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How Does Credit Consolidation Work

If you are asking yourself how does credit consolidation work, then it just means that you are in a debt situation. It may be that you are having a hard time tracking all the payments or you have trouble making the payments altogether. Regardless of the particular scenario in your financial life, too much debt only means one thing: you need a debt relief program.

Credit consolidation simply refers to any program that will combine your multiple debts into one easy and convenient payment plan. There are many reasons why you want to do this.

First of all, you want to keep yourself from missing out on your monthly payments. Bottom line is, it simplifies your payments. Instead of monitoring different creditors and sending payments at different times throughout the month, you make only one payment. This is very important because a lot of things will happen if you start being late on your due date. Your credit score could go down, harassing collection calls will start to take place and your debt amount can increase. You definitely want to keep your record clean by paying on time.

Another thing that credit consolidation can do is lower your monthly payments. There are two ways for this to happen and it depends on the specific debt relief program that you will pursue. With a debt consolidation loan and debt management, you get the lower payment by stretching your balance over a longer schedule. You can also lower your interest rate – although this is not a guarantee for debt management.

The other way that you can lower your monthly payments is through debt settlement. The purpose of this debt relief program is to reduce your balance by convincing your creditor that you are in a financial crisis. You want them to allow you to pay only a portion of your debt and have the rest forgiven.

Any of these options will help you pay down your debts. You only have to choose one based on your payment capabilities. Since debt settlement can give you debt reduction, this can be an option for people with low paying jobs or unstable ones. With a debt consolidation loan and debt management, you will need a more steady and stable paying job. That is because you will still end up paying for the whole debt that you owe. It will only seem lower because it is distributed over a longer payment period.

Although the debt reduction option of credit consolidation may sound like a good idea, you need to consider your options carefully. Debt settlement can ruin your credit score in ways that a debt consolidation loan and debt management cannot. But if you are really having a hard time raising the funds for your payments, then you need to let your credit score be damaged and just negotiate to settle your debts.

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How Can Credit Counselling Stop Wage Garnishment? Recent interview series, Part 9, where Avineet Kalsey tells us how using their credit counselling services can put a complete stop to wage garnishment and ease the pressure of debt once and for all.

Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office:
12033 92A Ave #205 Surrey, BC V3V 4B8
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Brampton, ON L6T 5C6
Tel: 905-789-8984
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Calgary Office:
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Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984

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Tel: 780-716-8984

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Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984

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Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

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Shocking video of the imminent economic collapse and the next Great Depression.

The borrower is the servant of the lender, and one of the primary ways that the elite keep the rest of us subjugated: is through the 244 trillion dollar mountain of global debt that has been accumulated.  Every single day, the benefits of our labor are going to enrich somebody else.  A portion of the taxes that are deducted from your paycheck is used to pay interest on government debt.  A portion of the profits that your company makes probably goes to servicing some form of business debt.  And most Americans are continuously making payments on their mortgages, their auto loans, their credit card balances and their student loan debts.  But most people never stop to think about who is becoming exceedingly wealthy on the other end of these transactions.  Needless to say, it isn’t the 46 percent of the global population that is living on less than 5.50 dollar a day.

The world has never seen anything like this 244 trillion dollar debt ever before, and one of the central themes of Epic Economist youtube channel is that all of this debt will ultimately destroy our society and causing a major economic collapse.  According to the Institute of International Finance, the total amount of global debt is now  “more than three times the size of the global economy”…

Today, we are living in the terminal phase of the biggest debt bubble in the history of the planet.  Every debt bubble eventually ends with horrific economic collapse, and this one will too.

It isn’t an accident that the United States are 22 trillion dollars in debt.  The truth is that the debt-based Federal Reserve is doing exactly what it was originally designed to do.  And no matter what politicians will tell you, we will never have a permanent solution to our debt problem until we get rid of the Federal Reserve.
In 2017, interest on the national debt will be nearly a trillion dollar. That means that close to 1000 billion of our tax dollars will go out the door before our government spends a single penny on the military, on roads, on health care or on anything else. And we continue to pile up debt at a rate of more than 200 million dollar an hour.  According to the Congressional Budget Office, the federal government will add more than a trillion dollars to the national debt once again in 2019…

When economy comes crashing down and a great crisis happens, we are going to have a choice.
We could try to rebuild the fundamentally flawed old system, or we could scrap it and start over with something much better. My hope is that we will finally learn our lesson and discard the debt-based central banking model for good. The reason why I am writing about this so much ahead of time is so that people will actually understand why the coming economic collapse is happening as it unfolds.

If we can get everyone to understand how we are being systematically robbed and cheated, perhaps people will finally get mad enough to do something about it.

COURTESY: The Economic Collapse Blog – http://www.theeconomiccollapseblog.com

Music: CO.AG Music https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvA

Fair Use Notice: This video contains some copyrighted material whose use has not been authorized by the copyright owners. We believe that this not-for-profit, educational, and/or criticism or commentary use on the Web constitutes a fair use of the copyrighted material (as provided for in section 107 of the US Copyright Law. If you wish to use this copyrighted material for purposes that go beyond fair use, you must obtain permission from the copyright owner. Fair Use notwithstanding we will immediately comply with any copyright owner who wants their material removed or modified, wants us to link to their web site, or wants us to add their photo.

Most of artwork that are included with these videos have been created by Epic Economist and they are used as a representation of the subject matter. The representative artwork included with these videos shall not be construed as the actual events that are taking place.

Anything that is said on the video is either opinion, criticism, information or commentary,  If making any type of investment or legal decision it would be wise to contact or consult a professional before making that decision.

Use the information found in these videos as a starting point for conducting your own research and conduct your own due diligence before making any significant investing decisions.

http://www.nomoredebts.org/blog/bankruptcy/7-bankruptcy-myths.html
The main misconception about bankruptcy is that it is the only option. Call us today and we will find the best solution for you. 1-888-527-8999

Debt Busters CEO Ian Wason explains the debt counselling process