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Joined: 06 Jul 2009
debtserv's page
Posts: 2

135 Magic Points

Subject: Debt consolidation
Posted on Mon Jul 06, 2009 9:21 pm  

Debt consolidation can help you to relief debt to control over your debt your debt – this is actually lowering your existing debt rates, getting a better way to pay loan , or splitting your payments to get debt paid faster and easier.

Posted on Tue Jul 07, 2009 11:25 am  

If you have been making payments to your creditor and then have signed in for a debt settlement program, you immediately stop making payments. Your debts will at first be negotiated with the company and the money will be stored either in a holding account by the creditor or you may store the money in your own account.

Joined: 15 Sep 2009
debtsolution's page
Posts: 2

22 Magic Points

Posted on Tue Sep 15, 2009 9:46 am  

You are absolutely right ...
If you want more Information about debt consolidation so visit

Joined: 29 Oct 2009
MrsCasanova's page
Posts: 2

26 Magic Points

Posted on Thu Oct 29, 2009 2:35 am  

I agree, debt consolidation can be a great choice- much better than bankrupcy!
Mrs Casanova


Joined: 27 Oct 2009
marcusandila's page
Posts: 133

3037 Magic Points

Posted on Thu Oct 29, 2009 9:10 pm  

I'm kind of confused. I thought debt consolidation was NOT the same thing as debt settlement. Debt settlement is far better than bankruptcy, but I personally just want to consolidate to reduce monthly costs & to pay back the debt I have borrowed. I don't want to settle for less than I owe.

Am I way off on thinking that debt consolidation is not the same thing as debt settlement!?

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

623 Magic Points

Posted on Thu Oct 29, 2009 11:02 pm  

Consolidation is combining all your bills into one monthly payment, loan company, banks and other financial institutions will do this type of work.

Debt settlement is actually trying to get each debt down to a lower amount so that you can pay it off sooner at a reduced rate. You can get this service through a debt settlement company.

They are two completely different services.

Joined: 27 Oct 2009
marcusandila's page
Posts: 133

3037 Magic Points

Posted on Fri Oct 30, 2009 7:02 pm  


Thanks so much for clearing that up. I thought they were different, but as you probably seen in my "dilema" post...Every "debt consolidation" company I've found seem to be debt settlers & I dont want to settle. I want to pay back what I owe.


Joined: 28 Oct 2009
FreedomDM's page
Posts: 105
Location: Florida

2329 Magic Points

Subject: Debt Consolidation vs. Debt Settlements
Posted on Wed Nov 04, 2009 7:59 pm  

While they use very similar terms and are both a means of alleviating your debts, there are many major differences between debt consolidation and debt settlement programs.

Debt Settlements: A debt settlement program negotiates the balance due with your creditors in an attempt to have the consumer payback less than what was originally owed. Immediately this sounds ideal to any consumer struggling with their debts and monthly payments, but the cost to ones pocket and credit may not be worth the small savings to come. A settlement company requires monthly payments from their clients for 8 months to 1.5 years but does not send payments to the creditors each month. Instead, payments are held in an effort to create a large sum to negotiate the balance being paid in full for a smaller amount, usually 40-50% less. Like working with your creditors direct, if you’re not making consecutive monthly payments your credit can be tarnished with late marks and further fees incur on a monthly basis, raising the balance due and further damaging your FICO credit score. Furthermore, creditors are not willing to negotiate the balances down until an account is in a ‘charged off’ status. It usually takes 6 months of non-payment before a creditor will ‘charge off’ an account. That’s 6 months of added fees, negative reporting to the credit bureau, and harassing collection calls. Whether the debt is paid in full or partial, charged off accounts reflect negatively for 7 years on your credit report and multiple charge off accounts could reflect more poorly than a bankruptcy or repossession. In addition, the IRS takes their cut for the charge off loss by the creditor. Say you owe $10,000 to a Visa and a settlement company negotiates the payoff to $5,000. The following year you’ll be sent a 1099 tax form to claim the difference of the amount settled. The $5k difference is then considered taxable income by the IRS, so depending on your effective tax rate, you may have $500-$1,000 additional tax burden for the year your account is settled in.

Debt Consolidation: A consolidation program negotiates the creditor terms to achieve reduced interest rates and the stopping of late, past due, and over limit fees. The monthly payment is usually reduced as well and most creditors will bring past due accounts to a current status after 3-6 months of consecutive payments, helping improve your credit score over time. Like settlements, payments are required consecutively each month. However, in a consolidation program payments are SENT each month as they are received by the client. This ensures the accounts do not fall behind and the new terms remain in place until the debt is paid in full. The balance owed is paid down on a monthly basis at reduced rates, allowing more of the client’s monthly payment to go towards the balance due rather than creditor fees and finance charges. Consolidation programs cannot exceed 60 months and depend on the amount of debt owed and the terms per creditor enrolled in the debt consolidation program. There are usually no additional fees for making extra payments or paying off the debt earlier than the time quoted. The consensus is, the faster the client is paid off the better for all parties as most agencies work off a referral basis from satisfied customers.

If the agency’s’ fees are unreasonable chances are your financial well being is not their primary concern. A nonprofit agency will usually charge in accordance with your state’s guidelines and offer a low monthly service fee to cover in house expenses. In either instance you’ll want to do your homework before signing with an agency. A nonprofit agency is the best option followed by a review of the company’s Better Business Bureau profile and rating.

If you’re looking for credit card relief and an alternative debt solution that won’t hurt your credit, please contact a certified credit counselor for a free budget analysis to see what options are available to help you become debt free.

The Info is free, so feel free
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Michael J Brazier
Performance Based Debt Relief

Joined: 10 Oct 2009
debranewell2008's page
Posts: 591

111 Magic Points

Posted on Thu Nov 05, 2009 12:29 am  

Wow Freedom Thanks for the information. For me I have never had to deal with that kind of thing so I was unsure of the difference as well. I'm sure that will be useful to many people thanks for posting it.


Joined: 28 Oct 2009
FreedomDM's page
Posts: 105
Location: Florida

2329 Magic Points

Posted on Thu Nov 05, 2009 12:36 am  

Happy to help!
Michael J Brazier
Performance Based Debt Relief

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

623 Magic Points

Posted on Thu Nov 05, 2009 12:39 am  

You are a wonderful resource.

Subject: SXgYfFZOMg
Posted on Fri Apr 12, 2013 12:05 am  

Yes it is possible to get a loan after a debt csnoolidation loan. You just have to find a lender who is willing. Maybe you know some one in the business who would make you a loan. Lots of ways to get another loan However my advice would be not to take out another loan. You just had the bills consolidated because you owed too much.. Making a new loan will just help get you back in another mess and possibly a bankruptcy which is much worse for your credit. We can not borrow our way out of debt .. wont work im sorry I dont know much about your situation . but most usually more debt doesnt help any one who already owes too much . I wish I had a better answer but I dont The best thing you can do is try to increase your income and pay your debts down I was in banking 40 years . and personally I think the worst thing you could do is go borrow some more money after a recent bill csnoolidation. I wish you the best of luck RD

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