subject: Lower Payments And Debt Reduction - What is Debt Consolidation? [print this page] Lower Payments And Debt Reduction - What is Debt Consolidation?
Debt consolidation what is it? It is a process by which credit counseling copanies can negotiate with your creditors to obtain the lowest monthly obligation they can needed to satisfy all of your current credit card accounts.
So what you would do is pay a one low monthly to the debt consolidation company, in turn they then portion out that payment to your creditors for you. This monthly payment will in most cases be lower than the sum of your individual account obligations that you have now.
Our credit counseling web site is designed to help you in take charge of your credit card debt.
Most Creditors will recognize that people who enter a debt consolidation program are trying to repay the debt they have in good faith. Creditors will be more willing to extend favorable terms to such clients in the hope that they can avoid the significant expense of turning the account over to their collections department or avoid an extended drawn out process if the account holder decides to goes through the expense of declaring bankruptcy.
Most debt consolidation companies only deal with unsecured debt which is when a creditor holds no collateral. For example, an unsecured debt is usually in the form of: credit cards, department store cards, medical bills, and gas cards. No form of collateral such as a home or car was utilized to secure the "loan" for services rendered or goods received. With a secured loan, and as a precaution against "default" (non payment) what is used as "collateral" for the loan could be liquidated
This is not a loan, so no credit checks are needed. Debt Consolidation is confidential and discreet, so there's no need to worry about employment, reference verification or credit history assessment. This can be accomplished from the comfort and privacy of your home, so there's no need to worry about transportation, sitter arrangements, time away from work or embarrassing face-to-face consultations. We provide the total debt solution when it pertains to credit counseling and you becoming debt free.
var LEO_HIGHLIGHTS_IFRAME_TOP_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOP_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOP_HEIGHT);
var LEO_HIGHLIGHTS_IFRAME_BOTTOM_HOVER_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_BOTTOM_COLLAPSED_WIDTH,LEO_HIGHLIGHTS_IFRAME_BOTTOM_COLLAPSED_HEIGHT);
var LEO_HIGHLIGHTS_IFRAME_BOTTOM_CLICK_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_BOTTOM_EXPANDED_WIDTH,LEO_HIGHLIGHTS_IFRAME_BOTTOM_EXPANDED_HEIGHT); var LEO_HIGHLIGHTS_DIV_HOVER_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOTAL_COLLAPSED_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOTAL_COLLAPSED_HEIGHT);
var LEO_HIGHLIGHTS_DIV_CLICK_SIZE = new LeoHighlightsDimension(LEO_HIGHLIGHTS_IFRAME_TOTAL_EXPANDED_WIDTH,LEO_HIGHLIGHTS_IFRAME_TOTAL_EXPANDED_HEIGHT); /** * Sets the size of the passed in element * * @param elem * @param dim * @return */
function _leoHighlightsSetSize(elem,dim)
{ try { // Set the popup location elem.style.width = dim.width + "px"; if(elem.width) elem.width=dim.width; elem.style.height = dim.height + "px"; if(elem.height) elem.height=dim.height; } catch(e) { _leoHighlightsReportExeception("_leoHighlightsSetSize()",e); } } /** * This can be used for a simple one argument callback * * @param callName * @param argName * @param argVal * @return */
function _leoHighlightsSimpleGwCallBack(callName,argName, argVal)
{ try { var gwObj = new Gateway(); if(argName) gwObj.addParam(argName,argVal); gwObj.callName(callName); } catch(e) { _leoHighlightsReportExeception("_leoHighlightsSimpleGwCallBack() "+callName,e); }
} /** * This gets a url argument from the current document. * * @param url * @return */
function _leoHighlightsGetUrlArg(url, name )
