Consildating

If that’s the case, putting your house on the line may be too risky of an option for you.Balance Transfer You might have seen offers for “0% interest” credit card balance transfers.That can lead to a domino effect where you miss payments, your interest rates get raised, and then you can’t stay above water.

Here’s how it’s supposed to work: you initiate the balance transfer and pay a immediate transfer fee – usually between 2% and 5% of your total balance.

While home equity loans usually have fixed terms, meaning the amount of the loan, the interest rate, and the timetable for paying back the loan are all fixed, HELOCs on the other hand allow you to apply for a credit limit that you can draw upon at your convenience – but with no guarantee that your interest rates will stay the same.

While a home equity loan or HELOC can usually provide a lower interest rates than other loan types, there’s a catch.

However, you must be cautious when dealing with debt consolidation companies.

Once you have agreed to the debt consolidation plan, you can’t go back, so it’s important to understand the potential consequences first.

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