http://www.isnare.com/?s=author&a=Melanie+Taylor Finances Melanie Taylor Fri, 10 Jul 2009 00:00:00 -0700 http://www.isnare.com/?aid=382314&ca=Finances A debt consolidation loan is a new loan you use to repay your existing debts in full, meaning that you will only have to make one payment each month instead of many. As well as simplifying your finances, it can also enable you to reduce your monthly outgoings by spreading out the loan repayments ove... Finances Melanie Taylor Fri, 10 Jul 2009 00:00:00 -0700 http://www.isnare.com/?aid=382348&ca=Finances If you've ever found yourself struggling with repayments to your credit cards, then you'll know how quickly the debt can grow. With a typical credit card carrying an interest rate of anywhere between 12% and 20%, making purchases on a credit card can mean you will have to repay a lot more than you h... Finances Melanie Taylor Sun, 05 Jul 2009 00:00:00 -0700 http://www.isnare.com/?aid=380577&ca=Finances When Debt Relief Orders (DROs) were introduced on April 6th 2009, many borrowers wondered whether this could help them put their debt problems behind them. For many, the DRO could represent a way to access the insolvency that they've so far been unable to afford - while bankruptcy costs around £500,... Finances Melanie Taylor Sun, 28 Jun 2009 00:00:00 -0700 http://www.isnare.com/?aid=379867&ca=Finances Debt management offers borrowers a way of dealing with the debt that they can no longer keep up with. The thought of lower monthly payments may sound like the most impressive benefit (and indeed it is, for many) but debt management offers other, less quantifiable benefits. For example, it means borr... Finances Melanie Taylor Sat, 27 Jun 2009 00:00:00 -0700 http://www.isnare.com/?aid=379509&ca=Finances Struggling with debt can be a difficult and stressful situation, and it's easy to feel like you will never be able to find a way out. More and more people are getting into trouble with debt these days, yet many are unaware of what help is available. In reality, even people with severe debt problems... Finances Melanie Taylor Tue, 23 Jun 2009 00:00:00 -0700 http://www.isnare.com/?aid=379227&ca=Finances For many people with debts, debt consolidation can be a good way to bring them under control - or stop them getting out of control in the first place. Quite simply, consolidation involves taking out a new loan or mortgage and using it to pay off multiple smaller debts. By bringing their various debt... Finances Melanie Taylor Tue, 12 May 2009 00:00:00 -0700 http://www.isnare.com/?aid=377493&ca=Finances If you're struggling with debt, rest assured you're not alone. Whatever financial problems you're facing, you won't be the first. Millions of individuals before you have overcome problems with credit cards, loans and mortgage arrears - often with the help of professional debt specialists. Profession... Finances Melanie Taylor Tue, 12 May 2009 00:00:00 -0700 http://www.isnare.com/?aid=377556&ca=Finances When the nation's economy is doing badly, it makes sense to prepare for bad news. People tend to reduce their spending for all kinds of reasons. It might be because they've lost their job. It might be because they've seen their income fall, whether they're earning less in terms of bonuses, commissio... Finances Melanie Taylor Tue, 12 May 2009 00:00:00 -0700 http://www.isnare.com/?aid=377618&ca=Finances People in debt may be able to simplify their finances, reduce their monthly outgoings and reduce the interest rate they're paying on their debt with a debt consolidation loan. It's a simple idea: a new loan large enough to pay off the borrower's other debts in one go. This makes the monthly repaymen... Finances Melanie Taylor Mon, 11 May 2009 00:00:00 -0700 http://www.isnare.com/?aid=376834&ca=Finances Borrowers who can't keep up with their debt repayments may be interested to hear they can write off a portion of their debt with an IVA, assuming they meet the strict criteria for an IVA - and assuming they can supply the necessary level of commitment. An IVA (Individual Voluntary Arrangement) is a...