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We have dedicated 2009 to a focus on getting YOU onto the path to debt freedom, so here are some quick debt consolidation tips!
If you are struggling with debt, use the debt consolidation tips & tools, guides, calculators and FREE how-to advice focused on debt.
We always suggest that you start out with a solid game-plan, including a budget and assessing if you can cut expenses, increase your income, or find ways to build positive cash flow. You can start with our free
Budget Guide to evaluate if you are on the right path.
If you are in debt problems already and want to know your rights, research collection laws to check out the state by state guidelines on what collection protections you have.
You can also read our 10 free Debt Consolidation Tips.
Freedom Debt Relief reviews are available if you are seeking debt relief.
For do it yourself tools and forms, we've put together a Debt Do it Yourself Portal with everything from credit repair & restoration forms to debt validation and budget guidelines:
Debt Do It Yourself
Lastly, here are some fast debt consolidation tips for your own quick Debt Consolidation Evaluator:
1. If you have perfect credit and have equity in your home - consider a Mortgage Refinance
2. If you can afford a healthy monthly payment (about 3 percent of your total debt each month) and you want to protect yourself from collection and from going delinquent - consider Credit Counseling.
3. If you want the lowest monthly payment and want to get debt free for a low cost and short amount of time, AND you are willing to deal with adverse credit impacts and collections - then evaluate Debt Settlement.
4. If you cannot afford anything in a monthly payment (less than 1.5 percent of your total debt each month) - consider Bankruptcy to see if Chapter 7 might be right for you.
Be sure to do your homework and choose the debt consolidation option that is right for you, and if you want help, apply for a free quote with one of Bills.com's approved debt consolidation providers:
Free Debt Consolidation Quote