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Mortgage debt consolidating finance companies
In many cases, the amount you pay every month will be less than if you paid to each bill separately.
Often your counselor can even reduce your interest rates and eliminate extra fees, like over limit and late charges, through the debt consolidation plan.
Their debt assistance programs are low-cost and in the case of severe financial hardships, the fees are often waived.
Many free financial resources are available through non-profit debt consolidation companies, such as personal financial workbooks, budgeting worksheets, and debt calculators.
The calculators range from assessing how much down payment you need for a house based on different home loan interest rates, to the amount of time it takes to pay off a credit card when paying only the minimum balance each month.
Some nonprofit debt consolidation companies are also approved by the government to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.
Your monthly payment on the first loan is $517, and the payment on the second is $583. You consult a company that promises to lower your payment to $640 per month and your interest rate to 9% by negotiating with your creditors and rolling the two loans together into one. Who wouldn’t want to pay $460 less per month in payments?
If that’s not bad enough, you’ll end up shelling out ,080 to pay off the new loan versus ,392 for the original loans—even with the lower interest rate of 9%.
When you work with nonprofit debt consolidation companies, you're not taking out a loan to pay off your bills.
Instead, your credit counselor works with your creditors to consolidate your debt into one convenient monthly payment.
When a debt management plan agreement is in place, you send your monthly payments to the debt consolidation company, which distributes the money to each creditor.
This continues until all of the bills are paid in full.