Debt Consolidation Loan
Credit Counseling Programs
By Elizabeth Morgan
If you're in economic trouble, you definitely need as many alternatives as possible. Most of the time, you have to cooperate with agencies that will provide you with the weapons needed in order to fight against debts. Whatever the case may be, credit counseling agencies usually have a program that fits the specific needs of the situation. The two most common credit counseling programs are listed below.
Debt management programs include confidential budget counseling for every situation. Additionally, the counseling agency and the client make special arrangements in order to start the procedure of clearing the debts that the client has. The agency does special negotiations with the lender, and the person in debt is provided with lower monthly payment fees. Furthermore, counselors provide those who seek advice with guidelines and tools in order to avoid future economic trouble.
Money management programs are designed to help the client enhance his money-management skills. This is mostly achieved through educational courses that are divided into smaller parts. Typical examples are "Understanding the value of money," "Understanding debt," and "Understanding credit." Through educational courses, clients can improve their financial situations and master the skill of money management. They can be more sophisticated about their future moves, and they are less likely to fall into traps in the future.
All in all, credit counseling programs are designed to help those who for some reason are facing financial trouble. The most common reason why people might want to visit such agencies is when they are having problems with debts that they cannot encounter directly. If you ever happen to be in such a situation, do not hesitate to consider this alternative; after all, they are there to help you.
Credit Counseling [http://www.WetPluto.com/Credit-Card-Counseling.html] provides detailed information on Credit Counseling, Consumer Credit Counseling, Credit Counseling Services, Free Credit Counseling and more. Credit Counseling is affiliated with Credit Card Debt Management [http://www.WetPluto.com/Credit-Debt-Management-Counseling.html].
Article Source: http://EzineArticles.com/expert/Elizabeth_Morgan/44833
http://EzineArticles.com/?Credit-Counseling-Programs&id=254156
Credit Counseling Programs - Do I Need to Employ Professional Help For My Debt?
By Mason Lewis
Several firms are there that provide you with the credit counseling programs to eliminate your liability burden. But it is cannot be ensured that each of these credit counseling programs will be appropriate for you. Various financial circumstances need various methods to solve out the trouble. It is always necessary to choose the credit counseling programs according to the trouble you are facing to get the finest result. It is necessary to find out the appropriate program suitable to the trouble and making use of the search engines can be the best way to find out these programs. You can go through the forums online or take help of the relief networks to find out a solution for your trouble. You can get several individuals' personal experience in these forums that will assist you in knowing the counseling procedure well. It is always necessary to prepare well whenever you desire to eradicate debt efficiently.
Several counseling programs for free are available for your assistance besides the availability of paid programs. But you require making sure of the legitimacy of these programs whether you are availing free counseling or paid ones as risk of enhancement of troubles are involved if you catch up with some fraud firms. This can enhance the liability burden along with the future troubles. Debt management firms consolidation firms or settlement firms whatever you are choosing can be fruitful if chosen according to financial conditions. Again you can take the advantage of the opportunity of availing free counseling sessions provided by several firms initially prior you finalize them.
The best way among the several available methods to eradicate credit burden is the settlement process. You can easily take the help of a settlement firm and settle down the credit. This will keep your credit score intact. This procedure involves negotiations with credit providers to reduce the outstanding liability. You can do the negotiation yourself as well if you possess good amount of knowledge about the procedure or else it will be better to take the professional help for negotiating with lenders. If you are not confident and aware of the procedure of settlement well, you cannot make the negotiation successful. In these circumstances nothing can be better substitute than the professional help to make out a great settlement and eradicating a good percentage of liability.
Debt settlement companies are widely available in just about every state however some are just flat out more experienced than others in debt negotiation. That's why it's so important for consumers to use debt relief networks. These networks qualify and only accept the best performing debt settlement companies. To find a legitimate debt settlement company in your state check out the following link:
Free Debt Advice [http://www.freedebtsettlementadvice.com].
Article Source: http://EzineArticles.com/expert/Mason_Lewis/524245
http://EzineArticles.com/?Credit-Counseling-Programs---Do-I-Need-to-Employ-Professional-Help-For-My-Debt?&id=4702137
Student Loan Consolidation: Knowing Your Student Loan Rights Part 1
By Laura J Solomon
Did you know your Student Loan Rights are different than the rights you have with private loans? Whether or not you choose student loan consolidation, you should know your loan rights.
1. You have the right to counseling when it comes to your loans.
Student loans are serious. With the large amount of information that comes along with borrowing for school, the government wants to make sure you understand (completely!) what you are getting into as far as loan terms and conditions. With that being said, students who apply for and take out federal loans are required to complete entrance and exit counseling before they sign for their loan, as well as when they complete school and are ready to start making payments.
2. You have the right to contact the company servicing your loan.
The Department of Education contracts your loan servicers to handle billing and be there to answer all of your questions. The servicer sends out all kinds of paperwork explaining the terms of your loans. In fact, your Master Promissory Note includes all of your rights and responsibilities. But that doesn't mean you understand everything. That's one reason you have to take the entrance and exit counseling. Even so, you have the right to contact your servicer anytime to ask questions or clear up any confusion you may have during the duration of your loan. The same goes for getting student loan relief via a loan consolidation company.
3. You have the right to consolidate your student loans.
If you hold more than one federal loan, you can utilize consolidation programs to put all of your loans into one loan therefore having only one payment to make every month. Consolidation offers people a way to lower their payment and eliminate the hassle of paying multiple lenders.
4. You have the right to loan forgiveness if you are eligible.
Did you know that individuals teaching elementary or secondary school for 5 consecutive years in an institution serving low-income families are eligible for the Public Service Loan Forgiveness Program? So are certain types of volunteer work, public service, military service or medical practice.
5. You have the right to may payments based on what you earn.
When you have federal student loans, you have options for repayments plans. With the "pay as you earn" plan you are able to pay 10% of your income based on the size of your family and your total income. With the "income-based repayment plan" your payments are based on 15% of your discretionary income. With the "income contingent repayment plan" your payments are 20% of your monthly discretionary income if you are considered a low income earner. Under any of these plans, if the borrower hasn't paid their balance off by the end of their loan term (usually 20-25 years) their remaining balance is forgiven.
