Avoid a Debt Consolidation Scam
If you want to consolidate debt and enjoy great savings on your debts and loans, you need to select your debt consolidation program or company carefully. While many organizations and companies that consolidate debt are reputable and are eager to really help you get your financial life in order, not every company out there is reputable. To stay safe, always:
•Choose debt consolidation companies that have been in business for a while and have actual expertise. Always check to see how long a company has been in business and what type of education and training staff members have. A reputable company will have staff and counselors who really understand finances.
•Choose the most reputable debt consolidation companies you can. Check to see that the companies are registered in your state or place of residence and make sure that the company posts its privacy policy as well as its contact information prominently on its website or in its pamphlets. Distrust any company that makes it hard for you to contact them and be wary of any company that does not allow you to review any contract you have to sign. Always read the fine print before signing any agreement with any company.
•Choose debt consolidation companies that listen to you and answer all your questions. Ideally, any company you decide to do business with will offer free initial consultations so that you can get your questions answered and so that you can see what the company is like.
•Choose debt consolidation companies that actually help. Reputable companies will be in good standing with the Better Business Bureau and will have a list of satisfied customers.
•Choose debt consolidation companies that offer good services. Ask what services a company offers for free or for a charge. A larger roster of services may mean that you will have more debt management options to really get your finances under control.
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- Consumers Save Money on Holiday Gifts with Free Tips from CareOne Credit Counseling Agencies (PRWeb)
Providers of CareOne Credit Counseling Services ( www.CareOneCredit.com ) have released a collection of free tips to help budget-conscious consumers save money this holiday season, and stay out of holiday debt, with low cost gift ideas. (PRWeb Nov 18, 2008) Read the full story at http://www.prweb.com/releases/holiday/giftideas/prweb1631274.htm- Consumers Save Money on Holiday Gifts with Free Tips from CareOne Credit Counseling Agencies (PRWeb via Yahoo! News)
Providers of CareOne Credit Counseling Services (www.CareOneCredit.com) have released a collection of free tips to help budget-conscious consumers save money this holiday season, and stay out of holiday debt, with low cost gift ideas.- The Debt Diet: Ways to Trim Unsightly Bills (WallStreet Journal via Yahoo! Finance)
Carrying around a few thousand dollars in credit-card debt in this crisis can be dangerous to your financial health.- Ask the Experts: Forgiven debt may mean a tax bill (The Sacramento Bee)
It may not be tax season, but tax-paying questions still abound. This week, Internal Revenue Service spokesman Jesse Weller answers readers' queries on canceled debt income and contest prizes. Weller is part of The Bee's "Ask the Experts" team of online specialists, who answer questions on estate planning, personal finance, banking, investments and taxes. To see more questions – or ask your own ...- THV Extra: Arkansans and Debt (KTHV Little Rock)
Thousands of Arkansans are having trouble making ends meet. The U.S. Bankruptcy Court says every year more than 24,000 people in the state file for bankruptcy.- Should You File for Bankruptcy? Filings Are Up Nevada (KTVN Reno)
With money so tight, more and more people are turning to bankruptcy to get out from under debt. "Sometimes bankruptcy is a better option to start fresh to move forward with your life," says Jill Perry with Consumer Credit Affiliates.- Business is booming for debt-consolidation companies as more people seek help (BizJournals)
A year ago, Sarah Leineke had 150 clients. Now, she has more than 450.- A helping hand (The Times West Virginian)
Has your credit card debt gotten out of hand? Have doctor bills piled up? Or have you considered buying a home but need some education on the impending mortgage procedure?- Holiday saving | By Jennifer Leigh Johnson Loveland Reporter-Herald (Loveland Reporter-Herald)
Christmas carols, festive decorations, tidings of joy and the gift of giving are part of the holiday season. But when the gift of giving leads to overspending, the consequences may not be so joyous. Preparing a holiday budget can help individuals avoid unnecessary spending as well as post-holiday debt and stress.- As Unemployment Hits the Northeast, South and West, over 10 Million People are Looking for Work (PRWeb via Yahoo! News)
Consolidated Credit Counseling Services offers tips for surviving a layoff after losing a job.Article Copyright 2000-2008 Consolidate-Debt-Today.com All rights reserved.