The rockers have an ownership interest in the team. March 23, at 7: Check the Federal loan repayment estimator to make sure you see all the Federal options you have right now. He covers a variety of personal finance topics and especially likes writing about credit and loans. With APRs ranging from 6.
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Credit cards, for example, had an average rate of That can make it hard for you to manage payments and pay down your debt sooner. While it would be nice to wish our debt away, you may be considering the next best option: It could help you save money and potentially pay down debt faster.
There are pros and cons to consider anytime you restructure your debt or take out a new loan. The advantages of debt consolidation are often important enough for consumers to overlook any potential downsides.
One of the biggest advantages of debt consolidation is the potential to save money and time on your debt, said financial planner Justin Pritchard of Approach Financial in Montrose, Colo. One goal of debt consolidation is to get a lower interest rate. With a lower rate, more of your payments are going toward your principal balance each month. Pritchard notes that high interest rates make it difficult to pay down debt, whereas a lower rate can help you make a bigger dent in your balance with each monthly payment you make.
Financial planner Neal Frankle of Credit Pilgrim said debt consolidation can simplify repayment. By consolidating your debt into a single new loan, you can go from multiple monthly debt payments down to one. This could make it easier to stay on top of your payments and focus on your end goal, Frankle said. If you continue spending on your credit card while you make payments, you can get stuck in a cycle where your new credit card charges outpace any progress you make. If you consolidate debt with a personal loan, you could opt for a fixed interest rate.
That would make your monthly payment and repayment period easier to manage. Just be wary of accumulating new debt on your paid-off credit card.
While securing a lower interest rate can help you save money on your debt, consolidating with a personal loan or another financial product does come with risks.
Financial planner Dan Kellermeyer of New Heights Financial Planning said debt consolidation may not provide a long-term solution if you have trouble controlling your spending. That way, you can get to the root of your problem and prevent a situation where you consolidate debt but continue racking up new debt. Depending on how you choose to consolidate your debt, you may have to pay upfront costs. For example, personal loans can come with origination fees from 1 percent to 8 percent.
Home equity loans, on the other hand, come with closing costs similar to those of a traditional mortgage. These costs or fees can offset your savings, Pritchard said. Before you consolidate debt to save money or speed up your repayment timeline, you may want to consider the different loan options available. Consider this breakdown of the popular debt consolidation methods, along with their pros and cons. These cards may let you transfer multiple credit card balances and loans over to the new rate, helping you save money on interest and score a single monthly payment.
If you continue using your credit card after you consolidate, you may have trouble paying off your debt before the promotional period ends. Balance transfer cards make the most sense for people with high credit scores because they can usually qualify for the promotional rates. These cards are also best for consumers who can stop using their credit cards so that they can focus on paying off their debt for good. Check our marketplace for balance transfer cards.
Consider the length of each promotional period and fees. A debt consolidation loan is a personal loan used to consolidate debt. Personal loans come with a fixed interest rate, monthly payment, and repayment schedule. Personal loans can offer attractive interest rates that can help consumers save money in debt repayment.
Debt consolidation loans help you create a debt payoff plan. While debt consolidation loans can lower your monthly payments, you may end up paying more in interest if you stretch out your repayment timeline, Kellermeyer said. Consolidating debt only moves your debt, and it could make it easier to rack up more. Debt consolidation loans are best for consumers who need a structured way to pay off their debt.
Compare lenders using our personal loan marketplace. Double-check lender fees, rates, and borrowing limits. A home equity loan is a fixed-rate debt that uses the equity you have in your home as collateral. Since this is a secured loan , you may qualify for a lower interest rate than you could get with other debt consolidation options. You can refinance revolving debt such as credit card debt into a loan product with a fixed interest rate and fixed monthly payment. So this option may not be available to some homebuyers.
Home equity loans may come with costs such as an application or loan processing fee, an origination or underwriting fee, a lender or funding fee, an appraisal fee, document preparation and recording fees, and broker fees. Start your search by reviewing our guide to home equity loans. Weigh the benefits of a home equity loan compared with the idea of using your home as collateral. A home equity line of credit HELOC is a line of credit that lets you borrow against the equity in your home.
HELOCs typically come with variable interest rates. Instead, you get the option to borrow amounts that you need up to a preset limit. HELOCs can come with fees, including for applications, title searches and appraisals.
HELOCs typically come with variable interest rates, meaning your payment could go up or down throughout the life of your loan. HELOCs are best for consumers who have a lot of equity in their homes and want a line of credit to borrow against. Debt management plans are overseen by credit counseling agencies, according to Kevin Gallegos, vice president of new client enrollment at Freedom Debt Relief. This type of plan may land you a lower interest rate and reduced fees.
Joseph Martin, a credit counselor with Take Charge America , a national nonprofit credit counseling and debt management agency, said credit counseling agencies do a lot of the work for you with these plans.
Once you make your single payment each month, they also take steps to disburse the funds for you on your behalf. A debt management plan could help you secure a lower interest rate, Gallegos said.
Debt management plans typically charge a monthly administration fee. These fees can add up over the course of a debt management program. But these fees can be offset by the interest you save. If you enroll in a debt management plan, you need to stop using your credit cards to receive the full benefit. Martin said you can take part in a confidential, free credit counseling session at a nonprofit agency.
Consider checking in with the National Foundation for Credit Counseling. Consolidating debt can be a good move if it helps you save money or repay your debt faster. The right debt consolidation method for you can vary. Consider what kind of debt you have and how much you have of it, your current interest rates and which consolidation methods are available. By doing some research, you can wind up with the best debt consolidation product for your unique needs. Holly Johnson is a writer at MagnifyMoney.
You can email Holly here. Louis is a personal finance writer who works with Fortune financial services firms, FinTech startups, and non-profits to help promote financial literacy. He covers a variety of personal finance topics and especially likes writing about credit and loans. Many college students, graduates and parents or grandparents of students have taken out student loans to help pay for educational expenses.
Building credit can be important for your financial and personal life. A high score can make qualifying for new loans or credit cards easier, may save you money with lower interest rates or insurance premiums and could even help you rent an apartment or home.
Because so many people have student loans — and for many new college students, the loans may be the first time they use credit — understanding how student loans can affect your credit is important. Protecting your credit while repaying student loans. Can refinancing student loans help or hurt your credit? As with other types of installment loans, such as a personal loan or auto loan, your student debt can help or hurt your credit score depending on how you manage your loans and your overall credit profile.
