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ody has a goal for getting into deep financial trouble, but as they say, life happens and things do not always go the way that our plans dictate. If you find yourself with a mountain of debt that you cannot see over the top of or even begin to wonder when things will improve [link widoczny dla zalogowanych], you may wish to consider Debt Consolidation Services.
This is a much better way to go than bankruptcy. With bankruptcy, you may not even get approved to file, based on the new changes in the bankruptcy law. In addition, there are certain kinds of debt that are not wiped out via bankruptcy. Lastly and most importantly, bankruptcy will leave a huge blemish like a big red flag on your credit report for the next 7 to 10 years, alerting future potential lenders of your bankruptcy, and you will have a more difficult time finding credit and getting less-than-ridiculous interest rates even if you do get approved.
Unfortunately, sometimes we can be a victim of our own circumstances. A high unexpected medical bill, a job layoff, a messy divorce [link widoczny dla zalogowanych], and a host of other things can serve to upset our financial apple cart. Equally as unfortunately, it is far too easy these days to whip out that credit card and not even think about the high interest charges that will come next month, or the fact that if you go over your credit limit, that is also a huge blemish on your credit report, and will have a negative impact on your resulting credit score.
By contrast, a debt consolidation services company does not appear as a blemish on your credit report in the same way that a bankruptcy does. But at the same time, a debt consolidation company is not a loan company. They do not provide you with a loan to get your debts paid off. Rather, they work with you to analyze your debt, provide counseling, and negotiate with your creditors to lower your interest rates, reduce your payments, and many times are quite successful in getting late fees waived.
The credit counseling they provide can be a life saver in itself, since they have trained financial experts on staff who understand credit, they understand how one can get into financial trouble, and can work with you to create a balance and a budget that you can live with.
Once all is set, the debt consolidation company pays your creditors for you, but only after you make your payment to them. This also simplifies your life greatly [link widoczny dla zalogowanych], since instead of sending out 25 or more payments every month, you are only making ONE payment every month to the debt consolidation company, and they in turn pay your creditors. Do not miss your payment to the debt consolidation service since if you do not pay them, they will not in turn make payments to your creditors.
The big advantage of using a service like this is that your payments are reduced. If the sum total of all your bills used to be say $2500 per month, it is not uncommon for the amount that you need to pay to the debt consolidation company to be HALF of that or even less. This gives you a tremendous amount of financial breathing room so you can get your financial act back in order.
Consider a debt consolidation service today if you are in financial trouble. Doing nothing about your financial difficulties is only going to make it worse in the long run.