Do You Want to Sell Your Home?

Home sales are going up this year. Do you want to sell your home and move elsewhere? How can you make the process more efficient and profitable? Here are some things to think of and things to do if you want to sell your home.

Clean Up and De-clutter

The first thing to do before listing your home and showing it to prospective buyers is to pick up and clean up. Mow the yard and pick up random toys, tools and whatnot that might be eyesores. Sweep, vacuum, dust and mop the inside of your home. If you have mold or mildew under a bathroom sink or around your tub clean or a dripping faucet fix it and clean it up. Nothing scares off a potential buyer more than a dirty home. Then de-clutter your home. A rule of thumb is to remove half of what is in every room. Things that are not moving to your new home should be sold, given away to the Salvation Army or put in the dumpster. Put the rest in storage until you move. An uncluttered house lets the prospective buyer imagine how their things would look in the house. Additionally if you have a lot of family photos take some down. You want people to imagine themselves in the house and not you.

Painting, Staining, Varnishing and Replacing

If your front door needs paint or stain and varnish to cover chips or scratches go ahead and fix the problem. The front door is the entry to your home and provides potential buyers with their first impression.  Don’t repaint all of your rooms but paint over bold colors with something off white. And certainly if a wall is really ugly it probably needs paint.  Counter tops and floors in bathrooms and kitchens are places where upgrading and fixing often pays for itself. You do not need to aim for luxury but clean and new in these areas leaves a great impression and typically increase the house value by one to three percent.

Light and Breezy Instead of Dark and Dank

Open the curtains and shades when showing your home and if it is not unbearably cold or hot outside open the windows and let a little breeze in. And an old trick that will make you house seem like home to a potential buyers is to bake an apple pie in the oven, or simply put cinnamon and cloves in a pan with water and boil it. The memorable scent throughout the house may just help your potential buyer compare your house favorably with some old memory.

Timing Is Important

The best time to sell a house in in May and the best time to buy is late summer. The obvious reason is that people with families want to make their move over the summer to avoid having their kids change school in the middle of the year. That means in January or February you should start thinking about selling your home and make take the necessary steps to clean up, fix up and prepare for selling.

How Are Liquid Detergent Packets Dangerous to the Elderly?

Everyone knows or should know not to leave caustic things like cleaning granules or rat poison where little children can get into them. Little kids explore and want to taste everything. And all too often a little child ingests one of these products because they think it might be food. Unfortunately the same sort of issue applies on the other end of the age spectrum. ABC News writes about how laundry detergent packets can be dangerous for people with dementia.

The nonprofit organization Consumer Reports stated the popular liquid laundry detergent packets, sometimes referred to as “pods,” may pose a “lethal risk” for adults with dementia, who may mistake the highly concentrated detergent packets for food.

The group obtained statistics from the Consumer Product Safety Commission after filing a Freedom of Information Act. The data showed that there have been eight deaths related to ingesting the liquid laundry detergent packets in the U.S. between 2012 and early 2017. Of those deaths, six were adults with dementia and two were young children.

The answer to this issue is that like parents of toddlers, caregivers for the elderly with dementia need to be aware of this issue and ideally not have these products in the homes or facilities where these folks live.

The problem affects both the very young and the very old.

Ingestion and External Contact with Concentrated Detergents

Very concentrated detergents are caustic. The Canadian Family Physician reports that airway compromise and esophageal perforation are potentially lethal complications of the ingestion of liquid detergent packets by both the young and the very old. In addition to ingesting concentrated detergent there is a risk of skin irritation and eye damage with these products.

What to Do

If someone has ingested one of these products the first thing to do is call poison control. Do not induce vomiting as this might cause the person to get the caustic material into their lungs as well as their intestinal tract.

More importantly what to do to avoid these sorts of situations is to avoid these products if they cannot be safely stored away from little children and confused adults. Ideally such products should be stored in a cleaning supplies closet with a locked door or in a locked cupboard. Or they should not be purchased.

Outcomes

The vast majority of toddlers and adults with dementia who get into these products suffer no long term adverse effects. However, between 2012 and 2017 in the USA there were 8 deaths from ingestion of these products, two young children and six adults.

The Fresno Bee writes about this same issue and an 87 year old woman with dementia who ate two laundry packets and died two days later despite hospitalization for aggressive care.

Additionally children have been reported to have residual eye damage with corneal scaring from such exposures.

The Nature of Packaging

Putting products in brightly colored packages is an attractive way to market things.

