Where can you get information on debt consolidation and reduction? It's really not that difficult to come across; and the debt consolidation information is usually available free in some localities! If you suffer a bad credit status, then you can get debt consolidation information by reading the free do-it-yourself kits at the local libraries and acting upon them. Debtors should go to the local public library to read debt self-help books that will direct you from beginning to end the steps of paying off or consolidating your debts right up to actual credit repair.

Most libraries will let you photocopy the forms inside the guides you'll find there. This means that you can just fill in the blanks and submit the papers to the original sources. By doing this, you will soon be on your way to debt relief. This is definitely one of the easiest sources of debt consolidation information.

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Most creditors prefer debt information in the form of a letter rather than a phone call, since the letters explain in more detail than an ordinary telephone message will and it is also hard evidence as well. In addition, letters are better for you, since, if you are being taken to court for debts owed, you will have written evidence too showing that at least you did make an effort to repay your debts. Written information will hold up in court and is better in any situation verses the word of mouth.

So, you should keep copies of all the letters you send and all the letters from your creditors. This ought to include recording phone conversations it is worth getting a machine, recording dates, recording time, and definitely recording the name of the person who called you. You should provide a precise|brief outline| of the conversation and store the files in a safe location. This could all be very important debt consolidation information.

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If you find faults on your bills or anything that seems weird, don't delay in taking it upon yourself to contact the creditors immediately. Also, if you own a credit card, and they try to force you to pay debts on damaged packages, remember that it is illegal in America for anyone to try to force you to pay for damaged goods, if you did not cause the damage yourself.

The Internet can be an equally good source of debt consolidation information, but not everyone has a computer or is competant at using it and debt is such a personal and often embarrassing subject that many people would be reluctant to ask someone to assist them search the web for debt consolidation information.

Debt consolidation is usually a long process, but if you get the right debt consolidation information, you will find a way to relieve your debt gradually and you will eventually reap the benefits of your efforts when you finally become debt free.

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Author's Bio: 

vincezo is an avid internet blogger, working together to inprove the insurance industry