debt management programs

What Do I need to Qualify for Debt Consolidation Loan?

admin — Thu, 29 Jul 2010 22:38:28 +0000

Not credit counseling, but debt consolidation loan. Can’t find any good info on the web, so your educated opinion would be helpful. What are credit requirements, home equity requirement, debt service ratio and other factors?

If you know a good resource that would be very helpful as well!!

Thanks.

I get this question all the time as a senior loan officer for a large mortgage brokerage firm. Credit requirements are a little tighter now, but there are still lender who will offer to consolidate your debt if you have the following:

1. Credit score of 680 or higher.
2. Debt to income ratio of 45% or lower (if CR score is higher, then ratio can be higher)
3. Home loan to value can be as high as 95%

for more information go to my website: www.windsorcap.com/rlicon

Debt Settlement Buzz

admin — Mon, 26 Jul 2010 01:26:54 +0000

Eliminate Your Credit Card Debt!
Do you have over $10,000 in Credit Card Debt? Debt Settlement Buzz recommends you Eliminate Your Credit Card Debt and Take Advantage of Debt Forgiveness!
Paying Interest on credit card debt is like Flushing Money Down the Toilet!
Credit card debt settlement services may provide you with a solution that gets you out of debt quickly without needing to file for a bankruptcy.
Debt Relief Specialists will:
-Review your financial situation
-Provide debt relief solutions
-Avoid Bankruptcy with debt negotiations
-Reduce your monthly payments
-debt settlement can save you 35-50%
-Increase your cash flow
-Help you become debt free
Visit us at http://www.DebtSettlementBuzz.com/

Duration : 0:1:17

Technorati Tags: Avoid Bankruptcy, debt elimination, debt relief, debt settlement

Credit Counseling 101: Debt Management VS Debt Settlement

admin — Mon, 26 Jul 2010 01:26:52 +0000

A debt management Plan may be the right option for people who are really struggling to satisfy their debts. For confidential advice from an NFCC trained, certified counselor, call 1-800-388-2227 or visit www.DebtAdvice.org.

Duration : 0:3:55

Technorati Tags: credit card, credit counseling, finance, nfcc, non-profit, payment, saving

Dept Consolidation Help – Bad Credit Dept Consolidation Loan

admin — Mon, 26 Jul 2010 01:26:50 +0000

Dept Consolidation Help – Bad Credit Dept Consolidation Loan Many people experiencing difficulties with debt and seeking professional help will be wondering about the best way to get debt consolidation online. It’s true that most mainstream businesses now have an online presence, and the growing debt management sector is no exception. The advantage of looking for something online is that dubious businesses tend not to do well on the search engines, so companies which are prominent in the natural search engine results will probably be well regarded and professional.When getting advice for debt consolidation online you’ll be wanting advice on two main options. The first option is a consolidation loan. While this seems an attractive proposition at first it does hold terrors a bit further down the line; even though the idea of consolidating all your payments into one big payment with a no interest rate may appear to be good, that loan is more likely than not to be secured against your property, so if you default your home will be at risk. So unless you can really afford to meet those payments over the long term, don’t even consider it. If you want to a really good debt consolidation online service just visit our website at Private Fast Loans.com

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Duration : 0:2:10

Technorati Tags: advance, card, cash, company, consolidation, credit, dept, loan, payday

Debt Management: Credit Boot-Camp™ Unsecured Debt

admin — Mon, 26 Jul 2010 01:26:48 +0000

This is one of Debt Warriors Credit Boot-camp Video Series. We never expected that the sub-prime credit crisis would make this video timeless, but credit repair and winning your war on debt.

Duration : 0:1:17

Technorati Tags: business, collateral, credit repair, debt management, debt settlement, do it yourself, Personal Finance, secured debt, unsecured debt

Truth About Christian Debt Counseling

admin — Mon, 26 Jul 2010 01:26:45 +0000

http://www.TheCreditCardSolution.com- Free Videos on topics including Christian debt counseling. Are they really Christian, and do they really protect your interests?. Learn the truth here.

