By Sean A. Kelly

Debt relief agencies offer solutions to all types of debt issues. Robinson had serious issues when debt on his personal loan had piled. He had taken the loan a few years back for an emergency, but had not been regular on his payments. As the interest rates on the loan were very high, the late payments and missed payments had added on the debt. Robinson had taken the loan for a short term commitment, but had not been able to repay the loan. His credit card debt had added on the debt list. All the late and missed payments for the bills on loan and credit card have resulted in negative report on his credit. Robinson was too worried about his debts and was looking for some ways to pay off the debts. He happened to read through the Freedom Debt Relief Reviews which invited him to sign up for a debt reduction program.

The debt settlement program Robinson signed for helped him to get off the debts earlier than he expected. The program had aggressive effect on his unsecured debts. The program helped Robinson move on from his debt burden. The best part of the program was that it demanded fees only after the customer’s debts were settled. The program had no advance fees or upfront fees or monthly fees. The agency consultants hold talks with customers to get optimal solutions for the debt issues. The agency may negotiate with the creditors to lower the balance due. When the agreement is made for the settlement, a new account for the settlement money is activated. The customer needs to make monthly payments to the new account. When the amount is accumulated enough for the settlement, the creditor is paid off. The amount remaining in the account may be taken as fees for the debt resolving process.

The debt settlement programs are opted for the reason that the customer may not have to deal with the negotiations and legal issues. The agency usually takes care of all the negotiations for lower rates, lower monthly payments and for lower balance dues. The experts and consultants of the agency may help by guiding customers with budget making and finance handling. The settlement programs usually settle for a balance amount much lower than the original amount. Sometimes, the interest rates may also be lowered, thereby making monthly payments affordable. Debt settlement is more often opted for than filing for bankruptcy. When a bankruptcy is declared by the customer the creditor tends to incur heavy loss. But, a settlement program when agreed by the creditor may help them get, at the least, a part of the balance amount. Debt settlement is considered better than bankruptcy.

Some debt settlement programs demand high fees for their services. Sometimes, the costs rise up to 15-20 % of the debt owed. Signing for a debt settlement program may have adverse effect on the credit scores. If the credit scores are fairly good, other debt relief options like debt consolidation loan can be opted for, as these programs may not have a negative effect on credit report. But, taking debt settlement programs may have negative effect on credit reports. The negative scores may stay for a longer time on the credit reports. Still, settlement programs are mostly prefered to bankruptcy, as filing for bankruptcy may have negative points on credit reports that may stay for ten or more years.

About the Author:

Freedom Debt Relief Reviews

Source:

isnare.com

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When Diabetes Comes Knocking – What are the Signs and Symptoms of Diabetes

by

Jeffrey Dale I don’t think anyone intentionally waits by the door for the “postman” to come knocking with some bad news. That’s unless you’re either a fortune teller making a bet, or nuts. Which is what I thought of my mother for a long time. In her opinion, she knows when the world is going to end! And true to her words, as she persistently put it to my carefree brother, “you are better off without all that sugar, you will get diabetes for sure.” My brother was well known for his love affair with sugary things and zero exercise. He would often take copious amounts of soda, stuff his face with. In a nutshell, a cookie monster with the t.v remote as his bosom buddy.He became a borderline obese for starters. Then he started exhibiting symptoms such as fatigue, constant thirst and urinating and it was off to the doctors. He was told that he was a prediabetes, which means that your sugar levels are high, but not to the diabetes level. It can be managed and often, reversed. He was advised to make some major changes in his lifestyle. And, no, he did not and now he is now a full blown diabetic!What is Diabetes?This is a disease that impairs your body’s ability to produce or respond to the hormone insulin (which is very important as it basically helps the body convert the sugars in food, into energy) this results in high levels of glucose in the blood and urine and an abnormal metabolism of carbohydrates.Now, there is currently no known cure for diabetes and trust me, it’s either you lead a healthy lifestyle or unlike my brother, an early diagnosis can save you a lifetime of hassle.Signs and Symptoms of Diabetes (Type 1 and 2)You need to understand that with type 1 diabetes, the symptoms are often sudden and quick to diagnose, unlike the sneaky type 2 diabetes, which often goes unnoticed for years, even much later in old age. You will experience a lot of weight gain with type 2 diabetes as the extra fat, especially around the belly, causes a resistance to insulin.So if you suspect that you are a diabetic, be on the lookout for the following symptoms:1.The most common one is being unusually thirsty.2.Extreme fatigue.3.Passing more urine.4.Feeling hungry and weight gain.5.Having skin infections and cuts that won’t heal as quickly as they should.6.Mood swings.7.Constant headaches and dizziness.8.Muscle cramps.While I insist on a healthy lifestyle, such as:*Daily exercising – walking as much as you can, use the stairs instead of the lift.*Healthy diet – cut down on the sugar, salt, bad fats, and excessive consumption of alcoholic drinks.Consider too that genes and family history can also increase your risks of developing diabetes in the future. So I reckon, it is about time that you did some research on that basis. Do not panic if you are predisposed. Prevention is always better than cure. Now you know!

Jeffrey Dale is a Type 2 Diabetic and asks the questions, “Can you be a Type 2 Diabetic and poke fun at the disease, or will it get mad at you if you do”? He shares everything he’s learned – the hard way – as an “expert” on his blog at

reversingtype2diabetes.info

Article Source:

eArticlesOnline.com