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Methods for Consolidating Debt: How to Get Excellent at Handling Your Debt

Methods for Consolidating Debt: How to Get Excellent at Handling Your Debt

  • 作者: James, Ben H.
  • 原文出版社:Bricht Sigursson
  • 出版日期:2024/04/20
  • 語言:英文
  • 定價:532
  • 運送方式:
  • 臺灣與離島
  • 海外
  • 可配送點:台灣、蘭嶼、綠島、澎湖、金門、馬祖
  • 可取貨點:台灣、蘭嶼、綠島、澎湖、金門、馬祖
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內容簡介

The term "debt consolidation strategies" refers to a variety of techniques used to lump several debts together into one affordable loan or payment schedule. Debt consolidation aims to simplify repayment of existing debt, lower interest rates, and possibly even lower monthly payments.

Taking out a personal loan, moving bills to a low-interest credit card, utilising a home equity loan, or engaging with a debt consolidation organisation are some of the various debt consolidation solutions. Each approach has benefits and drawbacks that vary based on the financial circumstances of the individual.


When compared to credit cards, personal loans for debt consolidation typically feature lower interest rates and the option of a fixed repayment term, which makes it simpler to plan monthly expenses. However, not everyone may be eligible for a personal loan, and approval may rely on creditworthiness.

If the cardholder has good credit and can pay off the debt before the introductory rate expires, transferring balances to a low-interest credit card can be a wise move. However, after the promotional period, interest rates can rise and balance transfer fees might be applicable.

Debt consolidation with a home equity loan may result in lower interest rates and even tax-deductible interest payments. However, there is a risk involved with utilising a property as collateral, and foreclosure could happen if the loan is not repaid.

By engaging a professional to negotiate with creditors on the debtor’s behalf, consolidate debts, and maybe lower interest rates, a debt consolidation company can help reduce debt. But there are costs associated with these services, and not all businesses are reliable.


All things considered, debt consolidation techniques may be a useful tool for controlling excessive debt and enhancing financial security. It is imperative that you weigh the benefits and drawbacks of each approach before deciding which is the most appropriate for your circumstances.

 

詳細資料

  • ISBN:9783986085063
  • 規格:平裝 / 36頁 / 22.86 x 15.24 x 0.18 cm / 普通級 / 初版
  • 出版地:美國

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