Consolidating debt with your mortgage www onlinedating advice org

Call the local office of the Department of Housing and Urban Development or the housing authority in your state, city, or county for help in finding a legitimate housing counseling agency near you.

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Other lenders may agree to change the terms of the mortgage by extending the repayment period to reduce the monthly debt.

Ask whether additional fees would be assessed for these changes, and calculate how much they total in the long term.

Don’t wait until your accounts have been turned over to a debt collector.

At that point, your creditors have given up on you.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops.

Their counselors are certified and trained in consumer credit, money and debt management, and budgeting.

Depending on the type of service, you might get advice on how to deal with your mounting bills or create a plan for repaying your creditors.

Before you do business with any debt relief service, check it out with your state Attorney General and local consumer protection agency.

If you can't do this, the creditor may sell the car.

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