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Credit Card Debt Consolidation

Credit Card Debt Consolidation

Are you looking for a way to cope with the overwhelming stress of credit card debt? Credit card debt consolidation agencies may offer some much needed relief. Our credit card debt consolidation programs, called debt management plans, will help you get back to living debt free. However, they can also be unnecessary and might even be detrimental to your financial health when done through an organization that is poorly run. Learn more about credit card debt consolidation today!

tagged: credit card debt consolidation, credit card debt consolidation san diego, credit card debt consolidation california

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Credit Card Consolidation Loan

Credit Card Consolidation Loan

Feeling weighed down by high-interest credit card balances? These debt combination tips can assist.

1. Check Your Credit
Evaluation your credit reports and correct any errors. An error on your credit report could avoid you from qualifying for the debt combination assistance that you need to have. Credit.com's free Credit Report Card can help you understand what's inside your credit report, and provides you your free credit scores, too. Get a free yearly credit report from each of the three national credit reporting agencies.

2. Consolidate to a Low-Interest Credit Card
If you've got good credit, look for a credit card with a low-interest rate. Transfer high-interest rate credit card balances to a single card and save money on month-to-month finance charges as you pay straight down your financial obligation. For consumers with good credit there are a number of balance-transfer and low-interest price credit card provides available.

3. Get a Loan From a Local Bank or Credit Union
You may be in a position to consolidate your debt with a personal loan from your bank or credit union. Ask the loan officer at your financial institution for more information.

Before applying for a loan, ask about the lender's credit needs. Is there a minimum credit score for qualifying for a loan?

4. Get a Consolidation Loan From an Online Lender
Choose a reputable lender when applying for a debt consolidation loan online. Check out any potential online lenders with the Better Business Bureau and look for complaints. And check to see if a lender is signed up to-do company in your state by contacting your state Attorney General's office or your state's Department of Banking or Financial Regulation.

Beware of any loan provider that claims to prompt you to a loan regardless of your credit. Stay clear of sites and lenders that fee you huge upfront costs for a debt combination loan.

5. Sign Up for a Debt Management Plan
Reach out to a credit counseling agency about a debt administration plan. With a financial obligation administration plan, you make one month-to-month payment to a credit guidance agency and the agency pays each of your credit card lenders. A lender may reduce the interest rate on your credit card balance whenever you participate in a debt management plan.

credit card debt relief | credit card debt relief san diego | credit card debt consolidation

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

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Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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