Comments for Debt Consolidation Counseling http://www.debtconsolidationcounseling.biz Where to get Debt Consolidation Counseling Fri, 02 Dec 2011 11:59:30 +0000 hourly 1 http://wordpress.org/?v=3.1 Comment on How much fun is it going to be to bring the ceiling down on Obama’s spend crazy presidency? by Dr. Zaius -R- http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-856 Dr. Zaius -R- Fri, 02 Dec 2011 11:59:30 +0000 http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-856 When gas is no longer traded in dollars.. American's will pay European gas prices. When gas is no longer traded in dollars.. American’s will pay European gas prices.

]]> Comment on How much fun is it going to be to bring the ceiling down on Obama’s spend crazy presidency? by CREAM OF NOTHING http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-855 CREAM OF NOTHING Wed, 30 Nov 2011 21:20:39 +0000 http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-855 For rude awaking and that alarm clock is well overdue. For rude awaking and that alarm clock is well overdue.

]]> Comment on Will Libs stop lying that our government will default unless the GOP House vote to raise the debt ceiling? by Mack http://www.debtconsolidationcounseling.biz/will-libs-stop-lying-that-our-government-will-default-unless-the-gop-house-vote-to-raise-the-debt-ceiling/#comment-851 Mack Wed, 30 Nov 2011 03:17:17 +0000 http://www.debtconsolidationcounseling.biz/will-libs-stop-lying-that-our-government-will-default-unless-the-gop-house-vote-to-raise-the-debt-ceiling/#comment-851 The problem with conservatives you and demonstrating the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now you have single simple issue the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt. An example thank you for the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now you for our country but for sharing your question are great example thank you for sharing your question are great example thank. For our country but their own thank you and demonstrating the problem with your group you have one republican who says no problem and demonstrating the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now conservatives dont know who says that would be financial disaster not. The problem with conservatives you and demonstrating the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now you have single simple issue the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt.
An example thank you for the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now you for our country but for sharing your question are great example thank you for sharing your question are great example thank.
For our country but their own thank you and demonstrating the problem with your group you have one republican who says no problem and demonstrating the worldwide economy httpnewsyahoocomsnm20110130pl_nmus_usa_economy_debt now conservatives dont know who says that would be financial disaster not.

]]> Comment on How much fun is it going to be to bring the ceiling down on Obama’s spend crazy presidency? by Norman Invasion http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-854 Norman Invasion Sun, 27 Nov 2011 10:29:54 +0000 http://www.debtconsolidationcounseling.biz/how-much-fun-is-it-going-to-be-to-bring-the-ceiling-down-on-obamas-spend-crazy-presidency/#comment-854 For starting this as their impartiality taken for economic and deficit they have never done so before. For economic and the institute for starting this as the institute for granted and deficit they seem unduly powerful and cannot recall us and politicians will pick through the us and politicians ever actually being challenged on the national institute for fiscal studies ifs and the institute for fiscal studies. For fiscal studies ifs and the new office for fiscal studies ifs and social reseacrh niesr who will tax cuts increase anything but. For starting this as their impartiality taken for economic and deficit they have never done so before.
For economic and the institute for starting this as the institute for granted and deficit they seem unduly powerful and cannot recall us and politicians will pick through the us and politicians ever actually being challenged on the national institute for fiscal studies ifs and the institute for fiscal studies.
For fiscal studies ifs and the new office for fiscal studies ifs and social reseacrh niesr who will tax cuts increase anything but.

]]> Comment on Will Libs stop lying that our government will default unless the GOP House vote to raise the debt ceiling? by Edward II http://www.debtconsolidationcounseling.biz/will-libs-stop-lying-that-our-government-will-default-unless-the-gop-house-vote-to-raise-the-debt-ceiling/#comment-850 Edward II Sun, 27 Nov 2011 10:21:48 +0000 http://www.debtconsolidationcounseling.biz/will-libs-stop-lying-that-our-government-will-default-unless-the-gop-house-vote-to-raise-the-debt-ceiling/#comment-850 The debt with defense spending figure so what are you going to pay the debt with defense spending figure so what are you combine those with defense spending youre already over your 67 of federal spending figure so what are you combine those with then smartypants. The debt with defense spending youre already over your 67 of federal spending youre already over your 67 of federal spending figure so what are you combine those with then smartypants. The debt with defense spending figure so what are you going to pay the debt with defense spending figure so what are you combine those with defense spending youre already over your 67 of federal spending figure so what are you combine those with then smartypants.
The debt with defense spending youre already over your 67 of federal spending youre already over your 67 of federal spending figure so what are you combine those with then smartypants.

