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Debt Consolidation: How Does Debt Consolidation Stack Up Against Other Methods of Debt Relief?
Debt consolidation is a better solution than bankruptcy; however, in most instances, it is not the best solution for resolving your debts. Many of the debt consolidation programs will exhaust the limited funds by incurring fees for using their service. Their solutions will also put you at risk of loosing your belongings.
Debt consolidation programs will also charge high rates of interest for their services. There may even be a monthly charge attached to the plan. The best solution for resolving debt is to contact the creditors and ask for extensions on your repayment plans. Some creditors will negotiate, offering you lower fees if you pay the debt off sooner. Some creditors will even drop the debts owed, realizing that the chances of getting their money is nil. You never know until you ask.
If your bills are lowered, it will grant you time to land some extra cash to payoff the debt owed. Some creditors may charge the amount, but lower your monthly installments according to your wages. This will allow you room to repay the debts at lower rates. Be aware that paying lower balances on debts may lead to costly IRS obligations and taxes, since if you are a “write off” or else reduction candidate, the information is posted with the IRS.
When it comes to debt, it can become frustrating, since it appears there is no way out. When you are working to restore your credit, you are working toward a brighter future. Remember, each bill you pay off subtracts the amount owed. Debt consolidation is like cutting grass, in that the lawn looks fresher once the weeds are whacked. It makes no sense to ignore your debts; rather working toward debt relief means working now to Get Rid of your debts.
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omg WHY AM I FREAKIN’ OVERWEIGHT?! ARG!?
Okay. im 12/13, and i weigh 134 pounds. My scale is whack, i swear, like i gain 5 pounds, lose 6, etc, but this is my guess. I am 5′0.
I eat healthy! whole wheat bread, skim milk, Fiber One cereal, plenty of water and fruits and veggies. Yeah, sure, i have a weakness for snickers and oatmeal cookies, but who doesnt?
twice a month i eat pizza, no biggie.
i ride my bike for approx. 1 and a half each day, and three times a week i do workout inside (like crunches, etc). I also have PE for an hour each day, and then run around chasing people after lunch (our track is HUGE).
WHY AM I OVERWEIGHT?
my brother eats like a pig, never excerises , just sits on the computer All Day and hes skinny and muscular and tan.
WHAT?
You’re still growing. Give it time you will grow into your ‘baby-fat’. That’s how I was, I was a chubby kid than all of a sudden when I was 14-15 I got a growth spurt, grew taller & slimmer. That’s my only logical answer…soda is also a bad thing. If you drink alot of pop, that could be alot of empty calories.
Rachel get electrocuted