BestDebtConsolidationLoans.org Survey Reveals The Three Best Debt …

by Shelton on June 30th, 2014

filed under Debt Consolidation

Jackson, MS (PRWEB) May 30, 2014

The company BestDebtConsolidationLoans.org has announced the names of what it considers to be the best three online debt consolidation loan providers available to residents of Mississippi.

Debt is definitely a problem for many Mississippians. This is due to a combination of factors, not the least of which is that the states residents carry an average credit card debt of $4,594 and that the states unemployment rate remains high at 8.5%. Since the states workforce is 1,080,420 its unemployment rate means that there are nearly 90,000 Mississippians still out of work. And unemployment in Gulfport City is even more troublesome at 9.5%.

There are numerous debt consolidation loan companies available via the Internet. Unfortunately, some of them are swindlers that charge high fees and then deliver few if any of the services they promised. People struggling with big debt often fall victim to these con artists because they offer what appear to be fast, easy solutions for debt relief.

BestDebtConsolidationLoans.org surveyed the online debt consolidation loan companies to determine which companies were honest and ethical and offered programs capable of helping debt-ridden Mississippians cope with their debts. It used six criteria in assessing these companies — debt solution alternatives, customer satisfaction, fees, customer service, financial standing and business ethics. Based on these criteria it found that the three best debt consolidation loan companies are National Debt Relief, CuraDebt and American Debt Enders.

In doing its research, BestDebtConsolidationLoans.org also learned that Mississippians have an average credit score of 686 and a median household income of just $36,641 versus the national median household income of $51,017. When you add to this the ever-increasing costs of housing, fuel and food, plus the fact that many Mississippians are not very good money managers it becomes clear as to why so many of the states residents are having a problem with debt.

BestDebtConsolidationLoans.org also announced that of the three best debt consolidation providers identified in its survey, National Debt Relief ranked at the top of the list. This was due to several factors. For example, BestDebtConsolidationLoans.orgs reviewers gave high marks to National Debt Relief because it operates very ethically. It charges its customers nothing until it has settled their debts to their satisfaction and provided them with payment plans they approved. This means that unlike some debt consolidation loan providers, National Debt Relief charges no upfront fees. Nearly all its customers reported that they were very satisfied with the services they had received from National Debt Relief. They also liked the fact that National Debt Relief has a very generous cancellation policy where its customers can cancel out of their programs at any time and without being charged anything. It is for these reasons and others that National Debt Relief has been able to maintain an A rating with the Better Business Bureau. The company was also highly ranked because it provides its customers with programs designed specifically to fit their needs. National Debt Relief is usually able to save its customers thousands of dollars and have them debt free in 24 to 48 months. In addition, the companys fees are reasonable and in line with those of other debt relief providers. And it has an excellent financial standing.

BestDebtConsolidationLoans.org ranked the company CuraDebt second on its list of top online debt consolidation loan providers. Its experts gave the company high marks as it has well-trained counselors that are able to help the companys customers with almost all kinds of debt problems, including student loan debts, tax debts and personal loans as well as with credit card debt reduction. CuraDebt has strong relationships with the credit card companies and provides its customers with flexible payment programs.

Ranked third by BestDebtConsolidationLoans.org in its list of the top debt relief companies is American Debt Enders. This company has been in business for only about seven years but has already developed a reputation for being able to help its customers achieve debt relief. It specializes in working with people who have more than $5000 in debt. It is not only able to help its customers with credit card debt but it is also often able to help them improve their credit scores.

Mississippi residents who would like to learn more about these three debt consolidation loan companies should go to http://www.BestDebtConsolidationLoans.org.

Read the full story at http://www.prweb.com/releases/top_debt_consolidation/Mississippi_residents/prweb11848023.htm

Double job loss spells trouble for family’s finances

by Shelton on June 30th, 2014

filed under Finances

For Victor and Shannon Macias, the good old days were as recent as 2012, when the couple could afford to take their two daughters to Disneyland or out to dinner without worrying about the bill.

But after both were laid off from their jobs, family entertainment became staying home and watching a movie or heading to the local park for some free fun.

They are an unfortunate example of people who were in the middle class and were doing an excellent job of saving, said fee-only financial planner Jennifer Hartman. They had a very reasonable lifestyle.

