debt consolidation巩固债务

The process of fully paying off indebtedness by installments of principal and earned interest over a definite time.过程完全清偿债务借款本金和利息超过一定时间. The amortization period is the timeframe over which the entire debt will be repaid.终止期的时间超过了全部债务将还清.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The cost of financing a balance on a loan expressed as an annual percentage.融资成本的贷款余额中所占的比例,每年. To calculate the amount owed in interest each month divide the APR by 12.欠款利息计算,每月的4月12隔膜. For example, if the APR is 18% the monthly rate is 1.5%.举例来说,如果有18%的年利率为1.5%每月.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Tangible or intangible goods owned by an individual that have a cash value.有形或无形产品由个人所拥有的现金价值. This includes property, goods, savings, and investments.这包括财产、商品、储蓄、投资.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The average daily balance is a method used to calculate interest charges.每天平均余额的计算方法是利息费用. It is calculated by adding the outstanding balance on each day in the billing period, and dividing that total by the number of days in the billing period.据计算,余额加上每天的结帐期、除以总天数的帐单内. The calculation includes new purchases and payments.包括新购的金额计算.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

A term used to describe a poor credit rating.一个词来形容一个贫苦的信用评级. Common practices that can damage a credit rating include making payments late, skipping payments, exceeding credit card limits or declaring bankruptcy.常见的做法会破坏信贷评级列入逾期付款,跃金信用卡超过限额或者宣告破产. " Bad Credit " can result in being denied credit."失信"可导致被拒绝贷款.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The total (outstanding) amount of money owed.总金额(优秀)所欠. It includes any unpaid balance from the previous month, new purchases, cash advances, and any charges such as an annual fee, late fee or interest.它包括任何未付余额较上月、新购、现金垫款、而任何费用,如年费、逾期费用或利息. The balance should not be confused with the monthly payment (the minimum payment each month), which is generally 2% to 5% for credit cards.负债不应混淆每月(最低每月支付)其中一般为2%至5%的信用卡.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Moving a debt balance from one credit card to another.债务余额从一个移动到另一个信用卡. This is often done with special checks or forms, or may be offered as an option on some credit card applications.这时候做特殊检查或表格还是可以有选择的一些信用卡申请. The usual reason is to shift an ongoing debt obligation to an account with a lower interest rate.通常的原因是把债务的义务,是一项持续降低利率帐户.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Bankruptcy is a legal declaration of the inability to repay debts.破产是一个合法的声明无力偿还债务. Bankruptcy should be viewed as a last resort.破产应视为最后手段. It will have a severe impact on a credit rating and will remain on a credit report for ten years.这将有严重影响,信用评级、信用报告>仍将十年. Furthermore, bankruptcy is not a solution in all cases.此外,破产不是解决所有案件. Federal student loans, Federal tax debt and child support are all exempt from bankruptcy protection.联邦学生贷款、债务和子女抚养的联邦税免征都是破产保护. Bankruptcy agreements vary but there are two types of agreements that most people choose: Chapter 7 and Chapter 13.破产协议有两种不同的协议,但大多数人选择:第7章、13章.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The new bankruptcy law, which went into effect on October 17, 2005, states that before filing for bankruptcy, one must enroll in a credit counseling program.新破产法施行于2005年10月17日,国家立项之前破产要报名参加信用辅导计划.

Christian Financial Consultants can provide eligible credit counseling .基督徒可以提供财务顾问资格信用辅导. In fact, with our credit counseling, debt settlement, and debt consolidation programs, we may be able to help you avoid bankruptcy completely.事实上,随着我国信用咨询、债务清偿、债务整理节目我们可能可以帮助你避免彻底破产. When you file for bankruptcy, it stays on your record for 10 years -- making it difficult to get a loan, find a job, or even rent an apartment.当你立案破产维持了10年的纪录你--难以得到贷款,找到工作,甚至租房子. For this reason, it has always been a good idea to try debt settlement and debt consolidation before considering bankruptcy filing.为此,一向好主意,设法解决债务、破产债务整理归档,然后才考虑.

Learn more about our credit counseling, debt settlement, and debt consolidation programs.了解我们的信用辅导,债务清偿、债务整理规划. Fill out the form on the righ side of this page for a free bankruptcy credit counseling session.填写表格的右页方一本免费咨询会议信用破产.

