to note that the best way to consolidate credit card debt is to ensure it has significantly lower interest. Interest plays a huge role in making the method effective and also reducing the total amount you owe. You are only to choose an appropriate lender who will offer to pay off all your debts and then require you to pay a reasonable monthly installment. There is no paperwork required as you can even do this from home. You need to understand that secured loans will give an even lower interest rate but you will also be risking your collateral. You can easily get a lender working with us who is willing to offer you a consolidation loan without any collateral. You will bring all your credit card debts under one new credit card and all your other debts shall be cleared.

    Benefits of a Debt Consolidation Loan

     

    Benefits of a Debt Consolidation Loan

    Benefits of a Debt Consolidation Loan

    • When you use the best way to consolidate credit card debt, you will be sure of eliminating all your credit card debt at once. Actually, you will only be responsible for one loan now and not many debts to pay for different credit cards.
    • Due to the fact that credit cards have high finance charges, it is difficult to pay off the balances. Mostly, the minimum payment barely takes care of the finance fees. This makes it difficult to reduce your credit card balance. However, if you decide to consolidate credit card debt using a loan, all your balances are combined together. In addition, the loans will be offered at reduced interest rate, hence you will be on your way to becoming debt-free.

    Factors to Consider Before You Consolidate Debt

     

    Consider Before You Consolidate Debt

    Consider Before You Consolidate Debt

    • You need to get the exact amount of credit card debt, you have and make a comparison on the interest rate. The consolidation loan you choose should have a lower interest rate. Ask your lender to show you all the calculation to ensure that the total amount you pay at the end is less than your current credit card debt. Fortunately, lenders working with us are experts in the financial matters and therefore, you will get the best advice and deals.
    • Ensure that you get a lender who fully explains the terms and conditions to you before allowing you to sign up. We will link you to lenders who are willing to explain all the terms, total amount and charges. You will also be able to know any additional fees. Furthermore, the repayment plan will be clear to you, hence you will know the exact time when your loan will be completed.
    • You should be able to acquire your credit report and also get more information about your lenders from the department of Consumer Affairs in your respective state. Lenders working with us are duly registered and all work within the set rules of your particular state. All your personal and credit information will be held private as per the law.
    • Confirm whether your lender offers credit counseling. Reputable lenders like those in our list offer their clients with debt management and counseling services at no extra cost. If you choose one of the lenders in our network, you will be able to learn tips on keeping away from cumulative debts in the future.
    • Choose a consolidation loan that does not require you to put up your home as collateral. Even though many traditional lenders require you to have collateral, those lenders you will find with us have unsecured loans. With them, your property will be safe.
    • Ensure that the whole deal is not geared towards pushing you further into debt. Your lender should be giving you a loan that is enough to pay your credit card debt in full. The best way to consolidate credit card debt is to have a consolidation loan that will pay all your debts. When you take out an excess loan amount, you are probably going to use the excess amount unnecessarily and will have to pay back more. Your main aim for consolidation is to clear your credit and pay the least amount possible at the end.
    consolidation_loan

    consolidation_loan

    Many people are still trying to find the best way to consolidate credit card debt. Actually, it is quite overwhelming to deal with multiple payments all at the same time. With consolidation, you can find a lender who will offer you a reduced fixed interest rate throughout your repayment period.

    If you want to save more, then you cannot avoid consolidating your credit card debts. Start by calculating the current interest rates you are paying and get a total amount in your hand. Go ahead and look through the many lenders we work with and compare the totals. You will definitely find a lender that fits your financial profile. Lenders with our network work to make your financial life easy and relaxed.




     

     

  9. Consolidation For Bad Credit Direct Lender

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    Consolidation For Bad Credit

    Consolidation For Bad Credit

    Debt consolidation is a financial solution that is designed to simplify numerous payments that the borrower is required to make. The process involves you taking out a bigger loan to settle all your small loans by merging them. Combining your loans is a move that will help you reduce financial baggage of having to keep up with multiple debts. Creditors are willing to accept debt settlement techniques if the amount represents a fair percentage of what the borrower is required to repay to the lender. In most cases, the creditors will accept a one-off payment to avoid further complications of following up with the borrower. While it is difficult to access lump sum amount of cash with a poor credit history, we have come to your rescue. We will connect you with many lenders in our network who will finance your loan request.

    What Is Debt Consolidation For Bad Credit?

    What Is Debt Consolidation For Bad Credit?

    What Is Debt Consolidation For Bad Credit?

    The principle of loan consolidation is pretty simple.  Loan consolidation is a process where you move all your debts into one place and you will not have the challenge of dealing with multiple creditors to sort out their debts. Many types of loan consolidation are available in the market. You have to be sure of what you want before choosing a loan type. Combining your loans can be a useful solution for anyone who is struggling to repay their credits. Conventional lending systems will not allow you to access credit facilities if you have a poor credit score.

    How Do I Find The Right Consolidation Company?

    Find The Right Consolidation Company?

    Find The Right Consolidation Company?

