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How Does Debt Consolidation Stack Up Versus Debt Settlement?

By Talbert Williams

Where to Get Debt Consolidation Help

Is there help for debt consolidation? Sure, there is; and the

help is available for free in some areas. If you suffer bad

credit, then you can get help by reviewing the free

do-it-yourself kits at the local libraries. Debtors can go to the

public library and find help books that will direct you from

beginning to end through the steps of paying your debts all the

way to repairing your credit.

The majority of libraries will allow you to copy and print the

forms inside the guides. This means you can simply fill in the

blanks, submit the forms to the right sources; and you will soon

be on your way to debt relief.

Most creditors prefer letters over phone calls, since the letters

explain deeper details than an ordinary telephone message will

display. In addition, letters are best for you, since, if you are

being taken to court for debts owed, you will have written copies

that you put forth the effort to repay your debts. Written

information will hold up in any situation verses word of mouth.

In addition, you should keep all copies of return letters or

letters from your creditors. This will include recording phone

conversations, recording dates, recording time, and even

recording the name of the person who called. You will provide a

brief outline of the conversation and store the files in a safe


If you find errors or faults on your bills that seem mysterious,

don't delay in taking it upon yourself to contact the creditors

immediately. Also, if you own a credit card, and are forced to

repay debts on damaged packages, remember that it is illegal for

anyone to force you to pay for damaged goods if you did not cause

the damage.

Debt consolidation is an ongoing process, but if you find a way

to relieve debt gradually, you will eventually reap the benefits

of your efforts when you become debt free.

Get debt help online now at

Talbert Williams All rights reserved.

About The Author

Talbert Williams offers debt consolidation, debt reduction, credit card debt referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site:

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