When debt becomes overwhelming, it can feel like you are in a hopeless situation. But there is plenty of help available for you to settle credit card debt.
Debt settlement help comes in a lot of different forms. To narrow down which is the right one for you, start at LoanexFastCash.com and click on Debt Settlement to learn more. You can also fill out a short form to get the process of settling your credit card debt started.
Pennies on the Dollar
We’ve all heard of people who had the balances on their credit cards erased with professional help. But is it true?
No, say officials with the Federal Trade Commission (FTC), the nation’s consumer protection agency.
But professionals can help you settle some of your debt. In fact, you could even settle your credit card debt yourself, but it’s often easier to let a professional take over as the emotional toll of being in debt can hinder your negotiating abilities.
What the professional debt settlement services do is negotiate with each of your creditors to reduce the amount you owe. These debt settlement companies also can negotiate lower interest rates on your credit cards.
The problem is that some disreputable companies make promises they don’t keep. These shady companies tell you to send your monthly payments to them, then they will negotiate with the credit card companies and make the payments for you. Unfortunately, too many people in dire financial straits find themselves scammed out of their last assets and ruining their credit even more when the companies did not make the payments as promised.
So How Do You Find a Reputable Company?

Do Your Researches
Start at LoanexFastCash.com, but also check other sources to ensure that the company you are thinking of working with to settle your debts is reputable. An easy way to do that is to enter the company name along with the word “complaints” in an Internet search engine. Read what others have said about the company before giving them your trust.
Ask people you trust if they know of a reputable debt settlement company.
There also is a list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program, which supervises bankruptcy cases.
Red Flags

The company charges any fees before it settles your debts;
Promotes a “new government program” to bail out personal credit card debt;
Tells you to stop communicating with your creditors;
Tells you it can stop all debt collection calls and lawsuits; and
Guarantees that your unsecured debts can be paid off for just pennies on the dollar.

Avoid doing business with any debt settlement company if you see any of these warning signs.
Making it Work
There is plenty of debt settlement help available that is trustworthy. Once you’ve done your homework, such as searching at LoanexFastCash, you can make an informed decision on who best to approach for professional help to settle your credit card debt.
Some positive things to looking for:

See if the professional debt settlement service is a member of the American Fair Credit Council, which is the leading debt settlement industry trade group. The council

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Yes, zero percent and low interest car loans are for real, but unfortunately, they remain beyond the reach of most car buyers because of the many conditions attached to these loans.
The most important thing to do when researching a zero percent or low interest loan is to read the fine print, which is where all the conditions for these loans will be revealed
For example, only those car buyers with the very best credit ratings will qualify for zero percent and low interest car loans from an auto finance company. Some experts estimate that only buyers with a credit score topping 700 will qualify for a zero percent or low interest car loan.
But even if you have a sterling credit record, you then have to choose a vehicle that is part of the zero percent interest programs. Often auto manufacturers and dealers reserve these special financing programs for certain models. That can be a problem because your dream car may not be eligible for the zero percent or low interest loan.
Another issue to consider is that people who do find a car that is eligible for a zero percent or low interest loan often don’t negotiate on the price, meaning that they pay more for the car. Remember, a zero percent loan often equates to a $2,000 to $3,000 savings, a small percentage of the total cost of a car that costs over $20,000.
Another thing to remember when considering zero percent or low interest loans are that they often for only the first year or two of the loan. With other loans, the interest is merely deferred for the first year, then added in for the remaining years of the loan. All this will be spelled out in the fine print, so be sure to read everything in the auto finance company contract before signing.
Zero percent and low interest loans also have shorter terms — you won’t find a 72-month zero percent or low interest loan. A shorter term means a larger monthly payment, so be sure that that car payment fits into your monthly budget.
To qualify for a zero percent or low interest loan, you may be required to make a larger down payment than with other deals. That’s fine if you have the cash on hand.
When choosing a car, buyers are often attracted by rebates as well as zero percent or low interest financing. But in most cases, you can either have the rebate or the zero percent financing — you can’t have both. It makes sense to run the numbers with the representative from the auto finance company to see which the best choice for you to make is: Taking a rebate or taking the zero percent loan.
As you can see, zero percent or low interest loans are available, but it’s critical that you do your homework before making this deal.