Unfortunately this leads to confusion in the very young and very old as to whether or not this is a good thing to eat or something to stay away from.

Which News Sources Are Credible?

Deceptive advertising has been around since Roman times when the admonition was let the buyer beware. Politicians have been known to lie since the days of ancient Athens when demagogues stirred the passions of the populace with lies that people wanted to hear. Today the term fake news is used both to describe intentional lies on the news and in social media. And the term is used to attack any news reports or opinions that may be damaging to a given politician or group. In other words there really is fake news floating around, especially in social media. And the term is used by guilty politicians to discredit the source of legitimate but bad news about them.

Whom Can You Trust?

For the consumer of news, which news sources can you trust these days? Be careful what you ask for in this regard because the answer has to do with what you believe in the first place. E-Poll Market Research looked at fake news as perceived by Democrats, Republicans and Independents.

With the rise of “fake news,” many news sources, even very legitimate sources, are finding themselves under fire and fighting for validity if they present a view that differs from their audience. One thing is for sure, this alternative news means different things to different people.

These folks asked people if they thought that news sources were credible and if they were informative. Here are the news sources.

  • PBS News
  • MSNBC
  • CBS News
  • CNN
  • NBC News
  • The Huffington Post
  • ABC News
  • Fox News
  • BuzzFeed
  • Breitbart News Network

As one might have suspected Republicans listed Fox News at the top of the list for credibility followed by Breitbart. They ranked these two the same for being informative. Interestingly only 29 percent of Republicans thought that Fox was credible versus 57 percent for informative. Those numbers imply that less than a third of Republicans actually believe what they hear on Fox news but more than half find the information useful.

For Democrats PBS News is considered the most credible at 42% followed by MSNBC at 30%. For being informative Democrats rank The Huffington Post up with PBS News at 63%. A larger minority of Democrats than for Republicans finds their top news sources credible and a majority thinks their top sources are informative.

Independents rank Breitbart at the top for being credible but only 22% think so. NBC News follows at 19%. On the informative side NBC News and Fox are tied at 47 percent. So, only a fifth of independents rank their top news source as credible. And they rank below those with party affiliations in that less than half of them think their top news source is informative. E-Poll notes that fake news is a subjective term and whom you see as fake and whom you see as informative and credible depends heavily on your preexisting views.

And As Regards Advertising?

Consumer Marketing quotes the E-Poll story and expands into which advertising sources are seen as fake and which are deemed reliable. They comment on how fake news is changing consumer behavior. Quoting a Marketing Sherpa study they list in descending order which types of advertising people trust.

  • Print Ads: 82%
  • TV Ads: 80%
  • Catalogs and Ads in the Mail: 76%
  • Radio Ads: 71%
  • Outdoor Ads, Billboards: 69%
  • Search engine ads, Google, etc.: 61%
  • Ads in Online Videos: 47%
  • Sponsored Ads in Blogs: 43%
  • Social media embedded ads: 43%
  • Online Banner ads: 39%
  • Mobile Phone Ads: 39%
  • Ads in podcasts: 37%
  • Online popup ads: 25%

It is a sign of our times that a higher percentage of people believe in any of these ad sources as being credible than independents view the news from Breitbart.

Only Buy Professionally Graded Gold Coins

An article on the internet caught our eye. It was a warning from Texas authorities regarding scammers selling gold coins. Many are concerned about the economy, their financial future and if they will have enough put away for retirement. An attractive option for some of these folks is to buy gold bullion or collectable gold coins. The argument goes that when the dollar no longer has any value you will still have your gold. You may want to buy gold and especially gold coins as hedge against inflation and economic uncertainty. If that is the case here are a few suggestions starting with this one. Only buy professionally graded gold coins.

The Value of Gold Coins

The rationale for buying gold coins is that they tend to up in value faster that gold bullion because they are collectable items and well as gold. The United State Mint produces gold coins of guaranteed quality and purity. However, you cannot buy directly from the mint. If you are interested go to the US Mint gold coins web site and check out their gold bullion dealer locator. While currently produced US gold coins hold their value as well as gold they do not increase in value as much as truly collectable gold coins. The collectable gold coins are those that were in circulation when gold was legal tender prior to the Great Depression. These coins can be very valuable but their value depends on their state of preservation. These coins are graded from good (only 10% of the design remains) to mint state which is a perfect coin just as it comes out production. Mint state coins are graded with a score of 60 to 70. The value of a given coin goes up almost exponentially with its grade.