    Finding the right loan merging company is a simple process that you should consider if you are looking for a way to merge your credit. When looking for a lender to merge your loans you should ask yourself several questions which include:

    • Will loan consolidation solution allow you to become debt-free quicker?
    • Is the loan a cheaper than what you are repaying currently?
    • How will combining your loans help you clear your debts?

    Once you have answers to the questions then you will be in the right frame of mind to take out the loan. You should use your loan to deal with emerging financial crisis and you should not use your loan as a way to get reduced interest rate but as a means to overcome financial burden. If you take out the loan, you should repay all your debts. Your lender will be in a position to negotiate for a better interest rate and reduced loan charges, therefore, giving you some leeway to repay your debt. Before you decide to merge your loans, create a budget that will show your income and expenses. This way, you will know what you owe.  

    How Can Loan Consolidation Help Me Get Out Of Debt?

    Loan Consolidation Help Me Get Out Of Debt

    Loan Consolidation Help Me Get Out Of Debt

    We will connect you with lenders who will fund your loan request and help you get out of credit. You should have a solid financial plan before you opt to go for merging of loans, if you repay all your debts within a short period you can recover and build a better financial future. A single monthly payment is easier to manage unlike dealing with multiple debts. Small loans are associated with high-interest rates and if you have many small loans, you may end up paying more in interest and not on the capital sum of the loan. However, combining your debt will help you clear your loans quickly. In the long term, merging your credit will save you money as it reduces the overall amount of interest that you are required to pay for the loan. Compounding a loan increases the total amount that a borrower will repay especially for multiple loans.

    Advantages of Combining Debts

    Besides giving you an easier time in repaying the loan, merging your credit is a better way of repaying your loans faster by lowering your interest rate. Other essential benefits of merging your debts include:

    • Single consolidated monthly payment

    ingle consolidated monthly payment

    ingle consolidated monthly payment

    When you combine your debts, it is given a single due date. This is easier to track unlike dealing with a number of loans with different due dates. Combining debts means that you relieve yourself from the stress and hustle of regular phone calls and emails from your creditors. You will have shifted the responsibility to your lender. Dealing with numerous loans can be a daunting task. Merging your loans into one allows you to avoid late repayments or missing any payments.

    • Potentially lowered interest rate

    Potentially lowered interest rate

    Potentially lowered interest rate

    According to financial experts, combining your debts into one tends to lower your interest rate. This is associated with your lender negotiating for a better interest rate from your creditors. While clearing your loans, your creditors are inclined to give you a lower interest rate and fees because they want borrowers to pay off their debts.  A lower interest means that you will be in a position to repay all your loans with ease.

    • Faster pay off loans

    Faster pay off loans

    Faster pay off loans

    There are features that play a crucial role in reducing the time that you will repay your loan. Interest rate indicated previously plays an integral role, lowered interest rate means that the borrower can repay his loan on time. Moreover, you will be able to devote your time on a single loan making the repayment process faster. Your lender will clear off all your debts, giving you only one loan to deal with. If you have a sound financial plan, you could overcome your debts faster than you thought.

    • Avoid damage to your credit score

    Avoid damage to your credit score

    Avoid damage to your credit score

    Combining your loans could potentially reduce the chances of ruining your credit score. This is because when you merge all your debts, you eliminate multiple payments and this makes tracking easier. Dealing with multiple loans can throw you off balance because you could be having a tight schedule. However, when you merge your loans, you will be in a position to deal with all your debts on time and possibly improve your credit score with an earlier repayment. Declaring bankruptcy is a bad idea because it could ruin your credit score completely.

    Often than not, individuals find themselves with large debts and it is vital that you consider your loans before choosing the right lender. Lenders in our network understand the financial dynamics that people face and we will help you access credit facilities from these lenders. Our customer support team will guide you throughout the loan request process. Choose loan consolidation, get out of debt with ease, and reduce the interest rate charged for the small loans. It is recommended that you get help from financial experts if you feel that you cannot get out of the debt cycle.

     

  10. Consolidated funding application in 2019

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    Consolidation funding application

    Consolidation funding application

    Debt Consolidation Loan

    Most people have debts. The different types of loans include student loans, mortgages, car loans and credit card balances. As long as you can pay your loans on time, then you are on the right path to financial freedom. However, you cannot get too comfortable because you never know what may happen in the future. You can lose your job or something may happen which affects your repayments. This is why you need to consider the consolidated funding application option.

    Being in a position where you have several debts that you cannot pay can be stressful. Consolidation can help you simplify what you currently owe to different creditors. It involves bringing together various debt balances into one single loan with a lower interest rate. If you have card loans from different institutions with high interests or multiple student loans, then consolidation will help you manage your payment in a better way.

    Even though this option does not rub off your debt, it allows you to sign up for an affordable loan. Lenders in our network have payment plans that ensure a greater percentage of your monthly installment is directed towards paying off the actual balance.