But student loans have a few features, such as deferment or forbearance, that may not be as common with other types of installment loans. Understanding these features, how they work and the impact they could have on your credit can help you manage your student loans with confidence.
If you want to see where you stand with your credit, you may be able to check your credit reports and scores for free through a variety of financial institutions and online tools.
Whether you take out a student loan or something else, a new credit account can lead to a dip in your credit score for several reasons. For one thing, the new account could decrease the average age of accounts on your credit reports — a higher average age is generally better for your score. Additionally, if you applied for a private student loan, the application could lead to the lender reviewing your credit history.
Your student loans will also increase your current debt load. While the amount you owe on installment loans may not be as important as outstanding credit card debt, it could still negatively impact your score.
Credit scores aside, lenders may consider your debt-to-income ratio when you apply for a new credit account. Having a large amount of student loan debt could make it more difficult to qualify for a loan or credit line later, even if you have a good credit score. Often, students who take out student loans will have their new loan or part of the loan disbursed near the start of each term.
Each disbursement could count as its own loan on your credit reports. So even if you only send one payment to your servicer every month, the servicer allocates the payments among each individual loan.
Each of these student loans could impact your age of accounts and overall debt balance. Your payment history is one of the most important factors in determining a credit score.
Being 30 or more days past due could lead to a negative mark on your credit reports that can hurt your credit score. Falling further behind could lead to a larger negative impact on your score, as your loan servicer reports your payments , , , and then days past due. Unless you bring your accounts current, they could be sent to collections, which could be indicated on your credit reports and hurt your score more.
The lender may also be able to sue you to take money directly from your paycheck or, in some cases, your tax return or bank account. Other student loans may default sooner. Even if you can stay on track with your student loans, having to make the monthly payment could cause trouble keeping up with other bills. Showing that you can manage different types of accounts, such as installment loans and revolving accounts credit cards, lines of credit, etc.
Likewise, if your only credit account is a student loan, opening a credit card might help your score. Since your credit history is one of the most important credit-scoring factors, try to always make on-time payments as you repay your student loans. Doing so could help you build a solid credit history, which can lead to a higher score. Continuing to take out new student loans each term could lower your average age of accounts. But your average age of accounts will still increase as you repay your loans.
But the account will still stay on your credit reports for up to 10 years from when it was closed, and it could impact your credit history and average age of accounts during that period. Once you take out student loans, you may be able to defer making full or any payments until after you leave school.
But once you start repaying the loans, a misstep could lower your credit score. Here are a few ways you could keep your student loans from hurting your credit. Many student loans offer an in-school deferment period, which lets you put off loan payments until six months after you leave school.
In-school deferment lets you focus on your schoolwork and makes student loans affordable, as many students might not have enough income to afford monthly payments. Doing so could hurt your credit score. To avoid missing the first — and subsequent — payments, you may want to enroll in an auto payment program with your student loan servicer.
You may be able to choose from several federal student loan repayment options. The main options include the standard, extended, graduated and income-driven plans. Choosing an extended, graduated or income-driven plan, rather than the standard plan, could lower your monthly payments. If you choose an income-driven plan, be sure to renew your repayment plan every year and send your loan servicer updated documentation to remain eligible.
Although the nonstandard plans could wind up costing you more in interest overall, the lower payments could make managing all your bills easier, which can be important for maintaining and building credit.
If you do find yourself struggling to make payments, be sure to reach out to your loan servicer. With federal student loans, you may be able to switch repayment plans, or temporarily place your loans into deferment or forbearance to stop making payments. Some may also have other hardship options, such as temporarily reduced payment amounts or interest rates.
If you use the second method — and this if the first time you rehabilitated the student loan — the default associated with the loan will also be removed from your credit reports. Although the late payments associated with the loan will remain for up to seven years from the date of your first late payment, having the default removed could help your score. If you use the program, you may be able to request the removal of the default from your credit reports by contacting the lender, but the late payments on the account could remain.
When you submit a private student loan application, the resulting hard inquiry could have a minor negative impact on your score. Shopping for a private student loan , comparing the pros and cons of different lenders, and submitting multiple applications so you can accept the loan with the best terms is generally a good idea.
Hard inquiries usually only have a small impact on credit scores, and scores often return to their pre-inquiry level within a few months, as long as no new negative information winds up on your credit reports. While multiple hard inquiries can increase score drops, particularly for those who are new to credit, credit-scoring agencies recognize the importance of rate shopping. As a result, multiple inquiries for student loans that occur with a to day window depending on the type of credit score only count as a single inquiry when your score is being calculated.
If you already have a good-to-excellent credit score and a low debt-to-income ratio, you may want to consider refinancing your student loans. When you refinance your loans, you take out a new credit-based private student loan and use the money to pay off some or all of your current loans.
The lender will generally send the money directly to your loan servicers. Refinancing can save you money if you qualify for a lower interest rate than your loans currently have, and combining multiple loans into one could make managing your debt easier.
When it comes to credit scores, refinancing student loans is a bit like taking out a new loan. Shopping around and submitting applications during a short period could help you get the best rate while limiting the negative impact of the inquiries. After getting approved for refinancing, the new loan may be reported to the credit bureaus, which could lower your average age of accounts. Your other loans will be paid off, but they could stay on your credit reports for up to 10 more years.
Your overall installment-loan debt will stay the same, and as long as you continue to make on-time payments, your score may improve over time. Louis DeNicola is a writer at MagnifyMoney. You can email Louis at louis magnifymoney. Nick Clements has worked in consumer banking for nearly 15 years and is the co-founder of MagnifyMoney.
Are you tired of paying a high interest rate on your student loan debt? We have created the most complete list of lenders currently willing to refinance student loan debt. We recommend you start here and check rates from the top 7 national lenders offering the best student loan refinance products. All of these lenders except Discover also allow you to check your rate without impacting your score using a soft credit pull , and offer the best rates of You should always shop around for the best rate.
Student Loan Consolidation vs. If you go to other sites they may claim to compare several student loan offers in one step. Just beware that they might only show you deals that pay them a referral fee, so you could miss out on lenders ready to give you better terms.
