Debt Free 247 - Debt Free Consolidation Guide

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DEBT FREE 247 DEBT CONSOLIDATION GUIDE

Welcome to DebtFree 247. We are a debt consolidation mediator offering a free, online guide designed to help consumers find the best debt counseling and debt management service available. With many years experience in the debt industry, working with companies offering debt settlement, debt negotiation, debt free management and debt consolidation, we are able to make educated recommendations as to which debt consolidation companies may best fulfill one's immediate and long term needs. We also publish a free online finance tips and news section covering the loan industry, which is all provided to help you consolidate your debts, become debt free and learn how to manage debt for a lifetime.

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Daily Finance Tip:

Kick Your Bad Money Habits

Just when you think you've broken a bad habit, it can rear it's ugly head and you're right back to where you started. So if you have some undesirable money habits that are giving you trouble, try the following tips to help you kick them for good.

Aim for a goal. Write down your goals, figure out how to achieve them and break them down into smaller, manageable steps. Once you have a destination and know how to get there, it becomes easier to stay focused.

Pay yourself first. Whether you're saving for retirement, an emergency fund or a dream vacation, put aside money for that goal first. Use automatic transfers and direct deposit to make saving effortless.

Pay more than the minimum. With credit cards, the minimum payment may hardly make a dent in your overall balance. To dig yourself out of debt more quickly, funnel as much as you can toward the account and leave your credit cards at home so you aren't tempted to use them. Once you've paid off the debt, only use credit cards for true emergencies or pay off the balance each month.

Use found money wisely. First, put a portion of unexpected income, such as birthday money, a bonus or tax refund, toward your financial goals. Then use the remainder however you want.

Avoid unnecessary fees. To avoid late fees, log every due date on one calendar - from bills to rented movies - and refer to it daily.

Reward yourself. You don't want to sacrifice so much to achieve your goals that you feel deprived. Leave a little room in your budget for small treats.

TOP DEBT CONSOLIDATION REVIEWS

Clear One Debt Relief - Clear One is a full-service debt management company providing debt settlement services with specialization in credit card debt relief. Their aim is to avoid bankruptcy, cut your debt in half, be debt free in as little as 24 months with a low monthly payment and no harassing creditors calling you. This company offers a very attractive option for your debt management solution. Easy application to get started.

NextStudent.com - The NextStudent Federal Loan Consolidation program is available to all students and their parents for loan consolidating. Credit checks nor co-signers are required. We offer free one-on-one counseling with a personally assigned Education Finance Advisor.

Attractive, super low interest rates that can help lower your monthly payments as much as 60%
Plus Loans for Parents - borrow up to 100% of college cost with rates as low as 6.1%.
Federal Stafford Loans - low 5.3% interest rate, in-school rates starting at 4.7%.
Consolidation Loans - finance student loans, loans that have already been consolidated and private loans starting at 8.98%.
Private Student Loans for undergraduate and graduate students.

Credit & Debt - Rather than just guessing at an online debt consolidation company that may not have your best interests at heart, let Credit & Debt make that choice for you. They have over eight years of experience working in the debt industry with companies specializing in debt settlement, debt management and debt consolidation. They know the best options for your situation and can make educated recommendations as to which company can best fulfill your needs. Free no obligation quote. Must have a minimum of $5000.00 unsecured debt.. Minimal application to get started.

Academy Credit - Academy Credit understands that debt negotiation or debt settlement can be complicated and is not something that consumers should try to handle without help. You need a professional negotiator that has the resources to work with companies holding your debt, to solve your credit and debt problems. In the process of clearing your debt, Academy Credit will also work to improve your credit ratings. They have a 95% success rate in improving people's credit ratings. Very easy three question application to get started.

Lexington Law Firm - If you have an incorrect or unfair credit report and you've tried to have it corrected, you know what a nightmare it can be. If you've been through, or are now facing bankruptcy, foreclosure or collections, it can seem that it takes an act of Congress to have these items removed from your credit report. When dealing with something as important and sensitive as your credit, you should be very careful who you trust to help you. Who you hire can have a profound effect on the outcome of your case. When it comes to matters of trust, there is no better place to turn than a law firm. Attorneys are bound by rules of ethics that require then to act with absolute integrity. The lawyers at Lexington Law will be a true advocate for your rights. Services start at $39.00/month, cancel at any time.

PROTECT AGAINST CREDIT CARD FRAUD!

Costing consumers hundreds of millions of dollars a year, credit card fraud is a monster that none of us are totally immune from. Following, are self-help tips to help you protect yourself against credit card fraud.

Do:

When your cards arrive, sign them immediately.
Keep your cards in a separate holder from your wallet.
All information concerning your credit cards such as contact numbers and addresses, account numbers, dates of expiration, etc. should be kept in a safe place.
During a transaction, make sure your card does not leave your sight.
If you have any receipts that are incorrect, make sure you void them.
Carbons should be destroyed.
When your monthly billing statement arrives, make sure to compare it with your saved receipts.
Reconcile your account statements promptly, as soon as they arrive.
Put in writing to the card company any disputed charges.
If you have an address change, notify your credit card company.

Don't

Allow anyone else to use your card.
Keep your receipts or cards lying around in the open.
Sign a receipt that is blank. Make sure there are no blank spaces on the receipt when you sign it.
Don't copy your credit card number onto the outside of any correspondence.
Provide your credit card number to any company over the phone unless you know that they are reputable. Check with the Better Business Bureau if you have concerns about the company that you are dealing with.

If your credit card has been stolen or lost, contact the card issuer immediately. Once you have reported the theft or loss, by law, you are no longer liable for any charges. Most companies have 24 hour service for dealing with these types of emergencies. An amount of $50.00 per credit card is your greatest liability.