But like many other Americans who suffered layoffs during the recession and its aftermath, Hartman said, the new jobs they were able to find dont pay nearly as much as their old jobs.

Between 2007 and 2012, according to US Census Bureau statistics, the median annual income for a typical US household fell from $55,627 to $51,017.

The countrys median income numbers have dropped steadily despite the end of the recession and the beginning of the nations economic recovery.

For the Macias family, the change has been dramatic. For a couple who never finished college, the two had been doing well, but their income fell from a combined $72,500 in 2011 to $43,000 by 2013.

First, Shannon lost her full-time job working as an administrative assistant for a local church in 2012. Three months later, Victor was laid off from his job as a senior merchandiser for Mattel.

Since then, Shannon, 44, has been able to find only part-time work. Thats been hard on the family finances but also has fed her desire to be a full-time homemaker.

Victor, 40, has had a full-time job for the past six months as a driver for an electrical contractor, delivering equipment to work sites. But hes earning considerably less money than he did at his previous job.

To try to make up some of the lost income, Victor has been taking all the overtime hours he can get.

The hard part is getting up at 4 in the morning, he said, and sometimes not getting back home until pretty late at night.

With their old jobs, Shannon said, we were making enough to put some money away and feel comfortable.

Most months lately, Victor added, Were just making it.

The last few months have been very tough, he said. Now theres a lot of anxiety. Now we worry about spending as little as $10, $20. Should we really spend it?

The couple isnt sure how to proceed.

The two know they need to maintain a frugal lifestyle unless their income improves, but they also want to support their girls extracurricular interests, such as one daughters unexpected talent for fencing.

They recognize the need to save for the future education of their children, ages 10 and 12, without sacrificing progress in building their retirement nest egg.

To have the girls go to college would be my fondest dream, Victor said, since we hound them so much during the year to do well at school.

The Macias family currently rents in Los Angeles Eagle Rock neighborhood and would like to buy a home there that they could leave to their daughters.

Financial planner Hartman said the Macias family could have been in far worse shape if Victor and Shannon hadnt maintained such good financial habits.

The couple avoided the kind of post-layoff overspending that often results in big credit card debts. The two have paid off one car, a Chevrolet Tahoe, and most of their $17,800 in debt is a loan they took out to buy the familys other car, a Chevrolet Cruze, to replace a 1965 Mustang that Victor reluctantly sold.

Their debt isnt bad, Hartman said. That is a positive thing. Ive seen plenty of people just keep spending like they did when they were making more money.

But the homeownership plans need to be set aside for now, Hartman said.

They simply dont earn enough, Hartman said, to cover a mortgage in a neighborhood like Eagle Rock, much less the additional costs of homeownership.

They dont have the money for repairs, property taxes, Hartman said.

In the meantime, the Macias family should try to enjoy the fact that they are living in a neighborhood they love, on a relatively quiet street and in a reasonably priced apartment that is much safer than the one that was burglarized back in 2005, in another neighborhood. Until the layoffs, that was the worst financial disaster the Macias family had faced, losing Shannons jewelry and other valuables in the crime.

Job No. 1, the planner said, is to find higher-paying work or other ways to boost their income, especially since they are just not spending a lot of money. I dont see a lot of room for cutting back.

Victor, for instance, has volunteered with youth baseball and softball programs; he could put his love of sports to work by offering his services as a private coach, Hartman said.

Hartman advised Victor and Shannon, who met two decades ago while working at the Glendale Galleria, to put new resumes together that emphasize their retail experience and strong skills working with other people.

They also need to find time to squeeze in some additional training or other education to bolster their earning potential, she said.

There are online courses they can take, Hartman said. Theres also night school.

Another reason for supplementing their current income, Hartman said, is that the family has only a small buffer against unexpected debts. They have $190,000 in retirement savings, which they really shouldnt touch.

Their $2,500 savings account needs to grow large enough to cover at least three months of living expenses.

Sudden expenses will happen, Hartman said, and they need to be better prepared for that.

On the bright side, their retirement savings are excellent for this stage of their lives. They are way ahead of the curve. Ive had clients who make $500,000 a year and havent saved a thing.

Hartman had only one complaint about the couples retirement savings so far. They were top-heavy in large-cap stock funds and there was an over-reliance on high-yield but also high-risk bonds.

