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Debt Assistance News

Russia's Hottest Protest Song, Courtesy Of The Military Elite

An Internet hit is becoming the anthem for Russian protesters as they march against Vladimir Putin's rule. The musicians in the video aren't rock stars; they're veterans of the Russian army.

Egypt Sends Forty Three NGO Workers To Trial

Egyptian judges on Sun referred forty three NGO workers, including nineteen American people, to trial before a criminal court for allegedly being involved in banned activities and illegally receiving foreign funds.

Voting Their Own Way: ME's Extra-Long Caucuses

In the midst of a primary season where every state is trying to outdo the rest, ME is content to do caucuses its own way. The state's many small towns have long held individual caucuses any time between January and March, and the state GOP's efforts to reel them into a single week has had mixed success. Host Rachel Martin speaks with political writer Al Diamon.

Greece: Partial Agreement Reached With Creditors

The moment of truth has arrived for Greece. Sun the government must finally reach agreement on the terms of a $170-billion bailout from the so-called troika: the European Commission, the European Central Bank and the International Monetary Fund. John Psaropoulos reports from Athens.

Violence Rises In Syria As UN Falters

For nearly a year, Syria's government has sustained a violent crackdown against opposition protesters. The international community has struggled to agree on a unified response, and on Sat, the latest effort to bring pressure on Syria's leaders fell apart. Host Rachel Martin talks with NPR's Kelly McEvers, who is monitoring developments in Syria.

UN Ambassador Susan Rice Fumes At Syria Veto

The U.N. Security Council failed Sat to pass a resolution aimed at stopping the escalating violence in Syria. China and Russia vetoed the resolution despite days of high-level negotiations, including behind-the-scenes efforts by Secretary of State Hillary Clinton and the United States Ambassador to the U.N., Susan Rice. Host Rachel Martin talks with Rice, who says said the U.S. was disgusted by the double veto.

Curtain Rises On CO Caucuses

CO holds its Republican caucuses on Tues. Mitt Romney, Rick Santorum and Ron Paul have focused their attention there recently. The state will also be a key battleground in the general election contest. From Denver, Kirk Siegler of member station KUNC reports.

On Defense, Neither Super Bowl Team Wins

In football, defense wins championships, or so the saying goes. That hasn't been true recently. In fact, both teams in Sun's Super Bowl, the Giants and the Patriots, featured less-than-stout defenses through the season. NPR's Mike Pesca has some possible reasons why.

Support, Protest And Hiccups During The Nev. Caucus

Mitt Romney was the big winner in Sat's NV caucus, leaving runner-up Newt Gingrich in the dust. Organizers said tens of thousands of people participated in the West's first presidential contest of the year, and some of them were still taking part late into the night. NPR's Carrie Kahn reports.

Worshipers Kicked Out Of N.Y. School On Principle

For years, small churches have been meeting in NY City's public schools. One church, Grace Fellowship, has been gathering at PS-150 in Queens since 2006. In 1 week, though, they'll be evicted. Freedom for a church to take over a school and convert it to a house of worship is not what our Constitution stands for, says a civil liberties proponent.

Debt Consolidation & Debt Management Programs

Debt Consolidation is a term used to represent several different procedures that accomplish the same objective, consolidating your debt. One form of Debt Consolidation is an unsecured loan through a bank or private party with the proceeds used to pay off your unsecured debt. The problem with this form of Debt Consolidation is with today's tight financial markets, an unsecured loan from a bank or other financial insitution is difficult to obtain. However if you have a friend or family member willing to give you a loan, this may be a good option for you. Another form of Debt Consolidation is a home equity loan. This is where you borrow money secured by the equity in your home to pay off your unsecured debt. This is the least recommended option by financial experts for many reasons. The main reason being if you are struggling with debt now, you may in the future be forced to file for bankruptcy and the debt that was unsecured would now be secured by your home and would not be eliminated by the bankruptcy. The most common form of Debt Consolidation is also referred to as Debt Management.

A Debt Management Program involves a third party that represents you to negotiate with your creditors for a repayment plan that helps make debt repayments more affordable. The first step in a Debt Management Program involves you compiling a list of all your creditors and the amounts owed to each of them. The next step in a Debt Management Program involves you and your credit counselor completing a budget worksheet. Your total income and expenditures (mortgage or rent payments, car payments, cost of living expenses, etc.) are all totaled together. Then you and your credit counselor determine the maximum amount of money you have available for debt repayment. In next step of a Debt Management Program your credit counselor will negotiate with your creditors to exclude or reduce interest charged during the repayment period and eliminate any late and over limit fees already accumulated. The finally step of a Debt Management Program is for you to make all the required payments agreed to under the program. Any missed or late payments will result in you losing the program and your interest rates and payments going back up. It is important for you to understand that participating in a Debt Management Program will still impact your credit score. Also any available credit will be inaccessible until you complete the Debt Management Program.

If you’ve gotten to the point where you owe thousands of dollars in unsecured debt and you can no longer afford your payments, you may want to turn to a Debt Management Program for help. To find out if a Debt Management Program is right for you, fill out the form below for your free information, or call one of our certified credit counselors toll free 888-894-0777.

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