http://thinkdebtrelief.com/debt-relief-blog/managing-money/5-ways-to-spring-clean-your-finances/ Thu, 02 Feb 2012 06:02:35 +0000 hourly 1 http://wordpress.org/?v=3.2.1 http://thinkdebtrelief.com/debt-relief-blog/managing-money/5-ways-to-spring-clean-your-finances/comment-page-1/#comment-14125 Stephan Mon, 19 Apr 2010 17:47:06 +0000 http://thinkdebtrelief.com/debt-relief-blog/?p=993#comment-14125 I like the tips, but I do think debt settlement programs like you recommend in your fifth tip are being marketed to the wrong people. It should be an option only for people who are basically at the end of the road. They have tried budgeting and cutting expenses, but none seem the work. At this point, you as the consumer have a few options. Bankruptcy obvsiously should be the last option and the one that should be avoided at all costs. You can also try and get a consolidation loan, credit counseling, or debt settlement. Using the correct debt settlement firm can lead to thousands of dollars in savings, something the other 2 forms cant match. However, be wary, as this is an unregulated indsutry. There are hundreds of scam companies out there from credit counseling to debt settlement. Educate yourself about the companies and the different options you have, and you will make the right decision! I like the tips, but I do think debt settlement programs like you recommend in your fifth tip are being marketed to the wrong people. It should be an option only for people who are basically at the end of the road. They have tried budgeting and cutting expenses, but none seem the work. At this point, you as the consumer have a few options. Bankruptcy obvsiously should be the last option and the one that should be avoided at all costs. You can also try and get a consolidation loan, credit counseling, or debt settlement. Using the correct debt settlement firm can lead to thousands of dollars in savings, something the other 2 forms cant match. However, be wary, as this is an unregulated indsutry. There are hundreds of scam companies out there from credit counseling to debt settlement. Educate yourself about the companies and the different options you have, and you will make the right decision!

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