Credit Card Debt Consolidation Debt Relief And How To Get Started Today

by Shelton on May 9th, 2014

filed under Debt Consolidation

With Many In The Nation Still Struggling With Personal Debt, National Debt Relief Program Discusses The Steps To Obtain Relief


Credit card debt consolidation and debt relief programs are helping many Americans today who are having trouble with credit card debt, medical bills and even personal loans such as private student loans. The fact is that at some point in their lives most people will face a financial difficulty. Whether this challenge is caused by a job loss, illness or simple overspending, the good news is that debt relief in such situations is possible. How to get started? Read on.

If a person or someone they know is struggling under the burden of debt, relief can be obtained through both self-help actions as well as through the help of professional debt relief service providers and legal firms. The most common and effective self-help techniques include budgeting, accounting for all income and expenditures, and living within ones means. The types of professional debt relief services available today include debt consolidation, credit counseling, debt settlement and debt re-structuring. Every person’s debt situation is unique which is why it’s important to ask questions and be forthcoming when obtaining professional help with debt.

Debt Consolidation – Though this program can work in various ways, in most cases it involves taking multiple debt payments and combining them into a single monthly debt payment, making debt management a simpler process. In some cases, debt consolidation may also lower interest and extend payment terms.

Debt Settlement – Also known as debt negotiation and debt arbitration, debt settlement is considered to be a more aggressive approach towards resolving personal debt. When done properly, debt settlement can resolve debt for an amount that is considerably less than the original balance owed, in some cases as little as fifty percent of the original outstanding balance owed.

For consumers who find themselves buried in credit card debt and medical bills, debt settlement can be extremely effective at resolving their debt issues. The important aspect is to take action quickly once personal debt has gotten to be a problem before it spirals out of control. The good news is that debt relief can be only a click away.

National Debt Relief Program offers a free debt analysis which can be taken advantage of at their website:

Arizona’s Top 3 Debt Consolidation Loan Companies

by Shelton on May 9th, 2014

filed under Debt Consolidation

Arizona’s Top 3 Debt Consolidation Loan Companies

Phoenix, Arizona – The company recently analyzed debt consolidation loan companies in Arizona. Its goal was to provide Arizonans with objective reviews of the options available to them for debt relief and to avoid being scammed.


The company independently reviewed the various debt consolidation loan programs available to Arizonans who are struggling with debt. It is now announcing the three debt consolidation loan companies that ranked highest based on’s reviews. They are National Debt Relief, CuraDebt and American Debt Enders.

Many Arizonans are struggling with debt. There are several reasons for this, not the least of which is Arizonas unemployment rate. As of November 2013, it was 7.8% ranking it 11th in the US for unemployment. The state’s largest city, Phoenix, has an unemployment rate of 7.5%. The city of Tucson is faring better with an unemployment rate of 6.2% but Flagstaff, the state’s third largest city, was worse at 7.2%.

Arizona’s total workforce as of November of last year was 2,414,000. Given its unemployment rate of 7.8% this means there were approximately 188,292 unemployed workers at that time. Arizona residents have an average credit card debt of $5,011, which is slightly higher than the national average of $4879 per borrower. The state’s residents have an average Experian PLUS credit score of 676, which is only two points lower than the national Experian PLUS average credit score of 678. Its median household income is $ $46,709. This ranks it 30th in the US

Home ownership is 66.8%. This is slightly higher than the national homeownership rate of 65%.

When you combine the states average credit card debt of $5,011 with high unemployment and poor personal financial management, it becomes clear as to why Arizonans are having such a problem managing their debts. Big debt can be an extraordinarily serious problem and getting out of it can be very difficult. However, assures consumers that there are ethical and trustworthy companies available to help them become debt-free.

The’s analysts that reviewed debt consolidation loan companies in Arizona used six different criteria in ranking them. They were customer service, its fees, debt solution options, consumer satisfaction, business ethics and financial standing.

Based on these criteria, ranked National Debt Relief number one – due to its high customer satisfaction and reasonable charges. It specializes in helping Arizonans who owe more than $7500 with custom-designed debt consolidation programs.

National Debt Relief has maintained an A rating with the Better Business Bureau for many years, making it a very trusted company. It charges neither an upfront or cancellation fee, which makes the company very attractive to first-time customers. In fact, National Debt Relief charges nothing until it has satisfactorily settled its customers debts and provided them with an approved payment plan. Its customers are nearly always satisfied with the services they receive from National Debt Relief and their payment plans.

CuraDebt was ranked second by This company specializes in helping consumers that have more than $10,000 in credit card debts. It has been able to deliver good results because of its close working relationships with the credit card companies. CuraDebt offers flexible debt consolidation programs that go beyond credit card debt reduction, including help with tax debts, student loans and defaulted loans.

American Debt Enders was ranked third by It has been in business since 2007 and is known for helping consumers who have $5000 or more in debt. The companys debt experts are trained to handle almost all types of credit problems. American Debt Enders is even able to help consumers who need to improve their credit scores.

Arizona residents, who would like to learn more about these three credit consolidation loan companies, should visit http:///

How to establish credit after your spouse dies

by Shelton on May 9th, 2014

filed under Secured Credit

Still living off credit cards? Cant figure out how much you could or should spend? Need to save for retirement? Deborah McNaughton, a Placentia credit expert, financial coach and author of “Money Trouble: Surviving Your Financial Crisis,” is here to provide her financial advice.

Q. My husband died several years ago. All the credit cards were in his name. I went to apply for a new credit card and was denied the credit. I made all the payments on these cards but my credit report said No record found.” What can I do to get new credit?

A. I am sorry for your loss. Unfortunately with the death of a spouse, many times the one left behind has no clue about their finances since the other one was handling them. It may take some time to unravel. I recommend that both men and women that are married establish credit in their own name.

Check to see if any of the credit cards that your husband had were joint accounts with you. If they were, contact the credit card company and instruct them to report this to your credit report. If none of the accounts were held jointly you will have to start all over in re-establishing your own credit.

If you have no credit in your name, go to your local bank and see if it offers a secured credit card program. You can also check with to see what banks offer secured credit cards.

A secured credit card is a Visa or MasterCard that you get from a bank after you make a security deposit. I would recommend that you get two secured credit cards and charge small amounts each month. Pay the full balance off every month.

You will then build a good payment history which will be reported on your credit report. Always make sure you pay your payments on time. In six months to a year request that the bank issue you an unsecured credit card in place of the secured credit card.

This is not an overnight process, however if you continue to make your payments you will eventually be able to get new credit.

It is important that every woman whether married or single have credit in her own name. Should anything ever happen to your spouse and your credit is in your spouse’s name, you may not be able to establish credit for yourself. This is especially true if you are a homemaker who is suddenly widowed or divorced with no job or income.

For more on solving credit and debt problems, see my website:

Do you have questions about credit, dealing with debt or budgeting? Send your questions to with “credit question” in the subject line. Please include your name and a phone number where you can be contacted; they will not be published.