Tools and Resources

There's nothing more daunting than trying to tackle your own debt. "Where do I begin?" "What to do?" "What should my budget be?" "How much am I spending?" And, not having the right information makes it that much harder. Credit Card Consolidation has created these tools and resources to help consumers wrangle in their debt so that they may start focusing on future financial goals and begin paying down debt.

From the most frequently asked questions about debt consolidation or debt settlement to useful calculators that can help you see your income against your expenses. We hope that the following pages benefit your financial goals.

Debt Calculators
You make the minimum payment month after month thinking that you will eventually pay off all of your credit card debt. But, do you know how long it will really take you to pay off the debt? Get the information you need to understand just how long it will take to pay off the debt. Moreover, get a real number on just how much money you will have given to the credit company.

For example, paying the minimum payment of $220 on an account that has $10,000 on it with a 22% APR will take you seven years to pay off and you will have given your creditor over $8,000. Just imagine what you could do with those $8,000 if you had put them into a savings instead of gifting them to your creditor.

FAQs
Debt settlement is the process of aggressively paying down debt so that you are rid of it in a general short amount of time. Because debt settlement is very aggressive, this option is best suited for consumers that are 60, 90, 180 or more days past the monthly due date.

Qualifying for Debt Management
Confused by the promises for debt relief from advertisements blurting out from your radio, television, or some websites or what they are even talking about? Don't worry, that's what credit counseling is for. Nationally accredited debt counselors will walk you through what it means to be in debt, how your late fees and soaring APRs can impact you when you are trying to save money.

Debt Articles
Credit Card Consolidation has written up some articles to help consumers get advice and information about debt consolidation and other debt programs. We also have articles on saving and budgeting that we hope you will find beneficial.