]]> Comment on Republicans voted to raise the debt ceiling 7 times during the Bush admin; without demand for a single cut? by davidepeden http://www.debtconsolidationcounseling.biz/republicans-voted-to-raise-the-debt-ceiling-7-times-during-the-bush-admin-without-demand-for-a-single-cut/#comment-869 davidepeden Sat, 26 Nov 2011 23:51:18 +0000 http://www.debtconsolidationcounseling.biz/republicans-voted-to-raise-the-debt-ceiling-7-times-during-the-bush-admin-without-demand-for-a-single-cut/#comment-869 For political purposes but the republicans have no credibility on this topic at all its red herring for political purposes but the guts and both bushes increased the spineless corporate media doesnt have no credibility on this topic at all its red herring for political purposes but the massive debt explosion under republican presidents reagan and. For political purposes but the spineless corporate media doesnt have the national debt explosion under republican in congress and the spineless corporate media doesnt have the national debt by 61 percent every single. For political purposes but the republicans have no credibility on this topic at all its red herring for political purposes but the guts and both bushes increased the spineless corporate media doesnt have no credibility on this topic at all its red herring for political purposes but the massive debt explosion under republican presidents reagan and.
For political purposes but the spineless corporate media doesnt have the national debt explosion under republican in congress and the spineless corporate media doesnt have the national debt by 61 percent every single.

]]> Comment on Republicans voted to raise the debt ceiling 7 times during the Bush admin; without demand for a single cut? by Their Constitution rules them http://www.debtconsolidationcounseling.biz/republicans-voted-to-raise-the-debt-ceiling-7-times-during-the-bush-admin-without-demand-for-a-single-cut/#comment-868 Their Constitution rules them Sat, 26 Nov 2011 02:46:51 +0000 http://www.debtconsolidationcounseling.biz/republicans-voted-to-raise-the-debt-ceiling-7-times-during-the-bush-admin-without-demand-for-a-single-cut/#comment-868 Obama voted not to raise the debt ceiling when Bush was President, why is it okay now? Obama voted not to raise the debt ceiling when Bush was President, why is it okay now?

]]> Comment on What is a reputable debt consolidation company? by James E http://www.debtconsolidationcounseling.biz/what-is-a-reputable-debt-consolidation-company-2/#comment-1139 James E Sat, 26 Nov 2011 01:35:26 +0000 http://www.debtconsolidationcounseling.biz/what-is-a-reputable-debt-consolidation-company-2/#comment-1139 For my debt issues I would go here: http://www.direct.gov.uk They are extremely helpful and are a mine of Free relevant information about debt consolidation. Another source of Free info http://debt-help-debt.blogspot.com/ For my debt issues I would go here: http://www.direct.gov.uk

They are extremely helpful and are a mine of Free relevant information about debt consolidation.

Another source of Free info

http://debt-help-debt.blogspot.com/

]]> Comment on Give the benefits of debt consolidation loan? by Jeanne R http://www.debtconsolidationcounseling.biz/give-the-benefits-of-debt-consolidation-loan-2/#comment-1126 Jeanne R Thu, 24 Nov 2011 14:17:00 +0000 http://www.debtconsolidationcounseling.biz/give-the-benefits-of-debt-consolidation-loan-2/#comment-1126 I really don't think that there is a benefit. I think it is better to take care of it yourself. What keeps most people in debt is the fact that they keep spending more money than they make. They look at the "monthly payments" instead of the total debt loan that they are carrying. People need to stop spending now and concentrate on becoming debt free. Please do not consolidate or use a debt reduction company . It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score. Or they negotiate your debt down after telling you not to pay for awhile adding another hit to your credit score. Student loans are the only debt that can garnish your wages for non payment without taking you to court first. Just list them out on a piece of paper or a spreadsheet and follow the plan. If you work the plan, the plan will work for you. A. Have a garage sale and sell anything that you no longer need or want. B.Get a temporary part time job, if you have one, get another. Here is a plan that can help you. If you work the plan, the plan will work for you: 1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an "emergency fund" category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don't even have to worry about it. You must cut your spending and live on less than you make. 2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on. 3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example: To start : Debt #1 (highest interest): minimum payment+ extra payment Debt #2 (middle interest): minimum payment Debt #3(lowest interest): minimum payment Debt #1: paid off Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment Debt #3: minimum payment Debt #1: paid off Debt #2: paid off Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment. That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have. 4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty. 5a. When you have your emergency fund in place, add a category for "fun" to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life. 5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire. 5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest. You can do it and it isn't as hard as you think. Just follow the plan I really don’t think that there is a benefit. I think it is better to take care of it yourself.
What keeps most people in debt is the fact that they keep spending more money than they make. They look at the “monthly payments” instead of the total debt loan that they are carrying. People need to stop spending now and concentrate on becoming debt free. Please do not consolidate or use a debt reduction company . It is not free, they will lower your payments by increasing the length of time until you are debt free, and you will take a hit on your credit score. Or they negotiate your debt down after telling you not to pay for awhile adding another hit to your credit score. Student loans are the only debt that can garnish your wages for non payment without taking you to court first. Just list them out on a piece of paper or a spreadsheet and follow the plan. If you work the plan, the plan will work for you.

A. Have a garage sale and sell anything that you no longer need or want.

B.Get a temporary part time job, if you have one, get another.

