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Tag Archive: debt consolidation

  1. Consolidate Private Student Loans- Student Debt Relief

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    Consolidate Private Student Loans

    Consolidate Private Student Loans

    When you are through with your college and need to go for further education, you may decide to go for private loans as the one provided by the government is not enough. Lenders will offer you these loans to support you in pursuing your higher education but at higher interest rates than government loans. This is because they consider these loans as unsecured. When the time comes for you to start paying back, it becomes a challenge, especially if you have a number of them. This situation makes the decision to consolidate private student loans the best option for you.

    Prerequisites for Consolidating Student Loans

    • Prerequisites for Consolidating Student Loans

      Prerequisites for Consolidating Student Loans

      Check your credit rating by looking at your financial reports. Interest rates charged on these loans are dependent on your credit score. You can get a free credit report and know your status. Lenders you find in our network already understand your poor credit score and will not be focused on that.

    • Research and compare the lender. You will find consolidating your student loans with a private lender to be much affordable and favorable compared to banks and credit unions. Compare lenders and identify the differences that can greatly influence your repayment.
    • Take your time to carefully check the terms and conditions of a lender. Our lenders are always willing to assist you. Your questions should be about interest rates, payment options, penalties and fees.

      Checklist for Your Consolidation

    1. Checklist for Your Consolidation

      Checklist for Your Consolidation

      Know your lenders: contrary to government student loan consolidation, private consolidation charges different interest rates on your loans. The rates charged depend on the current rate in the market. Therefore, when the market rate is low, you are assured of getting very low rates and vice versa.

    2. Ensure that you have evaluated and understood your financial needs. Private lenders have varying benefits for loans that you consolidate with them. You may find a lender offering a slightly higher interest but that will be accompanied by higher fees.
    3. Be careful when you want to consolidate private student loans from a lender. This is to avoid signing up for a loan that will make your situation worse. We will be linking you to lenders who have a wide range of options for different financial situations. You will be dealing directly with a lender and that is why you are assured of affordable interest rates.
    4. Understand the extra charges and penalties that you might incur while dealing with a lender of your choice. When consolidating your student loans, it is important to be clear about the extra costs. Some lenders may charge you for an upfront service fee while others may charge you a processing fee for credit history check. This is why it is also important that you get your credit report beforehand.
    5. There are other lenders who may charge you a pre-payment penalty. Lenders in our network want you to clear their loan as fast as you can. They are focused on helping you complete your loan debt and be eligible for loans after you are through with your higher education. Remember that after college, you will still need access to financing hence the need to have a good credit profile. Your pre-payment will work positively towards creating a good credit profile.
    6. A reputable lender should be able to provide you with an alternative when you are late with a payment. You need to choose a lender who understands the ever-changing economic times and create a plan in case you default a scheduled payment.
    7. Remember that lenders are running a business and they are competing. Lenders working with us have regular promotions that will make your loan process even much easier. They have incentives that will also let you save more in the long run. You are free to ask your lender about any current promotions so that you are not left out.

    Benefits of Consolidating Student Loans

    Benefits of Consolidating Student Loans

    Benefits of Consolidating Student Loans

    There are various benefits associated with student consolidation loans. These include:

    • The main benefit of consolidating these loans is the opportunity to have one loan instead of several loans. Therefore, you will only be required to pay one monthly payment. You will be having a chance to choose the lowest payment plan especially if you are looking for a long-term plan.
    • The interest rate on these loans may be variable or fixed. Even though they might be higher as compared to other loans, they are worth it. You will not be required to provide collateral.
    • Traditional lenders will look at your credit rating that actually will not be good. On the other hand, lenders we connect you to will be providing you with consolidation loans to significantly improve your credit rating.
    • Do not be in a hurry to choose a lender. Take your time and go through the reviews to find the most suitable lender. Remember that your problem is a unique one and you will only be successful if you choose appropriately. You will be choosing based on your need and your current financial profile. Note that you might be out of college and therefore, you have no source of income. This should play a major role in the consolidation decision you are about to make. When you consolidate your loans, you are actually getting a heavy financial load off your back. Making payments to different companies is quite challenging. You may forget one and then be listed as a defaulter. You do not want to be listed as a defaulter because it will hinder your future financial credibility.
    • With consolidation, you will be able to complete your studies stress-free. When you choose lenders in our list, you will find out that many students have used these loans to get out of their multiple loans.
    • Consolidate private student loans to achieve a similar objective as consolidating government loans. You need to check time, your private lender and loan amount. Your solution is to choose consolidation and have your loans cleared without any paperwork and delayed approval.

