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What exactly is debt consolidation and what do I have to do

Posted on: 20th Aug, 2007 11:20 am
i have 34,000 in debt from credit cards including a home equity loan (which is also credit card debt, now in a different form). i saw a debt consolidation calculator which said i can save 13,600 off my debts. how is this possible and how does one qualify for this?
Yeah I'd like to get a loan that I can add everything I owe into one monthly payment so it would be easier to manage my finances.
Posted on: 31st Aug, 2007 04:43 pm
Hi Wildstorm,

You can go for a Debt Consolidation loan. This type of loan will help you to combine all your debts into a single debt and repay them with a lower interest rate. Thus, it will also lower your monthly payments and it will be easier for you to manage the payments. To know more on debt consolidation loan, you may refer to http://www.mortgagefit.com/debt-consolidation.html
Posted on: 31st Aug, 2007 11:15 pm
"Hi Wildstorm,

You can go for a Debt Consolidation loan. This type of loan will help you to combine all your debts into a single debt and repay them with a lower interest rate. Thus, it will also lower your monthly payments and it will be easier for you to manage the payments. To know more on debt consolidation loan, you may refer to http://www.mortgagefit.com/debt-consolidation.html"

Hi Larry,

I've already looked into the debt consolidation loans but I have no equity available in my home now. I need to talk to the local mortgage brokers here and see if I still have to split my property in order to use the 2nd home as collateral for any type of loan.
Posted on: 03rd Sep, 2007 10:24 am
Hi Wildstorm,

Even if you go for any other type of of loan, the lender will look at the equity in your home. The equity is required as you will take the loan by keeping your home as collateral.
Posted on: 03rd Sep, 2007 10:33 pm
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