Below is what we believe is the most comprehensive list of current student loan refinancing lenders. You should take the time to shop around. So set aside a day and apply to as many as you feel comfortable with to get a sense of who is ready to give you the best terms.
SoFi was one of the first lenders to start offering student loan refinancing products. More MagnifyMoney readers have chosen SoFi than any other lender. The only requirement is that you graduated from a Title IV school.
In order to qualify, you need to have a degree, a good job and good income. Bottom line Bottom line. SoFi is really the original student loan refinance company, and is now certainly the largest. SoFi has consistently offered low interest rates and has received good reviews for service.
SoFi has taken a radical new approach when it comes to the online finance industry, not only with student loans but in the personal loan, wealth management and mortgage markets as well. With their career development programs and networking events, SoFi shows that they have a lot to offer, not only in the lending space but in other aspects of their customers lives as well. Earnest focuses on lending to borrowers who show promise of being financially responsible borrowers. Because of this, they offer merit-based loans versus credit-based ones.
Earnest, who was recently acquired by Navient, is making a name for themselves within the student refinancing space. With their flexible repayment options and low rates, they are definitely an option worth exploring. CommonBond started out lending exclusively to graduate students. Over time, CommonBond has expanded and now offers student loan refinancing options to graduates of almost any university graduate and undergraduate.
CommonBond not only offers low rates but is also making a social impact along the way. Consider checking out everything that CommonBond has to offer in term of student loan refinancing. LendKey works with community banks and credit unions across the country. Although you apply with LendKey, your loan will be with a community bank.
Over the past year, LendKey has become increasingly competitive on pricing, and frequently has a better rate than some of the more famous marketplace lenders. LendKey is a good option to keep in mind if you are looking for an alternative to big bank lending. If you prefer working with a credit union or community bank, LendKey may be the route to uncovering your best offer. As a lender,Laurel Road Bank prides itself on offering personalized service while leveraging technology to make the student loan refinancing process a quick and simple one.
Consider checking out their low-rate student loan refinancing product, which is offered in all 50 states. Citizens Bank offers student loan refinancing for both private and federal loans through its Education Refinance Loan. No degree is required to refinance: If you are a borrower who did not graduate, with Citizens Bank, you are still eligible to refinance the loans that you accumulated over the period you did attend.
In order to do so, borrowers much no longer be enrolled in school. Citizens Bank offers a 0. You lose certain protections if you refinance a federal loan: Any time that you refinance a federal loan to a private loan, you will give up the protections, forgiveness programs and repayment plans that come with the federal loan. The Education Refinance Loan offered by Citizens Bank is a good one to consider, especially if you are looking to stick with a traditional banking option.
Consider looking into the competitive rates that Citizens Bank has to offer. Discover, with an array of competitive financial products, offers student loan refinancing for both private and federal loans through their private consolidation loan product. Just keep in mind that if you apply for a student loan refinance with Discover, they will do a hard pull on your credit.
In addition to the Top 7, there are many more lenders offering to refinance student loans. Below is a listing of all providers we have found so far. This list includes credit unions that may have limited membership. We will continue to update this list as we find more lenders:. Instead, you should look at options to avoid a default on student loan debt. Check the Federal loan repayment estimator to make sure you see all the Federal options you have right now.
If you can afford your monthly payment, but you have been a sloppy payer, then you will likely need to demonstrate responsibility before applying for a refinance. But, if you can afford your current monthly payment and have been responsible with those payments, then a refinance could be possible and help you pay the debt off sooner.
Like any form of debt, your goal with a student loan should be to pay as low an interest rate as possible. Other than a mortgage, you will likely never have a debt as large as your student loan. If you are able to reduce the interest rate by refinancing, then you should consider the transaction. However, make sure you include the following in any decision:. Many lenders have no fee, which is great news. If there is an origination fee, you need to make sure that it is worth paying.
If you plan on paying off your loan very quickly, then you may not want to pay a fee. But, if you are going to be paying your loan for a long time, a fee may be worth paying. Variable interest rates will almost always be lower than fixed interest rates. But there is a reason: We are currently at all-time low interest rates. This is a judgment call.
Just remember, when rates go up, so do your payments. And, in a higher rate environment, you will not be able to refinance your student loans to a better option because all rates will be going up. We typically recommend fixing the rate as much as possible, unless you know that you can pay off your debt during a short time period. But, if you think you will pay it off in five years, you may want to take the bet.
Some providers with variable rates will cap them, which can help temper some of the risk. You can also compare all of these loan options in one chart with our comparison tool. It lists the rates, loan amounts, and kinds of loans each lender is willing to refinance. You can also email us with any questions at info magnifymoney. Nick Clements is a writer at MagnifyMoney. You can email Nick at nick magnifymoney.
This site may be compensated through a credit card partnership. Looking for a balance transfer credit card to help pay down your debt more quickly? This guide will show you the longest offers with the lowest rates, and help you manage the transfer responsibly.
It will also help you understand whether you should be considering a transfer at all. You have only 60 days from account opening to complete your balance transfer and get the introductory rate. You can provide the account number for the account you want to transfer from while you apply, and if approved, the bank will handle the transfer. If you think it will take longer than 15 months to pay off your credit card debt, these credit cards could be right for you.
It is almost always better to pay the fee than to pay a high interest rate on your existing credit card. You can calculate your savings including the cost of the fee at our balance transfer marketplace. These deals listed below are the longest balance transfers we have in our database. Each credit card company has their own criteria, and you might still be approved by one of the companies listed below. This is a basic balance transfer deal with an above average term.
With this card, you also have the ability to earn cash back, and there is no late fee for your first missed payment and no penalty APR. Hopefully you will not need to take advantage of these features, but they are nice to have. After the intro periods end, a This provides plenty of time for you to pay off your debt. There are several other perks that make this card great: If you think it will take longer than 2 years to pay off your credit card debt, you might want to consider one of these offers.
The longest offer can give you a low rate that only goes up if the prime rate goes up. There is also no balance transfer fee. Just about anyone can join Unify Financial Credit Union. The deal is you get the prime rate for 3 years with no intro balance transfer fee. In order to be approved for the best balance transfer credit cards and offers, you generally need to have good or excellent credit.
