Easy Debt Relief!

If you own a credit card from Discover, American Express or Citi, the odds are good that their penalty practices can hurt your efforts at debt consolidation. A new survey by a credit-card tracking site reported that most major credit card companies still do a poor job of explaining to their customers the way they assess late fees and levy financial penalties. This is particularly disappointing because the federal governments Credit CARD Act, passed last year with great fanfare, was supposed to revamp these processes. The legislation was supposed to make the penalty structures of credit card companies easier for consumers to understand.

Late Fees, Debt Consolidation

During these challenging economic times, many consumers have had to turn to debt consolidation loans to get a handle on their outstanding revolving debt.

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According to a study by Saga Equity Release, 17% of over 50s are left with very little money to enjoy their retirement once they have repaid their debts, while 41% of retirees find repaying their debts difficult, headlinemoney.co.uk reports.

However, more and more over 60s are now taking out equity release plans to unlock money from their homes so they can enjoy a `better quality of life in retirement`.

Figures show that 13% of over 55s are retiring in debt, and 40% of this age group have used equity release as a way to repay these – leaving them `better off in real terms` and free to enjoy their retirement.

Executive Chairman of the Saga Group, Andrew Goodsell, said: “This study dispels the concept that equity release is the last resort for those who have nowhere else to turn. Full Post…

We all occasionally run low on cash from time to time. Those troubling periods, when it seems the next payday cant come too soon, credit cards are the most obvious convenience. However, many borrowers have found themselves swept up in the larger economic turmoil affecting so many Americans, and they can no longer depend upon the traditional unsecured debt alternatives like credit card debt to help their households stay afloat. This is where the so called payday loans come in. Without question, the convenience of payday loans can be extremely tempting. Indeed, for folks suffering through illness or some other catastrophe, payday loans might even be considered an acceptable risk to guarantee the comfortable survival of their families.

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Many individuals believe that debt consolidation can save them interest, create a lower payment, and save them from all of their financial problems. Many financial advisors and experts believe that debt consolidation is similar to putting a band-aid on a bullet wound. It may treat the symptoms, but when the bandage comes off there is still a major problem. When you use debt consolidation, your debt does not go away but rather moves from several creditors to one. You cannot get rid of debt by borrowing money to pay off one debt by establishing another debt. Financial author Larry Burkett says that debt is a symptom of overspending and not saving enough money, and the focus should shift from short-term fixes to long-term solutions.

Debt Consolidation Statistics

One debt consolidation company estimates that 78 percent of customers who use debt consolidation go into debt again.

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