National Student Loan Relief helps individuals gain financial relief from their Federal Student Loans. Contact us at 1-800-680-8533 or go to http://www.nslrelief.com for more information.
Article Source: http://EzineArticles.com/expert/Laura_J_Solomon/1474944
http://EzineArticles.com/?Student-Loan-Consolidation:-Knowing-Your-Student-Loan-Rights-Part-1&id=7835008
Debt Consolidation Loan - Debt Relief For Your Financial Needs
By Bryan Burbank
If you have got yourself into debt then you need to know that you can use some solutions to get our of debt and pay off your bills. You may have found that your money does not buy what it used to and this is causing you to use your credit cards more than you used to. It will eventually catch up to you if you do not have enough money to pay for the monthly payments. Using a debt consolidation loan can give you a answer to the question you are asking, "How Do I Pay My Bills"?
A Consolidation Loan gives you a lot of options when you are trying to pay off your credit cards. One of the hardest things to do is to manage all of your bills each month and the best way to do that is to roll them into one easy to manage payment. This will allow you to make one payment for all of your credit card bills. Make sure that you also shop around when looking for a consolidation loan because you may be able to save money on the interest rate as well. Usually a credit cards rate of interest will be a lot higher than a consolidation loan will be.
Remember that you can end the stress you have with too many credit card bills and not enough money to pay them by getting a consolidation loan that will allow you to pay off those bills and have only one monthly payment. It is important that you take action now so that you can get your finances back in order.
Find Free: Debt Relief Today [http://www.finddebtrelief.net/]
Get: Consolidation Loan Now [http://www.finddebtrelief.net/debtconsolidation.html]
Bryan Burbank is an expert in the field of Finance and Debt Relief.
Article Source: https://EzineArticles.com/expert/Bryan_Burbank/130197
http://EzineArticles.com/?Debt-Consolidation-Loan---Debt-Relief-For-Your-Financial-Needs&id=1962939
Consolidation Loans, Debt Reduction, And Financial Freedom
By David Faulkner
If you are like millions of other Americans, you are probably sick and tired of the bills that keep piling up in your mailbox every month. Do not despair because you're not the only person with this particular financial problem.
Let's say you are already several payments behind and have no idea of how to pay for everything you owe. It's probably high time to consider consulting with financial experts.
There are plenty of money experts in the country that can teach you all about consolidation loan, debt reduction, and other procedures that can help you get on the path to financial freedom. However, you do have to be careful in selecting a reliable company because there are several unscrupulous people out there who like taking advantage of people's financial problems in order to make money for themselves.
A legitimate company that offers you a consolidation loan, debt reduction service, or financial assistance in any form will not charge you for an initial consultation. They will first assess your financial status and will state up front whether they can actually help you or not. You must stay away from so-called non-profit lending institutions that ask for donations or contributions outside of your loan payments.
Before you consider taking out a consolidation loan, debt reduction loan, or any other service that would help take you out of your financial rut, you need to understand all the possible consequences in case you are not able to complete the payments in time.
When you apply for a consolidation loan, debt reduction companies will require that you put up your home or other owned property as collateral that would sufficiently cover the amount of debt that you owe. If you fail to repay your consolidation loan, debt reduction institutions would immediately take over the ownership of your properties.
The primary benefit that you can get from consolidation loans is that you will be able to pay your debts at a much lower interest rate. We all know that many credit cards and student loans come with sky-high interest rates and this is one of the main reasons why millions of people end up bankrupt.
When you get a consolidation loan, debt reduction companies will still require you to pay an interest, but at a considerably lower rate.
An added advantage of taking out a consolidation loan is that you no longer need to write checks to several different companies. You just have to send the payment to the lending institution once or twice a month.
Once you have been granted a consolidation loan, debt reduction is certain - but it is still not the end of your problems. You will have to learn how to spend wisely and manage your finances much more efficiently in order to attain complete financial freedom.
You can also find more info on debt relief programs [http://www.getdebtreductionhelp.com/category/debt-relief-programs-customized-to-your-personal-needs] and credit debt reduction [http://www.getdebtreductionhelp.com/category/manage-your-card-with-credit-debt-reduction]. Getdebtreductionhelp.com/ is a comprehensive resource to know more about debt reduction.
Article Source: https://EzineArticles.com/expert/David_Faulkner/91825
http://EzineArticles.com/?Consolidation-Loans,-Debt-Reduction,-And-Financial-Freedom&id=828376
3 Types of Debt Help Available Online - Consolidation Loans, Debt Management and Debt Settlement
By Carrie Reeder
When it comes to consolidating debt, the internet offers three very good options. When you want to choose between a consolidation loan, debt management, or debt settlement, it is important to have an understanding of each one so you can choose the option that is best for your needs. Many people confuse these three services, but each one brings unique aspects to the job of helping consumers pay off their debts.
Debt Consolidation Loan
A consolidation loan takes all of your high interest credit card debts and turns them into one low interest loan. Often you have to be a home owner to qualify for this type of loan. The idea behind a consolidation loan is that with a lower interest rate, you will actually be able to afford to pay on the principle and that will help you to eventually get yourself out of debt.
Debt Management
Debt management companies work with consumers to help them learn to get control of their finances. The companies teach individuals how to make a budget and stick to it and often help them make a schedule to follow for paying off their debts. Most debt management companies are non profit and exist solely to help consumers get on track. These companies don't offer loans or negotiations and seldom work with creditors. Instead they work with you so you will have the tools to secure your financial future.
Debt Settlement
Debt settlement companies actually go to your creditors on your behalf. The work hard to negotiate with credit card companies to reduce what you actually owe. They can often lower interest rates, have penalties and late payment fees removed, and even get credit card companies to lower the balance of what you owe. Many of them will set up a system where you pay them one amount each month and then they in turn make payments to your credit card companies.
Carrie Reeder is the owner of http://www.abcloanguide.com, an informational website about various types of loans online.
View our Recommended Debt Solutions Companies Online.
Also, view our recommended lenders for a poor credit mortgage loan online.