Tricks of the Trade

If you have old gold coins and are considering selling them, get them professionally graded first. The profit in buying and selling coins comes from low balling the grade when the dealer buys and then raising the grade when he sells. The same coin can be many times more expensive at a slightly higher grade. To get around this problem in the coin trade professional coin grading came into being. The oldest service is NGC, the Numismatic Guaranty Corporation. Their website discusses the coin grading scale, how to submit a coin and more.

NGC uses the internationally accepted Sheldon grading scale of 1 to 70, which was first used in the United States in the late 1940s. This scale was adopted by NGC when it began operations in 1987 and is considered to be the industry standard. Below are NGC’s grading standards for each numeric grade as well as major strike types and designations.

For example what is a perfect coin, a 70?

NGC defines a Mint State or Proof 70 coin as having no post-production imperfections at 5x magnification.

An example of how much price depends on grade can be seen on the NGC price guide for the St. Gaudens $20 gold double eagle.

The 1907 High Relief coin in this class was taken out of production when banks complained they did not stack well when counting. Thus there were fewer of these than the plain 1907 St. Gaudens. Here is a snapshot of the difference in price for these.

1907 St. Gaudens High Relief: (63) = $26,750 and (69) = $700,000

1907 St. Gaudens: (63) = $2,050 and (67) = $58,500

The point is to have any coins you own professionally graded before selling and only buy professionally graded coins so that you are buying and selling at the same and correct grade.

Why Do You Need Sunscreen?

An article in Consumer Reports explained how to get the best sun protection from various sunscreens. But why do you need sunscreen?

If you think all sunscreens touting high SPFs-like those with 50s on their labels, for example-are equally effective, here’s a surprise: Consumer Reports has found that those SPF numbers aren’t always a reliable measure of how much protection you’ll get. If you put too much faith in them, you could be putting your skin at risk.

SPF, which stands for sun protection factor, is a measure of how well a sunscreen guards against ultraviolet B (UVB) rays, the chief cause of sunburn and a contributor to skin cancer. Assuming you use it correctly, if you’d burn after 10 minutes in the sun, an SPF 30 protects for about 5 hours. But the intensity of UVB rays varies throughout the day and by location, and all sunscreens must be reapplied every 2 hours you’re in the sun.

The Consumer Reports article describes how they test for effectiveness and note that not all sunscreens with high SPF numbers are equal. And they note that typically you need to reapply the sunscreen every two hours while people on the average reapply every three and a half hours. There are also two types of ultraviolet (UV) light to be concerned about, UVA and UVB. The SPF number on the sunscreen bottle is how well the sunscreen protects against UVB. Nevertheless when they tested for how well various sunscreens blocked UVA it turned out to be about as well as they blocked UVB. So, you use sunscreen if you don’t want to get skin cancer. Right?

Tanning, DNA Damage and Skin Cancer

The web site SkinCancer.org discusses UVA and UVB ultraviolet light.

UV radiation is part of the electromagnetic (light) spectrum that reaches the earth from the sun. It has wavelengths shorter than visible light, making it invisible to the naked eye. These wavelengths are classified as UVA, UVB, or UVC.

UVC light is blocked by the ozone layer so it does not reach the earth.

Both UVA and UVB, however, penetrate the atmosphere and play an important role in conditions such as premature skin aging, eye damage (including cataracts), and skin cancers. They also suppress the immune system, reducing your ability to fight off these and other maladies.

UVA is the dominant tanning ray, and we now know that tanning, whether outdoors or in a salon, causes cumulative damage over time. A tan results from injury to the skin’s DNA; the skin darkens in an imperfect attempt to prevent further DNA damage. These imperfections, or mutations, can lead to skin cancer.

So when you are working on the attractive tan, you are really damaging your DNA. Using a proper sunscreen lets you spend time in the sun and avoid the harmful effects to too much UV light.

UV Light Is Not All Bad

One of the vitamins necessary for good health is vitamin D which helps your body absorb calcium which is necessary for strong bones. The Vitamin D Council explains how to get the Vitamin D your body needs and one of those ways is with sunlight.

The most natural way to get vitamin D is by exposing your bare skin to sunlight (ultraviolet B rays). This can happen very quickly, particularly in the summer. You don’t need to tan or burn your skin to get vitamin D. You only need to expose your skin for around half the time it takes for your skin to begin to burn. How much vitamin D is produced from sunlight depends on the time of day, where you live in the world and the color of your skin. The more skin you expose the more vitamin D is produced.