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Adjustable rate mortgages or ARM’s have been around since the early 80’s and until the recent economic meltdown and the tsunami of foreclosures it generated were a product that allowed some people who otherwise might not have been able to afford a home to realize the “American Dream” of home ownership. Unfortunately, for too many the “Dream” became a nightmare as un-employment rose, wages stagnated and property values plummeted. Through the entire finger pointing, it soon became apparent there was plenty of blame to go around. Unscrupulous lenders, overly optimistic buyers who were going to be able to handle the adjustments to their Adjustable Rate Mortgage with wage increases that didn’t come and so on.
The problem wasn’t the product however, despite the fact that ARM’s in some circles have all the attractiveness as a skunk at a lawn party. An adjustable rate mortgage put to sensible use can still do what it was intended to do, allow people to buy the house that they want rather than settling for what their present situation allows. For example, if you were interested in a starter home that you did not intend to stay in for more than 5 years an ARM which made its first adjustment at that time might just provide a low enough interest rate to make the payments affordable. Look at ARM rates and you will see what I mean. They are often a full percentage point lower than a fixed rate mortgage and provided you negotiate the terms correctly can give you a real advantage. At LoanexFastCash.com we can give you access to the lenders with the expertise to show you how an ARM can work for you.
The devil, as the saying goes, is in the details. The terms of an Adjustable Rate Mortgage, the frequency and the number of times that it may be adjusted are some of the reasons that so many people who had ARM’s found themselves in the position of having their payments take huge increases just as they began to struggle with diminishing employment, wage cuts, and rising costs. If you use the adjustable rate mortgage in a carefully thought out plan it can leverage you into a more appealing home than you otherwise might have been able to afford.

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Who isn’t looking to save some extra money this year? One way you can do that is by refinancing your automobile loan. Besides what you pay for your home, whether it’s a mortgage payment or rent your car payment is probably one of your biggest monthly expenses. Wouldn’t it be great if you could make that payment smaller, enabling you to bank the difference and build up your savings account?
An auto loan refinance can save you hundreds of dollars a year and all it takes for you to reap that additional money is some time and effort.
How to Refinance A Car
Your first move should be research. You can start that at LoanexFastCash, the online financial superstore that built its reputation on automobile financing. In just a few minutes, you can fill out an application and get quotes on auto loan refinancing from lenders across the country.
As part of your research, look at each automobile loan refinance offer to assess what interest rate they are quoting, how much they are willing to lend you, what your monthly payment will be, and whether any fees will be assessed to complete the loan. Be warned that paying additional fees or up-front costs will take away any savings you may see in the interest rate. Also be aware that even the best interest rate is bad for you if the other terms of the loan, such as length of the loan or monthly payment could cause you hardship. Don’t trade one negative for another.
Once you decide on a loan, the process should be quite simple. You’ll fill out the paperwork and it should take just a few days to complete the deal.
Make it easy for the auto refinance company by having everything that will be needed on hand, including proof of income, such as pay stubs or tax returns; proof of insurance; and proof of your identity, such as a driver’s license or passport. The new lender also will need to know the car’s Vehicle Identification Number, known as the VIN number, which you can find on the initial loan paperwork or on the dashboard of your vehicle. Mark down the mileage as well, as the lender may ask for that.
One potential bonus when refinancing used car loans is that you might be able to skip a car payment when the new loan pays off the old loan. That’s an entire car payment that can go right into your savings account!
Make a Plan For Your Savings
One other thing you need to be clear on is where the money you are saving is going. Do you plan to deposit the difference between the new loan and the old loan into your savings account? Will you designate it to pay off bills?
If you do not have a plan for the money that you save, you will find yourself at the end of the year with little to show for your attempts to save.
But before you can worry about what you will do with your savings, you need

