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Debt Consolidation Loans

Being financially overextended is by no means a crime. It happens to all of us. Whether it's because of vehicle loans, utility bills, credit card bill or about any other bill you can name, sometimes it can seem like you're drowning in debt. And in many cases, especially for people who hold a job and own a home, getting debt consolidation loans or what's often called a "home equity" loan is a good choice. Although such a loan is secured debt (read about the dangers of secured loans here), they can be beneficial for those who already have equity in their home. These loans effectively "consolidate" your bills into a single loan with an often lower rate and easier payment structures.

Debt Consolidation Loans Tips

But, as with anything, shopping around is good. When you are thinking approaching a debt consolidation loan lender, a good idea is to find out from friends or collegues who they have experience with. It's a simple reference that could save you thousands of dollars and much hassle by avoiding the companies that others have discovered are not so good. In other words, you'll definitely want to learn from others' mistakes!

Keep It Ironclad - Read The Fine Print

Ok, so you've probably heard this before, but it's a very, very important point. Unfortunately, there are plenty of people in the debt consolidation loan industry who tell you one thing, and then try to "slip by" an entirely different agreement to you. Avoid these people like the plague, for obvious reasons. And also, remember that fine print, as boring and as full of legalese as it is, is critical when you're thinking of signing. Review it, and if the loan is big, don't be afraid to have your lawyer look at it.

Would You Buy From A Spammer?

If you have an email address, you probably get at least one of these per day, touting the fact that "You have already been approved" or some other "low, low rate" scenario that requires you to call. Ignore these. The fact is, nine times out of ten, they are scams. Scams pulled by shifty operators who move their offices quicker than you can call the police. So stay away!

Don't Be Bullied

Before you go into a meeting with a salesperson for a debt consolidation loan, remember this key point: there is always a competitor out there. Meaning, you don't have to accept an offer if you don't want to. In the lending industry, many salespeople use hard sell techniques which are not only wrong, but abusive. Never be afraid to walk away. And as well, should you be subject to these techniques, and end up signing, worry not - you can always cancel a home equity loan agreement within three days. So if this happens to you, act fast, and learn from the experience.

Homeowners Can Benefit If you have lots of debt and are having difficulty keeping up with the high interest, a debt consolidation loan may be prudent. Homeowners can typically get them, as if they default on the loan, their house will be seized. But if you are looking for a debt consolidation loan because of high credit card debt, read this first, it may help you.

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