This is the credit score that creditors look at when determining if you are credit worthy.这是信用评分,债权人在确定如果你看信用值得. The Beacon Score is determined by negative entries such as late payments which would decrease your score or a positive, timely payment history on your accounts, which would increase your score.灯塔是由消极比赛得分如逾期付款将减少你还是得分了积极你及时付款历史的帐目,而你的分数会增加.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

The number of days between statement dates.声明日期之间的天数. This is generally about 25 days.这是一般约25天. The billing cycle does not usually coincide with a calendar month.通常的计费周期不配合是一个历月.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

A lump sum payment made to the creditor by the borrower or by a third party to reduce the amount of some or all of a person's periodic payments to repay the debt.一次性付款给债权人,并由借款或第三方减少额的部分或全部个人的定期付款还债.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

In a Chapter 7 agreement, the court resolves most debts by selling assets and property so that the filer is given a fresh financial start.第七章一协定法院决定出售资产及债务大部分财产,使金融开始重新给予备案. The court takes all assets including cars, homes, furnishings, jewelry or anything else of value.法院通吃资产包括汽车、住房、家具、饰品等等价值. The assets are sold to pay off the debt.出售资产来偿还债务. There are some debts that a person may wish to repay on their own instead of having the court resolve it.有些人可能希望债务偿还自己而不是由法院解决. This is called reaffirmation.这叫做肯定. Reaffirmation is a special payment plan with the court.肯定是一个特殊的付款计划在法院. For example, if a car loan is reaffirmed, the person keeps the car and makes payments under new terms.举例来说,如果汽车贷款是肯定的人车,并不断发放新名词. Chapter 7 bankruptcy will not eliminate debts due to taxes, child support, alimony, student loans, court fines or personal injury caused by driving drunk or under the influence of drugs.第七章破产债权由于税不会消除,抚养、赡养、学生贷款、法院罚款或人身伤害或影响下酒醉驾车罪名. A Chapter 7 filing will remain on a credit report for 10 years.第七章档案的信用报告,仍将按10年.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

In a Chapter 13 agreement, the court creates a debt repayment plan that allows the filer to keep their property.在第13章协议,法院创造了偿债计划,允许保留他们的财产备案. In order to file for Chapter 13, a person must have a source of income and promise to pay part of their income to creditors.为了立案13章、一个人不能没有经济来源,许诺向债权人支付部分收入. The court allows the filer to keep any assets that have debts against them if they make payment on them under Chapter 13s.法庭允许保留备案反对任何资产,假如他们的债务支付他们育章. A Chapter 13 filing will remain on a credit report for 10 years.第13章一对信用报告仍将存档10年. With Chapter 13, there is a better chance of obtaining future loans and credit.有13章,有机会获得更好的前途和信用贷款.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Is your debt burden causing you to consider filing for bankruptcy?你的债务负担使你考虑存档破产?
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers' need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有信徒们在充满挑战的时代需要.

Christian Financial Consultants' unique Christian bankruptcy prevention program may help you to:基督教财务顾问的独特的基督教破产程序可以帮助你预防:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Before filing for bankruptcy, be sure to look at all your options.破产前申报,一定要看看你的选择. We can can help you decide if our Christian Bankruptcy, debt consolidation, debt settlement, or credit counseling programs are a good fit for your situation.我们可以帮助你决定,如果我们基督徒破产、债务整理、债务清偿、一个好的节目或信用辅导适合你的情形.

Please fill out the form on the right for a FREE Christian Bankrupcty and Debt Consolidation counseling session.请在正确填写申请表格基督教bankrupcty免费咨询会议巩固和债务.

If you've reached a turning point and are ready to walk the path towards a debt-free life, we are here to provide guidance, inspiration and the assistance that bring your goals into reach.如果您达到一个转折点,愿意走往债权自由生活我们在这里提供指导、激励和帮助,使你达成目标纳入. Our unique Christian Credit Counseling program can help you.我们独特的基督教信用辅导计画可以帮助你.

Christian Financial Consultants' unique credit counseling and debt consolidation program may help you to:基督教财务顾问的独特的信用咨询和债务合并计划可能帮你:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a free Christian credit counseling session, simply fill out the form on the right.一个自由的基督教信用咨询会议,就干脆填写表格权.

For more information about our Christian Credit Counseling program, click here .更多关于香港基督教信用辅导计画,按此.

If you've reached a turning point and are ready to walk the path towards a debt-free life, we are here to provide guidance, inspiration and the assistance that bring your goals into reach.如果您达到一个转折点,愿意走往债权自由生活我们在这里提供指导、激励和帮助,使你达成目标纳入. Our Christian Credit Counselors can help you.香港基督教信用辅导员可以帮助你.

Christian Financial Consultants' unique credit counseling and debt consolidation program may help you to:基督教财务顾问的独特的信用咨询和债务合并计划可能帮你:

• Lower your monthly payments In some cases monthly payments may be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Significantly reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.基督教大大降低利率财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a free session with one of our Christian credit counselors , simply fill out the form on the right.免费为会议提供我们一个基督徒信用辅导员干脆填写表格权.

For more information about our Christian Credit Counselors program, click here .更多关于信贷的基督徒辅导员纲要点此.

Struggling with the burden of excessive debt?挣扎着债务负担过重?
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers' need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有信徒们在充满挑战的时代需要.

Christian Financial Consultants' unique debt consolidation and credit counseling program may help you to:基督教财务顾问的独特的巩固与债务信用辅导计划可能帮你:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Please fill out the form on the right for a free Christian Debt Consolidation counseling session.请在正确填写申请表格,免费咨询会议巩固基督教债务.

Is Christian debt counseling right for you?基督教咨商权债务是为你?