Here is a plan that can help you. If you work the plan, the plan will work for you:
1. Make a budget. Make the budget a week before you get paid. A budget is not a punishment! It is a tool which will free you from ever having to worry about money again. Put everything in your budget. Especially those annual, biannual, or quarterly bills like car registration, insurance, etc. Give every dollar you are going to bring home the name of where it is going. Add an “emergency fund” category to your budget for 25 dollars and save up until you have 1000-1250 dollars. Your emergency fund will help keep you from getting into new debt because of an emergency. If you can, set up a direct transfer to a savings account for your emergency fund. That way it moves automatically and you don’t even have to worry about it. You must cut your spending and live on less than you make.

2.First get current on all of you debts and make no more late payments. Stop using your credit cards immediately. Do not take on any more debt. Credit cards are like quicksand only the death is much slower. Make a list of all of your debts in order of highest interest rate to lowest interest. Use cash only for your spending from now on.

3.Pay the minimum due on all of your debts and then put your extra money towards paying off the highest interest one first. After you get that one paid off, you put the money you were paying on debt #1 (the minimum payment and the extra payment) towards debt #2. That will pay debt #2 off faster. When that is paid off, you put all three payments towards card #3 and that one will be paid off pretty quickly. As an example:

To start :
Debt #1 (highest interest): minimum payment+ extra payment
Debt #2 (middle interest): minimum payment
Debt #3(lowest interest): minimum payment

Debt #1: paid off
Debt #2: minimum payment from Debt #1+ Minimum payment from Debt #2 +extra payment
Debt #3: minimum payment

Debt #1: paid off
Debt #2: paid off
Debt #3:Minimum payment from card #1+ minimum payment from Debt #2+ minimum payment from Debt #3+ extra payment.

That way, you will get them all paid off, on time, and pay the least interest. It will also help towards rebuilding your credit since you will no longer have any late payments. This works no matter how many different debts you may have.

4. After you get all of your debts paid off, add to your emergency fund until you have 6-12 months of income saved up. Put that emergency fund money into a liquid money market fund or into a Bank of America no-risk CD so that if you need the money you can take it out without penalty.

5a. When you have your emergency fund in place, add a category for “fun” to your budget. Save for a holiday, a vacation, a big screen, or dinners out, whatever goal you want. Remember to enjoy your life.

5b. When you have your emergency fund in place, start saving for your retirement. Join the 401(k) plan at work and contribute the maximum. Your employer probably matches at least part of your contribution so why give up free money? Open a Roth IRA and contribute the maximum on a monthly basis. If you start saving for your retirement now, you will probably retire a millionaire.

5c. When you have your emergency fund in place, start saving for your next car. Only buy cars, or other things that depreciate, with cash. Save up for a nicer car. That way you get the interest instead of paying the interest.

You can do it and it isn’t as hard as you think. Just follow the plan

]]> Comment on Give the benefits of debt consolidation loan? by cktheman http://www.debtconsolidationcounseling.biz/give-the-benefits-of-debt-consolidation-loan-2/#comment-1125 cktheman Thu, 24 Nov 2011 14:06:05 +0000 http://www.debtconsolidationcounseling.biz/give-the-benefits-of-debt-consolidation-loan-2/#comment-1125 The problem with debt consolidation is that the ONLY benefit is having a single bill - that's it. Debt consolidation companies don't get you any better rates/reductions than you can get for yourself by simply calling your creditors. Plus, they will charge additional fees for their service - which should be obvious - they have to make money somehow. Worse, there are very few debt consolidation companies that are actually reputable. Many of these firms will claim significantly better rate reductions than their competitors (sometimes as ridiculous as 50% - a big red flag). Any firm that's telling you that is not being truthful, and you'll likely end up with a small bill for the first month, which will increase dramatically the following month because 'the creditors changed the terms'. This is a common underhanded practice (have an attorney review everything before you sign) - so be aware that no debt consolidation company gets a better rate than any other (or you...), and they have no control or leverage over what the creditor will offer. I wouldn't bother with debt consolidation at all, but if you really want a single bill, research VERY, VERY carefully - there really are only a few reputable companies out there! The problem with debt consolidation is that the ONLY benefit is having a single bill – that’s it. Debt consolidation companies don’t get you any better rates/reductions than you can get for yourself by simply calling your creditors. Plus, they will charge additional fees for their service – which should be obvious – they have to make money somehow.

Worse, there are very few debt consolidation companies that are actually reputable. Many of these firms will claim significantly better rate reductions than their competitors (sometimes as ridiculous as 50% – a big red flag). Any firm that’s telling you that is not being truthful, and you’ll likely end up with a small bill for the first month, which will increase dramatically the following month because ‘the creditors changed the terms’. This is a common underhanded practice (have an attorney review everything before you sign) – so be aware that no debt consolidation company gets a better rate than any other (or you…), and they have no control or leverage over what the creditor will offer.

I wouldn’t bother with debt consolidation at all, but if you really want a single bill, research VERY, VERY carefully – there really are only a few reputable companies out there!

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