Duration : 0:1:16

Technorati Tags: christian debt relief, consolidation, counseling, counselor

Mortgage Refinance and Debt Consolidation

admin — Mon, 26 Jul 2010 01:26:42 +0000

Mortgage refinancing and debt consolidation are great ways to reduce your monthly payments, save money on interest, and free up money to spend on the things you need and want. Regina mortgage broker Miles Zimbaluk (http://www.saskhomebuyer.com) provides this presentation. If you’re a Canadian home owner, you can apply online with Miles for mortgage refinancing at http://www.saskhomebuyer.com/apply.html.

Duration : 0:8:5

Technorati Tags: broker, consolidation, debt, group, miles, mortgage, refinance, regina, saskatchewan, saskhomebuyer.com, the, tmg, zimbaluk

Dirty Credit Card Secrets

admin — Mon, 26 Jul 2010 01:26:24 +0000

Financial Contributor Vera Gibbons spoke with Maggie Rodriguez about secret credit card company rate hikes.

Duration : 0:2:27

Technorati Tags: card, credit, dirty, gibbons, secrets, vera

In debt really bad…considering filing bankruptcy..?

admin — Sun, 25 Jul 2010 11:09:48 +0000

Okay, so I’m about 12,000 in debt. I have three credit cards I’m currently paying on. I called a debt counselor and was hoping they could lower my monthly payments. I pay roughly 300 dollars a month to all 3 credit cards. I only get 900 dollars a month, so 300 dollars is a big chunk to have to pay So any how, when I talked to the lady she said I would be paying anywhere from 300 a month to 350! That’s already what I pay now! I just thought that debt counseling or management was suppose to help people lower their payments! I’m just confused as to what I should do. Should I just file bankruptcy?

Thanks

Kim

ok.i was in your boat about a year ago.in this kind of situation,i think you should consider debt settlement.now this does have pros and cons.now if you do go with this option,do your homework carefully.there are a lot of bad companies out there. now most companies settle the debt for about 40%+fee.now the advantge is that you end up paying a percentage of the debt plus fees over a payment plan period.most companies will charge 10-15%.so if they settle you would end up paying 55% of your total debt which is about $6,600.now it will impact your credit because you have to cease payments to the creditors and you have to close the accounts.once you settle the debt,youre score will go back up.this is much better than bankruptcy because it will not have the long term affects.now if you find a company that charges this much,you could do a 36 mo.plan would bring down your payments to about $185 per mo.hope this helps.

Has anyone taken online debt counseling course?

admin — Sun, 25 Jul 2010 11:09:27 +0000

Has anyone taken it through Cricket debt counseling ? At the end of the course, you’re suppose to call and speak to one of their debt counselor. Just curious if anyone went through their company. How long are you expected on the phone and what kind of questions are asked?

The problems with most credit/debt counseling agencies is 1, there is no promise they will help you at all. 2, you have to pay a fee for their services – services you can do yourself.

My advice, if you have a financially savvy friend or relative, sit with them, get your bills and income together and go over a budgeting strategy. If you don’t have someone that can help you with that, look online for budgeting tools, or simply get out a calculator and figure it out yourself – it’s not hard to do, but can be tricky when you’re trying to figure out how much to give this company or that company or which debt to pay first etc..

When you get all that figured out, you yourself can contact the companies you owe and say this is what I can afford each month to pay you. Take it or leave it. They’ll take it, they want their money. Now prior to the "take it or leave" part – Tell them you want an interest freeze placed on the debt. That freeze will stop all debts from growing interest. When you satisfy the debts you will regain access to whatever account it is you froze – unless of course it’s a typical bill, then it’s simply paid off…
Credit companies do work with people, but not many realize that, they are afraid to negotiate till it’s so far out of hand – sent to collections or a judgment was placed etc… Best take action sooner than later..
Avoid agencies, they’re not necessarily all scams, but they rarely help and always overcharge.