{Disclosure}
"The ideas/opinions expressed on this blog are those of the blogger (J. Baker). Understandably so, yours may be different. Additionally, I receive commissions when you click on links on this website."
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Yes!, it's your money, and your financial future!
Welcome to:
Controlling Family debt!
If at some point in your life, you may have said 'things were good (or great), financially'!
a. You had a great job!
b. You had a nice retirement or savings plan in the works!
c. You did not have to be concerned about a plan to buy something on credit!
d. You had seen credit repair, debt relief ads, and other public information related to "get your credit in order!", but you thought nothing of it! You may have said, 'that really is great, but I don't need it'.
e. But, now, as you have thought about what that was all about, you are seriously thinking about your finances! Now, you see how you may have a few things to check regarding your current situation!
f. Additionally, when you think about it, you see how citizens, and perhaps some of your older relatives may need to take a second look at their credit; in general. As one would say, perhaps they ( senior citizens alike) should consider fixing their credit now.
f. For the first time in your life, you realize the importance of not leaving financial debt and un-predictable financial woes to others to make decisions over!
We're committed to seeking out and making available, to you, any and all the support possible in assuring you are able to make contact with those companies that can help your family with these types of services.
Thanks, Jimmie Baker
Getting out of debt is much harder than you think. I feel as though that was without saying. If only you agree that when a payment is made, nothing or very little, changes. It's as if that one balance just never reduces itself!
Literally, it's seeing that an account that was expected to be at or near a zero balance is the same or near the amount that it has been for years. As you may agree, it's balance is being maintained by the interest and/or other fees that you basically seem to not have any control or "say so" about.
But, what we have now is an industry who's primary goal it is to assist by designing a program to relieve consumers of out-of-control debt. They do it by offering a from of consolidation that may offer some comfort.
These types of loans are known by names such as:
a. debt consolidation loans
b. bill consolidation loans
c. debt relief loans
d. high credit card payoff loans
e. debt settlement loans
f. debt reduction plans
g. debt consolidation programs
h. tax payment plans
...and there are more names...
As for opinions, you would only have to read some of the reviews of those who have choosen to enroll in a debt consoliation program. That may be the one thing that gives you the urge to at least take your thinking a step further.
Understandably so, a debt consolidation plan is not for everyone. And surely, not every one needs or qualifies for a program.
Much is available, when it comes to who is qualified; to include all the particulars.
I often wonder, how would I be able to rent a car, if I allow my credit to remain in it's present state! I really would have to check prices and qualifications of many before deciding which rental company to use...
If it's your desire to reduce the amount of monthly income outgo, please continue to gather more information on how you can benefit.
A question would be, "Would you have the time to do the things that you have set goals for but not realized them?" "Would it mean a bettter handle on a career choice?" "What about all those things that you have delayed up to this point?"
I cannot emphasize enough. It is a fact that even if you are not the person to accept a program such as this; you may have a family member, co-worker, neighbor, church member, or social member friend who's life would change greatly.
When enrolling in a debt consolidation program, you may be courious about benefits, and generally, what would you expect. An example of these expectations appear below:
Expecting to have more favorable interest rates on the amount of money you owe to creditors?
Expect that your consolidation company exhibit professionalism.
Expect payments to be smaller, but do they still show a reduction of total debt yet to pay?
continuing with benefit expectation...
Expecting your payments to be individually submitted, but will that have cause a bit of confusion as to what is paid off and when?
Should I expect to get phone calls, messages, etc., from creditors, in which I would have to explain the decisions I have made?
At what point would I say to myself, "...next time I will use better financial management!"
No thanks!
But, if you say, "thanks for offering and suggesting, but I think fixing my credit is the better choice." You can review that information listed here, as well.
