Best Debt Consolidation - 3 Things To Look For
If you've decided that a debt consolidation service can help you regain control of your finances and pay off your creditors, you'll want to choose the best company. As you browse different debt consolidators, compare their services and fees. Before you pick a debt consolidation service, make sure it offers these three things:
Top Recommended Companies To Refinance With:
(updated ):
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- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
Helpful Loan Tips:
- Apply with more than one company to compare offers.
- Study your options before committing to a debt program.
- Cut out small luxuries to pay down debt at the beginning of your debt reduction program.
A free quote or estimate
Any company that wants cash from you immediately--before even reviewing your paperwork--is probably unscrupulous. Legitimate debt consolidators usually offer a free quote or estimate. At no charge to you, they'll look over your bills, creditors and financial situation. Then, once they've reviewed your case, they'll assess your costs--including their fees and charges--and give you a quote. After that, you can decide for yourself if you want to hire the company to help you consolidate your debt.
Email, mail AND phone contact
Be wary of any company that only has email or snail mail as their contact information. You'll want to make sure that the company has a phone number available on their website. Call the number and see if a real person--not just a voice mail service--answers. Speak with the representative and check to see if they're knowledgeable and courteous. Chances are you'll be assigned a "case manager," too. Make sure you will get this individual's direct phone number or extension.
The service you need
Some companies will only help you organize your bills and negotiate with your creditors. Others will help you consolidate your debt into one monthly payment (which you pay to them, and then they split between your creditors). And some even have credit repair services that can help improve your credit score. Make sure the company you choose has the resources and expertise to help you fulfill your needs.
Be sure to compare a few different debt consolidators when you're choosing the one for you. Just remember: before signing on with any debt consolidation company, make sure they offer a free price quote, live customer service and the services you need.
Our Recommended Debt
Consolidation Companies: Top Recommended Companies To Refinance With:
(updated ):
Act Now! Lower your monthly mortgage payment!
- Competitive rates and no hidden fees
- Bad Credit OK
- New Purchases, Home Equity & Refinance
- One dedicated mortgage banker from first call to closing
- Quick Application with worthwhile results
If you are looking for a mortgage loan but have "less than perfect credit" this company has options for people with credit problems. Complete a short form and get one dedicated mortgage banker from first call to closing with a simple, straightforward process.
Mortgage rates are still low. Refinance & Lower Your Payment!
- Get Started on a Lower Payment Now!
- America's #1 Online Lender
- Save More and Spend Less!
- No Obligation and Free Expert Advice Another Great "bad-credit" Mortgage Company! QuickenLoans is also a competitive mortgage company for people with all types of credit including poor credit. Refinance or get new mortgage offers from this reputable Web based mortgage lender.
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