     

  2. 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.

     

  3. Debt Consolidation Loan for Poor Credit Rating

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    Debt Consolidation Loan for Bad Credit

    Debt Consolidation Loan for Bad Credit

    When you have multiple debts and your creditors require different amount of money at different times of the month, you may find it hard to co-ordinate all your payments to work with your budget. In such a case, consolidating your debts into a single loan can be the easiest and simplest way to get out of debt. Once you have merged your debts, you do not have to follow up on several creditors because your lender will pay off all your debts and you are left with one loan to manage. Before you merge your debts, it is important to plan your finances effectively. This will help you get out of debt and overcome problems that led you into the debt in the first place. You can request for a consolidation funding using the form on the website and let your lender assess your ability to repay the loan.

    Once the debt has been approved, your lender will disburse the amount into your checking account or pay off all your loans. Credit report is data that shows the ability of the borrower to repay the loan on time. It determines the creditworthiness of the borrower. If you repay your loans regularly, then it means that your report is good and you are a low-risk borrower. If you do not pay your loans on time, it will reflect on your report. This will negatively affect your ability to repay the advance amount, and you will be labeled as a high-risk borrower. Even with a less stellar score, you can qualify for financial help if you meet the requirements from your lender.

    Where Can I Borrow Debt Consolidation Loan For Bad Credit?

    Debt Consolidation Loan For Bad Credit

    Debt Consolidation Loan For Bad Credit

    You can merge your debt when you feel that it is becoming a challenge to deal with, especially if you have several debts or you are late in repaying the debts on a regular basis. We are connected to a wide network of lenders who will finance your loan request. Merging your loans is an essential step towards dealing with loan systems and repayment.

    Ø  If you have bad credit, you should not be worried because we connect you to lenders who will finance your loans. Many people have poor credit scores and therefore cannot access credit facilities from conventional lending systems. Banks and other facilities need collateral or assets from the borrower for any loan taken.

    Ø  Lenders in our network offer unsecured loans, which means that you will not be required to offer your asset as collateral. Before you choose to consolidate your debts, it is important to understand what brought you into this debt in the first place. Once you understand your financial mistake, you will be able to make better decisions in the future.

    Debt consolidation for bad credit is beneficial to borrowers because it will help you monitor one loan unlike having to deal with multiple small, high-interest loans. Features of credit merging include:

    1. Simplify your repayment plan: The main benefit of advance consolidation is that the borrower has only a single payment to make. Therefore, you will not fail to repay the loan within the stipulated time. Tracking of loan is a vital aspect that determines how long it will take you to repay the loan. Even if you have poor credit score, merging all your loans will help you simplify the repayment process.
    2. Lower interest rate: Unless your lender is going to negotiate for a lower interest rate, it does not make sense for you to consolidate your debt. We connect you to lenders who will negotiate for a better deal from your creditors. With a lower interest rate, you can repay the credit with ease. Most small loans accrue high interest rates, which makes repayment difficult. However, with a single payment, you will be able to repay the loan on time.
    3. Saves money:  although this could depend on the terms that you are given by your lender, merging you loans will shorten your repayment period, thereby saving you money in interest and other charges associated with the loan. It is imperative that you negotiate for better terms with your lender.

    The most important aspect in dealing with credit is to understand all the dynamics in the financial sector. If your current financial situation requires you to have a low interest loan, then it is important to talk to your lender on lowering the interest rate. Make sure you thoroughly consider all financial aspects before making a decision.

    What If I Have Bad Credit And Want To Consolidate My Debt?

    Have Bad Credit And Want To Consolidate My Debt

    Have Bad Credit And Want To Consolidate My Debt

    If your bad credit score is keeping you from debt consolidation, do not give up yet. We will connect you to lenders in our network who will fund your loan even if you have less than stellar credit history. With patience and discipline, you can use merging of debts as a solution to deal with huge small loans. There are several aspects you should consider before making a decision to consolidate your loans. When you understand the source of your financial woes, you will be in a position to overcome your debts. The main features that you should look into include the following:

    Ø  Identify why you have a low credit score. Look at the reasons why you are in debt. If you have poor financial habits that cause you to be in debt, then you should consider changing them to improve your spending.