Article Source: https://EzineArticles.com/expert/Carrie_Reeder/829
http://EzineArticles.com/?3-Types-of-Debt-Help-Available-Online---Consolidation-Loans,-Debt-Management-and-Debt-Settlement&id=164740
Unsecured Debt Consolidation Loans - Debt Reduction without Using Collateral
By Carrie Reeder
Eliminating debt is not an easy task. For this reason, many people
carry high credit card balances for several years. Homeowners may take
advantage of home equity loans or refinancing to reduce debts. In addition,
persons with a vehicle title or collateral may obtain a secured
personal loan to payoff debts. However, there are also options for eliminating
debts that do not require collateral.
What are Unsecured Debt Consolidation Loans?
In a nutshell, unsecured debt consolidation loans are personal loan
that do not entail collateral. Prior to a lending institution such as a
bank or credit union approving a loan request, the applicant must submit
some sort of collateral. Typical collateral includes a vehicle title.
Hence, if the loan is not paid, the lender may claim the applicant's
property.
Because unsecured debt consolidation loans are not protected, they are
harder to qualify for. Each lender has a different criterion. However,
most lenders require good credit and a sizeable income.
If you are hoping to become debt free, a debt consolidation loan is the
answer. Although unsecured loans carry a higher interest rate, the rate
is considerably lower when compared to credit card rates. Moreover,
debt consolidation loans have fixed terms.
Other Debt Consolidation Options without Collateral
Again, qualifying for an unsecured debt consolidation loan is tricky.
Some lenders do not offer these types of loans. Furthermore, the lenders
that do offer unsecured debt consolidation loans have strict lending
requirements. Unfortunately, it's impossible to get approved for an
unsecured loan with poor credit. In this case, you may have to explore other
alternatives.
If a home equity loan or refinancing is not an option, you may consider
transferring your high interest balances to a low rate credit card.
This will lower monthly payments and make is possible to reduce debts.
Another option involves consolidating debts through a credit counseling
or debt management agency. These agencies negotiate lower interest
rates, and consolidate debts without collateral or credit checks.
If using such an agency, you will be placed on a payment plan. Because
debts are consolidated, a single payment is submitted to the debt
management agency each month. These companies are very effective, and can
help you become debt free in five to ten years.
View our recommended companies for Unsecured Debt Consolidation or view all of our Recommended Debt Consolidation Companies Online.
Article Source: https://EzineArticles.com/expert/Carrie_Reeder/829
http://EzineArticles.com/?Unsecured-Debt-Consolidation-Loans---Debt-Reduction-without-Using-Collateral&id=145433
Is Consolidation Real Debt Relief?
By Max Soni
Americans consumers are behind a two trillion dollar eight ball of debt. No one realized the credit card debt trap until the economy took a dive two years ago and found themselves faced with bills they could no longer afford to pay. From every direction, they heard debt relief options. Free debt management, Christian debt counseling, American debt relief, and many other offers of debt help. It can make the head spin, and all these choices are precisely the reason that so many revert back to using consolidation as a means to get out of debt. Unfortunately, just the opposite is true. They are going deeper into deep and are achieving no real debt relief at all.
It is possible all the buzzwords - like credit counseling, debt negotiation, credit card debt solutions, non-profit credit counseling and the list goes on and on - confuses the consumer, and in that confusion, they go to a bank, get a second mortgage on their home, and pay off all their outstanding credit card balances. The theory seems very sound to them until a few years down the line. Because anyone's circumstances can change over time, they find themselves stuck with a loan, they are back in debt and this time, the very roof over their head is endanger of foreclosure because they can't make their payments. Once again, they are in debt and this time, perhaps, more seriously than ever before.
The notion of getting a collateral based loan in order to pay off debts that were previously unsecured is an old one, and it is not one of the better options in the debt relief industry today. Not only has the economy changed, but so has the credit card industry. The high interest rates on easy to obtain credit cards has come to plague the average American, and the Wall Street bailout of a couple of years ago proves that the lenders were also in trouble. They received money, and in part it was to aid consumers and give them some credit card relief in the process.
For those who didn't succumb to consolidation, they were able to find real debt relief in the forms of debt management or debt settlement. These forms of credit card relief have been around for years, but were rarely used. Today, they are the number one method to stay off bankruptcy and to get out of debt with the least amount of stress or even cash needed to get out of debt. They work because creditors are now settling debt for less money that it is worth. Why? Two reasons: they received incentive money from the government and because if they don't settle, the consumer may qualify for bankruptcy and they'll receive nothing at all.
Debt settlement and debt management programs have moved into the main stream of debt assistance, and now work under stringent regulations recently passed by the U.S. Government. Debt relief companies cannot promise what they can't deliver, and they may not assess fees unless the consumer meets success - one creditor at a time. While neither program promises a clean slate, erased debt or an exact percentage of debt reduction, it is known that they are able to help the consumer eliminate a certain portion of their debt problem. This is real debt relief.
National Relief is one of the nation's most reputable providers of debt settlement programs and is responsible for helping thousands of Americans eliminate large portions of their debt. If you'd like to find out more, call 1 888 703 4948. There's no obligation to find out if these programs could work for you.
Max Soni is an active member in the National Relief, which practices primarily in helping individuals with debt relief. Visit http://www.nationalrelief.com for relevant information to get the help you need and deserve!
Article Source: https://EzineArticles.com/expert/Max_Soni/909034
http://EzineArticles.com/?Is-Consolidation-Real-Debt-Relief?&id=5994618
Debt Consolidation and Debt Relief Guide
By Gage Killian
Many of Americans today face the problem of debt. In fact, most young adults get their first credit card as soon as they turn 18! On average most americans are over $9000 in cumulative debt in their household. A look into why this is happening.
Did you know that upwards of about 89% of Americans are indebted to credit card companies! Is this really a way to live? In the last 5-10 years there has been a rapid growth of debt consolidation firms pop up nationwide.
Along with debt comes other problems too. Those in debt often suffer from strings and strings of harassing debt collector calls. They fear losing their home, their car and their belongings. It is a fact that households with a significant amount of debt suffer more from depression and anxiety much more than those without debt. On the reverse side of that, depression can lead to actions which can lead to debt. People who fear they have nothing to lose have more of a chance of acting in desparation. Debt almost resembles that of a plague in which it affects everyone and spreads. One solution for debt is a process called Debt Consolidation.
Debt consolidation is a process in which you combine all of your accrued debt from various creditors and compile it into one lump sum with one creditor. In turn, you are lowering your interest rates, and your monthly payments. Debt consolidation firms will also "haggle" with your creditors to pay them off the least amount that they will accept. All of this combined helps in making your monthly payments lower, and helps you to pay it off in a timely manner, making your dream of being debt free come true.
