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Posted by / 20-Jul-2020 15:45

Consolidating debt with td canada trust

Credit card debt seems to have become a fixture in the lives of most adult Canadians, but fortunately, it doesn’t need to stay that way. There are many ways you can consolidate your credit card debt, all of which we’ve detailed below.

While we’ll always be the first to say that it’s much easier to get into debt than it is to get out of debt, there are still countless options out there for anyone looking to regain control of their spending and work toward becoming debt free. When it comes to consolidating your credit card debt, you have several options all of which can help you regain control of your finances and get on track to a better, debt free future.

You’ll work with a creditor counsellor who will: You’ll make your monthly payment(s) to your credit counsellor who will then distribute the money to the appropriate credit card company based on how much you owe and the agreement you came to.

Click here for more information on what to expect when you enroll in a DMP.

Another great way to offset some of the cost associated with consolidating and then paying down your credit card debt is to sell off assets.

This, of course, can be anything of value that you owe but don’t really need or use.

When you use a home equity loan or line of credit to consolidate your credit card debt, it works in the same way that an unsecured debt consolidation loan works.

A debt management program, on the other hand, is a good choice for those with a large amount of credit card debt they need to consolidate.For those with either bad credit or a large amount of credit card debt, this option may not be the best choice for you.One of the most important parts of debt consolidation is getting approved for a lower interest rate so that more of your hard-earned money is going toward actually paying down your debt instead of toward interest charges.This may be a good time to ask for help from your friends or family members if you’re having trouble coming up with the money you need to contribute to your debt consolidation efforts.Obviously, borrowing money from a friend or family member means you’ll still be in debt, but if you choose someone who you have a very open, honest, and trustworthy relationship with, you might be able to come up with a deal that could greatly reduce the stress your debt is putting on your finances.

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Just make sure you don’t sell anything that you actually need and or want as you’ll just be tempted to repurchase the item once you’ve paid off your debts and this could restart the cycle of poor spending habits that got you into debt in the first place.

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