Why you need sunscreen is not to necessarily block all UV light from reaching your skin but to block UV rays in excess of what you need promote Vitamin D production and before the beginning of excessive skin damage.

Why Use a Dehumidifier?

Do you get deposits of hold and mildew in the corners of your basement or around you bathtub and sink? You probably have too much moisture in the air. This can be helped by using a dehumidifier. Why else use a dehumidifier? Allergy and Air offers 8 benefits of owning a dehumidifier.

If you commonly get allergies, you know that they can get rather miserable at times. When you live in a humid climate, there are many triggers for these things-dust mites, mold, mildew, and seasonal allergies. If you find that you are suffering a lot, a good dehumidifier can help–in more ways than one. Here are some benefits of a dehumidifier and how to choose the right one for you.

Here are the benefits they list.

  • Dehumidifiers reduce humidity levels, making your home less hospitable to allergens such as dust mites, mold, and mildew.
  • They are not disruptive to your daily life, and run quietly and efficiently in the background without most people even noticing.
  • Dehumidifiers help reduce odors that can accompany mold and mildew in your home—getting rid of that “musty” or “rotting” smell.
  • These devices help to reduce the possibility that you will develop mold on your clothing, furniture, and other linens (such as curtains or bed sheets).
  • Dehumidifiers reduce irritation to your skin and your respiratory system, allowing you to breathe easier and feel comfortable in your home.
  • A less humid environment in your home means clothing will dry faster, breads and cereals will remain fresh longer without getting stale, and you won’t find signs of rust or corrosion on things like computer equipment, electronics, and tools.
  • Running a dehumidifier helps reduce dust in your home, so you won’t have to clean as often.
  • A dehumidifier also lowers energy costs because it helps your air conditioner run more efficiently. When the air in your home is more humid, the A/C must do the function of cooling the air and removing moisture, which means it has to work harder. This also causes your A/C to wear out sooner, which means you will need to replace and repair it more often.

If you don’t have allergies how do you know that you could use a dehumidifier? If you see water stains on your ceiling or walls, note that your bathroom is always very humid, smell mildew, see black spots growing around the tub or shower or find that there is always condensation on your windows, these are all signs that your home is too humid and could benefit from a dehumidifier.

What Kind Do You Need?

The type of dehumidifier that you need is based on the size of the area you need to dehumidify and just how wet the area is. Air & Water offers their advice about how to choose the right dehumidifier.

The size of a dehumidifier is generally based on the amount of moisture extracted from the air in a 24 hour period. Typically, this capacity is measured in pints. Dehumidifiers with a higher capacity can remove moisture from a larger room in a shorter amount of time than units with a smaller capacity. The size of the room you need to dehumidify and the amount of moisture in the air generally will determine the size and capacity of the dehumidifier needed.

Here are the guidelines.

AHAM Dehumidifier Sizing Guidelines – Room Size vs. Current Humidity Conditions

Condition Without Dehumidification

500 Sq. Ft.

1,000 Sq. Ft.

1,500 Sq. Ft.

2,000 Sq. Ft.

2,500 Sq. Ft.

Moderately Damp with Musty Odors in Humid Weather

10 pints

14 pints

18 pints

22 pints

26 pints

Very Damp with Odors and Damp Spots on Walls and Floors

12 pints

17 pints

22 pints

27 pints

32 pints

Very Wet with Sweating Walls and/or Seepage

14 pints

20 pints

26 pints

32 pints

38 pints

Extremely Wet with Wet Floors and High-Load Conditions

16 pints

23 pints

30 pints

37 pints

44 pints

Is Cash Bail Unconstitutional?

If you have the misfortune to be in front of a judge for something like a minor traffic offense you had better have cash. Otherwise you might end up in jail which is what all too often happens to the poor. The New York Times writes about being locked up for being poor.

Maranda Lynn ODonnell, a 22-year-old single mother in Harris County, Tex., was arrested last year for driving without a valid license. The judge set her bail at $2,500. She couldn’t afford anything close to that, so she spent three days in jail – even though she posed no risk of skipping town or endangering anyone if she were released.

“In our society,” the Supreme Court has held, “liberty is the norm, and detention prior to trial or without trial is the carefully limited exception.” Yet across America, poor people like Ms. ODonnell are held in jail for days, weeks or even months solely because they don’t have the cash to bail themselves out. All of them are presumed innocent under the law, and many may in fact be innocent, yet most plead guilty just to get out (usually with a sentence of time served). It’s a repulsive practice, and last week, in a case that could have national implications for bail reform, a Federal District Court judge in Houston ruled that it was also unconstitutional.