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One of the first questions you must answer when looking for a vehicle is “should I get a new car or a used car?” In deciding the answer to that question, you will want to consider the differences between new car loans vs. used car loans.
A good place to start determining which way to go is LoanexFastCash, which is chock full of information about every aspect of financing your new vehicle. It also will help you connect with lenders across the country who wants to compete for your business.
But before you get caught up in the excitement of buying a car, take a moment to learn the differences between new car loans vs. used car loans.
New Car Loans
As you begin the process of figuring out how you are going to finance your new vehicle, you must first decide how much you can afford to spend and how much you will need to finance. Many financial institutions and websites, such as Edmunds.com, have calculators that can help you determine what you can afford.
You also can fill out an application at LoanexFastCash and get quotes from many different lenders in a matter of hours, which should help narrow down how much you can finance.
There are several advantages to new car loans vs. used car loans. You can borrow more money for a new car than a used car. New cars are often eligible for special interest rates, either from the dealer or the automobile manufacturer.
When buying a new car, you also may be eligible for a rebate of thousands of dollars, which can be used to decrease the amount you owe on the car even before you drive it off the lot — or you can get the cash from the rebate and put it right into your pocket.

Used Car Loans
Getting a used car loan is a bit more complicated than getting a new car loan. One reason is because it is often difficult to determine the value of a used car. On top of that, you must consider how much the used car has depreciated in value.
Because of this, lenders worry that the car, which serves as collateral for the loan, will not be worth enough to cover the remaining loan amount if you don’t make your car payments and the lender has to repossess the vehicle.
To get a used car loan, your lender often will want the approval of car you choose, sometimes setting certain requirements, such as only making loans on cars of a certain age or mileage.
The interest rate for a used car loan is also going to be a bit higher than the rate on a new car loan. That difference isn’t so much in today’s market, when interest rates are at an all-time low, but it is something to consider when deciding between new car loans vs. a used car loans.
Another thing to consider: The length of a used car loan is often shorter than a new car loan, which means your monthly payment could

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It happens before you know it — one day you realize you are drowning in debt. In fact, the average American family has close to $15,000 in credit card debt alone — and that doesn’t include mortgage debt or car loans.
Digging out from under all that debt can feel like an impossible task. But it is possible and, what’s better, you can get free debt consolidation help.
There are many avenues to create a debt consolidation plan. A first step you can take is at LoanexFastCash.com, where you can fill out a simple form and the online site will connect you with a plethora of debt relief services, from non-profit agencies to Christian-based programs. Many of these programs offer their services for free.
On Your Own

If you’d like to try to dig out of debt on your own, there are many websites dedicated to just that on the Internet. These sites will tally up what you owe and help you create a free debt consolidation plan that takes into account your goals, priorities, financial situation, and any special circumstances you may have, such as medical debt. Unfortunately, medical debt is a leading cause of bankruptcies, adding financial strain to an already difficult time.
The best way to find one of these free services is to type Free Debt Consolidation Help into your search engine and spend some time researching each offering.
Borrow From Yourself
If you have money in a retirement account, such as a 401(k) account, you can borrow from that to pay off your debt. You will have to pay back the money, of course, but the interest rates on these kinds of loans are often much lower than on credit card debt and you are paying that interest back to your own account.
There is risk to borrowing from your 401(k). If you default on the loan, you will have to pay a 10% penalty and incomes taxes on the amount you borrowed. That’s because 401(k) accounts are funded by pre-tax dollars. The money is put into your account before income taxes are assessed on your paycheck, lessening your tax burden while building up your retirement savings.
If you have a whole life insurance policy with equity, you may be able to borrow against that or cash it in to pay off your credit card debt.
Free debt consolidation help
If doing it on your own seems like an impossible task, go to LoanexFastCash.com to find free debt consolidation help. Many of these services offer free advice and debt counseling.
Some services even can talk to your creditors for you, setting up repayment plans that work within your budget.
Many of these services will actually make your payments for you. You send the non-profit group a check each month and the service will pay off your debt according to an agreed-upon debt consolidation plan. Some will charge a small fee for this service, but it may be worth it to you to not have the hassles of dealing with the payments or creditors each month.
You can find out

