As bad as your financial situation may seem, debt consolidation could throw you a life preserver -- and teach you stronger money management techniques for the future.
Credit cards. Student loans. Hospital bills.
Rising insurance premiums. Higher utility costs. Gasoline that now costs more than $3.00 per gallon, with further increases just around the bend.
The list goes on and on. In 21st Century America, it's not easy to get by. More and more citizens succumb to debt every year, in part because of their own financial mismanagement, and largely because of increased living costs that get harder and harder to defray. If health insurance and fuel costs rise, you might charge other expenses to your credit card. Maybe a couple of months were a little tight money-wise, so you paid only the minimum balance due. It's a slippery, costly slope.
Before you even realize it, you're trying to play catch-up in a game you can't win. High interest rates and compounding balances make it extremely difficult to get back on firm fiscal ground. Unless you take the initiative and be proactive. You can sign up for a service that will help you consolidate debt with no additional expense. That's right. A non-profit agency will work with you to pinpoint the root of your problem and arrange for the following:
If 1-3 years sounds like a long time, it is. But nothing close to the 5-10 years many people take to pay off debt. Those are the ones who actively try, too. If you don't take action, this problem may never go away. Reducing your bills by at least a third with very little effort is a pretty appealing proposition, wouldn't you say? What about getting rid of that stack of bills and replacing them with one? Or getting some peace of mind?
Perhaps the best part of debt consolidation is that you do not have to pay for it. As part of the agreement, creditors -- the companies you are in debt to -- will take care of your firm's expenses. You concentrate on what's important: turning over a new leaf. With nothing to lose, and the chance to gain thousands of dollars in savings over the next few years, it's well worth the time to explore debt consolidation options. Starting now.
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