Harris County’s lawyers contended that the poor chose to stay in jail because they wanted to be there, an argument similar saying that people actually enjoyed slavery. The Times notes that the bail bond business is lucrative, backed by politically influential insurance companies, and results in an increasing number of people being locked while they await trial. The judge in the case noted that just two decades ago less than a third of the people in Texas jails were there awaiting trial and now it is 75%. The cost of incarceration is borne by the state, the effects on the incarcerated and their families are devastating and the bail bond system profits.

How Long Before a Problem Gets Fixed?

We wrote years ago about the Wells Fargo mortgage fraud case and more recently we saw the banking giant take a hit over forcing employees to create unwanted accounts for clients. All too often it takes public exposure and even legal action to get those responsible to do the right thing. That seems to be the case here where a profitable and corrupt system allows those running the scheme to make money while others suffer and society pays the bill. The Texas court ruling puts a temporary hold on the policy of charging bail that poor people cannot pay and then locking them up. The judge found the system to disproportionately affect indigents and in violation of the constitution and equal protection under the law. Because it is a temporary order the ruling must make its way through appeals and could end up at the Supreme Court.

What Can You Do about Your Student Loans?

Student loans lead the list of complaints filed last year with the Consumer Financial Protection Bureau according to Market Watch. This category of complaints spiked 325%.

Over the past year, complaints about student loans filed with the Consumer Financial Protection Bureau (CFPB) increased by 325%, according to a report released Tuesday by the Washington, D.C.-based government agency. That’s the largest yearly increase in complaints of any consumer product tracked by the agency.

The uptick in student loan complaints over the past year likely reflects the consumer watchdog’s efforts to make it easier for borrowers to complain about federal student loan servicing. But another factor contributing to the rise in student loan complaints, according the CFPB, was a recent lawsuit filed by the bureau against the nation’s largest student loan servicer, Navient.

Navient is accused of not working in student loan borrowers’ best interests and making it harder for them to pay off their loans. If you are one of the folks struggling under a load of debt what can you do about your student loans?

Dealing with Student Loan Debt

Last year we asked if student loans are killing you.

The sum total of student loans outstanding is more than $1 Trillion. Are student loans killing you like they are so many of your fellow graduates? Consumer Affairs writes about new help for those struggling with student loan debt.

Student loan debt is now more than credit card debt and growing faster. Five million with student loans are in default and more than seven million are at least 90 days behind in payments. Are there ways to avoid the problem of excessive student loan debt and what can you do if you are overwhelmed?

If you are just getting started with your education make sure to look for federal loans as opposed to bank loans because the rates are better. Talk to the financial services office at your college or university to see if there are available scholarships which you would not need to pay back. And consider the cost of the school you want to attend versus the benefits. An Ivy League degree may be impressive but will it gain you enough income to make up for the difference in cost versus a state university?

Forgiveness and Consolidation of Student Debt

The U.S. Department of Education offers forgiveness, cancellation or discharge of student loans in some cases. Check it out.

In certain situations, you can have your federal student loan forgiven, canceled, or discharged.

Find out whether you qualify due to your job, disability, the closure of your school, or other circumstances.

Go to this site and see what they offer in regard to cancellation, discharge, the FFEL Program, direct loans, lenders, loan services, Perkins Loans, default, subsidized loans and unsubsidized loans. And if you have a bank loan or loans you can deal directly with the lender and negotiate consolidation as the lender would rather get some of their money back instead of none.

How Safe Are Self-Driving Cars?

Self-driving cars may be in our future. Do you want one? Do you really want someone or something else in control as you roll down the highway? How safe are self-driving cars? On our sister site, ConsumerResearchDept.com, we asked could someone hack your car and found out that they could.

Last year Fortune notified us that our cars are not safe from hackers.

Two computer hackers have spent the past year cracking the digital defenses of Internet-connected vehicles. And what they’ve discovered is disturbing.

Charlie Miller, a security engineer at Twitter and Chris Valasek, director of vehicle safety research at the cybersecurity firm IOActive, can take over certain vulnerable automobiles with ease. The pair recently demonstrated their abilities on a Jeep Cherokee, remotely hacking into the highway-cruising vehicle from miles away.