Id like to see them move the money into something more conservative that will still probably provide a good return, Hartman said, and charge them lower fees.

Saving for college should be a lower priority than building an emergency fund and saving for their golden years.

Financial planners like to say, You can always borrow for college, Hartman said. You cant borrow for retirement. They need to think of themselves first.

Hartman added that there were other financial concerns the couple hadnt thought about at all, such as estate planning.

At the very least, they need wills. The software is not expensive and they can do it themselves, Hartman said. God forbid, but if something happens to both of them, they dont want the courts deciding what happens to their kids.

Hartman said that included the important task of picking a trusted friend or relative to be their childrens guardian if something happened to both parents. Victor and Shannon also need living wills that outline their intentions if they were unable to make decisions themselves.

Despite the challenges they face, the two have a lot going for them, Hartman said.

Theyre young. Theyre smart. Theyre personable. They seem to have a lot of skills, she said. I think they have great potential.

A case for looser credit scores

by Shelton on June 28th, 2014

filed under Credit Scores

WASHINGTON — Are lenders credit-score requirements for home purchasers this spring too high — out of sync with the actual risks of default presented by todays borrowers? The experts say yes.

What experts? The developers of the credit scores used by virtually all mortgage lenders.

FG woman, mayor in dispute over meeting

by Shelton on June 28th, 2014

filed under House Loan

When a Fort Gibson resident attempted to turn in a request to speak at the towns Board of Trustees regular meeting, the mayor would not accept her request.

They know they are in trouble, said the resident, Kyrstin Willey. They are trying to shut me down.

Willeys home was one of those on East South Avenue that sustained extensive damage after the Memorial Day flash floods poured more than 3 inches of rain in one hour on the town.

Fort Gibson Mayor Brad Clinkenbeard said Willey should not be allowed to address the board about the issue because she is not the owner of the house.

We as the board have been advised by our lawyer that the issue with the flood and homes should be addressed by the owner of record, Clinkenbeard said.

Willey, who lives in the home, said she is the trustee of her grandparents property, but not on the house loan.

The loan is in my grandmothers name, and the deed is in my grandparents name, she said.

Clinkenbeard said that if Willey produced documents to prove she is the executor of the trust, she would be able to speak.

Im not trying to keep anybody from talking, Clinkenbeard said. Its just the legality of it.

The request form for the regular meeting states that requests must be submitted to the town administrator by noon of the Thursday before the meeting in order to be placed on the agenda. It also states that the board of trustees encourages participation from all its citizens.

Willey said she filled out the request and turned it in on time. She received a phone call from the mayor informing her that she could not speak.

Fort Gibson was visited by the Oklahoma Department of Environmental Quality on May 2 and 3 after a resident filed a complaint about sewage backup.

The DEQ ran tests at the residence, then informed town officials that they needed to elevate the manhole lids on East South Avenue.

Fort Gibson city workers installed elevated manhole covers Wednesday. A spokeswoman for the DEQ said no decisions had been finalized in regards to an order or violation notice from DEQ to the town.

Posted with the agenda for the Monday meeting was a new document stating that the board will not tolerate personal attacks on its members, the towns administrative staff, or any town employee.

Willey said she would not be attending the meeting on the advice of her attorney.

My attorney advised us not to go, Willey said. We are waiting to get information from the DEQ.

Reach EI Hillin at (918) 684-2926 or ehillin@muskogeephoenix.com.

If you go

WHO: Fort Gibson Board of Trustees.

WHAT: Regular meeting.

WHEN: 6 pm today.

WHERE: Town Municipal Building, Assembly Hall, 200 W. Poplar Ave., Fort Gibson.

INFORMATION: (918)478-3551.

Fitch Affirms FREMF 2011-K703

by Shelton on June 27th, 2014

filed under House Loan

NEW YORK Fitch Ratings has affirmed three classes of Freddie Macs FREMF Mortgage Trust, series 2011-K703 multifamily mortgage pass-through certificates. A detailed list of rating actions follows at the end of this press release.

KEY RATING DRIVERS

The affirmations are the result of stable performance of the underlying pool since issuance. As of the May 2014 distribution date, the pools aggregate principal balance has been reduced by 1.8% to $1.2 billion from $1.23 billion at issuance. Per the servicer reporting, one loan (1.2% of the pool) is defeased. Fitch has designated three loans as Fitch Loans of Concern, and no loans have been in special servicing since issuance.