If you've reached a turning point and are now ready to walk the path towards a debt-free life, our Christian Debt Counseling program can help you.如果您达到一个转折点,现正准备走往债权自由生活,基督教债务辅导计画可以帮助你. Our program combines debt consolidation with Christian debt counseling, with the goal of helping you stay debt free.我们的节目将巩固与基督教债务咨询债务,其目的是帮助你留负债.

Christian Financial Consultants' unique Christian debt counseling and debt consolidation program may help you to:基督教财务顾问的独特的基督教和减免债务辅导综合计划可能帮你:

• Lower your monthly payments In some cases monthly payments may be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Significantly reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.基督教大大降低利率财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a FREE session with one of our Christian debt counseling specialists, simply fill out the form on the right.免费为会议提供我们一个基督徒债务辅导专家,只是在正确填写表格.

Our Christian debt counselors can help you become debt free.我们可以帮你成为基督徒辅导员债务负债.

If you've reached a turning point and are now ready to walk the path towards a debt-free life, our Christian Debt Counseors can help you.如果您达到一个转折点,现正准备走往债权自由生活,基督教债务counseors可以帮你. Our debt consolidation, debt settlement, and credit counseling programs are designed to help make your debt payments more manageable, and eventually eliminate your debt completely.我国综合债务,债务结算、信用辅导计画的目的是帮助你还债教练、您债务并最终彻底消除.

Christian Financial Consultants' Christian debt counselors are experienced and can help you to:基督教财务顾问的经验和基督徒辅导员债务可以帮你:

• Lower your monthly payments In some cases monthly payments may be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Significantly reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.基督教大大降低利率财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a FREE counseling session with one of our Christian debt counselors , simply fill out the form on the right.免费咨询会议为我们提供一个基督徒债务辅导员简单的表格填写正确.

Is Christian Debt Management right for you?是基督徒债务管理权吗?
Managing debt can be a difficult task.债务管理,可以有相当大的困难. High interest rates, fees, and extended repayment terms may mean you end up repaying several times the original amount that was borrowed.高利率、收费、延长还款条件可能意味着你最终偿还数额是原来几次借来.

This is where Christian Financial Consultants can help.这是基督徒可以帮助财务顾问. Through our Christian Debt Management program and extensive network of not-for-profit resources, we have found common ground for our clients and more than 12,000 creditors nationwide.基督徒债务管理计画,并透过我们广泛的网络不以营利为资源我们找到共同点,为我们的客户和债权人全国12000多个. By reducing or eliminating interest rates and fees and by restructuring monthly payments, we can help you to make significant progress on your debt every single month.通过减少或消除利率调整每月支付的费用,我们可以帮你对你的债务方面取得重大进展,每单月.

For free information about how our Christian Debt Management program can work for you, please fill out the form on the right.免费资料基督徒债务管理计画如何能为您的工作,请在正确填写表格.

Christian Debt Reduction lowers your outstanding debt基督教减债降低债务偿还你
Christian Financial Consultants will light your path to freedom and minister the support that all of His followers' need in challenging times.基督教会轻财务顾问兼自由之路您的支持,所有信徒们在充满挑战的时代需要. Our Christian debt reduction program can help.我们可以帮助基督教减债计划.

Christian Financial Consultants' unique debt reduction and credit counseling program may help you to:基督教财务顾问的独特的减债计划和信贷咨询可以帮助您:

• Lower your monthly payments In many cases, monthly payments can be reduced up to 70%.在许多情况下你每月付款,每月付款可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Christian Debt Reduction is more than just debt consolidation.基督教减债不止债务整理. Our Christian debt reduction program also includes christian debt settlement.香港基督教减债计划还包括基督教债务清偿. With debt settlement, the principal of your debts can actually be reduced , easing your debt burden in a significant way.与债务清偿的债务本金,你可以减少您债务负担大大减轻.

Please fill out the form on the right for a free Christian Debt Reduction counseling session.请在正确填写申请表格基督教减债免费咨询会议.

Christian Debt Settlement can lower your outstanding debt您能不能降低基督教债务清偿欠款
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers' need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有信徒们在充满挑战的时代需要. Our Christian debt settlement program can help.基督教债权解决方案可以帮助我们.

Christian Financial Consultants' unique debt settlement and credit counseling program may help you to:基督教财务顾问的独特债务清算和信贷辅导计划可能帮你:

• Lower your monthly payments In some cases monthly payments can be reduced up to 70%.在某些情况下你每月支付每月支付可减少多达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.大幅度降低利率基督教财务顾问正在实现平均利率在6%至8%的客户.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Christian Debt Settlement is more than just debt consolidation.基督教不止债务清偿债务的巩固. With our Christian debt settlement program, the principal of your debts can actually be reduced, easing your debt burden in a significant way.基督教与债权解决方案,主要你可以减少债务,您债务负担大大减轻.

Please fill out the form on the right for a free Christian Debt Settlement counseling session.请在正确填写申请表格基督教债务清偿免费咨询会议.

