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Are you struggling with debt that seems to grow endlessly due to interest? Debt consolidation loans might offer a solution. Prosper CEO David Kimball joins Wealth to discuss the pros and cons of this debt relief option.
Kimball emphasizes that the current high-interest rate environment is a primary reason to consider debt consolidation. By consolidating debt, borrowers can potentially reduce interest rate costs, especially if they’re carrying balances across multiple high-interest credit cards. This approach allows for a transition from higher-interest debt to a single, lower-interest loan.
However, Kimball stresses that the real key to financial health lies in managing finances and changing habits. He explains, “It really comes down to whether or not you have the capacity, and ultimately, if you don’t change your habits, if you keep spending the way you were spending, you’re going to take this debt from your credit cards, put it on a debt consolidation loan, [but] your credit card lines are still open. If you begin to spend on your credit card lines again, what you’re doing at that point is creating more debt.”
Kimball cautions that this scenario is a significant drawback of debt consolidation. He advises, “You need to face your finances, understand them, and make a budget. For some people, you’re going to have to change your spending behavior for this to be a really effective tool.”
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Our typical fee for arranging a mortgage is £500 on successful mortgage offer.

The National Treasury is considering introducing reforms to stop the abuse of garnishee orders.
Many consumers have been issued garnishee orders by clerks of the court instead of by a magistrate…
A move regarded as fraudulent.
The National Debt Mediation Association, says there are as many as 3-million active garnishee orders in South Africa at present

http://www.nomoredebts.org/1-considering-bankruptcy.html
What you should consider before filing for bankruptcy. It is expensive, you may not qualify and there are other options. Call us today. 1-888-527-8999 | More info: http://www.nomoredebts.org/blog/bankruptcy/how-to-decide-if-bankruptcy-is-your-best-option-to-debt-problems.html

Don’t just move the problem around, fix it and get your debt paid off. Contacting a certified debt counselor to help you handle your money and set up a budget will get you started.