The largest Fitch Loan of Concern is the Lofts 54 loan (0.9% of the pool), which is secured by a 172-unit student housing property located near the University of Illinois in Champaign, IL. The propertys net operating income (NOI) decreased approximately 27% in 2013 due to a decline in occupancy. The resulting decrease in NOI resulted in a debt service coverage ratio (DSCR) of 0.96x as of year-end 2013. The servicer reports that a new borrower had acquired the property in the fourth-quarter of 2012 and occupancy has increased to 96% as of year-end 2013 from 78% as of second-quarter 2013. Additionally, the servicer reports the propertys expenses increased as a result of marketing and advertising by the new borrower.

The next Fitch Loan of Concern is the Marshall Woods loan (0.1%), which is secured by a 66-unit apartment property located in Upper Darby, PA. The servicer-reported property occupancy and DSCR was 92% and 1.02x, respectively, as of year-end 2013. The servicer reports that the lower DSCR is attributed to both a slight decrease in revenue and an increase in expenses due to property renovations.

The last Fitch Loan of Concern is the Carole House loan (0.1%), which is secured by a 35-unit apartment building located in Upper Darby, PA. The year-end 2013 occupancy and DSCR was 100% and 0.69x, respectively. The decrease in DSCR is a result of a 23% increase in expenses that are primarily associated with utilities and repairs and maintenance.

RATING SENSITIVITY

The Rating Outlooks for all classes remains Stable. Due to the recent issuance of the transaction and stable performance, Fitch does not foresee positive or negative ratings migration until a material economic or asset level event changes the transactions overall portfolio-level metrics. Additional information on rating sensitivity is available in the FREMF 2011-K703 (Sept. 15, 2011) report, available at www.fitchratings.com.

Fitch affirms the following classes as indicated:

–$62.5 million class A-1 at AAAsf, Outlook Stable;

–$963.3 million class A-2 at AAAsf, Outlook Stable;

–$85.8 million class B at A-sf, Outlook Stable;

–$1.03* billion class X1 at AAAsf; Outlook Stable.

Fitch does not rate the class C, X2 and X3 certificates.

*Notional and interest-only.

Additional information on Fitchs criteria for analyzing US CMBS transactions is available in the Dec. 11, 2013 report, US Fixed-Rate Multiborrower CMBS Surveillance and Re-REMIC Criteria, which is available at www.fitchratings.com under the following headers:

Structured Finance >> CMBS >> Criteria Reports

Additional information is available at www.fitchratings.com.

Applicable Criteria and Related Research:

–Global Structured Finance Rating Criteria (May 20, 2014);

Applicable Criteria and Related Research:

FREMF 2011-K703

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=651395

Global Structured Finance Rating Criteria

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=748821

Additional Disclosure

Solicitation Status

http://www.fitchratings.com/gws/en/disclosure/solicitation?pr_id=833237

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCYS PUBLIC WEBSITE WWW.FITCHRATINGS.COM. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCHS CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE CODE OF CONDUCT SECTION OF THIS SITE. FITCH MAY HAVE PROVIDED ANOTHER PERMISSIBLE SERVICE TO THE RATED ENTITY OR ITS RELATED THIRD PARTIES. DETAILS OF THIS SERVICE FOR RATINGS FOR WHICH THE LEAD ANALYST IS BASED IN AN EU-REGISTERED ENTITY CAN BE FOUND ON THE ENTITY SUMMARY PAGE FOR THIS ISSUER ON THE FITCH WEBSITE.

BestDebtConsolidationLoans.org Reveals That Nebraskans Struggling With …

by Shelton on June 27th, 2014

filed under Debt Consolidation

Lincoln, NE (PRWEB) June 06, 2014

While the state of Nebraska is ranked third best for unemployment, many of its residents are struggling with debt. In fact, Nebraskans are carrying an average credit card debt of $4,298 per borrower, which does not include mortgage debt and other types of debts.

The states workforce totals 914,830. This means that while its unemployment rate is only 4.2%, there are still nearly 39,000 Nebraskans out of work.

