{"id":859,"date":"2017-09-20T04:15:54","date_gmt":"2017-09-20T11:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=859"},"modified":"2024-09-17T11:29:28","modified_gmt":"2024-09-17T18:29:28","slug":"why-now-is-the-best-time-to-pay-off-your-debts","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id859-why-now-is-the-best-time-to-pay-off-your-debts.html","title":{"rendered":"Debt Consolidation Program Pros and Cons You Need to Know"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2009\/12\/debt-consolidation.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-43651\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2009\/12\/debt-consolidation.jpg\" alt=\"\" width=\"376\" height=\"243\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2009\/12\/debt-consolidation.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2009\/12\/debt-consolidation-300x194.jpg 300w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" \/><\/a>If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and <a href=\"https:\/\/lenpenzo.com\/blog\/id34011-overwhelmed-heres-how-to-downsize-your-life-in-9-easy-steps-2.html\" target=\"_blank\" rel=\"noopener noreferrer\">selling luxury items to free up cash<\/a>. You can also look at getting assistance from a debt relief company or opt for refinancing.<\/p>\n<p>If you have managed to get your existing mortgage refinanced, now is the best time to pay off debts, either by using the freed-up cash you received from your refinancing, or via your new lower monthly payments.<\/p>\n<p>If not, and you qualify for other debt relief options, you can always try debt consolidation to pay off debts. Debt consolidation is a process in which you merge all your debts into a single account.<\/p>\n<p>You can consolidate your debts via a debt consolidation loan, or with the help of a debt consolidation program.<\/p>\n<p>Debt consolidation can be done with the help of a debt consolidation company or you can approach the creditors on your own. Sometimes it may be better to wrap up your debts with the help of a debt consolidation company because availing another loan only adds to your existing debt burden.<\/p>\n<p>If you have a reputable debt help company to represent you, they are familiar with the way creditors and collection agencies work. A debt consolidation company negotiates with creditors so that the current interest rate can be reduced, thereby lowering your monthly payments. With a new repayment schedule you are then able to pay off debts more easily.<\/p>\n<p><strong>Debt Consolidation Program Benefits<\/strong><\/p>\n<ul>\n<li>You get a new monthly repayment plan<\/li>\n<li>You enjoy reduced interest rates on your debt<\/li>\n<li>Since the interest rate on your debt is reduced, the amount you have to shell out each month is reduced considerably<\/li>\n<li>You stop receiving calls from your creditors or your collection agencies<\/li>\n<li>As your debts are paid off, <a href=\"https:\/\/lenpenzo.com\/blog\/id2148-40-ways-to-improve-your-credit-score-3.html\" target=\"_blank\" rel=\"noopener noreferrer\">your credit score will improve<\/a><\/li>\n<\/ul>\n<p><strong>Debt Consolidation Program Drawbacks<\/strong><\/p>\n<ul>\n<li>Administrative charges used to pay for a debt consolidation plan at the entry level can often be better utilized for directly paying off debt<\/li>\n<li>Thorough research is required to separate predatory non-profit debt counseling companies from legitimate ones<\/li>\n<li>It&#8217;s nearly impossible to get new credit while on such a program<\/li>\n<li>All debts may not qualify for a debt consolidation program<\/li>\n<\/ul>\n<p>Whatever your situation, it&#8217;s important to understand that it is always better to take a proactive solution by <a href=\"https:\/\/lenpenzo.com\/blog\/id23958-33-reasons-why-your-finances-are-a-complete-mess-2.html\" target=\"_blank\" rel=\"noopener noreferrer\">changing your spending habits<\/a> to minimize debt. So why not start right now?<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: investmentzen<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you allow your debts to pile up, they can draw you into a vicious debt cycle. You can try to solve the debt problems on your own by implementing some severe austerity measures such as cutting spending to the bone, and selling luxury items to free up cash. You can also look at getting [&hellip;]<\/p>\n","protected":false},"author":149,"featured_media":43651,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-859","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Debt Consolidation Program Pros and Cons You Need to Know<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id859-why-now-is-the-best-time-to-pay-off-your-debts.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Consolidation Program Pros and Cons You Need to Know\" \/>\n<meta property=\"og:description\" content=\"If you allow your debts to pile up, they can draw you into a vicious debt cycle. 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