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Debt Help Solutions

 
Items on your credit report that are currently delinquent or recently sent to collection are much touger to dispute than older items that are closed or have been charged off. You should get your current debt under control before you work on improving your credit score.

If possible, address your debt issues before the courts get involved. If the creditor is awarded a civil judgement against you, they may garnish your wages or place a lien on personal property items.
 
 
 

Debt Collection Process

 
Unpaid Debt  >  Collection  >  Civil Judgement  >  Wage Garnishment

If your monthly debt obligations exceed your current ability to repay it, consider the following alternatives:
 
  • Debt Help Credit Counseling or Debt Consolidation Plan
  • Debt Relief from Filing Bankruptcy
 

Credit Counseling and Debt Consolidation Plans

 
Debt consolidation and credit counseling are good options for people loaded with credit card debt and struggle to make the minimum monthly payments each month. Typically these programs consolidate your unsecured debt into a single, more affordable monthly payment with better terms, lower interest rates, and reduced or waived fees from the credit card companies.

In addition to paying off the debt much more quickly, collection calls will disappear. For a free debt management consultation, visit CareOne.com.
 

Filing Bankruptcy

 
With corporate down-sizing and unemployment at record highs, many Americans have been faced with a dramatic change in lifestyle due to their employment status. Sometimes, even if you have the best intentions, it is impossible to repay obligations that you have committed to. When this is the case, filing bankruptcy may be your best alternative.

There are two types of bankruptcy filings for individuals: Chapter 7 and Chapter 13. To discuss which bankruptcy filing option may be best suited for you, visit BankruptcyLawyerFinders.com for a free, no obligation consultation with a local attorney that specializes in filing bankruptcy.
 
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