There are numerous debt consolidation loan companies available online. However, as the company BestDebtConsolidationLoans.org learned many of them are frauds that charge unsuspecting customers big fees upfront and then don’t deliver on their promises. There have been cases where these con artists collected thousands of dollars from their customers but then never paid off their debts with loans as they had promised. Some are notorious for scamming their customers, closing down before they can be prosecuted and then opening up in a few months under a new name. This makes it practically impossible for customers who were scammed to get any of their money back.

BestDebtConsolidationLoans.org decided to do an independent and objective review of these online companies to learn if there were ones that Nebraskans could trust to provide the debt solutions they promised and at reasonable cost. The company used six criteria in evaluating online debt relief providers as follows: Customer satisfaction, fees, debt solution options, customer service, financial standing and business ethics.

Based on these criteria, BestDebtConsolidationLoans.org found that there were three companies that Nebraskans could trust for help in becoming debt-free. They are National Debt Relief, American Debt Enders and CuraDebt.

A spokesperson for BestDebtConsolidationLoans.org reported that of these three options the best was National Debt Relief due to a number of factors. For one thing, it ranked very high in customer satisfaction, debt solution options and business ethics. National Debt Relief charges its customers nothing until it has satisfactorily settled their debts and offered them payment plans which they can then either approve or turn down. In the event a National Debt Relief customer is dissatisfied with his or her payment plan or any of the other services offered by the company, he or she can cancel out and will not be charged anything. National Debt Relief customers usually report that they were very satisfied with the company and its services. They liked the fact that National Debt Relief provides programs custom tailored to their individual needs. National Debt Relief consistently maintains an A rating with the Better Business Bureau. It specializes in working with customers who owe more than $7,500 in debts. It is almost always able to help its customers become debt-free in two to four years. This is because the company has years of experience dealing with lenders and has learned how to negotiate settlements that save its clients thousands of dollars.

BestDebtConsolidationLoans.org ranked the company CuraDebt as the second best option for Nebraskans who need help with their debts. It works mostly with customers who owe more than $10,000 on their credit cards. It is almost always able to get its customers the results it promises due to its strong working relationships with the credit card companies. BestDebtConsolidationLoans.org analysts were also impressed by the flexible debt consolidation programs that CuraDebt provides its customers that go beyond credit card debts to include programs that can help with defaulted loans, student loans and even tax debts.

Ranked third by BestDebtConsolidationLoans.org is the company American Debt Enders. While this company has been in business for less than eight years it has already built a reputation for being able to help individuals and families that owe more than $5000. Its debt counselors are said to be compassionate and responsive and able to help with almost all types of credit problems. In fact, American Debt Enders says that it is even often able to help its customers improve their credit scores.

Nebraskans who are struggling with debt and would like to know more about these three debt consolidation companies should go to http://www.BestDebtConsolidationLoans.org for more information.

Acclaim Legal Services Presents A Complete Debt Consolidation Plan

by Shelton on June 26th, 2014

filed under Debt Consolidation

In this article the author has talked about how a debt consolidation plan can be helpful for a bankrupt individual.

Online PR News 06-June-2014 Money cant buy you happiness but it will sure buy innumerable things that you need to survive in this world. Therefore it is crucially important to have a good amount of money saved for financial troubles and stressful situations. However for a businessman this idea may not be applicable because he has to put all of his investment at risk to earn profit. In case he has to face loss, he will surely become bankrupt. Bankruptcy is the most critical situation that any individual has to ever face in his/her life. Especially for a businessman this is the time when he needs a lot of courage and support to fight and come out of this situation of crisis.

If you are sailing in the same boat and are facing a severe situation of bankruptcy, then I would advise you to take help from any prominent legal service provider of your state or country. For instance, if your residential state is Michigan, you may find many good legal service providers there. You could take their help for filing bankruptcy in Michigan. These legal service providers also offer debt consolidation plans to deal with bankruptcy and safeguard personal assets of bankrupt individuals.

I would advise you to contact Acclaim Legal Services for getting the best legal services in the state of Michigan. The law firm holds a lot of expertise and experience in handling the most typical bankruptcy cases. They offer an excellent debt consolidation plan, which is authorized by court and can give you the legal protection that you require for combating this situation. This debt consolidation plan is known as Chapter 13 Bankruptcy In Michigan and is specially made for individuals who are dealing with the situation of bankruptcy in the state. This court authorized plan is designed for individuals who want to safeguard their private assets like home and vehicle from foreclosure and sale by creditors during bankruptcy. Apart from preventing foreclosure and sale this plan also provides bankrupt individuals financially suitable repayment terms for reimbursement of debt. Therefore this legal firm will surely help you in getting out of the typical situation of Bankruptcy.