Having difficulty meeting your obligations despite your sincere intentions?你有困难的义务,尽管你会诚意吗?
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有的信徒在充满挑战的时代需要.

Financial concerns distracting you from service to God, family and society?金融服务从分散你的上帝,家庭和社会?
Christian Financial Consultants will return you to a simpler lifestyle - a life of joy and service that God and His son intended for all of us.基督教会回到你的财务顾问简单生活-快乐的生活与服务,而上帝给他儿子所有人.

Christian Financial Consultants' unique debt consolidation program may help you to:基督教财务顾问的独特债务整理规划有助于您:

• Lower your monthly payments降低你每月付款
• Drastically reduce interest rates大幅降低利率
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Please fill out the form on the right for a free Christian Debt Consolidation counseling session.请在正确填写申请表格,免费咨询会议巩固基督教债务.

At Christian Financial Consultants, everything we do is based on Christian financial concepts .在基督教财务顾问,凡事是以基督教财务观念.

Our credit counseling and debt consolidation programs are rooted in Christian values and Christian financial concepts.我国信用咨询和债务巩固节目植根于基督教的价值观和基督教的金融观念. Christian Financial Consultants can help you down the path to a life free of financial burdens.基督教财务顾问可以帮助你走上了人生无负担.

Our Christian Financial Concepts counseling program can help you to:我国金融观念基督教辅导计画可以帮你:

• Lower your monthly debt payments In many cases, payments can be reduced up to 70%.降低你每月还债在许多情况下,金最多可以减少70%.
• Drastically reduce interest rate charges Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients.利率大幅降低收费基督教财务顾问目前平均利率达到6%至8%的客户.

To learn more about Christian financial concepts, please fill out the form on the right side of this page for a free Christian Financial Concepts counseling session.了解基督教金融观念请填写表格的右边这一页,免费咨询会议基督徒财务观念.

Having difficulty meeting your financial obligations despite your sincere intentions?你有困难的财政义务,尽管你会诚意吗?

Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有的信徒在充满挑战的时代需要.

Financial concerns distracting you from service to God, family and society?金融服务从分散你的上帝,家庭和社会?
Christian Financial Consultants will return you to a simpler lifestyle - a life of joy and service that God and His son intended for all of us.基督教会回到你的财务顾问简单生活-快乐的生活与服务,而上帝给他儿子所有人.

Christian Financial Consultants' unique debt consolidation program may help you to:基督教财务顾问的独特债务整理规划有助于您:

• Lower your monthly payments降低你每月付款
• Drastically reduce interest rates大幅降低利率
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Please fill out the form on the right for a free Christian Financial Counseling session.请在正确填写申请表格,免费财务咨询基督教会议.

Generally, any loan or credit sale agreement in which the amounts advanced, plus any finance charges, are expected to be repaid in full over a definite and specified time.一般而言,任何信用贷款或销售协议,其中先进的金额,加上任何财务费用、预计可全部还清,并明确时限. Most real estate and automobile loans are closed end agreements.大多数房地产和汽车贷款协议年底关闭.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Property (or other asset) that is offered to secure a loan or other credit and that becomes subject to seizure on default.物业(或其他资产),争取优惠贷款或其他信贷成为受检拖欠. (Also called security.)(又称安全.)

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Extra requirements other than repayment (such as a ‘structural adjustment’ policies) demanded by the lender before new loans are granted.除了额外要求还款(如'结构调整的政策)所要求的新贷款放款前. Conditionality refers to 'conditions' attached to the loan agreement.有条件指『条件』附在贷款协议.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Consolidating Credit Cards to One Account一个巩固的信用卡帐户
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Hi Scott,喜史葛
I am a recent college graduate and I have accumulated about $4,000.00 worth of debt spread out in 4 different credit card accounts.我是一名大学生,最近我已经积累4,000.00元的债务约为4不同摊开信用卡帐户. I would like to transfer all of the balances to an account with a lower APR to save money and to make monthly payments more convenient.我想,把所有的帐户余额较低四月省钱做出每月付款更为便利. The problem is that I have not been able to be approved for a credit card with a limit of over $1500.00.问题是,我无法得到一个信用卡限额达1500.00. Besides having multiple cards near their credit limit, I have good credit and always make payments on time.除了多卡就近信贷额,我一直有良好的信用和按时付款. Is there anything that you can recommend?你有什么东西可以推荐? Please Help!请帮助!
--Mary--玛丽.

Mary,玛利亚

Thanks for writing!写作感谢!

I know just how you feel.我知道你是怎样的心情. I had the same situation when I was finished with college because I had to use my credit cards to help finance my senior year.我有相同的情况,当我完成了大学,因为我用我的信用卡为我的高级财务年度.

Here's the deal.这里的交易. The most important aspect of that debt is how much it's costing.最重要的方面,它的债务是多少成本. At least that's my opinion.至少这是我的看法. The best loan is the cheapest loan and I consider it worth the work to write four separate checks if the rates are worthwhile.最便宜的贷款和贷款我认为值得写四个独立的检查工作,如果税率是值得的.