If your FICO score is above , you have a good chance of being approved. If your score is above , you have an excellent chance. However, if your score is less than perfect, you still have options. Your best option might be a personal loan. You can learn more about personal loans for bad credit here. There are balance transfers available for people with scores below The offer below might be available to people with lower credit scores.
However, it will still be better than a standard interest rate. If you use this offer to pay down debt aggressively, you should see your score improve over time and you will be able to qualify for even better offers.
That way you can apply with more confidence. If you use your credit card at an ATM, it will be treated as a cash advance. And there is no grace period, so interest starts to accrue right away. A cash advance is expensive, so beware. If you do not make your payment on time, most credit cards will immediately hit you with a steep late fee. Once you are 30 days late, you will likely be reported to the credit bureau.
Late payments can have a big, negative impact on your score. Just automate your payments so you never have to worry about these fees. Most balance transfer offers are from the date you open your account, not the date you complete the transfer. It is in your interest to complete the balance transfer right away, so that you can benefit from the low interest rate as soon as possible.
With most credit card companies, you will actually lose the promotional balance transfer offer if you do not complete the transfer within 60 or 90 days. Just get it done! Your goal with a balance transfer should be to get out of debt. If you start spending on the credit card, there is a real risk that you will end up in more debt. Additionally, you could end up being charged interest on your purchase balances. In other words, you lose the grace period on your purchases so long as you have a balance transfer in place.
Credit card companies make balance transfer offers because they want to steal business from their competitors. So, it makes sense that the banks will not let you transfer balances between two credit cards offered by the same bank. If you have an airline credit card or a store credit card, just make sure you know which bank issues the card before you apply for a balance transfer. The calculator will show you which cards offer you the most savings on interest payments.
But you might feel more comfortable with a single fixed monthly payment, and a single real date your loan will be paid off. A lot of new companies are offering great rates on loans you can pay off over 2, 3, 4, or 5 years. You can find the best personal loans here. Use our calculator to see how your payments and savings will compare. It depends, some credit card companies may allow you to transfer debt from any credit card, regardless of who owns it.
Though, they may require you to first add that person as an authorized user to transfer the debt. Just remember that once the debt is transferred, it becomes your legal liability. Most banks will enable store card debt to be transferred. Just make sure the store card is not issued by the same bank as the balance transfer credit card. Here is a simple test. Divide your credit card interest rate by You can use that simplified math to get a good guide on whether or not you will be saving money.
And if you want the math done for you, use our tool to calculate how much each balance transfer will save you. With all balance transfers recommended at MagnifyMoney, you would not be hit with a big, retroactive interest charge. You would be charged the purchase interest rate on the remaining balance on a go-forward basis.
But all balance transfers recommended by MagnifyMoney do. Many companies offer very good deals in the first year to win new customers. Or your cable company could offer a big discount on the first year if you buy the bundle package. Credit card companies are no different. These companies want your debt, and are willing to give you a big discount in the first year to get you to transfer.
But, if you neglect making payments and end up with a balance post-intro period, you can easily fall into a trap of high debt — similar to the one you left when you transferred the balance. Balance transfers can be easily completed online or over the phone. After logging in to your account, you can navigate to your balance transfer and submit the request.
If you rather speak to a representative, simply call the number on the back of your card. For both options, you will need to have the account number of the card with the debt and the amount you wish to transfer ready. You will be charged a late fee by missing a payment and may put your introductory interest rate in jeopardy. Many issuers state in the terms and conditions that defaulting on your account may cause you to lose out on the promotional APR associated with the balance transfer offer.
To avoid this, set up autopay for at least the minimum amount due. Balances can only be transferred between cards from different banks. Many credit card issuers will allow you to transfer money to your checking account. Or, they will offer you checks that you can write to yourself or a third party. Check online, because many credit card issuers will let you transfer money directly to your bank account from your credit card. In most cases, you cannot. However, if you transfer a balance when you open a card, you may be able to.
Some issuers state in their terms and conditions that balance transfers on new accounts will be processed at a slower rate compared with those of old accounts. You may be able to cancel your transfer during this time.
Yes, it is possible to transfer the same debt multiple times. Just remember, if there is a balance transfer fee, you could be charged that fee every time you transfer the debt. You can call the bank and ask them to increase your credit limit. However, even if the bank does not increase your limit, you should still take advantage of the savings available with the limit you are given. Transferring a portion of your debt is more beneficial than transferring none. Yes, you decide how much you want to transfer to each credit card.
No, there is no penalty. You can pay off your debt whenever you want without a penalty. You literally pay nothing to transfer your balance and can save hundreds of dollars in interest had you left your balance on a high APR card. Check out our list of the best no-fee balance transfer cards here. However, those cards tend to have shorter intro periods of 15 months or less, so you may need more time to pay off your balance.
At least two months before your existing intro period ends, start looking for a new balance transfer offer from a different issuer. This can provide you with the additional time needed to pay off your balance. You can apply for the card without joining first. After the intro period, an APR of The good news is you can apply and get a decision before you become a member of the Alumni Association.
There is an Anyone can join Premier America by becoming a member of the Alliance for the Arts. You can select that option when you apply. And you can apply without being a member. You can apply as a non-member online to get a decision before joining. The APR after the intro period ends is This deal is easy to find — Chase is one of the biggest banks and makes this credit card deal well known. Our handy, free balance transfer tool lets you input how much debt you have, and how much of a monthly payment you can afford.
It will run the numbers to show you which offers will save you the most for the longest period of time. Before you do any balance transfer though, make sure you follow these 6 golden rules of balance transfer success:. Hannah Rounds is a freelance writer who covers consumer finance, investing, economics, health and fitness.
She received her bachelor's degree in Economics from Furman University. Are debt collectors hounding you over debts that fell into collections years ago? Before you throw up the white flag and prepare to make a payment, do a bit of research first. Should I pay off old debts or new debts first? Different types of debt, different statute of limitations.
The statute of limitations on debt is the length of time that debt collectors have to sue you to collect old debts. Once the statute of limitations passes, debt collectors lose a bit of their power. Collectors who cannot sue you cannot win a court order for repayment. Of course, establishing the statute of limitations on an old debt can be tricky.
When was your last payment? What are the records on it? In that case, Rheingold advises consumers to seek legal help right away. If a debt has passed the statute of limitations in your state, it is considered a time-barred debt. You legally still owe time-barred debts, and collectors can still attempt to collect the debts by calling you or mailing you letters. Even so, many consumers feel as if making a payment is the best way to get the debt collector off their back, or they may feel as if making a payment is the best way toward improving their credit.