For more information about the legal services offered by the firm, you can browse through the following website link http://acclaimlegalservices.com/.

About Acclaim Legal Services, PLLC

The company is headed by founder William Johnson, who is one of the most popular attorneys of Michigan. The legal firm is engaged in offering customized legal solutions to their valuable clients. Contact information of the legal firm is mentioned in the details below:

23400 Michigan Ave #715,

Dearborn, MI 48124

Media Contact

(313)-324-8763

Top 3 Debt Consolidation Companies Available To Residents Of Illinois …

by Shelton on June 26th, 2014

filed under Debt Consolidation

Chicago, IL (PRWEB) May 09, 2014

Trying to get out from under a huge load of debt can be an almost impossible task. Many residents of Illinois have even been forced to file for bankruptcy in order to become debt free. However, there is a better option available. It is called debt consolidation. And fortunately for Illinois residents the company behind the site BestDebtConsolidationLoans.org reviewed the debt consolidation loan companies in the state and found that there are, in fact, companies that are honest and ethical and can help people become debt free without the stigma of a bankruptcy in their credit reports.

It is clear that some residents of Illinois are struggling with debt as the state has an average credit card debt per borrower of $5166. This is nearly $300 higher than the US average credit card debt per borrower of $4879. In addition, Illinois’ unemployment rate as of last November was 8.7% ranking it fourth worst in the nation exceeded only by Michigan, Nevada and Rhode Island.

Despite the fact that the state has a median household income of $51,738 many residents are being pushed into debt. This is due to the state’s high unemployment rate, along with rising fuel, gas and home prices, plus the fact that many Illini are thought to practice poor financial management.

Given all this, it’s fortunate that BestDebtConsolidationLoans.org found that there are honest debt consolidation loan companies available to help Illinois residents. In analyzing these companies, BestDebtConsolidationLoans.org used six yardsticks. They were consumer satisfaction, debt solution options, fees, financial standing, business ethics and customer service. Based on these criteria, it found the top three debt consolidation loan companies to be National Debt Relief, CuraDebt and American Debt Enders. And of these three, it ranked National Debt Relief as the best choice for debt consolidation.

BestDebtConsolidationLoans.org reviewers liked the fact that National Debt Relief operates in a very ethical manner. As an example of this, the company has a free cancellation policy. This allows its clients to cancel at any time without the fear of being charged shocking fees. National Debt Relief specializes in working with people who owe more than $7500 and provides custom-tailored solutions fitted to their individual needs. The company charges no upfront fees and, in fact, charges nothing until it has settled its clients debts satisfactorily and provided them with payment plans that they have approved. BestDebtConsolidationLoans.org analysts also found that of the National Debt Relief clients they surveyed, the overwhelming majority were very satisfied with the services they had received from the company. National Debt Reliefs charges are reasonable and in line with those of other debt consolidation loan companies. Its counselors have excellent working relationships with lenders enabling them to negotiate debt settlements that save their clients thousands of dollars and usually have them debt free in 24 to 48 months.

BestDebtConsolidationLoans.org ranked CuraDebt as the second best debt consolidation loan company available to residents of Illinois. This company specializes in working with people who owe more than $10,000 and especially when it’s credit card debt. CuraDebt, too, has good relationships with the credit card companies and understands how to work with them. In addition, the company is fairly unique in that it offers its customers a free, no-obligation initial consultation. The companys debt consolidation programs are flexible and can include student loan debts, defaulted loans and tax debts as well as credit card debts.

The third best debt consolidation loan company according to BestDebtConsolidationLoans.org is American Debt Enders. It works with people who owe $5000 or more in debt. The companys staff is said to be both compassionate and honest. The counselors at American Debt Enders are trained to help its clients with all types of debt problems. In fact, according to the company, it can even help its clients improve their credit scores.

Residents of Illinois that would like to learn more about these three debt consolidation companies should go to http://www.bestcreditconsolidationloans.org.

