http://backend.userland.com/rss092 http://www.debtconsolidationcare.com/rss/most-popular.xml Most Viewed Articles denny@debtconsolidationcare.com Sat, 19 Aug 2006 10:51:21 GMT en-us http://www.debtconsolidationcare.com/signup/index.html http://www.debtconsolidationcare.com/signup/index.html For a free no-obligation consultation from a credit counselor, please fill out the short form below, and you will be contacted at the earliest. {include file="withinpagead.tpl"} Get started by filling out this free no obligation form. A counselor will contact you on phone as soon as possible.What to expect after you signup. http://www.debtconsolidationcare.com/procedure.html http://www.debtconsolidationcare.com/procedure.html Once you fill out the signup form: Step 1: Our system matches you with the company which can best fulfill your needs. The company is chosen from the ranking chart and the feedbacks that other people just like you have given over the years about this company. This matching is done automatically without any human intervention. So you can be free of privacy concerns. Step 2: A consultant from that company calls you over the phone for free no obligation counseling. Step 3: The consultant makes a thorough evaluation of all the detailed information, specifically: Total Unsecured loans like credit card debts. Total Secured loans like car loan and home loan. Principal / Interest component of the total of each debt. Step 4: With your approval the credit consultant will call the creditor to negotiate, in order to reduce your debts, cancel interest and other penalty charges. Step 5: Once the amount is reduced your debts will be consolidated into just one payment, so you can avoid dealing with multiple companies. Step 6: The debt consultant interacts with you to understand your budget and then comes up with a payment plan that suits you best. Step 7: The consultant gives you advice on budgeting and credit repair so that you may not have debt problems again in the future. For a free no-obligation consultation from a credit counselor, please fill out the short form below, and you will be contacted at the earliest. {include file="withinpagead.tpl"} http://www.debtconsolidationcare.com/fees.html http://www.debtconsolidationcare.com/fees.html If you choose debt consolidation, it is always important for you to know the cost of the service offered to the client. You do not need to pay us anything for helping you to decide: If debt consolidation is the right choice for you? If yes, then which is the right consultant to work with? How much will it cost you? A quick question that would come to your mind is how we can offer these services for free. We can manage to offer these services for free since the consultants pay us a membership fee. This is the same business model as that of BBB(Better business bureau). Consumers don't have to pay anything to BBB to get references to the companies from BBB. BBB charges these companies a membership fee. Once we find the right consultant for you we will disclose to you very clearly what the fees are for that consultant. They may not charge you anything or They may charge you a small monthly fee or They may be non profit making with voluntary contributions. http://www.debtconsolidationcare.com/calculator.html http://www.debtconsolidationcare.com/calculator.html Debt Consolidation Calculator Use this calculator to consolidate your multiple debts into a single amount. {assign var="message" value=''}{include file="withinpage-free-question.tpl"} Simple Total Debt Calculator Calculate the total debt before proceeding for any further calculation, you can use this simple calculator. Credit Card Payment Calculator This Calculator will show the time required to pay off the debt under fixed monthly payment. APR Calculator There is difference between APR and interest rate. APR is calculated using a slightly complex formula, when compared to calculating interest rate. Use this calculator to get the real APR. Also see the effect of reduced APR on your debts along with a detailed payment plan. Debt Income Ratio Calculate the debt income ratio, this will help you check your debt warning level. Reduction Calculator With a debt consolidation program, you can save as much as 60% of your total debt amount. Calculate your saving through this debt reduction calculator. http://www.debtconsolidationcare.com/debt-free.html http://www.debtconsolidationcare.com/debt-free.html With the alarming debt records in the present age, it is time you evaluate your debts and plan ways to get rid of them. Millions of people have transformed their debt obligations into a learning experience, and have been successful to become debt free. It is important to be debt free since severe debts might lead to lawsuits, loss of property, and spoil your credit reports. {assign var="message" value='Ask the community members a free question'}{include file="withinpage-free-question.tpl"} Click Here for most suitable debt solutions with free counseling andamp; analysis.8 milestones in your journey towards a debt free lifeStudy your credit report and evaluate your debt: The stepping stone to be debt free is to admit that you have debt, and are willing to be a free bird. Evaluate your credit report carefully and calculate the amount of debt you owe. The bill payment history in your report is a proof of how regular you had been during your past payments. Clear the accounts with the higher interest rates first. This will help you to save a lot of dollars. Without having a clear picture of your financial standing, it is very difficult to solve your problems. Budget your expenses and avoid adding even a single dollar to your debt amount: It's time you stop being a spendthrift. Change your spending habits. Keep a careful trace on the amount you earn and your basic expenses. Try and curtail your expenses as much as possible. This is all about changing your ways in life. By all means do not let a single dollar to be added to your already over burdened debt condition. For example it will be wise to use a debit card instead of your credit card. In this case you can only use the card if you have money in your account. Squeeze out extra money and accelerate your repayment: Curtail your present modes of lifestyle and shell out some extra dollars to your creditors in order to clear your debts faster. You can also try out a part time job and save some extra dollars. Take one account at a time. Clear your account with higher interest rates first. This will help you to save a lot of dollars. Choose the right method to clear your debts: There are various options for debt solutions. But selecting the right option is what matters most. You must be aware that one wrong step can ruin your future. The choice of your debt solution method should ideally depend on the type and amount of debt you are undergoing. We equip you with a detailed discussion on the various options in our debt solution section. Further we advice you on what is the right and the most suitable option for you. Choose the right firm: Debt consolidation firms are growing like pubs all over America. It is thus very important for you to choose the right firm to seek help from. Take the help of our Ranking Chart to choose the most reputed firm in your locality. Eliminate credit cards: Close the account immediately once you have finished paying the debts for a particular credit card. Keeping the card with you can further cause temptation to use it. Never roll balances from one card to another as this has got some disadvantages. With every new card you have, you generate an outstanding open credit line. This will also be reflected on your credit report. Moreover, lenders might not allow you to roll your balances. Keep in mind that introductory offers are quite tempting but may not be all that good after a certain period of time. With careless moves you could be stuck with high balances. Be careful about the equity in your home: The rates on home equity loans are much lower when compared to the rates charged on outstanding credit card balances. Further the interest on a home equity loan may be deductible. All these factors added up have tempted the Americans to withdraw billions of dollars on equity in their homes. However, keep in mind that the money is used to repay credit cards, which are again hiked up. Take professional help: Overspending for some people are a psychological problem. It can be a habit or an addiction like alcohol, gambling or taking drugs. Social problems like divorce and loss of a job or unavoidable emergencies like physical ailment can also be a cause. In such cases you are required to take professional credit counseling. Following the above mentioned suggestions with consistency will bear fruitful economic results in the future. Look at your present situation as a andquot;learningandquot; experience and you will be debt free very soon. {include file="highlighted-topics-debtfree.tpl"}