Many non-profit agencies offer free debt consolidation counseling that can assist you in deciding whether debt consolidation is possible for you. There are several factors that go into determining whether a debt consolidation firm is the right one for you. Here are a few to consider;
FAQ'S
o What are the signs that I'm in over my head?
o How do I start the consolidation process?
o What is debt consolidation?
o How do I get started?
o After I apply for consolidation, when will I be contacted?
o Do you lend money?
o Will you be able to help me if I'm no longer making my payments?
o What is your privacy policy?
o Can bankruptcy be a solution?
o How much do you charge for your service?
o What types of debt can be included in the consolidation?
o How can I tell if the account is with the creditor, or has been passed onto a collection agency?
Although debt is never easy to solve. It can be simplified. Many have sought debt consolidation because they saw it as an easy way out. This is not the truth. You should only consolidate your debt if you are serious about doing so. Those who default on their debt consolidation loan get thrown back in to the same seemingly never-ending cycle. Ultimately, It is you, the consumer, who must make a large, life changing commitment. Remember, a significant life change is never easy but with honest commitment one may make life better for themselves in the long run.
Gage Killian
Debt Consoladation [http://www.my-better-credit.info]
Free Debt Consoladation [http://www.free-debt-consoladation.info]
EZ Debt Consoladation [http://www.ezcreditsolutionsnow.com]
Article Source: https://EzineArticles.com/expert/Gage_Killian/29656
http://EzineArticles.com/?Debt-Consolidation-and-Debt-Relief-Guide&id=163356
Debt Consolidation - Perfect Debt Relief Program
By Alberto Emerson
Debt Consolidation significantly helps those people who find it extremely impossible to pay off their debts. People take really long to realize that it is time to apply for a consolidation loan or debt before things go out of hands. It is highly essential that you manage your debt properly rather than getting drowned in that.
When you are bound to use one credit card to pay off another one, then you must consider your financial situation to be pretty precarious and seek consolidation services immediately. Moreover, the person must press a panic button instantly once he realizes that he is unable to afford principal balance as well as monthly payment.
Advantage Of Seeking Debt Consolidation Company:
You can apparently avoid bankruptcy by seeking debt consolidation services.
Get substantially larger loan: The consolidation company will help you get the larger loan that can be used to pay off your smaller debts at relatively lower interest.
Smart Debt Calculator: With the help of debt calculator, you can wisely combine all your monthly payments into single lower monthly bill and conveniently pay off your debt within 3-6 years compared to an average time of 20 years or more.
Revised debt repayment plan: When you are in debt, you normally receive a debt repayment plan from your collection agencies. But after seeking help from the debt settlement company, you manage to pay off decent amount of principal balance along with minimum amount of interest. This indeed helps you save substantial amount of money and will be successful in managing your finance wisely.
Rate Reduction: When you approach a debt consolidation company, you shift your debt worries to them, and a certified Debt Repayment Representative stands by your side, which can skillfully negotiate on your behalf with your creditors and eventually leading to reduction in the interest rate on your bills.
Elimination of late fees: Inevitably, when a person's name appears on the defaulter list that leads to more complications, such as late fee charges and penalty charges. These burdens can easily be eliminated by seeking help from a Consolidation Company.
Keep collection calls at bay: When you are under debt, you are likely to come across an unpleasant situation while dealing with harassing calls of collection agencies. However, with support from a reputed debt consolidation company, you can eventually avoid these undesirable situations.
Drastic improvement in your credit: With series of late payment, defaults, and charged off accounts, you are forced to have a bad credit score. However, when you resort to debt consolidation program, your credit report gradually starts picking up, eventually raising your credit score in the near future.
Free debt counseling: Once you choose to consolidate your bills and debts, the consolidation company willingly offers you debt counseling sessions to analyze your financial situation thoroughly and discuss more openly your debt relief options with the debt representative.
Debt Consolidation [http://www.americandebtrelief.org/] Company makes you understand what is best for you, helps avoid bankruptcy, so think no further, seek a debt management program, and get rid of your debt worries.
Article Source: https://EzineArticles.com/expert/Alberto_Emerson/581704
http://EzineArticles.com/?Debt-Consolidation---Perfect-Debt-Relief-Program&id=4306719
Credit Card Debt Relief Help - What You Need to Know to Get Out of Debt Quickly
By Jane Richards
Loan consolidation is one very popular debt relief option that people often turn to when trying to repay their debts. Of course, paying only one monthly payment is simpler than keeping track of several. If you would like to consider an even easier way to repay your debts, consider some debt relief companies that can help you restructure your finances. Below you will several steps that will assist you in optimizing the benefits of hiring a debt relief agency to get credit card debt relief help.
Step 1
Set up a consultation appointment with the debt relief company of your choice. Do not hesitate to share your financial information because these experts need to accurately assess your situation in order to give you the most profitable management plan. You could opt to consult with them via email, but contacting them over the phone would be even better so that you are able get a good feel for the people with whom you will be entrusting your finances.
Step 2
The agency will work with you in order to help you estimate what kind of monthly payment you can expect to pay. You will eliminate your debt sooner if you are able to pay more every month. In order to lessen your financial stress, your monthly commitment will likely be lower than what you are currently paying by getting credit card debt relief help.
Step 3
Unlike management plans using consolidation loans, debt relief agencies will entirely take on the burden of negotiating with your creditors. Instead of applying for a new loan, the agency will organize all your payments for you.
Step 4
Every month your payments to the agency will be collected in your account. As you begin to accumulate a balance, the company is able use that money to start paying your debts, which would now be reduced by 40-50%.
Step 5
You will obtain a new credit status because the agency will require the creditors to update your account information. The status could be "paid for," "settled," "settled in full," or even "settled for less than the full amount," which was already stated above. ideally your credit report will say paid in full and you should request this when getting credit card debt relief.
Be cautious not to accumulate additional debt while you are in this program. By the time the program is completed, you will be free from all your debt. Afterwards, if you decide to take on future debt, make sure to manage your funds wisely so that you do not fall behind again. Since you will have the opportunity to start over with a clean slate, make sure that all future charges are within your repayment ability. Get help and get out of debt today.
