require 100% repayment of the debt through a structured payment plan. This is what non-profit credit counseling agencies do, as well as for-profit debt consolidators. 2. Debt settlement or debt negotiation plans require payment of part of what you owe, usually around 50% or less, with the remainder forgiven by the creditor. Virtually all of these companies operate on a for-profit basis. 3. Debt termination companies claim to wipe away 100% of your debt through special legal procedures, so your total payout consists only of their fees. Right off the bat, let's cross #3 off the list. Sorry, but this one is a scam. You can recognize this type of company very easily. They make the claim that because of how our monetary system works, you never really borrowed any money in the first place! Their system is based on the false belief that credit card banks are operating illegally by extending credit to you. Absolutely do not give your money to one of these outfits! The fees start at $2,500 and go up from there. I spoke with one fellow who lost $15,000 in this scam. Folks, there is no free lunch. The only thing such "debt termination services" will do for you is take your money. Their legal theories are total nonsense, and the courts do not recognize their arguments. These are the same people who also claim you don't need to pay your income taxes either. As tempting as it might be to try one of these services, you'll only get yourself in deeper trouble with your creditors. That leaves #1 (debt management plans) and #2 (debt settlement). Debt management plans (DMPs) are offered through credit counseling companies that generally operate on a non-profit basis, and also through for-profit companies that use a similar business model. The essential idea is that you write one monthly payment to the agency, and they in turn distribute that money to your creditors. Companies offering DMPs work with your creditors to lower your interest rates so that more of your money goes toward paying off the debt. Of course, there are fees involved. The non-profit organizations are not free - a point that often confuses consumers. Also, "non-profit" does not mean the company is any good at what they do. Sometimes, a for-profit company can afford to provide a better quality of service because they can pay their staff a higher wage! So don't automatically think that non-profit services are good while for-profit services are bad. When should you consider enrolling in a DMP? While many financial
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Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Aniya Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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