“Their code is an automaker’s nightmare,” wrote Wired reporter Andy Greenberg, who intrepidly volunteered to serve as a crash test dummy for the hacker duo. “Software that lets hackers send commands through the Jeep’s entertainment system to its dashboard functions, steering, brakes, and transmission, all from a laptop that may be across the country.”

Fortune estimated that as many as 471,000 vehicles are vulnerable to hacking.

If you are at the wheel of your car and a hacker can take over, are you any safer in a self-driving car? What does the future hold for us?

One in Four Cars Will Be Self-Driving

The International Business Times asks are self-driving cars safe?

Self-driving might currently be in testing stage, but the technology is expected to become mainstream soon. A new study by the Boston Consulting Group, published Monday, says that 25 percent of the U.S. market will belong to self-driven cars by 2035.

“After a comprehensive analysis of the findings of the study, BCG expects that partially autonomous vehicles will hit the road in large numbers by 2017, with the biggest growth coming in the next two decades. Mass adoption of self-driving technology will result in tremendous economic and societal benefits, and with it, far-reaching implications for automotive companies and other players in the value chain,” the study states.

In 2015 a Tesla Model S self-driving car crashed and the driver was killed and more recently a self-driving car used by Uber rolled over. Radar mapping systems are being developed as well. How safe are self-driving cars today? They are not safe enough to go mainstream but will be soon.

Whose Fault Is It?

Trial lawyers will be enthusiastic about self-driving car accidents because case law will need to be developed to determine who or what is at fault when you and your self-driving car are in an accident. Since Apple now has permission to test drive three self-driving Lexus Hybrids will you end up buying iCars at the Apple store and will they be the ones to defend a law suit when their software makes a mistake or is hacked by an angry rival? How safe are self-driving cars? Time will tell.

How Can You Deal with Excessive Credit Card Debt?

As consumer confidence rises so does credit card debt. If you guess right and borrow before inflation takes hold consumer confidence is warranted. When you guess wrong you just end up more in debt. On our sister site ConsumerResearchDept.com we considered the issue.

People are spending their money in the belief that good economic times are just ahead. The consumer confidence rating from the University of Michigan came in at 98.5 on the scale used and is higher than predicted and higher than last month. According to Business Insider consumer confidence is at its highest in a dozen years!

Folks are thinking at Trump will stimulate the economy and that inflation will begin. Thus they are buying homes and cars now before prices rise. The trouble with this way of thinking is that political promises don’t always come true and inflation may not happen. Thus the issue will be how you can deal with excessive credit card debt, housing debt and that car you are making payments on. Consumer Affairs notes new concerns about growing consumer debt.

Consumers are turning to their credit cards once again, and the National Foundation for Credit Counseling (NFCC) warns that isn’t a good thing.

The organization cites the 2017 Financial Literacy Survey that found consumers generally have more credit card debt, less in retirement savings, and more concern about their long-term financial stability.

Thirty-nine percent of credit card users carry a balance over from one month to the next. Twenty percent of consumers admit to a balance of $2,500 or more. As the Federal Reserve raises interest rates the pain of carrying that balance will get worse. The worst debt is your credit card because of the high interest rate.

How Can You Deal with Excessive Credit Card Debt?

When you have too many cards and excessive debt on each one the first best step is to consolidate your credit card debt.

If you are deeply in debt due to over use of your credit cards you do not need to apply for bankruptcy as a first step. Rather seek credit card debt consolidation help. When you consolidate your debts you take out a single loan to pay off all others. In the process you typically get a lower interest rate and often times get a reduction in your total debt before starting to pay off the new loan. You can get credit card debt consolidation help from a number of agencies who will arrange debt consolidation for you. You will then owe the single agency and make payments to them. The agency will then pay off your various creditors and make a profit in the process. You will typically get a reduced and fixed interest rate in the process and will be able to rebuild your credit by making steady payments in return for credit card debt consolidation help. There are various ways to secure credit card debt consolidation help and each has its own details.

if you consolidate your debts it may not be possible to obtain relief in bankruptcy court. So, if your situation is as dire as to necessitate bankruptcy you may simply wish to go that route and not first seek credit card debt consolidation help. A good way to approach this is to sit down with paper and pencil and sum up what you are paying on various credit cards and then determine what you would be paying if you had all debt consolidated and were paying a substantially lower interest rate. If the difference is significant and your new situation will be manageable you probably want to seek credit card debt consolidation help.


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