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The FHA streamline program isn’t new, but for an FHA mortgagee it’s an easy way to gain access to the historically low rates currently available. If you currently have an FHA Streamline Refinance Program and are in good standing (not in default) then the streamline may be the program for you. Here are some of the details:

Refinancing of FHA insured mortgages only
The mortgage should not be in default
The refinance should result in lowering the borrowers P&I payments, or under certain circumstances, conversion of an ARM to a fixed rate
No cash may be taken out using this streamline refinance process

There are several ways in which a lender can work this for the mortgagee, they can charge all closing fees upfront and offer the market rate, they can do a low cost or no cost refinance, by charging a higher interest rate and recouping the costs for the refinance through the higher rate.
The programs vary by lender as each of them may have different requirements to obtain the streamline refinance, since the borrower currently has a mortgage with the lender much of the paperwork from the original loan may be used streamlining the process. In certain cases a new appraisal may be required along with certain other documentation. If you are considering an FHA Streamline Refinance program, a Home Affordable Refinance Program or just looking to refinance at today’s historically low rates, the LoanexFastCash.com is your source for access to lenders and mortgage refinance help. Whether you are interested in a government backed program or just a conventional refinance, we have the help you need from experts you can trust.

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It’s a well-known fact: The minute you drive your new car off the dealership lot, its value plummets. That’s because it’s not a “new car” any longer.
The hit on the depreciation is highest in the first few years of ownership. That’s why many financial experts recommend refinancing car loans during that time frame to counter the effects of depreciation.
Refinancing car loans can often get you a lower interest rate and a lower monthly payment. This is especially true for those car owners who had bad credit when they first financed their vehicle. Hopefully, during the time you’ve had the car, you’ve made the payments on time and your credit score has improved, setting you up for more attractive refinancing terms.
But even if you still need bad credit auto finance, you can find help at LoanexFastCash.com, the financial superstore that specializes in connecting borrowers with lenders.
What you need to know?
If you are interested in refinancing your car loan, one of the first things you need to do is determine the value of your car today. Some cars depreciate faster than others, so it makes sense before refinancing your car loan to find out the blue book value.
That’s why experts advise refinancing in the first year or two of your loan when the car depreciates the most. Some even suggest refinancing before the next year’s models come out to get the best deals.
Time to Shop
Once the value is determined, you can start shopping for a new loan. Start at LoanexFastCash.com to get quotes from a multitude of lenders, realizing that your goal is to get the lowest interest rate possible. Dropping your interest rate by even 2% will save hundreds of dollars over the life of the loan.
However, beware of hidden conditions in your old loan. Some original loans require special fees if they are paid off early — which is essentially what you are doing by refinancing your car loan. Those fees could negate the benefits of refinancing your car loan.
The Basics
When refinancing car loans, you will be faced with the same requirements you faced when getting the original loan. The new lender will look at your credit score including your history of payments on the car loan as well as your employment history and other important financial considerations, such as where you live and how you are handling your other finances. To get the best deal when refinancing car loans, present a picture of stability in your job, housing and finances.
But what if you had a bad year? With the economy continuing to lag, many people are finding themselves unemployed or in a new job after losing their original job. A period of unemployment also may have damaged your credit score. This may lead you to search out bad credit auto finance, but don’t despair.
LoanexFastCash.com can help you find a lender who specializes in bad credit auto finance to refinance your original car loan.

