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Consolidate Different Loan Products
Can you help consolidate Federal and State student loans on top of car and credit debt?
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When Does it Make Sense to Refinance?
How does one decide if refinance is a good option or not?
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With the turmoil in the economy and millions of Americans contemplating the stress of their debt burdens, we've decided that our Fall focus is to get you on the path to debt freedom!
If you are struggling with debt, utilize the credit answers & tools, guides, and how-to tips Bills.com has to offer. 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 creative ways to build positive cash flow.
If you are in debt problems already and want help on knowing your rights, research debt collection laws and state statute of limitations to check out the free state by state guidelines on what collection protections you have.
You can always search for Debt Consolidation tools and articles yourself to find what you need.
Lastly, here is your 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