Here is the best resource for Credit Card Debt Relief [http://obamastimulusgrants.info] just click here [http://obamastimulusgrants.info] to get out of debt now.
Article Source: https://EzineArticles.com/expert/Jane_Richards/419223
http://EzineArticles.com/?Credit-Card-Debt-Relief-Help---What-You-Need-to-Know-to-Get-Out-of-Debt-Quickly&id=4648595
The Pro's & Con's of Debt Consolidation Loans
By Becki Andrus
Debt consolidation loans are a great way to go for those who are looking to gain control over their financial situation while avoiding the extreme measures of bankruptcy, garnishments and loss of assets. When considering debt consolidation loans and the companies who provide them, it's important to do your research and only consider solid companies with smart loans. We will take a moment to look at both the pro's and the con's of debt consolidation loans.
The pro's are a little more obvious as debt consolidation loans offer relief from creditors, while allowing opportunity to improve credit and credit scores. They help to avoid all the extreme measures listed above, while still giving the debtor the opportunity to pay back the debt. The most obvious relief comes in the consolidation of all monthly payments, interest rates and due dates into one.
The con's mostly come in the form of the company offering the debt consolidation loan. When debt consolidation loans first came to be there were high interest rates and unstable loans. While, this is not the majority any more, there are still fly-by-night loan companies trying to make a quick buck of other people's misfortune. When you are considering a company, take the time to check the company out and make sure they are legitimate and certified to offer the loans you are looking for. Don't be afraid to ask for references, a free consultation or to see their licensing. Any quality company should be glad to do any of these to put a potential clients mind at rest.
When considering with debt consolidation loan best designed to fit your financial situation and needs, it's important to find not only the right loan, but the right company to back that loan. Look for a solid company with experience experts and an easy partnership and you will find the financial debt relief you are looking for.
Using an unsecured debt consolidation loan [http://onlinedebtconsolidationinfo.com/debt-consolidation-loans/] can help you save thousands of dollars in interest costs and fees. It's time for you to take action and get out of debt! Visit our website for more information on debt consolidation loans: [http://OnlineDebtConsolidationInfo.com]
Article Source: https://EzineArticles.com/expert/Becki_Andrus/166100
http://EzineArticles.com/?The-Pros-and-Cons-of-Debt-Consolidation-Loans&id=1716293
Understanding Debt Consolidation Loans and Their Benefits
By Robert Marcellus
When it comes to debt consolidation, many Americans are in the dark. The extent of their knowledge is that debt consolidation is often utilized by people who have bad credit and are seeking a way to get out their debt. However, consolidation loans, debt management, and credit counseling often go together as a means to educate people against poor financial decisions to help them avoid being stuck in the same financial situation in the future.
Loans consolidation and debt relief are offered by thousands of companies across the nation. These companies make their money from consolidating loans for people with debt and then taking a portion of the payment the person makes toward their consolidation. While this is a pretty standard business practice, some companies take advantage of this and take upwards of 30% of each monthly payment. This is absolutely unacceptable and is one reason why reading the fine print on a loans debt consolidation is absolutely necessary.
Education loans are one reason people seek loans consolidation for debt relief. Taking out numerous education loans while in college can lead to several different interest rates, repayment rates, and an all around hassle for any student fresh from college. By consolidating these education loans into one lump payment, students are better able to repay their loans on time and avoid severe penalties and possible hits to their credit score.
The Definition of Unsecured Consolidation Loans
Unsecured consolidation is the most commonly used type of debt consolidation since it does not require any collateral to back the loan, such as a house or car. This type of loan typically comes with a variable interest rate and while it is good to consolidate your debts under the roof of one lender, you should be sure the amount of interest you are paying and the fees taken for such services do not over-burden you. Unsecured consolidation is best for those who do not have any collateral, or those who are not willing to risk their homes on getting out of debt for good.
Other factors you need to consider include understanding how you managed to get yourself into debt in the first place. Education loans, massive credit card bills, high mortgages and car payments are all contributing factors to debt and some of them are unavoidable. However, speaking with a debt counselor about your current situation can better shed light on the choices made that have resulted in debt, and better allow you to understand how you can stay debt-free once you are out of debt.
Robert Marcellus writes several articles regarding the debt consolidation loans [http://www.debtconsolidationloansnow.com], mortgage loans and student loans. Please visit us at: [http://www.debtconsolidationloansnow.com].
Article Source: https://EzineArticles.com/expert/Robert_Marcellus/809839
http://EzineArticles.com/?Understanding-Debt-Consolidation-Loans-and-Their-Benefits&id=5267758
Rates and Fees
We are not a lender or a loan broker. We do not make loan decisions. We are a loan connect system. We connect
consumers who are looking for payday loans or small installment loans to lenders who may be able to help by
offering a loan to qualified consumers.
If after registering on the this website, you are connected with a lender, the lender will make you an offer
which will include the loan amount, the fees and APR, as well as the terms of repayment. Please make yourself
aware of all terms of the loan, including the consequences if you do not make the payment on time.
You are under no obligation to accept the terms of the loan if you do not wish to. You are only obligated once
you have electronically “signed” for the loan.
All questions regarding repayment and its consequences should be directed to your lender. We work with
numerous lenders that each have their own sets of rules for their loans.
If you do not repay the loan, including fees, on time, typical actions taken by lenders include turning your
account over to a collection agency, reporting to a credit score agency, an offer to renew, which will add
additional fees and charges to your account balance, and/or legal action.
Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their
own terms and conditions, please review their policies for further information. Nonpayment of credit could
result in collection activities. Each lender has their own terms and conditions, please review their policies
for further information. Every lender has its own renewal policy, which may differ from lender to lender.
Please review your lender’s renewal policy.
Contact your lender with any questions or problems with your loan.
This website does not charge consumers for its loan connecting services, so registering online is free!
By accessing this website (the “Website”), you agree to be bound by these terms and conditions (the “Terms”).
Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.
Loan Referral Service
Our loan referral service (the “Service”) connects consumers with prospective lenders participating in our
network (the “Lender Partners”). To use the Service, you must complete an online request form (a “Request
Form”) that requests personal information from you, including your name, address, telephone number, email
address, social security number, bank account information, and employment information. Our collection and use
of this information is subject to the Website’s Privacy Policy, which is incorporated into these Terms.
