Credit Card Debt Consolidation - 3 Warning Signs

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					                                                   Presented by Daniel Toriola


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                                       Credit Card Debt Consolidation - 3 Warning Signs
                                                                 By Michael Harris



   Virtually all of us are overwhelmed with charges such as credit cards and car loans, therefore we are
calling on credit card debt consolidation services to assist us in recovering command of our monetary
resources. And it is a beneficial thought, because many debt consolidation services may additionally
assist you to lower your interest rates and monthly payments.

However there are a few dishonest people out there, and that implies that you have to look out for
swindlers whilst you are searching for a Debt Consolidation Service on the web. Following are three
cautionary signs of a dishonorable company.

1.Enlarged, exorbitant fees

A few companies level a fee of $100 simply for going over your account statement, oftentimes masked
as a "credit analysis." Other people extend an "educational program" comprising of by and large
costless forms, letters and data accumulated off online sites. The price for this "educational activity"? It
may be as inflated as $1,500! Be suspicious of any company that presses for up-front payment prior to
you obtain any kind of service or materials.

2.Improbable assurances

"Your monthly defrayment will comprise one-half of what you are presently bearing!" "We will get your
rate of interest decreased to zero percent!" "You will be paying lower payments in merely two weeks!"
These kinds of overstated promises are contrived to entice you in, and they are seldom reliable. No
one can shape miracles, and they surely can not shape them in only two weeks. Anticipate it to take at
the least a month--and in all likelihood longer--before you experience the results of debt consolidation
on your finances.

3.They establish first contact

Any company that sends out spam, cold calls your house, or sends you junk mail is angling for a fee.
Chances are they simply desire your money, and when they latch on to it they will extend extremely
little in terms of services. Most honorable companies will wait for you to get hold of them.

You will be able to always double check a Debt Counseling Service with the Better Business Bureau to

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                                                 Presented by Daniel Toriola


ascertain if any charges have been lodged against the company. You could, as well, look at inquiring
family and friends if they possess any experience with the service.

Armed with the knowledge found in this short but informative article, you can now take solace in the
fact that you are more than ready to venture onto the web and find the credit card debt consolidation
company that will serve you best.

Get the facts on credit card debt consolidation and credit card debt at "
target="_blank">http://www.squidoo.com/creditcard-debt-consolidation




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                                                   Presented by Daniel Toriola


                      Credit Card Debt Elimination - When To Consolidate Credit Card Debt
                                                              By L. Sampson



 Maybe you have a few too many credit cards, or perhaps you just can't keep your financial paperwork
organized. When it seems like the bills are becoming overwhelming, you may want to consider
consolidating your credit card debt. Here are some warning signs of debt overload:

You can't keep track of your bills.

If you have four, six or eight different account statements coming to your mail every month, it may be
hard to keep track of when all the payments are due. Although an organized bill-paying
system--including a calendar and central bill-paying location--can help, sometimes folks are just too
busy or too overwhelmed to cope with all the paperwork. A debt consolidation service can help you
organize your bills and limit your paperwork to just one single monthly payment.

You've stretched your budget.

Sometimes it might be a matter of spreading your money too thin. Have you ever waited to pay one bill
because you needed the money to pay another bill? Have you ever borrowed from one credit card to
pay another credit card company? If so, chances are your credit is overextended. If that's the case, a
debt consolidation service can often help lower your interest rates and your minimum monthly
payment, making it easier for you to pay your bill each month.

The phones have started ringing.

No matter what the reason--lack of organization or a stretched budget--once creditors start calling you
and demanding payment, it's time to take a close look at your financial situation. At this point, you may
have damaged your credit history and lowered your credit score. However, you can repair the damage
with a debt consolidation company. The service can help you get your monthly payments back on
track, and they can negotiate with your creditors so that fewer black marks are put on your credit
report.

If you see any of these warning signs of debt overload in your own personal life, you may want to
consider credit card consolidation. By utilizing a debt consolidation service--or consolidating your debt
on your own with a loan--you'll improve your credit history, help avoid negative marks on your credit
report and increase your chances of getting a favorable loan or credit card in the future.

Visit Debt Sanity to view our http://www.debtsanity.com online. Also, visit Debt Sanity to find the best
http://www.debtsanity.com/the_dangers_of_credit_card_debt.shtml online.




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Credit Card Debt Elimination - When To Consolidate Credit Card Debt
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