Debt Consolidation Loans - A Great Way To Lower Your Bills

Written by Suvadip Das

Continued from page 1

A debt consolidation refinance loan can enable you to eliminate debts and save money. Even if your credit history is less than perfect, you can refinance your home and consolidate your debts with one easy application. Multiple lenders who can assist you during each step ofrepparttar refinancing process will contact you within hours after receiving your application. You'll get no-obligation quotes from lenders who are eager to advise you aboutrepparttar 149511 numerous options that are available to you. If you completerepparttar 149512 short online application today, you will soon be on your way to a debt free existence, free fromrepparttar 149513 stress and pressure created by those high interest debts.

Debt Consolidation Solutions Now you are aware how millions of Americans are finding it hard to pay their bills and get out of debt. Many are turning to debt consolidation for help. Whilerepparttar 149514 biggest problem seems to be credit card debt, other debts such as tax debts, medical bills, student loans and personal loans can all be included in a debt consolidation plan.

Process Debt consolidation is a simple process that can be done overrepparttar 149515 Internet. A person needs to search for a lender that is listed inrepparttar 149516 Better Business Bureau. After a lender is picked, an application is filled out with personal information as well as debt amounts, account numbers and present monthly payment amounts. A debt specialist will then give you feedback on what your new monthly payment would be and how long until your debts are paid. If both parties acceptrepparttar 149517 debt consolidation plan, a signature will be required to get started.

The lender will deal withrepparttar 149518 creditors. In most casesrepparttar 149519 lender will getrepparttar 149520 creditors to lowerrepparttar 149521 interest rate and in some cases even lowerrepparttar 149522 amount owed. The creditor will benefit from debt consolidation because they know they will be receiving money from this lender. From their standpoint, they would rather get some money than haverepparttar 149523 debtor’s file for bankruptcy and have nothing.

The lender is also benefiting fromrepparttar 149524 donations thatrepparttar 149525 non-profit organization receives for their services.

The debtor receivesrepparttar 149526 greatest benefits from debt consolidation. They now have one monthly payment, which is smaller than their combined payments were before. They will get their debt paid faster due torepparttar 149527 fact that (A) they cannot use their credit cards at this point. The creditors have closed their accounts, but left them in good standing. (B) The interest rates have been lowered; thereforerepparttar 149528 debt will be paid off faster. Another benefit from debt consolidation is that you can reestablish your credit without having any negative effect on your credit report.

Suvadip Das is a research fellow in management and a web developer. Web design is his passion. He works for Freelance Writer Organization and various websites including . More information on similar topics can be found at

Moneynet Warns Consumers May Be Caught Short By ID Theft Protection Products

Written by Rachel Lane

Continued from page 1

“While ID protection services may have a degree of value, they shouldn't be used as a reason to take an otherwise uncompetitive product,” warned Brown.

And asrepparttar credit card industry moves over torepparttar 149510 Chip and Pin system, Brown also voiced concerns that card firms will deny fraud claims onrepparttar 149511 basis that card holders have not kept their Pin number secure. 

“Fraud is clearly a growing thorn inrepparttar 149512 side for consumers. It is clearly important that people feel their personal financial details are secure, but they should be aware that, even though they have a protection policy in place, they may still face financial headaches while negotiating with their lender or credit card company to have their losses reimbursed,” said Brown.

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Editor's notes:

Moneynet was founded in 1997 by Chief Executive Richard Brown to simplifyrepparttar 149513 personal finance market and provide consumers with impartial and interactive information on financial products and services.

Press enquiries:

Moneynet, Richard Brown, Chief Executive, 020 8313 9030



Alternatively contact:

David Andrews Media Ltd, David Andrews, 01273 774109


Online press releases distribution by bigmouthmedia



Phone: 0845 130 0022

Editor's notes: is the UK’s most established personal finance research and data website. The company offers consumers a wide range of low cost financial products: from mortgages and personal loans; to car, home and medical insurance; credit cards; savings accounts and best-buy fixed rate products.

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