Credit Decisions
We are not a lender and do not make loans or credit decisions.We do not guarantee that any Lender Partner will
offer you a loan or that any loan offer will contain any specific loan terms or conditions. We do not
guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made
available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, The lenders shares your information with our Lender Partners. By submitting a
Request Form, you understand and agree that you requesting loan offers from the Lender Partners. You are also
agreeing that the Lender Partners may contact you by any means (including email, telephone, SMS, and direct
mail) so that they may assist in processing your Request Form or provide information to you about additional
offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to determine whether your
information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request Form
information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record
on your credit report and may affect your credit score (a “Hard Check”). Or it could be an informal inquiry
which will not affect your credit (a “Soft Check”). These credit checks may be performed through TransUnion,
Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting
agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer
transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to
review, verify, and research your information in such a manner.
If a Lender Partner determines that your Request Form meets its underwriting criteria, your browser will be
redirected to the lender’s website. You understand and agree that, once you have been redirected to the
lender’s website, This website has no further involvement in the loan registration or decision process. Your
interactions with the lender are subject to privacy policy, terms of use, and other policies or terms enforced
by that lender.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and
communications both from our Lender Partners. If you are connected to a Lender Partner, that lender may
require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan
contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan
contract.
The lender may also require you to consent to receiving all notifications regarding your loan electronically.
These electronic communications may include attempts to collect a debt.
Additionally, the lender may require you to access documents related to a loan, including your loan contract.
By Submitting your Request Form you agree to this form of access.
The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with
whom you were connected to learn more about this process. Please note, however, that not consenting to receive
electronic disclosures may affect your ability to receive a loan from a Lender Partner.
Accuracy
You represent that the information you provide to the Lender Partners, and ultimately, the Lender Partners,
through your Request Form is accurate and truthful. If the information in your Request Form is not accurate
and truthful, The Lenders may deny, suspend, or terminate your use of the Service.
Control over Features, Functions, and Access to the Service
This website may change any information, features, or functions of the Service without prior notice. This
website and lenders may deny you access to all or part of the Service without prior notice if you engage in
any conduct or activities that Lenders determines, in its sole discretion, violate these Terms, the rights of
Bad Credit Payday Loans or any third party, or is otherwise inappropriate. This website is not responsible for
any errors or delays in providing Service caused by errors in the Request Form information provided by you or
by any technical problems beyond its reasonable control.
Disclaimers and Limitations
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.”
This website EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER
WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN,
INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A
PARTICULAR PURPOSE.
This website MAKES NO WARRANTY AS TO TH RESULTS THAT MAY BE ACHIEVED BY USING THE WEBSITE AND THE INFORMATION,
SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THE WEBSITE OR THE SERVICE IS AT YOUR OWN RISK.
This website OR THE LENDER PARTNERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES,
AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN
ANY WAY CONNECTED WITH THE USE OF THE WEBSITE OR THE SERVICE OR WITH THE DELAY OR INABILITY TO USE THE
WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE WEBSITE, OR OTHERWISE
ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT,
TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE LENDER PARTNERS HAVE BEEN ADVISED
OF THE POSSIBILITY OF DAMAGES.
We DO NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY PARTICULAR LENDER. This website IS NOT AN AGENT OF YOU OR
ANY PARTICIPATING LENDER. This website IS NOT INVOLVED WITH THE LENDER’S USE OR REVIEW OF YOUR REQUEST FORM
INFORMATION OR IN MAKING A DETERMINATION ABOUT WHETHER YOU MEET A PARTICULAR LENDER’S UNDERWRITING CRITERIA.
THE LENDER IS SOLELY RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT This website WILL NOT BE LIABLE
FOR ANY DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU
UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A
LOAN WITH THEM.
SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS
AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF This Website, THE
LENDER PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS,
ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnity
As a condition of using the Website or the Services, you agree to indemnify This Website and the Lender
Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising
out of claims resulting from your use of the Website, including any claims alleging facts that if true would
constitute a breach by you of these Terms.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or other third parties. These
links are provided for your convenience and reference only. This Website does not operate or control in any
respect any information, software, products, or services available on such third party sites. This Website’s
inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or
its sponsoring organization.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the Website, to the use of the Service, or
to any acts or omission for which you may contend This Website is liable (a “Dispute”), will be settled
exclusively by binding arbitration in accordance with the commercial arbitration rules of the American
Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California
and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator
will have the power to award damages in connection with any Dispute in excess of actual compensatory damages
and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party
irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the
joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of
any non-party, regardless of the nature of the issues of disputes involved.
BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY DISPUTES WITH This Website IN A COURT OF LAW
OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING This
Website’S SERVICE, YOU CONSENT TO THESE RESTRICTIONS.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any
lawsuit between you and This Website, you agree that jurisdiction over and venue of any suit will be
exclusively in the state and federal courts sitting in Los Angeles, California. You agree that regardless of
any statute or law to the contrary, any claim or cause of action arising out of or related to use of the
services must be filed within one year after such claim or cause of action arose or be forever barred.
SMS Terms & Conditions
By providing a mobile phone number you are opting in to communications via SMS from This Website and the
Lender Partners. These communications may include a follow-up SMS message containing a link to your completed
loan Request Form, payment reminders from Lender Partners, and future offers.
Other Terms
These Terms constitute the entire agreement between you and This Website. These Terms will be governed by the
laws of California without regard to its conflict of law principles. If any part of these Terms is determined
unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed
superseded by a valid and enforceable provision that most closely connects the intent of the original
provision and the remainder of these Terms will remain in effect. Any failure by This Website to exercise or
enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. This
Website may amend these Terms at any time by posting the amended terms on its website. All amended terms are
automatically effective immediately upon posting.
This Privacy Policy (the “Policy”) applies to the This Website website (the “Website”). It tells users (“you”)
of the Website and the services it provides about the information collected by the Website and how the Website
uses and shares this information.
The Information This Website Information We Collect
This Website collects both information that may identify a particular individual (“Personally Identifiable
Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally
Identifiable Information”) from or about users of its websites.
