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This is the first in a series of articles on the subject of how my husband and I are going about paying off debts and becoming mortgage free. These are my actual facts and figures about my personal experience with the United First Financial® Money Merge Account^™ system.

The Internet is a wonderful thing.  Anyone can let their opinion be known and profess to be an “expert” on any topic, even me!   It’s difficult to remember that just a few short years ago what resources we would use when we wanted information on anything. We might try asking our friends their opinion or purchase the latest copy of Consumers Report magazine or maybe even go to the library and try to find the resources there.

But today for most people things are different.  These days we just “Google” it or go to “Bing”.  And what do we find when we research something on the Internet?  Depending on the search engine and the topic, the results we get can be in the millions.

What happens when you “Google” the Money Merge Account?  I did that the other day and found 387,000 results.  When I used “Bing” I got 7,730,000 results.  And what kind of results do we get?  We get information from the United First Financial corporate website and we get lots of different agents talking about United First Financial and the Money Merge Account.

In addition to that you also get a handful of Read the rest of this entry

When people hear the phrase, “Non-Profit” they’re often amazed to find out that the services are not free. This isn’t uncommon, every non-profit organization still has to pay for buildings, help, utilities, insurance and other expenses. So what is a non-profit debt settlement solution and how are they different from other debt settlement groups?

Non-profit settlement groups and for-profit settlements operate the same basic way. The non-profit group provides free debt counseling and prepares an income analysis. This analysis is the first step to becoming debt free. It will help you establish a budget and recognize areas where you are spending too much.

Using this information, the non-profit group negotiates with your creditors to work out a lower interest rate, or even a lower settlement amount. They then handle the settlement process. This is done through monthly payments that accumulate in an account. Once there is enough in the account to pay off one creditor, the money is withdrawn and the process is started over again with the next creditor. In these ways, profit and non-profit are the same.

The non-profit and for-profit settlement groups differ in Read the rest of this entry

When attempting to protect your household’s future ability to keep and maintain good credit, choosing to use a debt consolidation service is a very wise decision. Unlike other types of debt relief programs, you do not have to directly contact or negotiate with the creditors. The balances that are owed are not reduced and there is no modification of contracts.

Instead, your entire past due obligations are bundled together and paid off. This will immediately eliminate any recurring fees that were charged in association with the past due balances. This will also clear your credit report of any future missed or late payments that may have resulted.

Bankruptcy

Bankruptcy is never a good option to choose. It can stain a credit record for years to come and inhibit the ability to get credit cards, some homes or apartments, and even employment on occasion. Using a consolidation service can help avoid this nightmare.

After all of your entire past due obligations have been paid off by the debt consolidation service, the total paid is then issued as a loan that you repay on a monthly basis. The payments are most often Read the rest of this entry

When beset with financial worries, it can be tempting to latch onto the first solution that seems to promise debt relief. Since not all debt consolidation services are equally helpful and effective, it’s worth taking a little extra time to investigate several companies.

Many people are not comfortable discussing money problems with friends and family, which can make it more difficult to get a personal recommendation. The local Better Business Bureau often has a list of accredited credit and debt counseling companies, with information about any complaints that have been filed against the company and whether those complaints have been resolved. The State Attorney General‘s office may also have information about which companies are licensed to operate in the state, and whether there are outstanding complaints against them. On-line forums where people in the same geographic area are discussing financial matters are another helpful resource, as people who have already been through this process may be able to recommend the company they used or offer helpful advice.

Once three or four companies have been identified and checked with the Better Business Bureau and the state to make sure they are legitimate firms with few complaints, it is time to look into each company’s offerings in more detail. If they have an Read the rest of this entry