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  • debt free

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    Personal Debt Reduction Practices

    Personal debt reduction practices, the steps people take to relieve the debt in their lives and to become more financially free, are a hot topic among financial circles. American personal debt reduction practices and spending habits are producing more people who are deeper in debt rather than people trying to achieve financial freedom. The amount […]

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    Tips on Debt Settlement

    While settling any outstanding debt is a good place to start when trying to improve your credit this in and of itself will not necessarily do what you think it may. If you have a debt outstanding and you are likely unable to pay it off due to low financial resources, you can attempt to […]

  • Credit Repair

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    Debt Elimination Program

    A good debt elimination program starts by replacing uncontrolled spending with controlled spending. The solution can be just that easy if you get in control of your expenses. You actually have total control of your expenses and becoming debt free is a reality. First, make a budget so you can look for any unnecessary expenses […]

  • loans

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    Consolidating Loans

      Consolidating loans often makes sense especially if you can pay a lower interest rate than what you’re paying now. But you should be aware of your total overall costs so you don’t end up deeper in debt than when you started. Here are a couple of things to keep in mind when deciding if […]

  • debt

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    Top 5 Debt Negotiation Facts

    The debt negotiation facts here along with a few debt reduction planning tools will give you the knowledge to finally control your own debt. Credit card debt is a mounting problem for many Americans today, and very few know how to negotiate debt settlements. If you follow the five debt negotiation facts below you’ll know […]

  • debt settlement

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    How to Negotiate Debt Settlements

      Knowing how to negotiate debt settlements is the key to securing your financial future. Debt negotiation is the process where in you will contact your creditors and will appeal to them with an offer to pay off the amount you owe in easier installments that decrease the principal quicker. Learning how to negotiate debt […]

  • debt relief

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    Debt Consolidation

      There are many reasons why people get into debt – some of them self inflicted and some of them way outside of our control. Losing a job, illness or accidents, all of these can suddenly plunge one into unexpected expenditure, and often the only way to deal with the emergency is to use debt. […]

  • debt consolidation

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    Debt Consolidation / Loans

    There is debt consolidation and there is a debt consolidation loan. They are similar but also a little different. The terms may be used somewhat interchangeably. But basically debt consolidation is the bringing together all of your debts (the ones that qualify anyways) and putting them into one bill to pay off in what is […]

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    Getting Out of Debt

    If someone is in debt to the point where it has become a burden, they already know they would like to get out of debt, you don’t have to convince them. In particular, I am referring to credit card debt not so much a mortgage. When debt begins to erode away at your financial health […]