Consolidating debt without collateral

They can tell you if any consumer complaints are on file about the firm you're considering doing business with.

Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.

If you and your lender can’t work out a plan, contact a housing counseling agency.

Some agencies limit their counseling services to homeowners with FHA mortgages, but many offer free help to any homeowner who’s having trouble making mortgage payments.

Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. Your financial situation doesn’t have to go from bad to worse.

If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. It depends on your level of debt, your level of discipline, and your prospects for the future.

You can find information about budgeting and money management techniques online, at your public library, and in bookstores.

Computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.

Tell them why it’s difficult for you, and try to work out a modified payment plan that reduces your payments to a more manageable level.If you’re thinking about getting help to stabilize your financial situation, do some homework first.Find out what services a business provides, how much it costs, and how long it may take to get the results they promised. Get everything in writing, and read your contracts carefully.Federal law dictates how and when a debt collector may contact you: not before 8 a.m., after 9 p.m., or while you’re at work if the collector knows that your employer doesn’t approve of the calls.Collectors may not harass you, lie, or use unfair practices when they try to collect a debt.

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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.

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