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Learn the basics about consolidating your credit cards and other debts. Also, find and review directories of companies that provide debt help, as well as alternative options to getting a loan for bill consolidation. Use the menus above to find these online services and their websites, that provide various kinds of debt relief, including credit counseling and consolidation loan programs. These menus are organized by type of service or the state that you live in. Learn about common debt-related terminology below.
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Consolidation of Debt through CareOne Without Loans. 800-809-1460.
The providers of CareOne's Debt Relief Services have considerable
experience providing legitimate debt solutions to consumers needing help. Call or
request a free debt analysis online.
Programs: Debt Consolidation through
Debt Management Programs.
IMPORTANT INFO ABOUT CAREONE DEBT RELIEF SERVICES: [Open / Close] to read disclosures and other company information.
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Start by choosing your state of residence.*
Personal Debt
Consolidation Loan through LendingClub.
Requires
a good credit rating, but rewards you with great fixed rates on a
personal loan in
an amount up to $35,000 with no prepayment penalties or other hidden fees. Get an
instant rate quote online.
COMPANY
CLASSIFICATION: Peer to Peer Lending.
BASIC REQUIREMENTS FOR PERSONAL LOAN BORROWERS? [Open / Close] to read some basic guidelines. *Loans not available in all states. Please open for details.
Terms - Terminology with definitions, along with those defined in the text on this page:
Debt Consolidation Personal Loans Credit Counseling Debt Settlement Debt Consolidation Loans
We also feature personal finance tips and additional resources written by our staff, as well as those provided by other websites. These are given to you to help you get your monthly budget and personal finances under control. Save money when shopping for financial services. Start the process by doing more for yourself than just saving on your current needs. Learn about personal finance and save money on a go-forward basis!
What
is a Credit Card Debt Consolidation?
General terminology used to describe the combination of multiple debts
owed to credit card lenders into one (typically) smaller and easier to manage payment
amount. It is often assumed that getting a consolidation loan is required
to consolidate debt, however, there are multiple methods of accomplishing
this goal. Each type of debt help (or relief) has its own set of pros
vs. cons, and the list can be different for each consumer depending
upon their personal financial situation.
Get more info and...
What
are Personal Loans?
This type of lending is can be used for consolidating credit card debt and
other (typically) smaller bills, or for a wide variety of other purposes. They can be offered as
unsecured loans, or they can be secured to a borrower's personal collateral. Unsecured
loans are usually available for smaller amounts of money and qualification
is typically much more difficult than it is for other types of lending.
Get more info and...
What
is Credit Counseling?
Credit counselors may be able to help a consumer obtain better interest
rates, get penalty fees waived and help them manage their personal finances
better through a consolidation of debt that is managed by the credit counseling
agency. The consumer makes one payment to the counselor's firm,
that (in turn) pays the borrower's creditors. This is why this type
of service is also referred to as debt management.
Get more info and...
What
is Debt Settlement?
This form of debt relief is the process by which a company negotiates
a lower balance on a consumer's outstanding debts with their creditors.
The credit accounts are closed and the consumer agrees to make payments,
per a schedule, until the balance is paid off. However, any amount of
forgiven debt may be considered taxable income.
Get more info and...
ADDITIONAL INFORMATION:
1. Borrowing from a lender to consolidate bills may or may not lower the
borrower's current interest rates, overall interest cost or even the
minimum monthly payment
amount. a) The available interest rates on a consolidation loan approval may actually
be higher than the existing credit card debt and other bills
that you want to pay off.
If approved, most of what determines the rate offered is due to your credit
rating and the type of loan that you have applied for.
2. Loans are more difficult (in some cases, much more difficult) to obtain than
other forms of debt relief services, such as credit counseling /
debt management, debt
settlement or bankruptcy, as they have a qualification process that relies upon
a set of underwriting guidelines, rather than just required actions on the part of the consumer.
However, they are much less likely to have a negative impact on your current
credit rating. Your credit score may be impacted by taking out new debt, but
mainly, just be sure to make your payments on time.
3. A debt consolidation loan is either unsecured, or secured to an asset
or assets of the borrower.
Next Up: What are Secured and Unsecured Debt Consolidation Loans and what are the different types?
Review the following directory pages for listings of more companies and services providing debt consolidation and related financial services to people in need of help dealing with credit card and other consumer debts.
Latest DebtConsolidationLoan.com Updates / Additions:
- DebtConsolidationLoan.com has gone local. We have started rolling out our new city and metro area directory pages, beginning with cities listed in the Florida Debt Consolidation Loan Directory. Some of the cities we have included in this update are Jacksonville, Miami and Tampa, FL.
- 401k Rollovers - OK, so you have consolidated your bills, paid them off, and now you want to begin gaining positive ground on your finances by saving money. The best place to start is with your retirement planning. Whether you are moving to a new employer and wanting to know your options for rolling over your current account, or you are simply wanting to know how to manage your existing 401k plan, this new section in our personal financial learning area can be helpful.
- Do I Need a Personal Loan? - Deciding whether you actually need a personal loan or not starts with being honest with yourself (about your finances), regarding your wants, needs and ability to make the required payments on a new loan.
DebtConsolidationLoan.com is a free online service. DebtConsolidationLoan.com is not a provider of debt consolidation loans, debt relief programs or any other related financial services. All advertiser information is deemed reliable, but not guaranteed. DebtConsolidationLoan.com is not responsible for the content and services, that may be provided to you, by following the links from this web site, nor does it endorse any of the advertisers listed here. Visit external links at your own discretion.
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