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As the economy continues to falter, many people are finding it harder and harder to keep up with their bills. As they fall behind on their payments, they damage their credit ratings, creating even more financial turmoil in their lives.
There are some estimates that almost half of all consumers have credit scores that are below 600, which puts them in the “sub-prime” category. Those consumers then face higher interest rates when they apply for loans, as their falling credit scores worry potential lenders.
But even if you have damaged credit, you can still qualify for an auto loan, known in the industry as a bad credit car loan or auto loans for low credit borrowers.
Actually a car loan is one of the best places to repair your credit score. That’s because there are lots of lenders who specialize in bad credit car loans and auto loans for low credit borrowers. Why? Because it’s a profitable market — the interest rates on these loans are higher — and the loans are backed by collateral: The car you are buying. The lender knows that if circumstances change and you can’t make your car payment, they can repossess the car and sell it to someone else to get their money back.
When looking for a bad credit car loan or auto loan for low credit borrowers, a great place to start is LoanexFastCash.com. There you can find what you need to know, as well as get quotes from lenders around the country who want to do business with you.
How To Qualify for a Bad Credit Auto Loan
There are some basic requirements lenders are looking for:

You must be at least 18 years of age;
You must have an income of at least $1,500 a month;
You must have a steady job and be able to produce several months of pay stubs;
You must have rent receipts or a utility bill in your name; and
You must be able to get automobile insurance;

Make your case

When you begin the process of apply for a bad credit or an auto loan for low credit borrowers, make it easy for the lender to say yes. A few tips:
Pull your credit report so you can see what the potential lender will see. Add notes to the credit report explaining what happened to damage your credit score.
Collect documents that prove you have a stable employment history — a note from your current employer can go a long way to helping your efforts.
Get several months worth of bank statements to show that you are managing your money much better these days.
Have at the ready all the things the lender is going to want to see, including your driver’s license, proof of insurance, Social Security number, proof of residence (your rental agreement or mortgage), current utility bills, and bank information.

By being prepared, you can smooth the way to getting a bad credit car loan or auto loan for low credit borrowers. You can also smooth the way by going to LoanexFastCash and letting the power of the Internet

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Since the introduction of the Making Home Affordable Program in 2009, the government has had to make modifications of the program as fewer applicants have availed themselves of the program than was anticipated. Home Affordable Refinance Program HARP 2.0 is the latest effort to increase buy-in and make the program available to mor struggling homeowners.
Along with an extension of the program’s length, it now closes in December of 2013 rather than 2012, there are several other major changes. The most important to many “underwater” homeowners is the removal of the upper limit on the Loan to Value ratio, a number which stifled many homeowners in some of the country’s hardest hit real estate markets. Whereas the previous program’s limit was 125% LTV, HARP 2.0 removes that upper limit though the lower limit of 80% still remains. The requirement that the mortgage be secured through Fannie and Freddie is still in place and the timeline is the same regarding when they had to acquire the mortgage.
Another significant difference is that some of the fees and requirements for a refinance have been modified or in some cases waived all together.  In many cases, an appraisal required previously is no longer necessary. As the government strives to make this program more user-friendly and increase participation it’s wise to return to the government website periodically to see what the latest new is regarding the various programs. Make sure that you read the government’s scam alerts as every new program seems to spawn a new group of individuals trying to prey upon people in need of help.
HARP 2.0’s Spring announcement also included new funds and modifications that specifically affect veterans. A government settlement regarding the “robo-signing” scandal which foreclosed upon active duty personnel illegally has resulted in additional funds being allocated to programs that benefit both active duty personnel, retirees and their widows in some cases. The programs that are specifically designed for active duty personnel are to be found on the U.S. Army Corps of Engineer’s site, which administers these programs. Veterans can access information about their VA loans on the Veterans Administration website.
If all this information leaves you confused, help is available at LoanexFastCash.com. The mortgage experts you can find right here can help you assemble the necessary paperwork and prevent glitches as you work your way through the various programs available. Consider applying today to get the help you need to secure you and your family’s home and future.

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