Many people make the mistake of consolidating simply because they don't like the work involved with handling many accounts.许多人误巩固仅仅因为他们不喜欢的工作,处理许多帐户. The mistake is that they consolidate at a greater rate for the convenience of having one payment.错误是,他们在巩固提高率为方便有一金. It's a personal choice to decide if it's worth a little extra in interest charges to avoid dealing with four accounts.这是个人的选择,以决定是否值得一点钱,以免利息在处理四个帐户. It's not worth the extra cost for me.它的额外成本,不值得我.

If you do consolidate your accounts into one then please do not close your zero balance accounts!如果你巩固你一个帐户然后进入你不要接近零余额帐户! If you close your accounts you close your credit options.如果你关闭你的帐户你选择接近你的信用. You may need those other cards sometime in the future to make the current banks compete for your business.你可能需要其他卡有朝一日将争夺本届贵银行业务. You always want to have credit options and the best options, in my experience, emanate from banks that you have had a long relationship with.你总是希望能有最好的选择,选择和信用,根据我的经验,你来自银行有着长期的关系.

Now let's talk about consolidating and saving money!再来谈巩固和省钱!

You mentioned having trouble getting new lines of credit to consolidate that $4,000 but there's another strategy you should attempt.你提到有新的麻烦信贷额度越来越巩固,但有4,000的另一策略你应该尝试. Call each of your existing accounts and ask for their balance transfer department.请你们每个帐户现有余额,请他们转汇. Tell the rep, "I have about $3,000 of debt on other cards. If you (1) raise my credit limit, and (2) give me a great rate, I'll do the transfer right now otherwise I have three other banks to call!"告诉证,"我对其他债务约为3000卡.(1)如果你问我的信贷限额(二)给我一个伟大率我干的转移,否则现在我有三个要求其他银行!"

They may increase your credit limit on the spot by a few hundred dollars, they may do as you ask, they may need to get back to you, they may say no.你可以增加即期信用限额由数百元你问他们可以做,他们可能要回到你可以说不. No matter what happens, call each bank and see what they can do.不管发生什么事情,并呼吁各银行看到他们可以做. If they do give you a good offer, then transfer your balance.如果他们给你一个好的建议,那么你的平衡转移.

If they deny your credit line increase, then be sure to get a free copy of your credit report from the credit-reporting agency that the bank used to reject your line-increase request.如果他们否认你的信贷额度增加然后就能掌握您的信用报告免费索取从信用报告机构,银行拒绝你用线增加请求.

Good luck and please let me know what happens!好运让我知道发生什么事情,请!

Regards,问候
Scott斯科特

PS: And you can take that to the bank!聚苯乙烯:你可以到银行! :):)

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

Is consumer debt counseling for you?是消费者债务咨询,你呢?

Christian Financial Consultants can help you answer that question.基督教财务顾问可以帮你回答. Our consumer debt counseling program may be able to help you mange your debts and eventually to eliminate debt obligations completely.我国消费者债务辅导计画可以帮助您体现贵债权债务,并最终彻底消除.

Get started today.今天启动. For a FREE consumer debt counseling session, please fill out the for on right side of this page.免费为消费者债务咨询会议,请填写在右边的这一页. There is no charge and no obligation for this consumer debt counseling session.并无收取任何义务告知消费者债务咨询会议.

Benefits of Consumer Debt Counseling:消费者债务咨好处:

• Lower your monthly payments In some cases, payments can be reduced as much as 70%.在某些情况下你每月付款,付款可以减少高达70%.
• Significantly reduce interest rates Christian Financial Consultants is currently achieving interest rates between 6% and 8% for our clients, much lower than high credit card interest rates.基督教大大降低利率财务顾问正在实现利率在6%至8%的客户比信用卡高利率.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Please fill out the form on the right for a free consumer debt counseling counseling session.请在正确填写表格,供消费者免费债务辅导辅导面谈.

The promise to pay in the future in order to buy or borrow in the present.在今后的付款承诺以购买或借用的. The right to defer payment of debt.权债务暂缓支付.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Credit card debt can be one of the worst types of debt, due to high interest rates.信用卡债务可以种最糟糕的债务,由于高利率. High-interest credit card debt can result in hundreds of dollars in interest each month, making it even more difficult to reduce or eliminate your credit card balances.高利息的信用卡债务可导致数百万元利息每月更难减少或消除你的信用卡余额.

Debt consolidation can be an effective way to reduce and eliminate credit card debt .巩固债务可以有效地减轻和消除信用卡债务. Our counselers can help you consolidate and reduce your credit card debt.我们可以帮你counselers巩固和降低你的信用卡债务. Simply fill out the form on the rigth to receive a free counseling session.简单的新闻记者填写表格领取免费咨询会议.

Credit Card Debt Consolidation can lower your credit card payments.信用卡债务合并可以降低您的信用卡付款.
Christian Financial Consultants will light the path to freedom and will minister the support that all of His followers' need in challenging times.基督教会财务顾问轻走上自由和部长的支持,将所有信徒们在充满挑战的时代需要. Our credit card debt consolidation program can help.我们信用卡债务计画有助巩固.