    Ø  In case there are any inaccuracies in the compilation of your report, you should inform your credit bureau to relook into your finances. You may want to inform your creditor that there could be some issues with your credit history. If you have the right records, then you should take them to your credit bureau.

    Ø  Change habits that cause your credit score to fall. It is essential that you come up with a plan to deal with your long-term financial problems.

    Ø  Improve your credit score. You should follow up by being proactive in improving your credit score. You can pay off all your debts within a short time and once you have lowered your debts, negotiate with your lenders for a better interest rate. Improve your finances and do not use the loan as a solution to your long-term financial problems.  

     

  4. Consolidate Federal Student Loans With A Private Lender

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    Consolidate Federal Student Loans

    Consolidate Federal Student Loans

    When you choose to consolidate federal student loans, the government will pay the loan off and replace it with a direct consolidation loan. You are eligible if you are a graduate, have left school or dropped below half time enrollment. Merging your student loans will allow you to focus on a single debt without having to follow up on several small loans. You will be given a new fixed rate that is calculated as a weighted average on the previous prices and rounded up to the next 0.125 %. You will be given a new loan term and based on your ability to repay the loan and you can overcome the debt within a short period. Your repayment period usually starts within 60 days once you begin your consolidation plan.

    How To Consolidate Federal Student Debt

    How To Consolidate Federal Student Debt

    How To Consolidate Federal Student Debt

    Once you have logged into the website, choose the loan consolidation tab. Once you have selected loan merging, then choose the type of the loans you would like to consolidate. You can consolidate all your loans or just a few. However, financial experts recommend that you merge all your debts to avoid further complication. When you merge your debt, you will have only a single payment to make.

    • Choose a repayment plan for the new merged credit. You have to research to get details on the loan and avoid any future complication. The standard repayment plans can last from 10 to 30 years. For working individuals, you can choose an income driven repayment plan.
    • When you choose an income driven plan, you will be required to provide more information to access your tax information. You can submit a recent federal tax return form to your loan servicer.
    • Once you have completed the loan request process, submit the form and let us find you a lender to finance your loan repayment.

    Advantages of federal student loan consolidation

     

    • Access to benefits

     

    Advantages of federal student loan consolidation

    Advantages of federal student loan consolidation

    Only federal loans that use direct loan program will qualify for PAYE or pay as you earn, public loan forgiveness, income-contingent repayment and revised pay as you earn. Consolidating your federal loans is essential in overcoming debt.

     

    • Avoid debt cycle

     

    Merging federal loan that is in default will restore your ability to repay all your loans. If you are merging your loan for the purpose of recovering from default, then it is recommended that you choose an income driven plan or full monthly payments to avoid complications that are associated with this type of loan.

     

    • Simplified student debt payments

     

    This is a major benefit for consolidating your debt. Especially if you have multiple federal loans, merging them will make your life easier. Keeping up with numerous loans is quite difficult for many people, however when you consolidate your loans, you will be dealing with only one loan. With the federal direct consolidation loan, you can merge several student loans into one. Conduct thorough research on the loan before signing up for it.

    Requirements for Direct Consolidation Loan

    Direct Consolidation Loan

    Direct Consolidation Loan

    You are required to include at least one direct loan that is in repayment period in the consolidation to qualify for a direct consolidation loan. Consolidating federal student loan under the direct consolidation loan program is an avenue to get out of loan default. You should contact your lender on the requirements on the loan. In essence, the common requirements for the loan are that you have been repaying several loans and need to merge many student loans into one. Debt management is a challenging aspect to many people and you should look into loan consolidation programs to merge all your loans into one.

     

    • Interest rate

     

    This is the most crucial aspect that you should consider when you want to merge your loans. Federal loans should have a fixed interest rate, the rate is based on weighted average. When you want to consolidate your federal loans, talk to your lender to find the right loan plan to clear your debts. Dealing with a fixed interest rate is easier than a variable interest rate.

