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everything you ever wanted to know about - debt reduction & consolidation  

Definition : debt consolidation

The replacement of multiple loans with a single loan, often with a lower monthly payment and / or a longer repayment period. Often called a consolidation loan

Definition : debt reduction

Reduction in the face value of an outstanding debt.

 
 

Articles on debt reduction & consolidation Click on article for full details

The Pro's and Con's Of Debt Consolidation Loans

5 Surefire Ways To Eliminate Credit Card Debt

Credit Card Debt Watch Your Credit Report And Your Bill

Teaching Students To Keep Out Of Credit Card Debt - The Parents' Role

Debt Counselling Healing Touch For The Ailing Finances

Debt Management Watch Out For Bank Fees!

Defeating Credit Card Debt With Self Control

The Debt Test: Are You Making Out A Mountain Out Of Your Mortgage?

A Debt Elimination Process Must Be Initiated From You.

Debt Settlement Companies And How To Find The Right One

Get Out Of Debt - Top 5 Reasons You Need To Consolidate Loans

Consolidate All Your Debt Into One Monthly Payment

Credit And Debt Management

Two Ways To Debt Relief

Five Hot Tips To Get Out Of Debt Forever

Credit Card Debt: How To Get Rid Of It.

British Families And Debt

In Debt? Make A List!

Debt Settlement Strategies

Best Debt Reduction Service

 

 

Finding help on debt reduction, consolidation & counselling

Debt Consolidation & Counselling in Alabama

Debt Consolidation & Counselling in Alaska

Debt Consolidation & Counselling in Arizona

Debt Consolidation & Counselling in Arkansas

Debt Consolidation & Counselling in California

Debt Consolidation & Counselling in Colorado

Debt Consolidation & Counselling in Connecticut

Debt Consolidation & Counselling in Delaware

Debt Consolidation & Counselling in Florida

Debt Consolidation & Counselling in Georgia

Debt Consolidation & Counselling in Hawaii

Debt Consolidation & Counselling in Idaho

Debt Consolidation & Counselling in Illinois

Debt Consolidation & Counselling in Indiana

Debt Consolidation & Counselling in Iowa

Debt Consolidation & Counselling in Kansas

Debt Consolidation & Counselling in Kentucky

Debt Consolidation & Counselling in Louisiana

Debt Consolidation & Counselling in Maine

Debt Consolidation & Counselling in Maryland

Debt Consolidation & Counselling in Massachusetts

Debt Consolidation & Counselling in Michigan

Debt Consolidation & Counselling in Minnesota

Debt Consolidation & Counselling in Mississippi

Debt Consolidation & Counselling in Missouri

 

Debt Consolidation & Counselling in Montana

Debt Consolidation & Counselling in Nebraska

Debt Consolidation & Counselling in Nevada
Debt Consolidation & Counselling in New Hampshire

Debt Consolidation & Counselling in New Jersey

Debt Consolidation & Counselling in New Mexico

Debt Consolidation & Counselling in New York

Debt Consolidation & Counselling in North Carolina

Debt Consolidation & Counselling in North Dakota

Debt Consolidation & Counselling in Ohio

Debt Consolidation & Counselling in Oklahoma

Debt Consolidation & Counselling in Oregon

Debt Consolidation & Counselling in Pennsylvania

Debt Consolidation & Counselling in Rhode Island

Debt Consolidation & Counselling in South Carolina

Debt Consolidation & Counselling in South Dakota

Debt Consolidation & Counselling in Tennessee

Debt Consolidation & Counselling in Texas

Debt Consolidation & Counselling in Utah

Debt Consolidation & Counselling in Vermont
Debt Consolidation & Counselling in Virginia

Debt Consolidation & Counselling in Washington

Debt consolidation & Counselling in West Virginia

Debt Consolidation & Counselling in Wisconsin

Debt Consolidation & Counselling in Wyoming

 
 

Quotations on debt

He getteth a great deal of credit, who payeth but a small debt
- Proverb

Better to go to bed hungry than to wake up in debt.
- Proverb quotes

It is better to pay, and have but little left, than to have much, and be always in debt
- Proverb

It is very iniquitous to make me pay my debts - you have no idea of the pain it gives one.
Lord Byron

Sign on bank: We can loan you enough money to get you completely out of debt
Anonymous quotes

 
 

Joke on debt

A businessman was in a great deal of trouble. His business was failing, he had put everything he had into the business, he owed everybody-- it was so bad he was even contemplating suicide. As a last resort he went to a priest and poured out his story of tears and woe. When he had finished, the priest said, "Here's what I want you to do: Put a beach chair and your Bible in your car and drive down to the beach. Take the beach chair and the Bible to the water's edge, sit down in the beach chair, and put the Bible in your lap. Open the Bible; the wind will rifle the pages, but finally the open Bible will come to rest on a page. Look down at the page and read the first thing you see. That will be your answer, that will tell you what to do."

A year later the businessman went back to the priest and brought his wife and children with him. The man was in a new custom-tailored suit, his wife in a mink coat, the children shining. The businessman pulled an envelope stuffed with money out of his pocket, gave it to the priest as a donation in thanks for his advice.
The priest recognized the benefactor, and was curious. "You did as I suggested?" he asked.
"Absolutely," replied the businessman.
"You went to the beach?"
"Absolutely."
"You sat in a beach chair with the Bible in your lap?"
"Absolutely."
"You let the pages rifle until they stopped?"
"Absolutely."
"And what were the first words you saw?"
"Chapter 11."

 
 

Books on debt reduction & consolidation

How to Get Out of Debt, Stay Out of Debt, and Live Prosperously

Book Description
Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he's talking about--he, too, was once thousands of dollars in debt and didn't know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer's own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration--and fun.
 

 
 

DVDs on  debt reduction & consolidation

Debt Stress: Teen Budgeting DVD

Editorial Review
Managing money is not always an easy feat. You have to know how much you have to spend, what bills you have to pay with it, whether or not you are going to save or invest it or whether or not you are just going to spend it on a movie and a new pair of shoes. Money and financial responsibility go hand in hand. Find out how to manage your money, live within your means and stay out of debt.