Even though a junk debt buyer like Midland Funding, Portfolio Recovery Associates, Unifund, Cavalry SPV may have filed a debt collection lawsuit against you, there are still opportunities to settle.

http://ConsumerWarrior.com

How to get out of a situation where you can’t honour loan obligations such as paying your loan EMI. Here are 5 tips to get out of what is called as debt trap and take charge of your finances.
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Hello and welcome to FundooMoney, your 24X7 buddy for all your money matters. We have all heard about the word “debt trap”. But what exactly is it? Well, debt trap is situation where you have taken so much debt or loans that you find yourself unable to even service the monthly interest. You actually need a loan to pay the interest and hence end up increasing your debt. This is a vicious cycle created in the first place due to excessive and high interest rate borrowing. You need to create and work on a plan diligently to get away from this financial mess. Shortly, we tell you the essential steps that you need to take in such a plan.

Pay off high cost debt at the earliest
Prioritise all your debts based on interest rates. Get rid of highest cost debt such as those of credit card outstanding that typically charge 40% annually. If the outstanding amount is too large, take a personal loan or do a balance transfer on EMI on other credit card. This could bring the interest rate to a more manageable level of around 12-15%.

Consolidate medium cost debt
If you have many small value loans like consumer loans, personal loan or credit card dues, it would be better for you to bring all these loans at one place by taking a personal loan or debt consolidation loan at a low interest rate. You can interact with your lending institution for this.

Look for low cost alternative
If you have high interest rate loan like a personal loan, you could take a lower cost loan, typically loans against assets such as gold, car or property to pay off the high cost debt.

Try extending the tenure
If you are likely to find it difficult even to pay off low cost EMIs, consider extending the tenure of the loan to manage the repayment obligation. Secured loans should typically allow you to have a long tenure. This will keep the EMI under check. Once your income rises or you get any windfall gains, you can utilise that amount for faster repayment of your loan.

Liquidate investments if the need be
If all of the above steps are not enough, consider liquidating some investments such as idle gold or property. Try to view this move without emotion. Consider the loan repayment burden a cost of retaining these investments with you. Once outstanding loans are repaid, you could use the money to invest for your future.

We hope you found this useful. Do share with us and others on the channel your tips for getting out of debt trap, by writing in the comments section. For more such actionable personal finance information and regular uploads, subscribe to our channel. Also, visit our website, download our mobile app and stay connected with us on Instagram, Pinterest and Slideshare.

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Questions To Ask Your Credit Counselling Company & Insider Tips Revealed – The answers are in the video. Avineet Kalsey – Recent interview series, Part 19, where Avineet Kalsey explains what questions you should be asking your credit repair or credit counselling firm, and insider tips you won’t hear from your bank on dealing with credit matters.

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
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo

Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs

Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984

Edmonton Office:
Tel: 780-716-8984

Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984

http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about

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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Suze Orman gives excellent tips on how to settle up with credit card companies. Ms. Orman is NOT affiliated with Eltman, Eltman and Cooper – she works as a financial broadcaster for CNBC (and as a best-selling author) – but we thought her advice here was helpful, so we uploaded the video to our channel. For more tips on how to get out of debt, check out our Eltman Eltman and Cooper main site, http://www.eltmanlaw.com. Thanks!

Are you tired of living your life loaded to the brim with debt? Do you look at your mortgage, credit card payments and other bills with a deep sense of frustration and hopelessness?

Believe it or not, but millions of people each day suffer unnecessarily with debt when they could actually be much more free if they were just willing to take the steps necessary to break the bonds of debt. The problem is that while the world is loaded to the brim with debt, we often don’t have access to the solutions that will free us.

Here Is A Preview Of What You’ll Learn…
What it will be look like lifestyle without debt?How to do budget like A BossLower the RatesAggressive strategies for debt eliminationWith Debt Free Forever, you will learn valuable methods of getting out of debt, you’ll learn how to have iron-clad discipline and live the life that you’ve always dreamed of living!

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Credit Repair

The Ultimate Credit Repair Guide: Credit Repair Strategies To Increase Your Credit Score Forever!

They say money is what makes the world go round and those who have the money make the rules. For many people this may be true and with the availability of credit now so accessible to everyone it seems that the game has changed sometimes for the better but for others the worst. When we are in debt we live in a world of fear. We sit in our homes waiting for people to come knocking on our door demanding money. They call us at all hours of the night demanding that we pay them and even threaten us with fines and jail time. The truth is that when you have bad credit is does effect your life but it doesn’t have to ruin your life. When looking at the world around us we can see that debt is everywhere. Look at the United States itself. Trillions of dollars in debt and growing every year. With debt being such a problem people are constantly on the lookout for a quick solution to fixing their credit. The truth is that there is only one solution to fixing your debt. It may seem simple but it is the only way. Contained within this book is the answer to that question along with some tips and tricks that will help you get started right away. So if you are deep in debt $10.00 or $10,000 or more download this book. You will be shocked at this simple solution that no one does but everyone is able to do.

Debt Your Dirty Little Secret: Tips and motivation to being financially worry free. What are you hiding in your life that is causing you stress and worry? Is it that you haven’t revealed your hidden debt? Is it that your finances are in chaos? Is it that you haven’t got a grip on your financial comings and goings? Make that first step to sorting out money worries and letting those who matter know. You have a secret: you are in debt! What if your partner is clueless about your finances? What if you haven’t told the people important to you about how much money you owe? This book is designed to empower people to improve their quality of life by improving their relationship life. By revealing our hidden secret of indebtedness, we are ready to deal with the consequences of letting the debts escalate. Get into good finance and budgeting habits so you can make good choices. Use this easy to follow guide as it provides motivation and tips to see you through the challenging issue of admitting you owe money. Get to that new place where you have sorted out your finances, are more confident and in a better position of being more financially worry free.

Author M. Kaye Hash spent several years getting into debt and many more learning how to get out, and stay out, of debt. She has learned how to live a fulfilling life; balancing financial stability with happiness and fun. Her successful website by the same name has allowed her to spread her love of frugal living to others. This book allows her to share even more of her life and the many things she has learned so that others can live a life free of financial worry. The Frugal Home gives tips and advice on saving money and getting out of debt. Learn how to save money in many areas such as grocery shopping, entertainment, holidays, moving, decorating, and more!

Debt is a monkey none of us want on our backs. When we have debt we tend to have issues sleeping, eating and doing things in or lives that we want to do or have dreamed of doing for years. When we have debt we limit ourselves and our futures. In this book we will talk about credit and how you can get it. We will then move on to fifteen powerful tips and tricks that are generally overlooked when it comes to cleaning up your debt and building up good strong habits to live debt free. From there we will talk about ways to manage your life so that you don’t have to use credit as much. Learning to live without credit is a powerful way to stay debt free as well as having the ability to use your credit when it is really needed. So if you find yourself in a situation where you are getting deeper and deeper in debt and are looking for a way out or if you are someone young and getting ready to establish credit for the first time and need some advice on how to keep your debt under control before it even begins then this is the book for you. So without delay download this book today and master the art of getting and staying debt free.

Contents of the Book:

Chapter 1 – Understanding Debt and CreditChapter 2 – 15 Credit TipsChapter 3 – Management SkillsAnd much, much more

Getting Your FREE Bonus

Read this book to the end and see “BONUS: Your FREE Gift” chapter after the introduction and conclusion.