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Debt Consolidation

Debt consolidation can be a great resource to manage all your debt – including loans, credit cards, and medical bills. But before you apply, make sure it is the best solution for you.

  • Improving Your Credit

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Your credit score is a huge factor that lenders use in determining whether or not to give you a loan. It's important for you to understand your credit history and how it affects your credit score. Only then can you take steps toward improving your credit. What is a Credit...

  • Debt Management

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Debt management may not seem like it's the most interesting or exciting topic, but for many, especially those who are deep in debt, it can be vital. Being responsible is the key to dealing with debt. If you aren't being conscious of your income and spending, working through...

  • When to Consolidate Your Debt

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Debt consolidation is something to consider if you have a lot of debt at varying interest rates and payment plans. Learn more about this method to get you out of debt.

  • Debt-to-Income Ratio

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Your debt-to-income ratio is a widely accepted way of measuring how deep into debt you are. Many lenders use it as a factor in the pre-approval process of getting a loan. The ratio compares the amount of income coming in to the types and amount of debt you have. The Two...

  • Credit Repair Organizations

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Bad credit can be difficult to deal with. It stymies you from being able to take out a loan, buy a car, or get insurance. There are agencies out there that make promises to clean up your credit for a fee. This may be the action you want to take, but knowing what you can do on...

  • Bankruptcy

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Bankruptcy is not necessarily the state of having no money. For our purposes, concerning debt management , bankruptcy is a legally declared inability to pay creditors. Creditors can report their debtors as bankrupt, but it is more common that "voluntary bankruptcy"...

  • Consolidation FAQs

    Patrick Hanan  Posted by Patrick Hanan on June 15, 2010

    Debt consolidation can generate a lot of questions -- find out answers to some of the most frequently asked questions when it comes to consolidating debt.

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