     

    • Repayment

     

    With direct consolidation loan, the repayment period starts immediately after the payment is due once your lender disburses your loan to your checking account or pay the loans. You are required to make monthly payments on the current loan. Servicing one loan is easier than dealing with multiple loans that are usually difficult to manage.

     

    • Term

     

    terms-and-conditions

    terms-and-conditions

    The repayment term of the loan is important because it will determine the time that you will be in debt. A shorter repayment term may mean a higher interest rate. In most cases, you are required to repay a fixed amount on a monthly basis.

    1. If you are considering making prepayments, then you should consult your lender on the best way to deal with such a situation. This way you will avoid any complications that may arise in future. Repaying a loan on time increases your credit worthiness because your lender will see you as a trustworthy person.
    2. It is essential that you use the services of an experienced lender. When dealing with federal loans, there could be challenges here and there. However with a lender who understands the loan requirements, you can clear the loan with ease. We work with lenders who have been in this industry for a long time. Your lender will offer you a customized plan to deal with your loan.
    3. We have an experienced customer support team who will guide you through the loan request process and you can ask questions that you may have about the loan. Moreover, you can look at the frequently asked questions section for further guidance on how to make the loan request. We would like you to overcome debt and that is why we encourage responsible lending habits.

    In summary, if you want to consolidate federal student loans, we will guide you through the process. We have lenders in our network who will finance your loan plan. The main aspects to look at when choosing a loan consolidation plan include term, interest rate and the fees related to the loan. Improve your finances by repaying the loan on time. Dealing with numerous loans can be time consuming as well as a waste of resources. However, when you merge your loans, you will have one loan to repay.

  5. How to Consolidate Credit Card Debt

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    How to Consolidate Credit Card Debt

    How to Consolidate Credit Card Debt

    Debt consolidation, like any other techniques of moving away from debt, you need to have a solid plan for overcoming the vicious cycle. An integral aspect of debt consolidation is to consolidate your debt without affecting your credit score. The method of debt consolidation will largely affect what you will get. When you consolidate credit card debt, the borrower is allowed to roll multiple debts into one. Ideally, this new debt has a lower interest rate. Your lender will negotiate for a better interest rate and your rates will be lower compared to the other. Before you opt to consolidate credit card debt, you should ask yourself the following questions.

    Is this the right time to consolidate my debt?

     right time to consolidate my debt?

    right time to consolidate my debt?

    In most cases, borrowers opt for a new loan to cover multiple loans previously under repayment plan. Consolidating loans is a good strategy for you to overcome excessive debts. Take your time to look for a lender who understands your situation and who will be able to guide you through the process. You should time your debt consolidation plan to be in tandem with your long-term plan to overcome debt.

    Is my debt manageable?

    Is my debt manageable?

    Is my debt manageable?

    Once you fail to meet the deadlines of creditors, then there is a high possibility that you are in too much debt. You should use a realistic method to get out of the debts. This is possible if you plan your finances well and use a loan with a manageable interest rate to get rid of the loans. Once you have one loan to repay, you will be in a better position to settle all your debts after the agreed period.

    • When you consolidate your credit card debt, you are seeking a better interest rate and a debt that you can repay the loan within the required time. Debt consolidation is known to reduce the amount of interest that you pay each month.
    • It is beneficial because you will reduce the number of creditors and the interest rate that you pay monthly on the loan.
    •  You can also improve your repayment ability by reducing the amount of debts you may have.

    If you are struggling to repay several small high-interest loans, unsecured consolidation loan could be the best option for you. There are several ways of consolidating debt and based on your circumstances, you can get more value from the consolidation loans.

    How do I consolidate my credit card debt?

    You have several options:

    • Take out debt consolidation loan to clear your credit card debt
    • Take a new loan with lower interest and repay all your loans
    • Get your lender to manage the debt for you and then you will repay the loan.
    consolidate my credit card debt?

    consolidate my credit card debt?

    There are challenges with each option. However, it is essential to note that we will connect you to the many lenders in our network. Some of the options that you can utilize when looking for a lender include:

    1. Work with a debt management lender

     Work with a debt management lender

    Work with a debt management lender

    If you are facing difficulty in repaying your loan, the most essential thing you need to do is to use a lender who has better management skills than you. When you have your lender manage your debt, you will be in a better position to get out of debt. A debt management plan will provide you with the essential information you need to negotiate with your creditors on the best solution for your credit. Missed payments when repaying a debt consolidation loan could damage your credit score. However, in most cases you will not have to go to this extent if you choose a lender from our network. Once you have filled out a simple loan request form, we will connect you to lenders who will finance the loan.

