Software-Opportune International Mag - Issue V-1365

 

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Debt And Bill Consolidation

Debt and bill consolidation is the practice of paying off many loans with one loan. This is undertaken by debtors for lowering their interest rates on loans and to enjoy the convenience of making a single monthly bill payment than multiple ones. Multiple bill payments increase the chances of missing a payment, which could adversely affect one’s credit score. Sometimes, debtors take one loan to pay off multiple loans with the intention of locking in a fixed interest rate.

The debtor secures a lower interest rate through debt and bill consolidation by paying off unsecured loans, like credit card balances, with a secured loan, like a loan on the house. Since secured loans are less risky for the lending agency, the debtor gets charged a lower interest rate. There can be sizeable gains from reduced interest rates, since credit card interest rates are substantially higher than mortgage interest rates.

Debt and bill consolidation is normally resorted to by people who have used their credit cards considerably above what their current income levels permit them. Students also consolidate their student loans to lower their interest rates and improve their credit rating. Debt and bill consolidation helps one improve one’s credit score by enabling one to make the monthly payments on time and keep credit card debt to a minimum.

There are many debt consolidation companies that help debtors manage their debt through various debt management programs, counseling, and advice. Some of these work for free, while most work for a fee. The psychological benefit of consolidation is immense. However, debt consolidation can work in the long run only if the debtor does not go back to his or her spending ways with credit cards.




 

Software-Opportune International Mag
FULL PAGE ADVERTISERS

0-ANTHONY-JOHN.pdf
0-DANNY-DEJESUS.pdf
0-JCPatton.pdf
0-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
00-C-BUSTAMANTEZ.pdf
00-C-PRIDGEN.pdf
00-D-BROWN.pdf
00-D-CANYON.pdf
00-DALTON-BLUETOOTH INNOVATIONS.pdf
00-DALTON-WANTED POSTCARD MAILERS.pdf
00-FORCE-MARKETING final.pdf
00-G-MARTIN.pdf
00-J-HURLEY-2.pdf
00-J-OWENS.pdf
00-JJ-GARNER.pdf
00-P.L. CARTER-MAKE MONEY MAGAZINE.pdf
00-R-CUTTS.pdf
00-R-Peterson.pdf
00-S-EISON2.pdf
00-Vaught.pdf
00-Wrightsco-com.pdf
00-d-balderstone.pdf
00-d-nicholls.pdf
00-m-bugarini.pdf
00-m-derrick.pdf
00-r-vandergrift.pdf
00-s-frescas.pdf
00-w-powell.pdf
00_OIL_&_GAS _INTERESTS.pdf
01-AARON-BRYANY.pdf
01-D-Foley.pdf
01-DEL-PILAR.pdf
01-J-HURLEY.pdf
01-Slaton-Eison.pdf
02-Brite-Star.pdf
03-Brite-Star2.pdf
11-Dalton 10 2019.pdf
199-S-EISON.pdf
77-h-clay.pdf
88-BD-JOHNSON.pdf
88-D-Baker.pdf
88-J-SMITH.pdf
88-d-nicholls.pdf
88-eMclvor.pdf
88-h-clay.pdf
88-j-orlando.pdf
88-l-domerson.pdf
88-l-gaines.pdf
88-m-bugarini.pdf
88-s-frescas.pdf
99-A-Moore.pdf
99-E-Bynum (2).pdf
99-E-Bynum.pdf
99-H-Clay.pdf
99-J-SMITH.pdf
99-JC-Patton-Mail-Lists.pdf
99-JCPatton.pdf
99-Monique's Mail (2).pdf
99-Monique's Mail.pdf
99-R-Peterson.pdf
99-c-vandergrift.pdf
99-j-orlando.pdf
99-j-skuse (2).pdf
99-j-skuse.pdf
99-jj-jones.pdf
99-l-domerson.pdf
99-l-gaines.pdf
99-r-vandergrift.pdf
99-wrights.pdf
A-Moore.pdf
BD-JOHNSON.pdf
FRED-HINSTON.pdf
IMDA-MEMBER-LIST-99-LABEL-READY.pdf
MAKE-MONEY.pdf
STS212.pdf
STS213.pdf
STS213a.pdf
STS214.pdf
STS215.pdf
STS216.pdf
STS217.pdf
STS218.pdf
WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
Your-2018-ADSHEET-DIRECTORY1.pdf
Your-2019-ADSHEET-DIRECTORY-ctm.pdf
Your-2020-ADSHEET-DIRECTORY.pdf
c-vandergrift.pdf
mail order report.pdf
sam-scruggs-21.pdf

 

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