{ name = name.replace(/[[]/,"\[").replace(/[]]/,"\]"); var regexS = "[\?&]"+name+"=([^&#]*)"; var regex = new RegExp( regexS ); var results = regex.exec(url); if( results == null ) return ""; else return results[1];
} /** * This allows to redirect the top window to the passed in url * * @param url * @return */
} /** * This will find an element by Id * * @param elemId * @return */
function _leoHighlightsFindElementById(elemId,doc)
{ try { if(doc==null) doc=document; var elem=doc.getElementById(elemId); if(elem) return elem; /* This is the handling for IE */ if(doc.all) { elem=doc.all[elemId]; if(elem) return elem; for ( var i = (document.all.length-1); i >= 0; i--) { elem=doc.all; if(elem.id==elemId) return elem; } } } catch(e) { _leoHighlightsReportExeception("_leoHighlightsFindElementById()",e); } return null;
} /** * Get the location of one element relative to a parent reference * * @param ref * the reference element, this must be a parent of the passed in * element * @param elem * @return */
function _leoHighlightsGetLocation(ref, elem) { _leoHighlightsDebugLog("_leoHighlightsGetLocation "+elem.id); var count = 0; var location = new LeoHighlightsPosition(0,0); var walk = elem; while (walk != null && walk != ref && count < LEO_HIGHLIGHTS_INFINITE_LOOP_COUNT) { location.x += walk.offsetLeft; location.y += walk.offsetTop; walk = walk.offsetParent; count++; } _leoHighlightsDebugLog("Location is: "+elem.id+" - "+location); return location;
} /** * This is used to update the position of an element as a popup * * @param IFrame * @param anchor * @return */
function _leoHighlightsUpdatePopupPos(iFrame,anchor)
{ try { // Gets the scrolled location for x and y var scrolledPos=new LeoHighlightsPosition(0,0); if( self.pageYOffset ) { scrolledPos.x = self.pageXOffset; scrolledPos.y = self.pageYOffset; } else if( document.documentElement && document.documentElement.scrollTop ) { scrolledPos.x = document.documentElement.scrollLeft; scrolledPos.y = document.documentElement.scrollTop; } else if( document.body ) { scrolledPos.x = document.body.scrollLeft; scrolledPos.y = document.body.scrollTop; } /* Get the total dimensions to see what scroll bars might be active */ var totalDim=new LeoHighlightsDimension(0,0) if (document.all && document.documentElement && document.documentElement.clientHeight&&document;.documentElement.clientWidth) { totalDim.width = document.documentElement.scrollWidth; totalDim.height = document.documentElement.scrollHeight; } else if (document.all) { /* This is in IE */ totalDim.width = document.body.scrollWidth; totalDim.height = document.body.scrollHeight; } else { totalDim.width = document.width; totalDim.height = document.height; } // Gets the location of the available screen space var centerDim=new LeoHighlightsDimension(0,0); if(self.innerWidth && self.innerHeight ) { centerDim.width = self.innerWidth-(totalDim.height>self.innerHeight?16:0); // subtracting scroll bar offsets for firefox centerDim.height = self.innerHeight-(totalDim.width>self.innerWidth?16:0); // subtracting scroll bar offsets for firefox } else if( document.documentElement && document.documentElement.clientHeight ) { centerDim.width = document.documentElement.clientWidth; centerDim.height = document.documentElement.clientHeight; } else if( document.body ) { centerDim.width = document.body.clientWidth; centerDim.height = document.body.clientHeight; } // Get the current dimension of the popup element var iFrameDim=new LeoHighlightsDimension(iFrame.offsetWidth,iFrame.offsetHeight) if (iFrameDim.width 0) position.x = anchorPos.x + anchorDim.width; else if (anchorScreenPos.x - anchorDim.width - iFrameDim.width > 0) position.x = anchorPos.x - anchorDim.width; else // default to below position.y = anchorPos.y + anchorDim.height; _leoHighlightsDebugLog("_leoHighlightsUpdatePopupPos() - sideBottom: "+position); } } /* Make sure that we don't go passed the right hand border */ if(position.x+iFrameDim.width>centerDim.width-20) position.x=centerDim.width-(iFrameDim.width+20); // Make sure that we didn't go passed the start if(position.x
