dating Directory

dating Articles

WRITERS WANTED! (click-me)

Feature Article:

The Top 10 Clues You’re Dating a Married Man
Make no mistake, married men who are fooling around can be wonderfully attentive and romantic. He can be emailing you and calling you all day long, filling your hungry heart with affirmations you never dreamed of, showering you with gifts, and...

8 Deadly Dating Mistakes To Avoid!
Are you dating or in a serious relationship? Did you realize that very often we make the same dating mistakes over and over again? As outlined in my book "the Ultimate Online Dating Handbook" sometimes these mistakes can lead to losing the date of...


Consolidating Debt & Debt Reduction Without Owning A Home

worldabooks.com       Navigation

You have two options to consolidate and reduce your debt if you don't own a home. First, you can use the services of a debt consolidation agency. They will negotiate lower interest rates and smaller payments. The other option is to take out a personal loan and pay off your debt. The best option depends on your financial situation.

Debt Consolidation Agency

Debt consolidation agencies, also called credit counseling, offer many credit services. Their primary job is to help you pay your debt and bills by negotiating lower rates and payments with creditors. If you have bad credit or on the verge of bankruptcy, this service might be your best choice.

You aren't charged any fees by these agencies since they are funded by financial companies. Financial companies don't want to see you declare bankruptcy and not pay them back, so they are willing to set up alternative payment plans.

Besides consolidating and reducing your debt, you can work with credit counselors to improve your credit. They can offer you advice on creating repayment plans, saving goals, and future financial strategies.

Personal Loans

You can also decide to use a personal loan for debt consolidation and reduction. With interest rates typically lower than credit card rates, you can reduce your payments by hundreds. One payment also makes it easier to pay than several small bills.

With an unsecured personal loan, you will need to have decent credit and steady income. Once you pay off your other debts, you can decide to leave those accounts open for emergencies or close them.

Before you pay off all your bills with a personal loan, make sure you have researched several lenders to find the lowest rate. Also be sure that you find a rate lower than what you are currently paying on your bills. Personal loans are usually prime plus 2% to 5% higher.

Explore Your Options

Before committing to either option for debt and bill consolidation, research your choices. Request quotes from lenders to see if you can find a good rate on a personal loan, but also talk with debt consolidation agencies to see what they can do for you. Choose the option that can lower your rates the most given your credit history.

About the author:

See my recommended Debt Consolidation Companies online. Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.


More Reading:

Understanding The Risks Of Online Dating

Dating Mistakes Females Make

How to post the perfect picture on an online dating UK website

Dating for Adults Making the Sexual Connection

Is Online Dating Right For You

10 Must Have Online Dating Tips

Making A Love Connection Online Dating

Personals Chrsitian Online Dating

Personals Advice For Seniors Dating Online

Dating Advice Love Shouldnt Hurt

dating Home

dating Directory

Additional Reading

Online Dating: 4 Mistakes to Avoid
Did you catch the dating mistakes made during episode one of ABC's "Hooking Up" documentary series? If you caught the episode on July 14th, I'm sure you would have noticed what doesn't work when it comes to dating... Mistake #1: Using an old photo ...

Adult Dating
Today's cyber world has change the way we date. In the old days, we met our partners on a blind date, via some friends, at a party or alike. Now days, we have the online dating. As the world became more and more "open minded", people have the...

Making Dangerous Dating Assumptions
When men and women are dating, they always seem to make assumptions about what is going on in the other person's mind. They have already decided on what the other person is thinking, what the other person wants, or what they need. Assuming things...



Internet Search for: debt, consolidating, dating

[an error occurred while processing this directive]


Copyright    worldabooks.com