Both of these assumptions, unfortunately, are wrong and could do more harm than good for your financial picture. Think carefully before you make a payment on an old debt — in some states, a small debt payment, or even an agreement to pay a time-barred debt, can reset the statute of limitations. When a formerly time-barred debt comes back to life, it is called a Zombie debt. These are steps you should take before making any agreement with a debt collector. The debt collector must answer truthfully if they know whether a debt is time-barred.
However, a debt collector may not know the answer, or may decline to answer the question. An attorney or a credit counselor can help you make the right choice about whether to repay the debt. Do not agree to a payment plan. Even a promise to repay an old debt could reset the statute of limitations. Before agreeing to any sort of repayment plan, talk to a nonprofit credit counselor or an attorney.
Do not make a partial payment on the debt. Making a small payment towards your debt may reset the statute of limitations on debt. Write a cease and desist letter: Consumers can write to debt collectors to ask collectors to cease all forms of communication.
You can use these templates to help you write to collectors. Seek legal help if necessary: People who cannot afford legal help can seek out free legal assistance from local Legal Aid.
Calls from debt collectors may push you to prioritize old debts over new debts. But if you must decide between paying current debt accounts and paying off old debts, it makes sense to focus on current debts. Unfortunately, paying off old debts, especially time-barred debts, is usually not the best use of your money.
Once a debt falls into collections, the damage to your credit score is done. Over time, the negative effect of the collections account will lessen. On the other hand, paying your current debts on time and in full will help you build your credit score.
Once an account falls into collections, the damage to your credit is as bad as it gets. Only time and adding good information on your credit report, like on-time payments on new accounts, will help your credit score recover. Even if you pay the old debt, lenders will see that the debt went into collections. In some cases, a new lender may recommend that you pay off an old account, so you can take out a new loan.
Only start addressing old debts if you have extra cash in your budget. One method for dealing with debts in collections is to negotiate a settlement offer.
Depending on the age of your debt and your financial situation, many debt collectors will settle a debt for pennies on the dollar. When it comes to settling old debts, Rheingold warns that consumers should watch out for debt settlement companies.
Debt settlement companies negotiate settlement offers for consumers that have debts in collections. After a successful settlement, the company charges you a percentage of the savings or a percentage of the original debt. However, although debt settlement seems like a valuable service, debt settlement companies are not experts in debt law, and their actions could lead to reviving a time-barred debt.
If you wish to deal with old debts, and you have the financial means to pay them off, consider consulting with a non-profit credit counselor or a debt settlement attorney before engaging with collectors. The time at which a debt becomes time-barred depends on several factors, including the type of contract governing debt.
These are the five types of contracts that may govern debt. Oral contracts are spoken agreements between two parties. Simply promising to repay an old debt could create a new oral contract. Most debts are loans with written contracts. The statute of limitations on written contracts will govern most debts. In some states, open ended accounts including credit cards or retail credit cards are treated differently than other forms of debts with written contracts.
In those states, a unique statute of limitations governs open-ended accounts. In general, the statute of limitations on promissory notes is longer than the statute of limitations on other types of contracts. Hannah Rounds is a writer at MagnifyMoney. You can email Hannah here.
Nobody seeks out illness, job loss, divorce or any other financial catastrophe, but sometimes things happen. Many people will accumulate overwhelming debt loads as a result of such hardship.
If the burden of your debt is too much for you to afford, what can you do? The worst thing to do is jump into a debt relief program without educating yourself. Chapter 7 bankruptcy, also known as liquidation bankruptcy, offers comprehensive debt relief. In liquidation bankruptcy, a court-appointed bankruptcy trustee sells certain assets called unprotected assets , and the proceeds are used by the trustee to repay your creditors.
Following the distribution of funds, the court discharges the remaining eligible debts. That means you no longer owe the debt and collectors cannot contact you about the debt. Although Chapter 7 bankruptcy requires selling off your valuables, filing may not leave you penniless.
Filers can keep protected assets, such as personal items and money in retirement accounts. Most states allow filers to keep a small amount of cash and some amount of equity in vehicles or homes. Chapter 7 bankruptcy is available to anyone earning less than the median monthly income for a family of your size in your state. Some people have too many unprotected assets to make Chapter 7 bankruptcy a reasonable option. Chapter 7 bankruptcy may force people into selling paid off cars, tools for operating their business or other important assets.
In those cases, Chapter 13 bankruptcy or other types of debt relief may be a better option. Filers must also pay filing and court fees, which adds several hundred dollars to the cost of bankruptcy. In general, all fees have to be paid before your attorney will file your case. Bankruptcy stays on your credit report for 10 years after filing, but your credit score can recover.
You can take steps to grow your credit score immediately following Chapter 7 bankruptcy. In some cases, bankruptcy filers choose to reaffirm debts as part of the bankruptcy agreement. That means they agree to continue paying certain loans such as a car loan or mortgage as agreed.
Making those payments can increase your credit score over time. Making timely payments on a secured credit card can also help you rebuild your score. Filing for bankruptcy becomes less significant as time passes and you continue to display positive financial management on your credit report. Aside from Chapter 7 bankruptcy, many consumers file Chapter 13 bankruptcy. Chapter 13 bankruptcy allows you to keep all of your assets, but it comes with a downside.
Chapter 13 bankruptcy involves a debt payment plan that lasts three to five years. On top of that, the fees for Chapter 13 bankruptcy can be much higher than the fees for Chapter 7 bankruptcy.
A debt management plan is a new payment schedule for paying off existing debts. These plans are created and administered by nonprofit credit counseling companies. Under the plan, credit counselors will consolidate your credit card debts, unsecured personal loans and bills in collections into a single, monthly payment. The agency may be able to reduce interest charges, get old fees waived and even extend the length of time you have to pay a loan. In general, when you agree to a debt management plan, your creditors close down your lines of credit.
This means that you cannot use your credit cards during the repayment plan. Dunn told MagnifyMoney that some people keep one credit card with a low balance off the debt management plan.
This allows people to keep a source of credit available for emergencies. This reduces your length of credit history and results in an immediate drop in your credit score; however, most people can regain the lost points in six to twelve months. The creditors may also attempt to collect your debts through other means.