    2.  Allow your lender to negotiate on your behalf

    Allow your lender to negotiate on your behalf

    Allow your lender to negotiate on your behalf

    For many people with debt, it could be difficult to negotiate with your creditors because they would be focused on you dealing with the debt rather than giving you a better deal. You can give your lender the chance to negotiate a deal on your behalf. Your lender will negotiate for a better deal and repay the entire existing loan to your creditors. Some creditors may accept a lower interest rate to allow you to pay the amount that you owe them.

    3.  Take out a debt consolidation loan

    Take out a debt consolidation loan

    Take out a debt consolidation loan

    This is a common method which many people embrace when it comes to dealing with several loans that you are unable to follow up effectively. Generally, debt consolidation allows the borrower to monitor the loans effectively and overcome the challenges associated with other forms of repayment. In some cases, a personal debt consolidation could be an option if your credit score is considerably low. This helps you streamline all your payments rather than look at managing multiple payments.

    4. Transfer credit card balances to a no interest card

    This is another option for consolidating your credit card debt. However, it is not viable to many people because of poor credit history. You can use lenders in our network who will help you.

    Does credit card debt consolidation affect your credit?

    credit card debt consolidation affect your credit

    credit card debt consolidation affect your credit

    How your credit card consolidation affects your credit score will depend a lot of factors. These could include outstanding debts, interest rates and the type of consolidation plan you choose. You will be able to plan your finances, repay the loan on time and get back to a better financial position.

    • Financial experts recommend that you do not use credit card debt consolidation as a way to avoid repaying your loan. It is imperative that you plan for your long-term finances and avoid a vicious debt cycle. Once you repay your debt, your credit ratio will improve and this gets you a positive credit score.

    Debt consolidation is not the right choice for people who have a long-term financial plan that will help them overcome debt. Consolidating loans could help you if you have the following:

    •  Your debt is manageable. The debt should be less than half of your annual gross income.
    •  Your have unsecured debts
    •  You are committed and serious that you will repay the debt within the period
    •  You are confident that you will repay the loan within the time frame.
    •  You are learning a new way to manage debt.

     

  6. Best Debt Consolidation Companies in 2019

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    Best Debt Consolidation Companies

    Best Debt Consolidation Companies

    Carrying a lot of debt can feel like you are living a life with a dark cloud hanging over your head. No matter the type of debt of what you are dealing with it, the debt lingers at the back of your mind. You should move towards combating your debts by using a loan facility that reduces the overall size of your debt. A common way of dealing with your debt is by consolidating them. This is a process where you merge all your debts into one. You can use one loan to repay all small loans or allow your lender to repay all the existing loans on your behalf. Before you choose a company to consolidate your debt, it is imperative that you look at the loan features and what you can do to overcome debt.

    If you want to get a glimpse of what you can expect, you could look at our website because our customer support team is ready to help you. We have an excellent customer support team who will guide you through the loan request process. Integrity and transparency are two of the main aspects that we should consider. People save a lot of money by consolidating their loans. There are ways of consolidation and with our help, we will connect you to the right lenders.

    Tips For Finding A Reputable Company

    Tips For Finding A Reputable Company

    Tips For Finding A Reputable Company

    1. Unfortunately, there is no quick or easy way to finding a reputable company without proper research. Here are some pointers that you should consider:
    2. Registration – check if your company of interest is registered with the credit counseling agencies. A reputable firm will keep their company in the right direction by following the rules and regulations of the state.
    3. Transparency- transparency is one of the main aspects for any loan consolidation. You should find a firm that will stick by their word. Read all the terms and conditions properly before you sign up for anything.
    4. Upfront fees – a loan merging company does not have to charge you upfront fees for loan processing.
    5. Interest rate – the interest rate that your lender charges you is vital because it will determine the total amount that you will pay for a loan. Your loan should be of a lower interest rate than the loans that you are paying currently.
    6. Term – the term of the loan is something that you should not assume, even with low interest rate and with a long term, you will end up paying more. Therefore, it is recommended that you look for a loan with a lower interest rate and a considerable term.

