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Debt Consolidation and Debt Settlement Options
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     Debt consolidation is the process of combining many debts into a single payment, usually resulting in lower monthly payments. There is also then only one creditor to pay. By some, it is known as a Consolidation Loan however a loan is not the same thing, please see site for more info if interested.     

     There are many debt consolidation firms, though some are not as reputable as others. Choosing the right firm is very importance, as some firms may use dishonest tactics in their consolidation loans.

     After selecting a debt consolidation firm, the firm will get all of your debt and finance information. The firm then calls the creditors and negotiates on your behalf. These lower rates are pre-set by creditors. Usually, the firm can negotiate lower monthly payments, lower interest rates, and reduce or eliminate late fees. This allows you to pay one, lower bill and pay off your debt in 4-6 years instead of 15-30 years.

     In return for this service, you must agree to pay, on time, the agreed upon lower payment while meeting other living expenses. You must also agree to stop increasing your debt or using credit cards. When creditors know that you are working with debt consolidation, they quit harassing you. If they do call, a good firm will usually call them for you and explain the situation.
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Alliance Bible Church in McHenry to host 2 debt seminars (Northwest Herald)McHENRY ? Alliance Bible Church will host debt seminars Saturday and Tuesday.

Thinking of debt consolidation? Talk to us (The Journal News)Thinking of debt consolidation? Talk to us Debt consolidation companies can provide a valuable service to consumers overloaded with overdue bills. But consumer advocates warn consumers to be careful when choosing a debt consolidation company.

India's External Debt Surges 30% (Nasdaq)(RTTNews) - Friday, India's external debt surged by 30.4 % to $221.2 billion in 2007-08, mainly due to the rush by corporates to raise cheaper funds abroad following high interest rates on bank credit back home, media reported.

How to help others dump their debt burdens (Independent Online)If you have financial experience and are caring and compassionate towards people in need, then a career as a debt counsellor might be just the thing for you. Charlene Smith reports...

Singapore gambler ordered to pay up 4.4-million-dollar Vegas debt (EARTHtimes.org)Singapore - A Singapore businessman who lost 4.4 million dollars in Las Vegas and then left the US was ordered by court to pay his debt in a landmark ruling that could impact future SIngapore casino debt recovery, The Strait Times said Friday. Poh So...

Credit Card Debt 101 now in session (Eureka Times-Standard)Q: My husband and I make good salaries, but we have maxed out our credit cards and we are in debt. We work hard and have always wanted the best especially for our children who expect designer clothes, cell phones and all the newest gadgets.

Wall St. weighs Alabama debt offer (Reuters via Yahoo! News) Wall Street financiers face no strict deadline on a proposal to restructure $3.2 billion of auction-rate and other debt from Alabama's Jefferson County and may respond by next week, a county official said on Thursday.

RAM REAFFIRMS AA3/P1 RATINGS OF SABAH PORTS' ISLAMIC DEBT SECURITIES (Bernama via Yahoo! Malaysia News)KUALA LUMPUR, Sept 5 (Bernama) -- RAM Rating Services Bhd (RAM Ratings) has reaffirmed the long-term rating of AA3/P1 ratings of Sabah Ports Sdn Bhd's Islamic debt securities with a stable outlook.

India's external debt up by over $50 bn (Business Standard India)India?s external debt went up sharply by over $50 billion for the financial year ended March 2008 ? the highest year-on-year increase ever in last 18 years.

South Africa: Household Debt Falls for First Time in Five Years (AllAfrica.com)HOUSEHOLD debt fell for the first time in nearly five years, while the broadest measure of domestic consumption shrank at its fastest pace since 1999 in the second quarter of this year, the Reserve Bank said yesterday.