Many people confuse nonprofit credit counseling companies with for-profit debt settlement companies. Debt settlement companies do not offer credit counseling services, and instead, work to help you pay off debts that are already in collections. When you settle debt, you agree to pay a creditor a portion of the debt you owe. Debt settlement companies will negotiate with creditors on your behalf. For example, credit card lenders may be more willing to settle your debts than business lenders.
Legally you will own the funds in this account and have complete control over the account at all times. Other companies may be willing to work with you to negotiate new payment plans. Tayne explained that she negotiates installment plans on behalf of her clients.
The fee structure of a debt settlement attorney or company will heavily affect your overall costs. Contingency fees fees based on a percentage of savings incentivize your attorney to negotiate the amount you owe as low as they can. Debt settlement companies cannot legally charge you any money unless they have successfully negotiated at least one debt for you. You must pay your creditor before the debt settlement company can collect its fee.
Once an account is in collections, settling the debt will not cause any further damage to your credit score. In some cases, settling debts could actually raise your credit score. Strategically defaulting on debt may sound reasonable, but it can expose you up to a variety of risks. When you stop paying your bills, your creditor may charge you higher fees and interest. Defaulting on debt will lead to negative marks on your credit report. Negative information will stay on your credit report for seven years.
Finally, your creditors may sue you if you default on a debt. Due to legal risks, Tayne recommends working with a debt settlement attorney rather than a debt settlement company. Creditors may be more willing to work with individuals than debt settlement companies, but settling debts on your own presents its own risks. The CFPB sets out a three-step process for negotiating settlements with your creditors.
The process recommends understanding your debts, proposing a solution and negotiating a realistic agreement. During the final step, the CFPB recommends enlisting the help of an attorney or credit counselor to help you with the negotiations. In reality, it can be a lot of work. The real value that I bring is that I do this day in and day out. That said, if money is tight, settling debts on your own could be the right option for you.
Below we explain how to work through your own debt relief program. Making your own debt relief plan may seem overwhelming, but it is possible to find debt relief without paying for outside help. Use the following tips to be successful with your own debt relief plan. A DIY debt relief plan requires executing a well-thought-out plan.
Put a stop to creditor harassment instead of sending your money to the most threatening collector. The CFPB provides sample letters that can help you deal with debt collectors.
These letters can stipulate when and how a debt collector can contact you. While collectors can still sue you, they cannot legally contact you.
Once you have the creditors at bay, the first step in resolving your debt is knowing what you owe. Specifically, you will need to know how much money you owe, who owns the debt, the interest rate on the debt, the minimum monthly payment on the debt and whether the debt is in good standing. You can find most of this information from your credit report which you can get for free from AnnualCreditReport. You can find the exact amount you owe and the interest rate on current debts from the most recent billing statements from your lenders.
Once a debt is in collections, it has already damaged your credit score. Only time and adding good credit information to your report will fix the damage. This guide offers step-by-step guidance on how to eliminate credit card debt as fast as possible.
If you have student loans, you may want to consider opting into an income-driven repayment plan. These plans will reduce your monthly payments, so you can put more money toward high-interest credit card debts.
For credit card debts, unpaid medical bills and other related debts, you may want to consider a debt consolidation loan. Debt consolidation loans are unsecured personal loans with fixed interest rates and fixed repayment schedules. They allow you to roll all your payments into a single payment, reduce your interest rate and in some cases increase your credit score.
Debt consolidation loans are an effective option for people who have enough income to support the monthly loan payments. A certified credit counselor could help you create a budget if you need help. A credit counselor or a consumer advocacy attorney may also be able to advise you if the statute of limitations on your debt has expired. When the statute of limitations on debt expires, debt collectors can no longer sue you to collect.
If you determine that you still want to pay off your debt in collections, you can propose your payoff plan to your creditor. Do not put any money toward debts in collections unless you get a payoff agreement in writing. Although a DIY debt relief plan is a low-cost way to get rid of debt, you may need help.
Additionally, credit counselors that work for nonprofit companies may be able to help you understand your best options, such as through the FCAA or NFCC. If you choose to work through overwhelming debts on your own, you could run into some scams. The following are red flags that someone or some company might be trying to scam you:.
Seeking advice from a bankruptcy attorney or a certified credit counselor is a good place to start. When you know more about your debt relief options, you can make a plan to get back on track financially.
Those with debts in good standing may find relief from debt management plans, consolidating your debts or by taking advantage of promotional balance transfers. And then there are books, fees, transportation and living expenses to consider. Even students who find high-paying summer associate positions may wind up with six-figure student loan debts to repay after graduation.
Attorneys can also find high-paying positions, and those looking to go into lower paying legal work may be eligible for a range of student loan forgiveness and repayment assistance programs. Law school forgiveness and repayment programs. The average student loan balance can vary greatly depending on the school you attend.
News and World Report publishes a list of law schools with the average indebtedness among those who took out law school loans. Among all law schools, the average student loan debt is near or above the six-figure mark according to Law School Transparency LST , a nonprofit that analyzes and shares data about the legal profession. So my good people of Canada , you can contact him via e-mail: At first, I never wanted to make any transaction with they.
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For example, in recent years the insurance industry has paid out unprecedented claims for weather related losses ranging from monster typhoons like Hurricane Katrina , to a record number of deadly tornadoes. These storms have proven the sophisticated risk forecasting models, based on the past century of weather data, to be unreliable predictors of the true exposures faced by the industry.
The Casualty Actuarial Society noted that sustainabilty and climate risks are challenging for insurers to price. The failure to address climate risk has surfaced as a concern for shareholders liability claims in some countries. Executives seeking short term profits at the expense of long term business viability are far more likely to lead companies to default on debt, suffer major cuts in bond ratings, and create massive layoffs. The insurance industry pays for this through adverse health effects on employees and increases in frequency and severity of workers compensation claims.
The economy plunged into a recession when the unsustainable and murky practices of lenders left key financial institutions holding the bag on worthless mortgages. In addition to the obvious impact on mortgage and financial guarantee insurers, the industry as a whole suffers when investment incomes fall.
