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Credit Card Consolidation
With this option, you will not be able to use your credit cards once you begin making your consolidated payments. This could be a good option for you if you know that having credit cards open while working to pay them off using a low-interest card would be too tempting. You simply meet with a counselor, let them know your credit card bills, and they will negotiate repayment plans with your creditors.
One financial guru says that the next thing you do is save up your initial emergency fund. Once you have a small emergency fund in place and have set up a budget, you are comfortable with your way of life and can afford it. What you do next is get rid of that debt. Some time will have passed. No matter what standing you have with your credit card accounts, do not skip the above steps.
There are many companies out there that you may see on TV commercials or online when you search. However, not all of them are equal and you will need to learn what you can about them.
Credit Card Debt Relief - Have You Tried The Debt Snowball Plan?
One other option, which is one that tends to be at the bottom of the list is to get a loan and use your home
as collateral. This type of loan may come in the form of a rotating line of credit, which is beneficial if you are able to resist the urge to live off of the money.
The next step is to add up the balance for each credit card debt you wish to clear. This will be the amount that you will have to borrow to consolidate the credit cards and then pay them off.
Alternatively, you can ask for a copy of your annual credit report. This is usually free and will list all your credit card accounts and outstanding balances.
If you are self-employed you might experience a dip in your income whether it is a seasonal decline or one brought on by economic factors. While you work to increase your income you may rely more on your credit. If you have recently lost your job or you experienced a major car repair or dental emergency, you may also have relied upon your credit cards more than usual. Perhaps you were counting on it being temporary but things are taking longer to rectify than you anticipated.
That is the only way you are going to move financially forward. Trust me, I've lived it and know what I'm talking about. You must absolutely get yourself financially healthy by taking the right steps.