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Many people try debt consolidation, but not all emerge better off.Some borrowers wind up in worse shape, either because they run up their credit cards again or because their debt remains overwhelming despite the better repayment terms.When you hire a debt settlement company the first thing they will tell you is to stop communicating with your lenders or collectors.Their objective here is to get your lenders so desperate for some sort of payment that they’ll be more open to accepting a settlement deal.Debt consolidation allows borrowers to roll multiple old debts into a single new one.Ideally, that new debt has a lower interest rate that makes payments more manageable or lets borrowers pay off the total more quickly.

Sometimes these companies misleadingly advertise their services as a way to consolidate debt — or “debt consolidation,” — but make no bones about it, this is not a When you hire a debt settlement company you are hiring them to negotiate with your lenders on your behalf.Such loans also tend to offer a longer repayment period.So if you want to look at the pluses and minuses of debt consolidation for your personal situation, you might want to start by considering your monthly cash flow — and ask yourself the following questions: Pro #1 — When you opt for debt consolidation, you have only one creditor to pay, and that company will call your creditors and negotiate on your behalf.By providing your information, you consent and request to be contacted by Credit Guard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List.You are not required to purchase any goods and/or services. Pro #3 — If you've had past credit problems, creditors are likely to hassle you less if you're working with a debt consolidation firm.If, for example, you do start to get calls from creditors, a reputable debt consolidator will often be willing to speak on your behalf. For example, when you go with a debt consolidation plan, you're required to stop increasing your overall debt, which often includes limiting the use of your credit cards.There will be no negative effects on your credit rating if you make all of your monthly payments on your debt consolidation loan.In fact, since you have reduced your interest payments, it is possible that your credit rating will actually improve as a result of your new debt consolidation loan. Remember, however, that you have other options as well, such as credit counseling, a consumer proposal, or bankruptcy, so we suggest you review all of your options and then decide which option is right for you.According to Statistics Canada, the ratio of household credit market debt to adjusted disposable income crept up to 166.9 percent in the third quarter, up from 166.4 percent in the second quarter.That means, on average, Canadians owed

Sometimes these companies misleadingly advertise their services as a way to consolidate debt — or “debt consolidation,” — but make no bones about it, this is not a When you hire a debt settlement company you are hiring them to negotiate with your lenders on your behalf.

Such loans also tend to offer a longer repayment period.

So if you want to look at the pluses and minuses of debt consolidation for your personal situation, you might want to start by considering your monthly cash flow — and ask yourself the following questions: Pro #1 — When you opt for debt consolidation, you have only one creditor to pay, and that company will call your creditors and negotiate on your behalf.

By providing your information, you consent and request to be contacted by Credit Guard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List.

You are not required to purchase any goods and/or services.

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Sometimes these companies misleadingly advertise their services as a way to consolidate debt — or “debt consolidation,” — but make no bones about it, this is not a When you hire a debt settlement company you are hiring them to negotiate with your lenders on your behalf.Such loans also tend to offer a longer repayment period.So if you want to look at the pluses and minuses of debt consolidation for your personal situation, you might want to start by considering your monthly cash flow — and ask yourself the following questions: Pro #1 — When you opt for debt consolidation, you have only one creditor to pay, and that company will call your creditors and negotiate on your behalf.By providing your information, you consent and request to be contacted by Credit Guard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List.You are not required to purchase any goods and/or services. Pro #3 — If you've had past credit problems, creditors are likely to hassle you less if you're working with a debt consolidation firm.If, for example, you do start to get calls from creditors, a reputable debt consolidator will often be willing to speak on your behalf. For example, when you go with a debt consolidation plan, you're required to stop increasing your overall debt, which often includes limiting the use of your credit cards.There will be no negative effects on your credit rating if you make all of your monthly payments on your debt consolidation loan.In fact, since you have reduced your interest payments, it is possible that your credit rating will actually improve as a result of your new debt consolidation loan. Remember, however, that you have other options as well, such as credit counseling, a consumer proposal, or bankruptcy, so we suggest you review all of your options and then decide which option is right for you.According to Statistics Canada, the ratio of household credit market debt to adjusted disposable income crept up to 166.9 percent in the third quarter, up from 166.4 percent in the second quarter.That means, on average, Canadians owed $1.67 in credit market debt— mortgages, other loans and consumer credit—for every dollar of disposable income.

.67 in credit market debt— mortgages, other loans and consumer credit—for every dollar of disposable income.

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