A significant portion of insurer profitability is based on the investment income earned by insurers from the time they take in premiums until the time the pay out claims. The implications of declining investment income are both profound and immediate. If insurers cannot rely on this income then they will need to earn more in premium through higher rates to compensate for lower investment earnings. This means that insurers compete for fewer or at best a stable number of policyholders, which leads to lower prices even while investment income declines.
According to a United Nations Report entitled Insuring for Sustainability , sustainability should be an integral part of everything that we do.
Insurance Working Group IWG members identified nine global sustainability issues that are vital for this generation of insurers to consider due to their urgency, the scale of their potential impacts and the integral role that the insurance industry can play in dealing with them: Climate Change Note that there is one new post on just this issue of climate change and insurance.
The interaction among these issues is described in detail in the U. Their report on sustainability was included in their Corporate Social Responsibility report. The report provides a good overview of the subject and the business reasons for having sustainable business practices touching on corporate goals such as:.
One Report writer William Baue reported on a summit of insurance industry executives representing over 30 companies, regulators, institutional investors, and environmental groups gathered to discuss sustainability and insurance and to search for common interests. Health, Ecological and Economic Dimensions. Swiss Re also co-sponsored the production of a film on climate change that aired in in Canada as The Great Warming and later aired in the U.
The Signs and The Science. Thus, the leverage insurance companies stand to gain by incorporating sustainability topics is considerable. The role of insurance companies as investment vehicles is signifcant as well. By making sure that their investments go to corporations that follow sustainable business practices the industry is in a position to help "pick the winners".
Another company becoming involved is State Farm where agents are becoming hands on with sustainability. Menzinger in an article on one-report. If a company is assessed to be doing particularly well on their environmental, social, and governance ESG performance, then their premium would more likely go down, according to Mr.
On the other hand, if the assessment shows they are a higher risk because they are not doing as good a job on their ESG issues, then it is more likely their premium would go up. Evan Mills at the University of California, has published a number of books and articles on the insurance industry and sustainability.
Some additional ways in which the industry supports sustainability includes: Publishing reports and alerting the proper authorities about public dangers such as dangerous intersections and potentiallly dangerous products.
New Insurance Products and Innovation Another space where insurers are addressing sustainability is in product development. This has been especially prevalent with respect to property insurance. An AAIS article describes the different ways many companies are offering green property products. Lexington, an AIG company. Liberty Mutual has intitiatives related to green building endorsements.
The following described this in Risk and Insurance magazine. The below Case Study is part of a continuing series designed to highlight key products and services to our readers. Additional Case Studies can be found on our Web site at http: According to the Green Survey: Existing Buildings, funded by the U.
Green buildings are designed to be more efficient in their use of energy, water and other resources and to create better working environments for their occupants. Despite the current economic environment and some perceived obstacles to green building, the benefits remain significant. In addition to reducing energy costs and improving the health and well-being of occupants, green buildings have lower operating costs, higher building values and higher occupancy rates, notes Ann Butterworth, director of property underwriting at Boston-based Liberty Mutual Property.
Green builders may also be able to take advantage of continued government incentives, such as tax breaks and abatements. Even if a company is not yet going green, it can still benefit from green insurance coverage. There are two key certification organizations available for property owners looking to begin the green process.
While the cost of certification has often been cited as an obstacle to building green, many believe the return on investment far outweighs the initial costs. Liberty Mutual Property recently introduced a collection of new commercial property coverages designed for business owners interested in undertaking green building ventures. In the event of a loss to a LEED or Green Globes certified building, the policy would pay for the costs involved in upgrading to green-certified building products, the fees necessary to achieve the next level higher of certification, debris recycling, vegetative roofing systems and recommissioning costs.
In addition, the policy would pay for a delay in operations if, after a loss, the upgrade or rebuilding of a green property took longer. The demand for green building is currently outweighing the initial costs and concerns about yet-unknown risks.
Because many construction materials and green building techniques are relatively new, there is concern as to whether the materials will work as promised. While the cost of using green products may initially be higher, green buildings are expected to provide less exposure to loss over the long term.
We also value our relationships with risk managers and building owners who look for preventive measures and quality, who see green buildings as an advantage and who are actively looking to reduce their risk. Because the green building industry is so new, Liberty Mutual is continuing to do as much research as possible to collect data on the pros, and possibly cons, of going green. Insurers have both a social interest and a commercial interest in microinsurance, sometimes as part of their own geographic diversification.
By providing microinsurance to individuals, cooperatives, and small businesses, insurers can help reduce poverty, and the vulnerability of poor populations due to accidents and illnesses. Through the use of microinsurance, insurers can help establish the cultural infrastucture for insurance products in emerging markets. They may also bring new skills sets; larger commercial insuers offer technical skills and underwriting capacity that local insurers may not have, and provide technical competencies to microfinance institutions.
Microinsurance can reduce credit default risk on the people and property involved in microloans. By reducing this risk, microinsurance increases the availability of microloans and may reduce the financing cost of microcredit. While poor people often improve their financial positions with microcredit, they easily fall back into poverty as soon as they face a financial crisis such as the death of a breadwinner, payment of essential health care costs, or the loss of productive assets.
This, in turn, will make it possible for more products to get to low-income markets, improving the risk management capabilities of the poor and decreasing their vulnerability. Microinsurance explains the use of the Microinsurance Note Series to this end. By linking life insurance to the credit—often on a mandatory basis—MFIs had the assurance that the loan would be covered should the borrower die.
Credit life products, therefore, still account for most of the microinsurance policies sold to date. However, the microinsurance industry is still likely to encounter challenges such as building a wide network to achieve a critical mass of clients, establishing efficient administration and management systems, overcoming lack of trust and insurance awareness among the population, the creation of affordable products, and the control of moral hazard, fraud, and antiselection.
The article From Microcredit to Microinsurance details other challenges faced with the rise of microinsurance as a fully fledged and recognised global industry service. Different microinsurance products can help low-income households manage different risks. The USAID Microenterprise Development office helps with risk management by offering financial products such as savings, insurance and remittances—that could help households mitigate their risk and prevent the depletion of their assets in the case of shock.
The Microfinance Gateway website includes articles and documents on different microinsurance products such as life insurance, health insurance, agriculture insurance and livestock insurance, among others. Based on the lessons learned from a project launched by the CGAP Working Group on Microinsurance analyzing operations around the world, this volume covers microinsurance product design, marketing, premium collection and governance.
