re (Guest) - WTF is this? A blog from Capt Obvious? Your blogs SUCK big time.

shirley2009me - wow,good idea,I may try to your suggestion.thanks

- nice information for all the people.

Number1Femme - great info

- dont pick the right one!!!!!!!

anne_20002002 - good post

sorabh2312 - thanks

- Thanks for the info...

babecollector - nice article.

- good one

- thax for the info

jebsmommy - Nice post. Much info

- great posting. thanks to you. keep it up.....

xwhiteshadowz - very nice

clint anthony - great..tnx for sharing this

- good one..

szack - Good job

- Thanks for sharing this info. Great article. Keep it up.

sweetestcrammer - great!

leira03 - now i know what is mine. :))

nagasri - Nice one thank you for your information

- great one. keep it

rosiej - THANK YOU FOR SHARING,

- good one

- nice one thanks

belleph - i agree this is good...a brillant advice.

lingesh - thanks for the great advise!

lingesh - Nice advice which makes a lot of change in my life thanks a lot

- well my issue is that you won't get any debt consolidation loan in India...I tried various banks but no use.

haimanyam - Nice advice which makes a lot of change in my life thanks a lot

- thanx for sharing such a good & effective thinking, its a nice one......i  really agree with all the different procedures, keep going

- good thinking. actually all the ways are wonderful.........

strmek - Good one!

strmek - Very useful one, thanks!

jdmanuel - keep those good advise! by doing this it helps a lot people who read this!

szack - Lets destroy debt!

- Thank's

- Nice piece of Information..Thnx

- dont pick the right one.......

- thank you for such profound analysis.

bandulf - yeah destroy debt ... it can only be a future problems .. ^_^ thanks for this blog

- i believe trying to get to have a debt or credit counselling may worsen some people's view of the matter. but then again, it sure depends on the person involved. thanks for sharing this information with us...

sunroyal - thnx a lot for share this blog

- Nice article.. thanks for posting..

- Good

anne_20002002 - informative article thanks...

- great job..thanks

sarcalibods - Good detailed article.

sarcalibods - Thank you for this great review!

krilalitika - Very useful post.

krilalitika - Your article was good. Thank you!

- explained very well.useful info.

- Theses are very practical ways to save money

- thank for ur suggestion....

parulg - Thanks for this information.

rakesh284 - Thanks for sharing your knowledge.I am planning to ask about it my bank.It was really helpful

pagadala - really impressive blog

pagadala - it will be done if future.....

oreocookie3 - Thank you for your advice. I am learning a lot from articles such as yours.

- Very useful and informative post. Thanks.

- thank you.........

- it will be surely done.

hinatakun - Really nice article! Great job!

- nice information....

ruel_ortilla - 100% appplicable...great!!!!

- Debt Management Plan---I like that. I think I need this asap.

- If you’re like most people you want to ease the debt burden, but don’t want to ruin your credit with bankruptcy. Debt consolidation may have crossed your mind as a possible solution.

timliu7777 - good information

belleph - I never know about this before. Thank you for posting this article.

- very very helpful, hopefully useful, thanks for your information, it is very valuable and important for me

- good blog..

Taface412 - It's amazing that many people do not know about this type of repayment.  And considering everyone wants to be repaid you would think lending insitutions that want steady payments would inform people.

I love my consolidation agency.  cambridge helped me pay off 3 cards from college and currently medical bills.  for a low fee.

Thanks for the article.

- Good to know that there is debt consolidation to those who really wanted to pay their debt

- well I appreciate the article but my problem is my country, India there is no such plan available..and I don't know any international company which deal with such plans.

- Thanks for sharing. I personally do balance transfers with my credit cards to save on the interest.

5678 - what a great help for me. thanks for the information

rsa10 - I never realized that I am partly using the debt conolidation on my credit card byt transferring balances to my credit card that charges me lower interest payment monthly.  But still I find it a little bit hard to manage from time to time.  I hope I could find a much better solution like the DMP because I believe there is none of it from my place.

rofizarkasih - You just gave great suggestions. Thanks!

- i will try  to use it

aliaslucs - great, thank you for this information

-  
I think that consolidating funds is good specially if the rate is less. You can really achieve paying less and save money too.

niitesh - To be honest i have been using this method for quite some time. Transferring balance from my credit card account is what i do the most to clear my debts.I transfer from zero interest account and clear the higher interest debts most of the time,

WoolF - good info..i'll be shure to use it!

