There are number of ways for consolidating your debts. The most common among them is the home equity loan in which you can use your home as collateral to get a loan. As this is a secured loan, its interest rates are low.
If you want a loan without security or collateral, the job gets tougher and the interest rates become higher as this will be an unsecured loan. You can use credit card transfers as well but you must repay your outstanding debt within the time frame of the low introductory rate. Retirement funds and life insurance are also worth a try.
You can also approach credit unions that offer loans usually at lower interest rates and fees. If you are not yet a member, find out if you are eligible to join one.
One more good option is a no-profit counseling agency, which can negotiate with your creditors to get your late fees waived as well as have your interest rates reduced. You can also try to renegotiate the credit conditions with your primary lender.
Also, the personal loan from family and friends can be a real option if the situation so demands.
Finally, I would like to say just be very carefull and opt any one from the above mentioned debt consolidation options and get out of debt as quickly as you can.
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