Credit card debt consolidation is available in both secured and unsecured format. Under secured debt consolidation you will have to furnish some collateral as security against the borrowed amount. Unsecured credit card debt consolidation does not necessitate any collateral and they are swift in their approval as there is no time wasted in property assessment. Amount that can be borrowed depends on features like value of collateral, ability to repay and above all on your need. Interest rate of credit card debt consolidation varies basically on the type of loan secured. Interest rate is generally high in case of unsecured loan as the risk to lenders is subjected to high risk. But, you can get the best deal with interest rate once you make a survey on your own about the offers and quotes of various lenders. Your ability to repay and value of collateral also bring down the rate of interest. To be eligible for credit card debt consolidation loan, you must be a citizen of UK and age of more than 18 years.
Importance of Credit Card Debt Consolidation
It brings you mental relaxation as you have to pay to only one lender instead of many and you get rid of the phone calls irritating you. With the use of credit card debt consolidation, you can improve your credit score as well. Another advantage is that credit card debt consolidation loan can be availed by any credit card user whether you are student or house wife.
Only thing you have to be cautious of is the repayment. Although, repayment schemes of credit card debt consolidation are very flexible, you must plan it out on the basis of your regular income, expenditure and ability to repay. With all these small precautions you will find credit card debt consolidation loan to be a great pal of yours in the time when you need money to consolidate debts related to your credit card.
Alec Reece has a way with dealing with loans for a long time. Writing articles is just a way to extend this to consumers and provide empowerment through information. All you have to do is read. To know more visithttp://www.ezdebtmanagement.co.uk
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Do you think I will be able to get into the army with a non-security clearance MOS?
I have been doing job searches and lots of reading job descriptions for the Army Reserves. There is one available at the base I would like to be near (where my fiancee lives, not near my current residence), which I would love and that is 68K - Medical Lab Specialist. When I took the ASVAB at meps for the marines 2 years ago (which I didn't go into because my intended MOS became unavailable) my AFQT score was 98. Also I studied Biochemistry and Molecular Biology at UC Davis for 4 years before problems with finances and drinking derailed my BS I was going to get. That's what I am most concerned about.
I'm not even attempting to go into an MOS that would require a security clearance for the reserves, so I figure the Air Force is out anyway. I have delinquincies on 2 former credit cards that are in collections now, and went to rehab for the alcohol abuse (sober for 13 months now).
My total debt is $6,000 for the credit cards and $6500 for student loans (which I believe don't matter since they can be deferred). Where I live I simply cannot find a job no matter what tools I use (filling out any application I can find, internet, etc), so the bills are inescapable right now. I'm not looking to the army because I need money, I'd always intended to go into the armed services and I can easily finish my BS while in the reserves, opening up the possibility of becoming an officer, if that's a possibility. I want to know what chance there is of being allowed into the army if I ignore my recruiters' requests to omit this information and do put it on my application. I assume this would necessitate a waiver which from what I hear is harder to come by nowadays. I consider integrity a critical part of my personal value system, but I can tell you that I have a tremendous amount I can bring to the armed services, be it in a lab or on a patrol. I just don't want situations I brought upon myself in the past to put me in a situation I cannot escape. I have no criminal record whatsoever and have never used an illegal drug.
One last question. About 18 months ago I was sick, skipped breakfast and lunch and fainted briefly while running up the stairs at school. My friend made me go to the ER where this was reported to the DMV and my license was suspended pending my doctor's review of the case. He then died so I didn't bother with the paperwork yet becuse I live in an urban area and have no car anyway. I intend to get this cleared up before submitting paperwork, but will a DMV check be run as well and necessitate me reporting this as well (as well as yet another waiver)?
I realize this looks like a mess. Any serious responses would be appreciated.
Answer
well you know where your faults are!
I was told as long as you are on a payment plan with the debt you will be fine.
the liscense should be easy to get back.. I had to get mine back before joining
and you can't have any outstanding tickets/debt with DMV
I don't know about rehab..
I say go for it! Meet with a recruiter and fill out the paperwork to see if you qualify
the good thing about going through the process is you get all your affairs in order = "a fresh start"
answer? Kindly help others and answer below, in the
comments section.
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