Monday, February 26, 2007


Debt Consolidation: What are the Options?

Knowing that you need help to get out from under your debt, you search for solutions. One possible solution is debt consolidation. There is more than one way to consolidate debt, and some are less than helpful.

First of all, you will want to take your financial temperature. Calculate how much you owe for each credit card and other loans. Figure up how much you have been spending each month and compare it to how much you have in income. An accredited credit counselor may be the best way to go to help you figure out your financial health. You also might find it handy to use an online debt calculator to give an estimate on how quickly you will pay off your debts.

Once you have determined your financial status, you can make a much more informed decision on what type of debt consolidation might be right for you. Some banks and other creditors offer debt consolidation loans. However, if you have poor credit due to late or missed payments, you most likely will receive a high interest rate on the loan that won't save you over what you are already paying for interest. Also, you may not qualify for this type of loan.

Another possible debt consolidation option is to sign up for a debt management plan. A debt management plan also allows you to consolidate your payment down to one a month, but you still owe that money to each of the creditors. Instead, you will pay the debt management company each month that will then pay on each bill a specified amount. This can save you by allowing you to gain lower interest and fees on the accounts.

Seeking help for mounting debts is a wise course to pursue, but make sure you proceed with wisdom as well. If you do not have the patience to learn about all of the debt consolidation options, then you should at least make sure you choose the right debt consolidation company. A reputable debt consolidation company will have a satisfactory rating with the Better Business Bureau and will gladly tell you how their fees are determined. Once you are comfortable with your choice, make sure that you follow through on your selected course of action.


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