3 Best Debt Consolidation Companies in Missouri Announced by …

by Shelton on June 25th, 2014

filed under Debt Consolidation

Jefferson City, MO (PRWEB) June 02, 2014

The company BestDebtConsolidationLoans.org recently completed a survey of the online debt consolidation loan options available to residents of Missouri. Its goal was to do independent and objective reviews of the alternatives available to help the states residents not only achieve debt relief but to avoid being scammed.

A BestDebtConsolidationLoans.org spokesperson pointed out that unfortunately there are many con artists operating on the Internet as debt consolidation loan companies. We felt it was important to determine which ones could be trusted to provide debt relief and at an affordable cost, reported the spokesperson.

BestDebtConsolidationLoans.org found that there are honest and trustworthy companies available to residents of Missouri that can help them become debt free. In analyzing these companies it used the following criteria: Customer service, fees, debt solution alternatives, financial standing, customer satisfaction and business ethics.

While there were several companies that ranked highly on BestDebtConsolidationLoans.orgs list of dependable consolidation loan providers, it felt that there were three that were the top. They are National Debt Relief, CuraDebt and American Debt Enders.

We used six factors in evaluating these companies, said the BestDebtConsolidationLoans.org spokesperson. They were customer service, customer satisfaction, debt solution alternatives, fees, business ethics and financial standing.

It is clear that many Missourians are struggling with debt. In fact the states residents have an average credit card debt of $6,217, which is nearly $1,000 more than the US average credit card debt of $5,235 per borrower. In addition, the median household income for Missourians is $37,333 ranking it 39th in the US. The states unemployment rate is currently 7.1%. Since the states workforce consists of 1,080.420 people this means that there are approximately 76,000 residents currently out of work. When you combine the states low median household income with its high average credit card debt, plus the ever-increasing costs of necessities such as fuel and food, its no wonder that so many Missourians have fallen deeply into debt.

Of the three best debt relief providers, BestDebtConsolidationLoans.org ranked National Debt Relief number one. This was due to a number of factors such as the fact that most of its customers reported that they were very satisfied with the companys services. National Debt Relief provides its customers with debt solution alternatives programs to their needs. Its fees are reasonable and in line with those of other debt relief companies. In addition, National Debt Relief got high marks for its business ethics. It charges no upfront fees and has a liberal cancellation policy that allows dissatisfied customers to opt out at any time without having to pay any fees at all. National Debt Relief charges its customers nothing until it has settled their debts to their satisfaction and provided them with payment plans, which they had approved. In addition, the funds its customers send to National Debt Relief are placed in FDIC-insured trust accounts, which only they can administer. This assures them that their money cannot be used without their approval and consent.

BestDebtConsolidationLoans.org rated the company CuraDebt as the second-best alternative for debt relief. It works mostly with customers that owe more than $10,000 in credit card debt. CuraDebt has good working relationships with the credit card companies so is almost always able to settle their customers debts to their satisfaction. It offers flexible programs tailored to its customers needs that go beyond credit card debt reduction, as it is also able to help with tax debts, student loans and defaulted loans.

American Debt Enders was ranked as third best by BestDebtConsolidationLoans.org. It has created a reputation in just seven years for helping customers achieve debt relief that owe more than $5000. Its debt counselors are very well trained and able to help the companys customers with all types of credit problems. For that matter, American Debt Enders has said that it can even often help its customers improve their credit scores.

Missouri residents who would like to learn more about these three best debt consolidation loan companies should go to http://www.BestDebtConsolidationLoans.org for more information.

Read the full story at http://www.prweb.com/releases/top_debt_consolidation/Missouri_residents/prweb11904775.htm

Indiabulls salutes those who save, promotes low value home loans at …

by Shelton on June 25th, 2014

filed under House Loan

Oneof theTVCstitled Taxifeaturestwo men walking out of their office late at night.Oneof themasksthe protagonist about the new house he was planning to buy.Hes told that its become too expensive, even inthe outskirts.A taxi driver asks Rs 450 to take the shocked protagonist to Malad. As hes about to board, he sees a bus, andgets intoitto save money. While hes in the bus, a band of people wearing IndiabullT-shirts start playing music and garland the man. The voice over explains,Jo karte hai har wakt bachat ki koshish unhe hum karte hain salaam (we salute those people who are always thinking of savings). The nextframe capturesthe man and his wife at an Indiabulls office for the house loan. The film ends with the man celebratingathis new house with his family.