Debt Consolidation Lending - - find help with debt right here...
More About Debt Consolidation Lending...
Warning: Debt Consolidation Can INCREASE your debt!
Debt consolidation is supposed to help you manage your debt to get free of it. You combine all your bills into one, and then lower your monthly payment. Then why are so many people finding themselves with the same debt load two years later? Simple, they treated the symptom, not the underlying problem. Your debt consolidation will only work if you treat the cause.
CAUSE 1: You are very sick and/or had a major accident
In this case, the best you can do is tough it out until you get better or receive a major settlement. Stay current on all your non-medical bills, then negotiate the medical ones (or use debt consolidation). As strange as it may seem, your light bill should come before your doctor.
There are people to help. Your hospital probably has someone on staff to help you find them. Let your medical care providers know that you are going to pay them, in time. Most doctors will work with you on a payment plan (or in debt consolidation). Prescriptions are trickier: try Canada. Medical bills are the largest cause of bankruptcy in America by a large margin. Look for help now before you get that far.
CAUSE 2: You are/were a graduate student
Graduate school leaves you even more in debt than undergraduate. There are post-graduate student loans that can help you with debt consolidation on the debt that you got into when your student loans didn't cover bread. Also, use your research skills on budgeting and debt consolidation to figure out your finances.
CAUSE 3: You don't make enough
What is enough? Are you living in a big house? If you are living in cheap housing for your area and have a reasonable car note, it might be time to polish your resume or go back to school. For you, debt consolidation will only be part of the solution. Also, look into government assistance. There is no shame in asking for help.
CAUSE 4: You and/or your spouse have a spending problem
If you send your husband for a snare drum and he returns with a drum set, you might have a spending problem.
If you give your kids a brand new car for graduation, you might have a spending problem.
If you check your Ebay auctions three times a day, you might have a spending problem.
If you walk into your favorite family restaurant and the wait staff cheers, you might have a spending problem.
If your Chihuahua has a diamond studded necklace and a weekly massage, you might have a spending problem.
You either need a therapist or a financial counselor with a budget plan, or both. Debt consolidation will only work after you fix your spending problem. Otherwise, debt consolidation will just allow you to spend more.
CAUSE 5: Creativity
If you have creatively found a way into debt, like starting a law firm, you need a unique solution. Talk to a certified credit counselor. Debt consolidation may or may not be right for you.
Can't pay the bills anymore? Get non-profit, 100% online debt relief.
Click here for more info
Contact |
Bookmark this page! |
Privacy |
| Help |
SiteMap |
Debt Consolidation Lending (Home)
copyright ©2007 fundconsolidation.com
debt consolidation lending | refinancing loan | debt consolidation home mortgage loan | settlement loan
Webmasters: this website is hosted by
BlueHost, web hosting for professionals, around the world.
|
