DEBT SETTLEMENT VS DEBT CONSOLIDATION | debt consolidation

DEBT SETTLEMENT VS DEBT CONSOLIDATION

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Debt settlement:
A strategy that reduces your total debt amount and as a result, pay less than you currently owe. if you’re behind on payments with no foreseeable end in sight, the debt settlement process can be an effective way to pay much less than you currently owe.
Done through a series of negotiations undertaken between your representative and your creditors.
While your representative initiates negotiations with your creditors, you establish an escrow account with monthly savings that eventually will be used to pay the reduced debt amounts.
Depending on the total debt amount, a debt settlement plan can take anywhere from 18 48 months to complete.
Debt consolidation:
Consolidates all of your debts into one loan, which combines all of your debt into one single payment, providing a more simplified way of paying the debt.
May reduce the amount of debt you owe as a result of obtaining a lower interest rate.
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Do Debt Consolidation Loan actually work | Pay Off Debt

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Now in this video im going to break down all the pros and cons and especially answer these questions that I know you’re having. Are debt Consolidation a good thing, or are they a bad thing.
Questions I’m going to answer
Low Monthly Payment
Low apr
I only owe one person
Well I’ve gotten letters for Student loan refinancing, credit cards and even Auto loans ( I don’t even own a car)
However:
I owe 1213k in credit card debt and pay no interest, and I pay no interest
I get offers every week to refinance and pay a low minimum payment, lower apr, and one person.
Oh, don’t forget about the low rates offered of 412%, which sounds a lot better than 2535 with a credit card.
Do Debt Consolidation Loan actually work | Pay Off Debt
Pros: according to the Companies ( Do Math) and Compared to a Credit Card
Low Monthly Payment
Story: Instead of paying only the minimum on credit cards and finishing in 513 years
You refinance your loan and be done between 1260 months ( which sounds a lot better than 13 years)
You can also prepay the debt and be down sooner
Lower Apr
One Bill
Story: Stuck paying 6 credit cards and the balance seems like it doesn’t go down
Cons
Low Monthly Payments: Its longer and usually they’ll win more
Lower Apr: It’s lower, but it’s on a higher balance
One Bill: they make the profits and cut out the credit cards and hope you do it all over again

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5 Things Debt Settlement Companies Won’t Tell You: Get the Facts on Negotiation!

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A debt settlement company won’t tell you these 5 critical things, and with good reason. You would not need to hire them, or would be better prepared to compare companies and alternatives if you were aware of these important facts about how they generally operate.
READ THE ARTICLE THAT INSPIRED THIS VIDEO: http://consumerrecoverynetwork.com/debtsettlementcompanies5thingsyouwillnothear
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For a list of of best practices for negotiation companies and additional information about how to settle credit card debt yourself see: http://consumerrecoverynetwork.com/debtsettlementcompanyreviewbestpractices/
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Michael Bovee started CRN in 2004 with a mission to provide people in need with detailed credit and debt help. The DebtBytes Channel is an extension of the CRN blog, and is dedicated to finding the debt relief option or strategy that works best for you.

When Is It Smart To Consolidate Student Loan Debt?

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When Is It Smart To Consolidate Student Loan Debt?
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Is A Debt Consolidation Mortgage Right For You?

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What is a debt consolidation mortgage and how could it help you?
A debt consolidation mortgage is more commonly referred to as a cashout refinance. This is where you pull out some equity in your home to pay off debt.
For example: let’s say your current home is worth $200,000 and you owe $100,000. Also, you have $20,000 in credit cards and other loans you want to consolidate into a lower interest debt.
If you did a cashout refinance, you could get a check for $20,000 at closing and you would now owe $120,000 on your mortgage. Essentially, the debt gets absorbed into your mortgage.
So, why would you do a debt consolidation mortgage? This type of cashout refinance helps you turn unsecured, highinterest debt (credit cards, auto loans, etc) and convert it into secured, lowinterest debt.
A debt consolidation mortgage is a piece of the puzzle towards becoming debtfree in the future. It’s not a full solution to a debt problem, it’s simply a tool.
The big thing you have to keep in mind with this strategy is that it doesn’t just make the debt dissapear. The debt will still be there. But, instead of the debt being held at high interest (usually 1525% by AmEx or Visa, etc) it will be help in your mortgage (usually around 35%).
But, is it smart to take short term debt and convert it to long term debt? Here’s what I mean… If you have $10,000 worth of debt in credit cards, that debt will get paid off in about 7 years. If you take that $10,000 and wrap it into your mortgage, it will get paid off in 30 years if you don’t intervene.
So, in that case it’s not smart to do that. But, it is smart if you continue making similar payments on debt. But, instead of paying the credit card company, you pay extra into the mortgage.
Again, a debt consolidation mortgage does not make debt disappear. It simply restructures the way you’re paying back debt and can help you avoid the massive interest charged on credit cards and other high interest, risky debt.
Hey, my name is Kyle and I’m a Mortgage Advisor serving Tennessee, Florida, and Ohio. My goal is to help you get a crystalclear home loan that helps you win the house you love. If you’re ready to create your homebuying plan, you can reach through any of the ways below:
https://winthehouseyoulove.com/
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8900 N. Dixie Dr.
Dayton, OH 45414
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