Personally Identifiable Information
This Website collects Personally Identifiable Information when you provide it through your use of the Website,
such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer
from a lender participating in This Website’s lender network (a “Lender Partner”) or by sending questions to
This Website via the Website. The types of Personally Identifiable Information This Website collects include:
name, physical address, telephone number, social security number, email address, date of birth, driver’s
license number and state, information about home ownership, citizenship status, employment information, active
military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that This Website collects (either directly, through the
use of “cookies,” or through the use of a third party tracking system) include: the IP address of the computer
making the request; your browser type and language; access times; information about areas of the site visited
by users of the site; information about the links that users may select to visit on the site. IP addresses are
not usually associated with your personal computer, but with a portal through which you accessed the Internet.
IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a
website sends to your computer while you are viewing a website to remember who you are without personally
identifying you.
This Website may share this non-Personally Identifiable Information with its suppliers and other third parties
for the purpose of website statistical and trend analysis. This information is not linked to any Personally
Identifiable Information.
Information Collected by Third Parties
This Website may allow third parties, including advertising partners and personal loan lenders, to display
advertisements on the Website. These companies may use tracking technologies, including cookies, to collect
information about users of the Website who view or interact with these advertisements. This Website does not
provide Personally Identifiable Information to these third parties.
How We Use Personally Identifiable Information
This Website uses the Personally Identifiable Information you provide through the Website in order to deliver
the products or services you have requested; provide you with customer support; communicate with you by email,
postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about
products or services that may be of interest to you either from This Website, Lender Partners, other third
party lenders, This Website’s marketing partners, or other third parties; display advertising tailored to your
interests or background; perform data and statistical analysis on use of the website; enforce This Website’s
terms and conditions, and perform any other functions otherwise described to you at the time This Website
collects the information.
This Website may review and use your financial information and your social security number to connect you with
Lender Partners or other third party lenders with whom This Website has a business relationship. This Website
may also review your financial information and social security number to verify your identify and protect
against possible fraudulent transactions.
Sharing Your Personally Identifiable Information
This Website may share your Personally Identifiable Information (including, without limitation, your financial
account information and social security number) with Lender Partners and other third party lenders with whom
This Website has a business relationship. These third party lenders may use your Personally Identifiable
Information to offer you a personal loan or to communicate with you about other business or marketing offers.
In addition, This Website may share your Personally Identifiable Information (including your financial account
information and social security number) with unaffiliated third party marketers and list managers with whom
This Website has a business relationship.
Any third parties with whom This Website shares Personally Identifiable Information may have their own
policies which describe how they use and disclose your information. Those policies will govern the use,
handling, and disclosure of your information once This Website has transferred or shared it with those third
parties as described in this Policy or the This Website Terms and Conditions.
This Website will disclose your Personally Identifiable Information in response to a subpoena or similar
investigative demand, a court order, or a request for cooperation from a law enforcement agency or other
government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise
required by law. This Website will disclose your Personally Identifiable Information when This Website
believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected
fraud, or other wrongdoing; to protect and defend the rights, property, or safety of This Website’s parent
company, its employees, its website users, or others; or to enforce the Terms and Conditions or other
agreements or policies.
In addition, This Website may transfer Personally Identifiable Information to an entity acquiring all or
substantially all of its parent company’s stock or assets.
Links to Third Party Websites
This Website may provide links or automatically redirect you to third party websites that do not operate under
this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a
website that This Website does not operate or control. You should review the privacy statements and terms of
use of all third party websites you access. These third party websites may independently solicit and collect
information from you. On occasion, those third party websites may provide This Website with information about
your use of those sites.
Changes
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be
revised, modified, updated, and/or supplemented at any time and without prior notice at This Website’s sole
and absolute discretion. Changes to this Policy will be posted on the Website and This Website will revise the
“Effective” date at the top of this policy. You should review this Policy each time you access the Website. If
This Website makes any material changes in the way it collects, uses, and/or shares personal information that
may impact you, This Website will notify you by prominently posting notice of the changes on this website.
Security
This Website has put in place physical, procedural, and technological security measures to help prevent
unauthorized access to and improper use of the information This Website collects online. For example, only
authorized employees and authorized third parties are permitted to access Personally Identifiable Information,
and they may do so only for permitted business functions. No website or Internet network can be completely
secure. Although This Website takes steps to secure your information, This Website does not guarantee, and you
should not expect, that your personal information, searches, or other communications will always remain
secure.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the Personally Identifiable Information that This
Website has collected about you through your use of the Website, please contact This Website by writing or
sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from
California residents and disclose such information to third parties (including affiliated entities) for
marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the
categories of information shared and the entities to which such information was provided, or (2) provide a
mechanism by which a consumer may opt out of having his or her information shared with third parties. This
Website has elected the second option, and you may opt out by completing one or more forms on our Opt Out
page.
California residents are also entitled to know that they may file grievances and complaints with California
Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814
PRIVACY STATEMENT Your privacy is important to us.
This privacy statement provides information about the personal information that we collect, and the ways in which we use that personal information.
Personal information collection
Our company does not collect and use the following kinds of personal information:
Information about your use of this website.
Information about transactions carried out over this website.
Information that you provide using for the purpose of registering with the website.
Information that you send to our company.
Information that you provide for the purpose of subscribing to the website.
Using personal information
Our Company does not use your personal information to:
Personalize the website for you. administer this website.
Enable your access to and use of the website services.
Publish information about you on the website.
Send to you products that you purchase.
Supply to you services that you purchase.
Send you statements and invoices.
Collect payments from you; and.
Send you marketing communications.
Our company may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.
Securing your data
We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.
Updating this statement
We may update this privacy policy by posting a new version on this website.
You should check this page occasionally to ensure you are familiar with any changes.
Other websites
This website contains links to other websites.
We are not responsible for the privacy policies or practices of any third party.
Contact
This is an Affiliate Site. We do no collect information. We are a venue for marketing the products and services of well known Major Companies. If you have any questions about the privacy policy treatment of your personal information, Please submit your question via the Contact Us page to the particular advertiser on the advertising company's website.
Each Advertiser has different Privacy Policies. We are not responsible for the Advertiser's Privacy Policy or Terms.
We only advertise well known trusted offers from companies nationwide.