Christian Financial Consultants' unique credit card debt consolidation program may help you to:基督教财务顾问的独特信用卡债务合并计划可能帮你:

• Lower your monthly payments In some cases, monthly payments can be reduced as much as 70%.在某些情况下你每月付款,每月付款可减少高达70%.
• Drastically reduce interest rates Christian Financial Consultants is currently achieving average interest rates between 6% and 8% for our clients, much lower than high credit card interest rates.大幅降低利率基督教财务顾问目前平均利率达到6%至8%的客户比信用卡高利率.
• Eliminate credit card payment late fees and over-the-limit charges杜绝信用卡支付逾期费了超限额收费

Please fill out the form on the right for a free credit card debt consolidation counseling session.请在正确填写申请表格,免费咨询会议巩固信用卡债务.

What is credit card debt consolidation?什么是信用卡债务合并?
Credit card debt consolidation is a means of consolidating all of your credit card debt into a single debt obligation, usually with a much lower interest rate.信用卡债务是巩固你一切手段巩固成为单一的信用卡债务债务的义务,通常以较低的利率. Our credit card debt consolidation program can help you pay off your credit card debt much faster.我们信用卡债务整理程序可以帮你的信用卡债务还清你快得多.

Please fill out the form on the right for a free credit card debt consolidation counseling session.请在正确填写申请表格,免费咨询会议巩固信用卡债务.

Getting Your Overpayment Refund越来越多贵退款
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Dear Scott,亲爱史葛

I receive your newsletter and love it.我接受你的爱和通讯. Very helpful!很有帮助!

Recently I have taken out a debt consolidation loan.最近我已经购买了巩固贷款债务. From application for the loan and closing on the loan was 3 months.从申请贷款和封闭贷款为3个月. The consolidation loan included preprinted checks made out to each of the creditors (5) with the total balance owed at the application time.巩固贷款包括印制检查出每个人的债权人(5)在欠平衡总申请时间.

The problem was that during the 3 months before closing I had been paying the minimum payment, so when the loan closed and the checks were issued the check amount was higher then the actual balance.问题是,在3个月前,我曾付出最低闭幕金所以当封闭贷款的检查,共发出检查当时的实际负债额高.

I have received credit checks from all of the creditors for the difference but one.我收到的信用检查各债权人分别只有一个. The one I have sent 2 letters to the customer service address request the account be closed and issue the check.我已派出一至二月来信客户服务请求到解决问题的封闭和检查.

It has been 2 months with no response from the creditor.据2个债权人无反应. I have received 2 statements showing the credit.我也接获报表显示信贷. What is the next step to getting the money back?什么是下一步越来越还款?

They owe me $179.00 to much money to walk away from.欠我179.00元钱给顶着. What is very upsetting to me is that, if I owed them money, I would have to pay late fees, interest and get marks on my credit report.什么是对我很恶心,如果我欠他们钱我要付出学费晚,标志着我的兴趣和取得信用报告.

Sincerely,敬祝
Aimee亲爱

Aimee,亲爱的,

Thanks for writing!写作感谢! I love your attitude!我爱你的态度!

They should be required to pay you a late fee!他们应缴纳逾期费您! But doubt that will ever happen but maybe someday a law can be added to the books that would require late fees due the consumer in this situation.但相信不会出现,但也许有一天,有法可列入本书,逾期需费因消费者这种局面.

I have certainly been in similar situations.我当然一直在类似情况. By making an overpayment to any creditor, you create a credit balance.由债权人作出任何超额你创造信用余额. That credit balance must be returned to you.信用余额,必须还给你. You asked for a check twice and they haven't sent it.你问了两次检查,并没有发.

Here's what I would do...这里的::我会这样做

1) I'd call and speak to a customer service rep to see what's going on with the check.1)我的客户服务电话,讲了证见怎么回事与检查. Maybe they sent it and the "check is in the mail."也许他们派和"遏制是在邮件"

2) If I still didn't receive the check, I'd use the credit card for my normal shopping, groceries, etc. Once I spent $179 I'd stop.2)如果我还没有得到遏制,我为我的正常使用信用卡购物,杂货,等我一旦停止我花179元. If I went over $179 I'd pay them the difference and never use the card again.如果我去我就会付出179多美元的差额,不使用卡.

3) Here's a technique you can try if you don't mind more hassle.3)这里的技巧你可以尝试,如果你不介意更麻烦. I would do it because I'm also interested in finding out the results of creative financial techniques and telling everyone what happened.我这样做,因为我也有兴趣了解的结果告诉大家的技术和金融创新什么事. If I had credit checks issued on that credit line I'd write myself a check for $179 and deposit it into my personal checking account.如果我的信用贷款额度,检查稿我自己写了179美元支票存到我个人的查核帐目.

