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Get debt free: 7 Simple Steps to A Stress-Free Life

It is difficult to visualize a world without increasing payday loans, bills for credit cards, threatening calls as well as medical bills. But then, leading a life free of debt may not be possible always. The only thing that you need on your part is a strong strength of mind, endurance and ample time for choosing the right way. Once you are free from the stress of a debt, you will be able to lead a peaceful life. If you will be able to pay your bills on time then you will be able to track your finances as well. Let us now take a look at some of the ways that will help you lead a stress free life.

  • 1st Step
  • The first step that you need to take up to lead a debt free life is by admitting the fact that you are in debt. It would be unwise on your part to leave your bills unpaid or avoid creditor calls. In fact, it will worsen the situation further.

  • 2nd Step
  • You should seek help from a professional debt relief organization. If you are willing to reduce the rates as well as consolidate the bills into a one monthly payment, then make sure to go in for a debt consolidation plan. If you are interested in lowering the outstanding balance and are not able to afford monthly payments, then ensure enrolling in the settlement plan.

  • 3rd Step
  • The settlement company or consolidation company will provide you a no-obligation counseling session for free. During this session, you will find a consultant analyzing your financial status and help you with a right debt solution. To make this job simpler, you need to prepare a list of your bills and debts. Below each of the dues, ensure putting down the name of the creditor, the overall amount that you owe, the monthly payment as well as the interest rate. This will help your consultant come up with a clear picture about the financial status.

  • 4th Step
  • Depending on the overall amount you owe as well as your monthly income, you will find that the consultant will help you come up with a monthly budget for the expenses. This will help you evaluate the exact amount of money you have in your hand after making payments for your utility bills as well as other expenses. The remaining amount can be used for paying off the debts.

  • 5th Step
  • In a consolidation plan, the consultant usually negotiates with the collection agency or creditors for lowering your monthly payments as well as rates. But then, if you want to settle your debts, then the consultant will not negotiate for reduced rates. Instead he will talk to the creditors for lowering the outstanding balance.

  • 6th Step
  • You should make a one time monthly payment to the consolidation organization that allocates the amount to your creditors. This continues for two to six years till you get free of debt. If you select debt settlement, you need to stop making payments to the creditors. Instead you will have to make monthly payment to the settlement organization. The payments accumulate into heavy cash in a trust account. The amount will be then paid to the collection agency and creditors.

  • 7th Step
  • When you settle or consolidate debts, ensure not applying for any kind of loan or credit. Or else it will be had for you to lead a debt free life.

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