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Debt Consolidation in Delaware

For 35 percent of Americans, their debt is past due to the point that it has been placed into collections. Anyone who has ever had the unpleasant experience of being hounded by debt collectors knows that being in debt is one of the most stressful experiences consumers can face. In Delaware, 37.8 percent of consumers currently have outstanding debt in the collections process, with 71 percent of those in debt due to failure to pay their mortgages on time.

Consumers who are being harassed by debt collection agencies should record the calls and file a complaint with the Federal Trade Commission. Because Delaware is a one-party consent state, it is legal for consumers to record calls with debt collectors without their knowledge or consent.

Working with a consumer credit counseling agency can help consumers to get themselves out of debt without resorting to bankruptcy, which can damage their credit rating. Consumer credit counseling agencies are able to negotiate lower payments for consumers, and even assist them in applying for debt consolidation.

Consumers who are unable to qualify for debt consolidation programs and truly have no other option can consider filing for bankruptcy. Chapter 13 bankruptcy allows consumers to keep some of their possessions, including property that may be mortgaged, while they pay off their debt. Chapter 7 erases all debt without the consumer having to pay what is owed. The tradeoff is that property can be seized as part of the process.


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Debt Consolidation In The News

Settlement to provide over $340K in debt relief to North Dakota students

BISMARCK - The North Dakota Attorney General's Office has announced that 151 North Dakota students will receive more than $340,000 in loan debt relief in a settlement with the for-profit education com...

Published:  Wed, 16 Jan 2019 16:04:00 GMT

Maine financial institutions lending relief to civilian federal workers who aren't getting paid

With no end to the shutdown in sight, some financial institutions in Maine are offering relief in the form of low- or no-interest loans, loan deferments, fee and penalty waivers, relaxed lending stand...

Published:  Thu, 17 Jan 2019 01:08:00 GMT

Automakers roll out payment relief options for federal workers

but adding them to the back end of the loan) or deferred lease payments. Toyota's relief program doesn't only include furloughed government workers, however. The company said any financial customer bu...

Published:  Thu, 17 Jan 2019 03:02:00 GMT

Public Debt Through the Ages

Less widely appreciated are successful debt consolidation episodes, instances in which governments inheriting heavy debts ran primary surpluses for long periods in order to reduce those burdens to sus...

Published:  Thu, 17 Jan 2019 03:02:00 GMT

Unpaid Coast Guard members offered some relief thanks to $15 million USAA donation

Some 42,000 active-duty Coast Guard members - including 700 in San Diego - and 8,700 civilian employees may get some financial relief from the partial government ... a non-profit that offers zero-inte...

Published:  Wed, 16 Jan 2019 16:38:00 GMT

New governor adds to California's debt

Yet from the outset, his first budget commits to new programs and ongoing spending that put future generations at risk of having to deal with more government debt, already pegged ... the federal gover...

Published:  Wed, 16 Jan 2019 16:03:00 GMT

Financial Resolutions To Start With As Shared By Debt Consolidation USA

(PRLEAP.COM) As the new year is just around the corner, Debt Consolidation USA shares some of the best financial resolutions people can look into. The article titled "Financial Resolutions You Need To ...

Published:  Sun, 30 Dec 2018 00:02:00 GMT

Global Debt Consolidation Market: Status and Forecast 2018-2025 Marcus by Goldman Sachs (USA), One Main Financial (USA), Discover Personal Loans (USA)

Los Angeles, CA -- (SBWIRE) -- 12/29/2018 -- QY Research has come up with a newly published report on global Debt Consolidation market in its database that provides an in-depth analysis of the key mar...

Published:  Fri, 28 Dec 2018 23:15:00 GMT

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