There a few possible complications with this: (1) if they have already sent you a check for $179 then it would be a cash advance and subject to cash advance fees (2) even if they haven't issued the check they may still try to charge you a cash advance fee, even though it's your money!有几个可能的并发症有:(1)如果你已经派出一个检查179美元现金,那么它是一个进步和现金预受费(2)即使没有新闻检查也许会找你现金预先收取学费、即使你的钱! In fact, I would bet they would charge you the fee.事实上,我打赌他们将负责你的学费. If I received a statement, after writing the check, that the $179 brings my balance to zero (plus a fee), because it's my money, and they charged me a cash advance fee, I'd call the bank and ask to have that fee waived because they never sent me the credit check.如果我收到了言,写了检查后,我带了179元,余额为零(另加费),因为这是我的钱我提前收取现金,他们费我呼吁世界银行和要求,因为他们从来都认为费寄给我的信用检查. They'd probably argue and say it's still a cash advance to which I would reply, "it's not an 'advance' against my credit line because it's not a loan, it's my own money!"他们早早大概争辩说,它仍然是一个现金推动我答复"这不是'提前'路线,因为这对我的信用不贷款,它自己的钱"! If they still didn't waive the fee I'd formally dispute the charge.如果他们仍然没免收学费我正式否认控罪. I don't know if you want to make a mountain out of a molehill however, it is an option.我不知道你拍小题大做但它是一种选择.

4) Same as (3) but use the card at an ATM or do a cash-advance at a bank.4)(3)相同,但卡在自动柜员机或用做现金银行提前.

Please let me know the outcome of your situation--thanks!请让我知道你的情形成果--感谢!

Regards,问候
Scott斯科特

For free information about how we can help you reduce your debt, please fill out our form .免费为您提供有关如何帮助您降低债务,我们请填写表格.

A record of how a person has borrowed and repaid debts.记录如何偿还债务和借款人. A person's credit history can can span up to 10 years or more.一个人的信用历史跨度可达到10年或更长时间.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Debt can build up and become more and more difficult to manage.建立和债务越来越难以管理. High credit card interest rates make the situation even worse.信用卡利率偏高,使情况雪上加霜. Our credit repair counselers can help you reduce your debt and repair your credit.我们可以帮你降低信用修复counselers您债务和修理你的信用.

We negoitiate with your creditors to reduce your interest rates and consolidate your debt into a single, manageable monthly payment.我们negoitiate减少你与你的债权人你的债务利息和巩固成一个单一、易于管理按月支付.

Simply fill out the form on the right for a free Credit Repair counseling session.仅仅在正确填写申请表格免费修理信用辅导面谈.

A statistical system used to determine whether or not to grant credit by assigning scores to various characteristics related to creditworthiness.统计系统用来确定是否给予信用分数分配给各相关信用特点. An example of a credit scoring system is the Beacon Score.信用评分系统的一个例子是灯塔得分.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

A creditor's measure of a consumer's past and future ability and willingness to repay debts.债权人衡量一个消费者的过去和未来偿还债务能力和意愿. Creditworthiness refers to the likelyhood that a person will repay a debt completely and on time.信用指一个人的likelyhood将完全按时偿还债务.

For a free debt consolidation counseling session, please fill out the form on the right.免费咨询会议巩固了债务,请在正确填写表格.

Are your debts piling up and becoming difficult to manage?您债务堆放,成为难以管理? Debt consolidation can be an effective way to reduce the burden and help you along the path to completely eliminating your debt.巩固债务可有效地减轻了负担,帮助你走你彻底消灭债务.

Our debt consolidation program can help you:债务整理程序可以帮助你:

• Consolidate your payments into one monthly payment巩固你每月支付一成
• Lower your monthly payments降低你每月付款
• Drastically reduce interest rates大幅降低利率
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

For a free , no obligation counseling session with our debt consolidation specialists, please fill out the form on the right.一个自由、无责任债务与巩固专家咨询会议,请在正确填写表格.

Need debt consolidation help ?需要帮助巩固债?

Debt Consolidation can lower your credit card payments.你能巩固债务降低信用卡付款.
Christian Financial Consultants can light the path to freedom and will minister the support that all of His followers' need in challenging times.财务顾问可以根据基督教走上自由部长的支持,将所有信徒们在充满挑战的时代需要. Our debt consolidation program can help .综合计划可以帮助我们的债务.

Christian Financial Consultants' unique debt consolidation help program may help you to:基督教财务顾问的独特债务整理规划有助于帮助你:

• Reduce your monthly payments In some cases, your payments can be reduced as much as 70%.减少你每月付款在某些情况下,你可以减少支付高达70%.
• Drastically reduce interest rates We are currently achieving average interest rates between 6% and 8% for our clients, much lower than high credit card interest rates.我们正在大幅降低利率平均利率达到6%至8%的客户比信用卡高利率.
• Eliminate late fees and over-the-limit charges清除费用和迟了超限额收费

Please fill out the form on the right for a free debt consolidation help counseling session.请在正确填写申请表格,免费协助咨询会议巩固债务.