    What to Consider When Applying For Consolidated Funds

    1. What to Consider When Applying For Consolidated Funds

      What to Consider When Applying For Consolidated Funds

      Consolidation is not going to remove your debts. It is a process that helps you combine your debt balance into one payment with a lower interest rate. You also have the chance to pay reduced monthly installments.

    2. Choosing consolidated funds is not a quick fix strategy but rather a solution for not defaulting payments.
    3. You will be responsible for paying a single monthly installment to one lender. The moment you consolidate your debts, you will stop paying your different creditors. Your new lender would have paid your debts for you, hence you will be dealing with one creditor only.
    4. Lenders working with us have experience and are able to negotiate with your creditors. Their efforts will result in lower interest rates. They work as the link between you and your creditors. Your creditors will no longer contact you.
    5. Ensure you stop accumulating more debt when under consolidation. For a successful consolidation endeavor, you need to avoid accumulating additional debt during your repayment period. As soon as you complete a particular debt, it is better to close that account.
    6. Give preference to an account that is easy to maintain after you complete your debts. It is sensible to refrain from accumulating more debt while you are trying to get rid of what is already on hand.
    7. Consider changing your poor financial habits. This is important because it will keep you from getting back into debt again in the future. We will connect you with lenders who will offer you financial advice that will help you during and after your consolidation process.

    Remember that it is not easy to eliminate debt. You need to be consistent especially while consolidating. Changing your spending habit will play an important role. Strive to be free from debt so that you shift your attention to the financial goals and objectives.

    With us, you can achieve your desire of being free of debt by choosing consolidated funding application process. You can start the process by checking and comparing the different lenders.

    Features of Consolidated Funds

    • Features of Consolidated Funds

      Features of Consolidated Funds

      They have flexible and affordable monthly installments. Most states have certified lenders to conduct their business. Lenders in our network work to negotiate low-interest rates with your creditors.

    • You are required to pay only one monthly installment. It is a cumulative sum of cash directed towards your new loan. Your lender has already paid your debts and you are now responsible for repaying him.
    • Lenders working with us can ensure that you also get your default charges waived off. If your charges are not waived off, then you can find a lender who is willing to reduce the charges.
    • There are no follow up calls from your creditors. This means that you will have peace of mind. Your lender will clear your debts with your creditors, hence you will not be contacted by any of them. If there is any issue, your creditors can directly contact your new lender.
    • When in the process of the consolidated funding application, it is important to research thoroughly. We will be offering you a platform where you can get to search through a list of lenders. Lenders in our broad network are experienced and will handle your case in a professional manner. The following are some of the factors you need to consider;
    • Go for the lowest interest rate possible
    • Have an exact amount in mind
    • Settle for a monthly installment that fits into your budget
    • Be comfortable with the repayment period
    • Know what you are looking for

     

    Deciding to go for consolidated funds is an effective way of clearing up all your current debt. It will help you get back on your feet financially. However, it is important to avoid the following:

    • Avoid requesting for a consolidation loan amount that is more than your cumulative debts.
    • Avoid adding more debt. Debt consolidation is meant to make your financial stress more manageable.  You are supposed to have a better credit score by the end of your consolidation.

    Cultivate Good Financial Habits While Consolidating Your Debts

     

    Culitvate Good Financial Habits While Consolidating Your Debts

    Culitvate Good Financial Habits While Consolidating Your Debts

    • Fund consolidation may help you pay off your credit card balances. With all your card balance cleared, you may be tempted to start using the cards again. Lenders recommend that you restrict your spending while consolidating your debts. Concentrate on fully repaying your new loan before considering another one.
    • You need to ensure that you practice better spending habits for you to build your credit score. This means that you will make a budget and stick to it. A combination of good financial habits and consolidation will lead you to an improved credit score.
    • You can start by choosing any of the lenders providing consolidated funding application. You are will be on the right track in paying back your new loan. This process will help you become more financially stable.

    Consolidation Is Better Than Filing for Bankruptcy

     

    Consolidation Is Better Than Filing for Bankruptcy

    Consolidation Is Better Than Filing for Bankruptcy

    • It is better to consolidate your debt than to file for bankruptcy. When you file for bankruptcy, you will be creating a hurdle for your future loan access. Court cases are unpredictable and time-consuming. Those who have previously filed for bankruptcy have stated that it is not an effective way of dealing with debt. Remember that filing for bankruptcy does not erase your debts. You will only be postponing payment for some time.
    • Many people, including those with bad credit, have used consolidation services to eliminate their debts. We will link you with lenders who understand the tricky financial situation that you are in.

Testimonials

"Thanks and I have enjoyed my association with you and your company. I would have never been able to do this on my own. Again, thanks for your help." Sandy P.

"My first student loan payment out of many loans was coming up and it was going to put a huge dent in my pocket. But luckily for me I found Apple Debt Care; they really helped me consolidate all my loans and now I only have to make one low payment that I can actually afford." - Eddy A.

"Thank you so much, I appreciate working with you and AppleDebtCare; You have already helped me so much and are continuing to help me get back on my feet and to manage my debt better." Demetrice M.