- Great advice!

aida0205 - what a great idea.. thanx

Cfrance - thanks for your ideas. Your article gives some real useful information.

mhonlie - thanks for the information.

- I like the idea, it's very informative.

- Thanks for your suggestion .

- yes you are right but it seems to be hard to do.

- thanks for sharing ...
this is good one

shruthi - But it seems not an easy task .

- Basically it is looking at the root of the problem and facing that issue and not solving those bigger problems because you did not solve that inner problem.

The problem is with our spendthrift issue. Stop buying things that we can't afford!
If you want to be able to afford it ask yourself, how you can earn more or read up the book "Rich Dad Poor Dad" by Robert Kiyosaki. It's a pretty good book.

Raven - Debt consolidation is nothing more than a band-aid quick-fix that does absolutely nothing toward fixing the bad spending habits that put people in their financial mess in the first place.

The easiest, proven way to reduce debt is to alter bad spending habits, learn to live below your means and avoid incurring further debt.

melissa (Guest) - The three national credit bureaus each have their own version of the FICO score with their own names. Equifax has the Beacon system, TransUnion has the Empirica system, and Experian has the Experian/Fair Isaac system. Each is based on the original Fair Isaac FICO scoring method and produces equivalent numerical results for any given credit report.
The fastest way to improve these numbers is to dispute any errors on your report and have them removed.
[Link Removed]

Carolyn - It's good to know there are ways to dig ones way out of the finacial muck heap. Thank you for this information.

tbates - Risking Debt Settlement For Debt Freedom - What Is The Real Risk Factor In Debt Settlement

 

People are a creature of habit, and get comfortable with their direction and are uncomfortable with change. When your faced with mounting debt, and no money left at the end of the month you have heavy decisions to make. These decisions should be well thought out, and calculated. Don't rush into anything, take your time, don't let anybody push you into anything.

Heck even do some shopping around. "OOPS, if your reading this and have mounted Credit Card Debt you have probably already shopped around. If you want to keep paying interest on the accounts and seeing nothing change on your amounts owed do what you have been doing. And you will keep getting nowhere and letting the banks control your finances and future.

Ask yourself these three questions then weigh the risk of debt settlement:

1. If you lost your job today and had no money on hand where would you get money to feed or house your family?

2. If you lost a loved one after loosing your house and job how would you provide for your other family members?

3. If your family lost you today, and had no money saved, how would they continue?

They money your wasting now on unsecured debt, stretching to get by can and in most cases will impact your entire family at some point. The decision to take control and rebuild is a decision only you can make. The risk is far less than doing what your doing.

Below are key factors in choosing a debt settlement company to assist are listed below.

* Does the debt settlement Company you are considering report to any of the three major credit bureaus about your enrollment in their program?

* Does the debt settlement company you are considering have IAPDA certified debt arbitrators? IAPDA certified debt arbitrators possess a solid understanding of the laws governing the Debt Settlement industry and fully understand your current financial situation.

* Does the company offer any type of service guarantee? If so, what is the guarantee? If a company can not get settlement on your debt, you should never have to pay a fee, or the fee should be fully refunded.

* Does the debt settlement company you are considering belong to the United States Chamber of Commerce? If so, is the Chamber an accredited member of the Chamber of Commerce of the Unites States?

* Is the debt settlement company you are considering a member of the Better Business Bureau? If they do not advertise this, you can always inquire with the BBB first.

Knowing the risk of doing nothing, your risk in debt settlement can will be different for every person. They can include collection calls "we can stop most all of them", You will get letters from the banks "you get them now" Your credit score will suffer "you don't have a credit report now" you have a debt report. Other risks could include an attorney telling to pay up. In most cases and attorney is not even involved, yet the collection letter comes on his letter head. Biggest risk of all is "YOU BEING IN CONTROL". That is a risk the banks don't like to take so they can and will settle with the right approach.

In order to lower the risk in debt settlement, be sure you have searched the BBB report, make sure the company you use is an active member of the United States Chamber Of Commerce and IAPDA Certified. This will increase your chances of reaching your desired goals.

Tom Bates, CDA