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Credit Card Relief
You are not alone. Let me tell you how I moved on after taking on too much credit card debt. You will learn how you can simultaneously live comfortably after working out a budget, putting debt in its place and working towards financial peace and freedom.
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.
Look for a company that is accredited by the National Foundation for Credit Counseling. These companies are experienced in providing help to debtors who are struggling to pay their bills. They will speak with you to find out what your circumstances are and then, together, you will work out a repayment plan for your credit card bills.
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.
This is a debt repayment method that works. You get your emergency fund in place, balance your budget, save and pay your existing bills and you start knocking out debts one at a time. You can pay on them all, but according to the debt snowball plan, what you do is focus primarily on the bill that you owe the least for. Once you knock out that balance, you move the money you were paying for that one of the next least expensive bill.
Apply for a Loan
Once you agree to the agreement and submit it, the lender will inquire for your bank account information so that they can release the funds. How fast you get the money will depend on the institution, but most tend to release the funds within 24 hours.
There are some occasions when it makes more sense to not consolidate into a loan. If, for example, you have balances on a few different credit cards but they are all fairly small balances and you have a good credit rating, then you could benefit from taking out a zero interest credit card for balance transfer. With this, you transfer the debt from one credit card that charges interest, to one that does not.
If you are struggling to pay credit card bills, consider getting a low-interest card to transfer your balances. If that is not feasible, talk to a counselor about getting started on a debt relief plan today.