    Saving up to get out of debt is a good solution. However saving is not enough especially with the changing economic situations across the world. Not all consolidation companies that are online will help you overcome your debt. You should find companies with a good reputation who care about your financial status. We have been in the industry for a while and understand the changes that occur in the financial world.

    What Kind Of Debt Consolidations Do You Need?

    Debt Consolidations Do You Need

    Debt Consolidations Do You Need

    Many people do not realize that there are different services that are referred to as debt consolidation. It is important that you understand the type of loan that you are seeking for you to find the right company. The first step that you should make is to understand the type of loan that you are looking for. These loans include:

     

    • Personal Loan For Debt Consolidation

     

    Personal Loan For Debt Consolidation

    Personal Loan For Debt Consolidation

    When you take out a personal loan to consolidate your debt, you will work your lender to lower the interest rate as well as lock down the amount you will owe your lender. It is essential to note that in most cases, people make a mistake of assuming that all loans are similar. You can use the loan to clear all the small debts that you have and switch your focus to one loan that will be easier to repay. Generally, your lender will work with your creditors on finding middle ground about your loans. You will get a low interest loan.  You cannot get out of debt if you haven’t decided yourself that you need a plan that could help you overcome your debts.

     

    • Annual Percentage Rate

     

    When looking for a way to consolidate your loans, you should consider zero annual percentage rate loans. This type of loan is good for a borrower merging loans because it does not increase the interest rate. With a zero percent annual percentage rate introduction, you will not be charged when you use your credit card for the first time. You can sum up all the debts on your credit cards and repay all the loans with a single payment. Once your lender approves your loan request, you can use the money to repay all your debts and you remain with one debt.  Juggling multiple loans can be a daunting task to many borrowers. However, when you have decided to consolidate your loans, you will be heading to a better financial position because you will be able to clear your loans on time.

    Credit Counseling

    Credit Counseling

    Credit Counseling

    This is an aspect that should be considered when choosing a company to merge your loans. As a consumer, you should be counseled on the right way to use your finances and what you can do to improve your financial position. Once your lender gives you all the information before you take the loan, you will understand the aspects of the loan and changes that you expect during the process. It is crucial to ensure that you are not charged any upfront fees. In addition, your lending company should help you come up with a plan for overcoming debt and helping you plan your future finances.

    Qualities Of The Best Debt Consolidation Companies

    Qualities Of The Best Debt Consolidation

    Qualities Of The Best Debt Consolidation

    If you are in the market for the best loan merging company, then you should conduct thorough research to help you make the right decisions. Make sure that when you are signing for one company that you have put all your ideas and financial plan in place to help you in the recovery process. The qualities that your lender should have include the following:

    1. History – the history of the company will help you know how they deal with their consumers. It also gives you an idea of the type of treatment that you will be given as a customer.
    2. Special help – we are focused on helping borrowers find a solution for their perennial financial problems. Lenders in our network understand your problems and they will give you a customized solution to your problem.
    3. Customer support – you will want to work with a lender who has an excellent customer support service. Our top-notch customer support team will guide you through the process and you will get excellent service to help you meet your financial obligations.
    4. Encryption and privacy policy – this is an important aspect because it ensures all information you provide is safe and secure. We do not give your information to any unauthorized person. You are sure that your information is safe with us.

     

  7. 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.

     

  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. 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.
  10. Consolidate Your Credit Debt

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    Consolidate Credit

    Consolidate Credit

    Due to the growing cash demand in the current economy, you may find yourself borrowing money to supplement your earnings. When you borrow, you have to pay back and at times you are forced to borrow more than once. If you have more than one debt to pay back, it is important to know the most effective way of coming out of such a situation. We are closely working with financial experts who have proven that consolidation can be an effective way for those with several debts. When you consolidate credit, it means that you will combine all your debts to form one whole sum. We have links to lenders who will then pay off your new whole sum and treat it as a loan.

    Your lender will be able to consolidate all your high-interest rate debts to create a new loan with new terms and conditions. There are many ways which the lenders in our network to ensure you get the best out of consolidation.

