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by Carrie Reeder
If considering a debt consolidation, there are several options available to you. It seems as if excessive debt has become a national crisis. Because of modifications made to the bankruptcy laws, this is no longer an easy fix to debt problems. For

If considering a debt consolidation, there are several options available to you. It seems as if excessive debt has become a national crisis. Because of modifications made to the bankruptcy laws, this is no longer an easy fix to debt problems. For this matter, many people are choosing debt consolidation as a suitable option. Fortunately, there are many ways to consolidation debt. Here are three tips for finding the best debt consolidation option.

Personal Debt Consolidation Loan

Acquiring a personal debt consolidation loan is ideal for persons hoping to reduce and eliminate debts. There are two types of debt consolidation loans: secured and unsecured.

If obtaining a secured debt consolidation loan, the credit union, bank, or other financial institution will require collateral. Any valuable item can serve as collateral. This may include jewelry, electronic device, vehicle title, etc. Keep in mind that the value of collateral must be equivalent to the loan amount.

On the other hand, if applying for an unsecured personal debt consolidation loan, collateral is not required. Unfortunately, these loans are hard to obtain. To qualify, an applicant's credit score must be superb. On average, banks require a score of at least 750. Even if you qualify for an unsecured loan, be prepared to pay a higher interest rate

Transfer Balance to a Low-Interest Credit Card

A method of debt consolidation that does not entail applying for a bank loan is obtaining a balance transfer credit card. With these credit cards, you are able to combine the balance of multiple cards onto one credit card. Hence, instead of paying two or more different credit card companies each month, submit payment to a single creditor.

Because balance transfer credit cards offer low introductory rates, repaying the balance is easier. With effort, discipline, and paying more than the monthly minimum, it's possible to become debt free before the introductory rate period ends.

Consolidate with a Home Equity Loan

A popular means of debt consolidation involves the home equity loan. Of course, to utilize this option, you must be a homeowner. Applying and acquiring a home equity loan is easy. Once the loan documents are signed, and funds received, you can begin paying off debts.

ABC Loan Guide wants to assist you in getting more information about the Best Credit Card Debt Help as well as how you can Reduce Debt.

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