Terms and Conditions
The content, products and services offered at our Web Site. By visiting the Web Site and/or using the services offered through Web Site, the user ("User") agrees to be bound by these Terms and Conditions and that such agreement constitutes a binding contract (the “Agreement”) between User and the Company regarding the Web Site, contents, products and services offered there. If User does not wish to be bound by these Terms and Conditions, the User should not visit or use the Web Site or use the content, products services offered there.
Company reserves the right to change these Terms and Conditions from time to time at its sole discretion. In the case of any violation of the Terms and Conditions, Company reserves the right to seek all remedies available by law and in equity for such violations. These Terms and Conditions apply to all visits to the Company Web site, both now and in the future.
General Disclaimer
Although Company has made reasonable efforts to place accurate information on this Web site, Company assumes no responsibility for the accuracy of the information. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, THE COMPANY PROVIDES THIS WEB SITE, CONTENT, PRODUCTS AND SERVICES "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, TO THE FULLEST EXTENT ALLOWED BY LAW. COMPANY FURTHER DISCLAIMS ALL OTHER WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COMPANY DOES NOT WARRANT UNINTERRUPTED OR ERROR FREE FUNCTIONS CONTAINED IN THIS SITE OR ITS CONTENT OR THAT COMPANY OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Limitation of Liability
COMPANY SHALL NOT BE LIABLE FOR DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES RESULTING FROM THE USE OR INABILITY TO USE THIS WEB SITE, ITS CONTENT, PRODUCTS OR SERVICES WHETHER OR NOT COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES. THIS INCLUDES DAMAGES FOR NEGLIGENCE OR GROSS NEGLIGENCE. THIS PROVISION IS SUBJECT TO POSSIBLE LIMITATION UNDER STATE LAWS.
Indemnification
User agrees to indemnify and hold harmless Company, at User's sole expense, against any claim, action, legal proceeding, damages, liability, settlements, expenses (including attorneys' fees) and other costs relating to (i) breach of any of these terms by any party; (ii) User's negligence or misconduct, or (iii) claims that User has infringed the copyright, trademark, trade secret, patent, or other proprietary right of a third party.
Restrictions on Use of Material
The use of the Web Site, its products and services is intended for individual or private use only. The commercial resale, electronic extraction or reformatting of information available on the Company Web site or on any other co-branded Web site, by any user in any capacity, is strictly prohibited and a material condition to the use of the Company site. Data mining, screen scraping, downloading or any other activity designed to obtain, re-use, reformat, re-sell the information contained within the Company or co-branded Web sites in a commercial manner is strictly prohibited. Company reserves the right to immediately terminate any account that is being used in such activity. The reposting, manipulation, display or other Web-based presentation of data obtained through the Company Web site on the Internet or through email is strictly prohibited and may constitute copyright, trademark or service mark infringement. In the event that any subscriber is determined to be engaged in any activities prohibited in this section, Company may seek injunction in any court located in Los Angeles. CA . And, the subscriber through the use of this site consents to the jurisdiction of said court and shall and agrees to be liable for all attorneys fees incurred as the result of any enforcement of any injunction for legal action related to any wrongful action referenced herein.
Trademarks, Service Marks, & Logos
All trademarks, service marks, logos, or other corporate identifications (collectively, "Marks") on this Web site are trademarks or service marks of Company or another entity. User agrees not to use, copy, reproduce, republish, upload, post, transmit, distribute, or modify these Marks in any way. The use of these Marks on or as a link to any other Web site is strictly prohibited without prior written approval by Company.
Code of Behavior
User agrees not to post on the Web Site any content that (a) is libelous, defamatory, obscene, pornographic, abusive, harassing, or threatening, (b) contains viruses or other contaminating or destructive features, (c) violates the rights of others, including protections of copyright, trademark, patent, trade secrets or any right of privacy or publicity, or (d) otherwise violates any applicable law. User will not post on this Web site any links to any external Internet sites that are obscene or pornographic. Any information that you provide to Company must be true, complete and accurate, must not represent you as someone else or falsely identify any third party, and must not violate any law, statute, ordinance or regulation.
Usage of the subject site shall be limited to non-robotic, non-mechanical or other non-artificial/software based. Violation of this use policy subjects the user to immediate termination of service without refund or pro-rated credit for any subscription fee.
By subscribing to the Company service, User agrees not to disclose any assigned access code to others. User also agrees not to distribute the information contained in Company to any person or organization, by any means, electronic or other.
Refund and Cancellation Policy
Notwithstanding any other terms in this Agreement, there are no other Refunds the Company will make other than contained in this “Refund and Cancellation Policy” section of this Agreement.
This is an Affiliate Publisher website. We do not sell products or services. Please refer to the particular advertiser regarding their policy regarding refunds.
No refunds are given for verified deficiencies of the delivered Service that were caused by events outside the control of the Company such as slow internet connections, weather, etc.
Links to/from Third Party Sites
This Web site contains links to third party sites. User accesses these sites at User's own risk; Company is not responsible for the contents, changes, updates, or other links contained in a linked site. Company provides these links merely as a convenience, and the inclusion of such links does not imply an endorsement by Company of the site.
Any third party desiring to link to Company must link to Company's homepage located at Company. No one may link to any other page of this Web site without the prior written consent of Company.
No Partnership or Agency
User understands and acknowledges that no joint venture, partnership, employment, or agency relationship exists or is created between User and Company as a result of use of Company.
Governing Law
The contents of this Web site and any claims related to it are governed by the laws of the State of California, without reference to its conflict of laws rules. User consents to the exclusive jurisdiction of the state and Federal courts located in Los Angeles, CA, and User waives to the fullest extent allowed by law the defense of an inconvenient forum to the maintenance of any action or proceeding.
Privacy
Unless specifically noted when the information is obtained, Company does not make available to third parties information that personally identifies its Web Site users. With the exception of: If User linked to this page from another Web site, information entered here may be disclosed to the owners of such Web site. Other information or ideas that Users transmit to or post on this Web site by any means will be treated as non-proprietary, and may be disseminated or used by Company, its affiliates or the Vendors for any purpose whatsoever. For more detailed information see our Privacy policy.
I also agree not to distribute the information contained in Company to any person or organization, by any means, electronic or other.
Entire Agreement
The above Terms and Conditions constitute the entire and only agreement between User and Company on the matters described. User understands that User may be subject to further restrictions while using Vendors' Web sites.
Contact US: 1-877-510-5571