    The Importance of Consolidation

    1. Importance of Consolidation

      Importance of Consolidation

      You will be able to bring together all your debts under one lender. The new responsibility will be to pay a monthly installment only once and to one lender, not several as before. Your main objective of seeking a consolidation loan should be to completely get rid of all your current debts at once. Lenders provide these loans at significantly lower rates than your previous creditors.

    2. There is the option of choosing a secured or an unsecured loan. If you have collateral, you can choose a secured loan. Lenders will review and approve your request faster because they will be assure of acquiring your asset in case you default. You will also be paying for a longer time. It is easier to qualify for these loans compared to unsecured loans. One of the major advantages of dealing with a secured loan is the opportunity you have to save more each month. Even though you have placed your property at risk, the payment terms are more flexible and affordable.

    On the other hand, the challenging economic times have made it difficult to qualify for an unsecured loan. Fortunately, we also have lenders willing to offer loans to those with poor credit scores and no collateral. If you do not have collateral, you can get the unsecured consolidation loan. Lenders working with us are willing to offer you this type of loan with simple basic requirements. One of the major requirements is your proof of income.

    1. You have the opportunity to save money in the long run even while still paying your loan. The lower interest and low monthly deduction play an important role in ensuring you save money.
    2. You will be able to communicate directly with your lender and know how much debt you have in total. The lenders you choose will be updating you accordingly. When you know how much you owe, it will be easier to effectively plan your financial life.
    3. You will have a financially stress-free life. When you consolidate your debts, you will stop worrying about creditors coming to your doorstep just because you failed to remit a payment on time.

    Methods to Use in Consolidation

    Methods to Use in Consolidation

    Methods to Use in Consolidation

    There are several methods used by different lenders but you should choose the best. Financial experts in consolidation like those offering their services with us have placed credit card consolidation among the most effective methods. There are different types for this consolidation method. They include:

    • Credit card consolidation loan: professionals in the financial industry have insisted that credit card consolidation is the best. With these, the lender will pay off all your different credit card debts by using a single loan. This new loan will be subject to a relatively low interest rate and monthly deduction. It will be much easier to handle one monthly installment to one lender than several. You will be in full control of your finances at all times.
    • Consolidation service: these are services provided by lenders who consolidate credit by being the link between you and your current creditors. They will negotiate a new low interest and minimum monthly installments on your behalf. After making an agreement with your creditor, the particular lender whom you can find in our network will then ask you to remit a certain amount to them monthly. This amount will be used to pay all your creditors. You can use this option if you have failed to qualify for a single loan.
    • Credit card balance transfer: for many years now, this method has been used by many to clear their debts. This method involves the transfer of all your high interest card balances to a one low interest card. You will be saving a lot of money but you should still be careful. It is important that you choose your package carefully so that by the end of it, you are better off. Look out for the following while considering to consolidate credit using balance transfer:
    • Balance transfer charges
    • Time-oriented offer
    • Interest rate charged after offer
    • Hidden penalty fees
    • High interest on purchases

    All these, if not checked properly, could only push you deep er into debt. One of the main disadvantages of this method is that you have to do the calculations on your own. However, regardless of the offer you will find, you will still pay a little more than if you had chosen to go for direct consolidation from reputable lenders.

    These are three of the most utilized methods for consolidating credit. Whichever you choose, you should always note that the sole responsibility still lies with you. Even after clearing your debts, you need to develop good financial practices that will ensure that you maintain healthy financial habits. Lenders working with us are experienced enough to see you through your debts and eventually ensure that you have learnt to take better charge of your financial future. When you choose to consolidate credit by consolidating your credit cards, you should also learn to spend only when it is necessary on your new credit card until you complete your new loan.

    Most people shy away from getting loans from direct lenders because they have poor credit scores. This requirement is mainly used by traditional financial institutions like credit unions and banks. Lenders have created consolidation loans that can help you combine all your other payments from multiple creditors into one. This means that your current regular repayment will significantly reduce. Actually, this is a common situation that many people face. This is even clearer with the fact that many debt relief agencies are coming up to meet the growing demand.It is very difficult to track both your spending and regular payments. You will have to spend a lot of time and yet you do not have that time. Ensure that you consolidate credit as a way of dealing with several debts at ago. We will link you to lenders who understand that people have different financial profiles and hence will be handling your case in a professional manner.

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.