What is debt consolidation, and how can it help?什么是债务整理、如何帮助?
Debt consolidation is a means of consolidating all of your debt into a single debt payment, usually with a much lower interest rate.债务是巩固你一切手段巩固清欠债务成单一、通常以较低的利率. Our debt consolidation program can help you pay off your debts much faster.我们可以帮你债务清偿计画巩固你的债务要快得多.

Please fill out the form on the right side of this page for a FREE debt consolidation help counseling session.请填写表格的右边这一页,免费咨询,帮助巩固债务会议.

Debt Negotiation债务谈判
by Scott Bilker由斯科特bilker

Scott Bilker is the author of the best-selling book "Credit Card and Debt Management."斯科特bilker是作者的畅销书"信用卡和债务管理" He is also the Editor and publisher of the FREE DebtSmart® E-mail Newsletter ( http://www.debtsmart.com ).他还编辑和出版自由debtsmart®电子邮件通讯(http://www.debtsmart.com). Sign up today!今天报名!

Question问题

I need to know if this will really work.我要知道,如果这样是否可行. It makes me very nervous in not paying my bills so they can be negotiated.这使我很紧张,所以他们在票据拒付我可以谈. I talked to DEBTCO and I got very excited that I could be out of debt in 3 years but when I got the papers (contract) I felt a little uneasy.我和我谈过debtco得非常兴奋,我可以在3年内摆脱债务但当我得到的文件(合同)我感觉有点不自在. Should I be uneasy?难道我会放心? Should I think more about consolidation?我应该想想巩固? Please help me make the right choice.请帮助我作出正确的抉择. I really need help with my debt.我真的需要我帮助的债务. Thank you.谢谢. --Jackie--济

Answer答案

Jackie,济、

Thanks for writing!写作感谢!

I do not know all the details for DEBTCO however, I'm certainly familiar with negotiating for payoff terms with credit card banks.我不知道所有的细节debtco但是我当然熟悉洽商与信用卡支付银行.

It's been my experience that credit card banks will negotiate settlements with customers who are having trouble.这是我的经验,信用卡银行与客户协商定居点正在吃麻烦. And "having trouble" does include not being able to make their payments.而"麻烦"是否包括未能做出付款.

My impression is that you're a good money manager and can find a way to pay your bills by using your credit options.我的印象是,你可以找到一个好的经理和金钱的方式来支付你用你的信用票据期权. You don't want to be late because you know that would really hurt your credit history.你不想迟到,因为你知道你真的伤害信用历史. Worst of all, paying late may increase the cost of your outstanding balances if banks penalize you by raising your rates--not to mention all the late fees and other penalties.最坏的情况,逾期缴纳的费用可能增加你银行余额惩罚你如果你提高利率--更不用说所有已故的费用及其他处罚.

My guess is that they (DEBTCO) want you to stop paying so you'll fall into the category of being in trouble and, therefore, it will be much easier for them to settle your accounts. Even if they can settle your accounts for less, which is probably the case, the settlement will be reported in your credit history and will certainly not look pretty to future lenders.

Okay, so I've written a lot of words so far but really haven't reached a conclusion. This is because there's always a trade off. You can do what DEBTCO says and probably (not definitely) have them settle your accounts for less thus saving you money.

BUT you risk the consequences of not paying your bills on time which can be further-reaching than the penalties on the accounts you want to settle. Lately, many banks have changed their policies to include clauses that give them the right to raise your rates if you're late paying other creditors!

Here's an example of that from my Citibank card: "If you default under any Citibank Card Agreement because you fail to make a payment to us or any other creditor when due, you exceed your credit line, or you make a payment to us that is not honored by your bank, we may increase the ANNUAL PERCENTAGE RATE (including any promotional rate) on all balances to a default rate of up to 24.99%."

What to do?

I never want to tell people what they should do. Ultimately you should base your decision on what you have learned. Speak with people that you trust to help you make our decision.

However, I can tell you what I would do if I were in your position.

I would call each bank that you want to settle with and ask to speak with their "settlement department." Tell them that you're going to be having trouble paying your bill and that you may even be considering bankruptcy (which you may have to sometime), but you want to find out your options for paying off the account in full if they reduce how much you need to pay to "settle" the account. For example, if you owe $5,000, tell them that you can pay it off in full for $2,500.

They may say that you must pay it off in ful,l or they may offer other payment plans or even reduce the interest rate to zero. They will need to be convinced that you really need help otherwise they won't consider settling the account for less than the outstanding balance.

Just make it clear to them that you'll be talking to a bankruptcy attorney to explore that option. Tell the bank that if they can offer you something reasonable you'll work with the bank, or else you'll be forced to consider the bankruptcy option.

What I'm suggesting is that you try to settle the accounts yourself first. You may not be able to get better payoff numbers than DEBTCO but it's possible that you can. Also, you may be able to avoid the problem of not paying your accounts on time.

I'd be happy to look at your contract with DEBTCO and give you my opinion on what they're promising. You can send it to me by email or fax to (609) 660-1412.

Good luck and please let me know what happens!

Regards, Scott

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