It also discusses the various institutional arrangements available for delivery, the roles of key stakeholders, and strategies for achieving the right balance between coverage, costs and price. The CGAP Working Group on Microinsurance seeks to promote the development and proliferation of insurance services for low-income persons through stakeholder coordination and information sharing.
Its main development activities include developing donor guidelines, documenting case studies of insurance products and delivery modes, commissioning research on key issues such as the regulatory environment for microinsurance, supporting innovation that will expand the availability of appropriate microinsurance products, proposing performance indicators for microinsurance, and supporting a newsletter and website. CGAP case studies, as well as others, can be found here.
Such iniatives hightlight the importance of sustainability, and the critical role of stable partnerships in the new markets. In , the country of Malawi, working with piloted a program for drought insurance to cover local farmers. Now, they are working with the Ethiopian government to expand the programme for three years from Another example is The Munich Re Foundation , which seeks to find innovative solutions in the context of international population development and globalisation and their impact on the future of humanity in countries in different stages of development.
The South African National Treasury department issued a paper examining the future of regulation on micro-insurance. Paralife is in insurance company that offers microinsurance life products to people with disabilities in emerging market countries. These are people who would not normally be insurable in those countries because of their disabilities.
The Microinsurance Centre website provides a glossary of microinsurance terms, a list of resources related to microinsurance and links to other related organizations including a link to insurers and reinsurers involved in microinsurance. Other entities also support the work of microinsurance, including governmental and non-governmental organizations. To link microenterprises to greater opportunities for growth, which includes integrating them on more favorable terms into the formal economies of their countries and connecting them to expanded information and resource networks.
In their plan, borrowers pay interest on their loans — enough to cover the expense of making a loan. In this way, each borrower helps finance the cost of lending to the next. The more people the program reaches, the more resources it has to reach even more people. Another microenterprise development agency, Micro Insurance Agency Holdings, Inc provides emerging entrepreneurs with access to small loans and training that will enable them to start or expand their businesses.
As business income increases, the business is able to expand, and the effect spreads beyond the family into the local community, through employment and contribution to the local economy. Thus, the benefits of microenterprise development help grow not just businesses, but stronger communities as well. Microfinance Opportunities focuses its initiatives in research, training, and technical assistance on three fundamental themes: Working with institutions within and beyond the microfinance sector, they have developed a range of projects addressing client-focused issues in each of these three core areas.
Allianz has a report on microinsurance projects in three different countries. They offer a variety of examples of sustainable develop on their website at: The Munich Re Foundation website hosts one of the more comprehensive examples of sustainability projects is at http: Their reports can be found at https: Posted by Jim Jones at Tom Bristow October 11, at 3: Evelyn Russell November 6, at 9: January 24, at Annie Joe March 22, at Dr Aliu Shadira March 29, at Sofia Darius April 7, at 3: George Mason April 9, at 3: Annie Joe April 18, at Calvin Brock March 16, at 2: Alen paul December 20, at 5: Mohammad Junaid May 13, at 2: Mike tyson June 25, at 4: Louis Armstrong October 27, at 2: Justin Gaberial November 28, at Mike Tyson December 12, at 2: Enrich John January 8, at 2: Jennifer Lawrance January 11, at Froodo February 9, at 2: Mickey James February 13, at 2: Jones Methews March 13, at 4: Dawn Martin June 18, at 5: Adellie June 26, at 6: Sheamus July 12, at 9: Sheena Martin July 13, at 1: Shiya Priya September 4, at 1: Catherine Aird October 7, at Tom Cruise December 17, at 3: Tom Cruise December 18, at Mrs Sharon Sim January 6, at 5: Jackie O'Brien January 18, at 9: Atick Rahman February 17, at 9: G Master February 23, at 1: John Smith March 8, at 1: Charan K March 10, at 3: Solartis March 23, at Alex Steve March 30, at John Smith April 1, at 9: Roy April 5, at 6: Roman Role May 6, at Albert Jhon May 9, at Yashika Yamini May 12, at Dr Purva Pius June 1, at Solartis June 7, at 2: Akansha Singh July 15, at 6: John Thomas July 27, at Neil Nash August 4, at 5: Akansha Singh August 13, at 7: Anonymous August 16, at 5: Safety Professionals August 21, at Sathya G August 28, at Akansha Singh August 30, at 6: Simson Softwares August 31, at Aarti Singh September 17, at 5: Kabali Khan October 8, at 1: Business Spider October 29, at 1: Hiedi Clayton November 12, at Apu Mridha November 17, at 3: Dr Purva Pius November 22, at 1: Hristo Yanev November 25, at 1: Cory Anderson December 14, at 9: Mohamed Nasir December 26, at 4: Itx Entertainment February 13, at 3: Sara DAr February 13, at 4: Unknown February 26, at 7: Eisha Baloch March 2, at 5: Kabir Rajput March 2, at 5: Adil March 2, at 5: Unknown March 3, at 5: Luciano Ruocco March 9, at 7: Ahana Kothari March 21, at 6: Saurabh Singh April 12, at 2: Gowri Sharma April 17, at Manish kumar May 12, at 5: Nitesh Kumar May 15, at Wicky May 17, at 6: Animesh P May 26, at 6: Prvn Singh May 28, at Baskar J May 30, at Gowri Sharma June 2, at 7: Safety Professional June 4, at Harsha June 9, at 3: Jancy Jane June 12, at 5: Unknown June 18, at 7: GrayMatter Software Services June 21, at 3: Gowri Sharma June 27, at 3: Redhat Safety June 28, at 2: Ravi Kumar July 10, at 5: AOS Product July 10, at 5: Gowri Sharma July 14, at 3: Safety Professional July 23, at EpcWorld August 5, at Kaviya Kavi August 16, at 5: Varun Nithya September 20, at Abigail David September 25, at 3: Muntazir Abbas November 16, at 3: Purva Sharegistry December 27, at Sunil Jacob January 15, at 5: Dr Purva Pius January 19, at 9: Eichie Odion February 4, at Unknown February 9, at 1: Flora vilil February 9, at Uwe Luft February 10, at 6: Alex Jack February 14, at 8: Bryan Roland February 17, at Qari Sanaullah Pakistan February 17, at 9: Fms Tech February 19, at 4: Recall Alarms February 20, at 4: Md Kaisar Rahaman February 21, at 2: