Options For Clearing Debt California

A guide to the benefits and disadvantages of different ways one can get out of debt. It discusses consolidation, bankruptcy, and debt relief programs.

Local Companies

Card Payment Solutions
(559) 275-7577
4213 State Street
Santa Barbara, CA
Heartland Payment Systems
(559) 363-2898
26803 Fonda
Fresno, CA
The Golden 1 Credit Union
(559) 222-1148
111 E. Shaw
Fresno, CA
The Golden 1 Credit Union-CSUF
(559) 454-7651
5280 N Jackson Ave
Fresno, CA
Pacific Service Credit Union
(559) 437-5420
102 E Nees
Fresno, CA
State Center Credit Union
(559) 225-7228
1515 E. Shaw Ave
Fresno, CA
The Golden 1 Credit Union
(559) 297-3276
2970 E Nees Ave
Fresno, CA
Scully Cynthia R
661-665-8802
100 H St
Bakersfield, CA
Santa Ana Back Tax Debt Relief
714-881-4498
1620 W 1st St
Santa Ana, CA
Affordable Aid
209-477-7000
1201 N Center St
Stockton, CA

Consolidation

1. Benefits

  • Lower monthly payments
  • No worry of paying multiple debt collectors every month, pay only one agency
  • Percentage of debt charged by consolidation company
  • Costs for Loan
  • Cost for counseling or negotiation

2. Negatives

  • Appears on your credit like bankruptcy
  • Requires you to get another loan
  • If you own a home loan will be tied to your equity
  • Takes between 5 and 10 years to pay off the loan
  • First few years no big change in debt reduction
  • Does not always prevent creditors from future legal collection action

Bankruptcy

1. Benefits

  • Costs between $700-$3000

2. Negatives

  • On credit report for ten years
  • Finances made public record
  • No assets are allowed with Chapter7
  • Creditors can file adversarial hearing that costs $3000
  • Credit severely damaged

Debt Relief Program

1. Benefits

  • Payments can stop as soon as the program starts
  • Credit Repair available after a short time
  • Good credit repair options available

3. Negatives

  • Usually only credit card debt and unsecured signature loan

About the Author:

Marcus Ware is the webmaster of www.waresbusiness.com and promotor of affiliate products.
waresbus@waresbusiness.com

Article Source: thePhantomWriters Article Submission Service

Featured Local Company

Card Payment Solutions

(559) 275-7577
4213 State Street
Santa Barbara, CA

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