Consumer Debt Advocate – Consolidate Your Unsecured Debts

Many people are now desperate to find a solution to their scary collection of debts that are far bigger than the owners could ever hope to repay without help. Fortunately after the financial crisis of the last few years, such help is now readily available. One company that assists individuals stricken by their debts is Consumer Debt Advocate.

The Consumer Debt Advocate company prides itself on its ability to help individuals settle their debts that are not secured for from just forty to sixty cents on every dollar owed. The exact amount actually varies with the applicant’s particular scenario and difficulties. Although the dollar amount of bills is different for every individual, the company’s programs will allow a person to consolidate all of his or her bills into one debt consolidating payment so that the total bills can be eliminated in only one to three years time usually. Whether this process requires less than a year, or even longer than three years, they promise to stay by the debtor’s side all the way until the last bill is settled.

The debt counselors working for Consumer Debt Advocate have successfully assisted hundreds of different individuals in reducing their bills to a manageable level in the last four years of time. The first monthly payment that is required in the consolidating process saves the client money to help reduce the pressure of the bills’ stifling minimum payments. The company is proud of the fact that they talk honestly and openly with the prospective customers regarding the advantages and disadvantages of their settling debts program in order for the person to be sure that this decision is the best one for his or her individual case. They also take pride in offering the most reasonable costs for their services in the business, passing the savings along to the customers. They stick to the best standards of ethics in the credit consolidating and settlement industries.

One thing that Consumer Debt Advocate is very free about is the sometimes confusing difference between the debt elimination that they practice and the debt consolidating that other not for profit organizations offer. In their program of debt reduction, balances that must be repaid are drastically cut back. With debt consolidating, the full payments are paid back at a lower interest rate.

There are many advantages to the program that this company offers. They do not charge for enrollment, which is unusual. They promise to lower the clients’ monthly payments. Besides this, they ensure that their customers are relieved from their debt faster.

Learn the Secrets of Getting Cheaper Car Insurance Rates by Following These 4 Simple Rules

Maintaining an auto insurance policy that provides adequate protection is absolutely necessary, but overpaying for the coverage is definitely not. The good news is that it is quite possible to get cheaper car insurance rates by following some simple rules.

Shop Around for the Best Quotes

While most drivers are aware that they can save a substantial amount of money by shopping around for auto insurance, the simple truth is that many consumers view the process as very frustrating and time consuming. Few people realize that online car insurance comparison sites can help deliver multiple quotes and rates within just minutes. Filling out a short online form is often all that it takes to immediately have access to all of the pertinent information that should be used in selecting the best car insurance policy. The ease of use and speed of such a process makes it impossible for anybody to say that they simply do not have the time to fool with shopping around.

Take Advantage of Available Discounts

Many discounts are available to consumers and some of them will only be offered if an applicant knows that they are in fact eligible. Safe driving discounts are available for individuals that have not had any type of incidents or accidents within the last few years. Drivers that have completed some type of instructional classes or defensive driving training typically qualify for at least a 10-15% discount off of their auto insurance premiums. Some vehicles have safety equipment such as air bags and passive restrain systems that can also help qualify and individual for better auto insurance rates.

Bundle Multiple Policies with the Same Company

Most individuals have their insurance policies spread out amongst multiple companies, and what must be understood is that better rates are often available to loyal customers. While most people have retained a home owners insurance or renters insurance policy with the cheapest possible company, statistics reveal that even better rates can be achieved by bundling multiple products and policies with the same insurer.

Select Adequate Coverage Levels & Deductibles

There are plenty of different factors that go into the calculation of auto insurance rates, and it can be helpful for a consumer to learn more about the exact levels that they need. Although it would be a mistake to carry too little car insurance, it also is not wise to purchase too much protection. Every drivers situation is obviously somewhat different and individual needs are going to dictate the best levels of coverage. However, most people are not aware that a $500 deductible instead of a $250 deductible could mean cheaper car insurance rates. Consumers should seek the advice of an insurance professional if they are not sure what the various provisions cover and this is key to avoiding unnecessary protection and costs.

Auto insurance is mandatory in many states and is never a bad idea, but too many consumers are paying more than they need to. By following the above simple rules, cheaper car insurance rates are both possible and fairly easy to obtain.

Parking Lots Raising Your Car Insurance Rates?

According to the Independent Insurance Agents and Brokers Association, 20 percent of all car accidents take place in parking lots. That does not include all the minor dents and nicks that often go unreported. Such crashes happen at slow speed; however they can still cause pricey repairs and increased auto insurance premiums. Unfortunately, now and then, people walking and drivers are injured.

To lower your parking lot risks…Park away from hectic areas. The majority of drivers crowd into the spaces near store entrances, leaving the rest of the lot nearly vacant. Your automobile is much less likely to be crunched — and you will be able to view better when you drive out — if you take a spot inside a little-used area. Seek out two vacant parking spaces, one behind the other, and drive through to the one in front so that you don’t have to back up when it is time to depart. However make certain no one is pulling into the front spot from the other side. Steer clear of hazard zones. By pass spots adjacent to big vans or SUVs if you are in a more compact automobile — you will have a tricky time seeing around these vehicles when you need to go. Also, make an effort to avoid spots adjacent to cart-collection areas — the possibility of dings and dents are most significant here.

Look where you are going. Diverting your attention while driving is responsible for countless parking lot accidents. We believe we see an open spot in the next row or a friend might be walking by. This temporary distraction is all it takes for someone to step or pull in front of us in a crowded parking lot. If your car is going forward, your eyes must be looking forward. Use your peripheral vision to locate open parking spaces. Completely clear fogged or snow-covered windows and windshields. There is an inclination to dash out of parking areas, but driving with incompletely cleared windows and/or windshields increases the odds of having an accident. Fasten your seat belt before pulling out, not while driving. Drivers frequently believe they are “safe” in parking lots, so they wait to put on seat belts. That’s an error for two reasons 1. You could have an accident with no seat belt on before you leave the parking lot… and 2. Messing with a seat belt while you are driving increases the chances of an accident. Complete any cell-phone calls, put on your sunglasses if you need them, fiddle with your CD player or radio and enter data into your navigation system before you leave your parking spot.

Lastly do not put confidence in your mirrors. Rearview mirrors don’t furnish an accurate picture of what’s transpiring behind your car or truck. Ultra-modern backup sensors and rear-mounted cameras do not reveal all obstacles, either. To back out of a parking spot in safety- rotate your body to the right, looking over your shoulder so you face backwards, leaving your left hand on the steering wheel. You shouldn’t feel hurried by other drivers. It causes mishaps. The driver impatient to have your parking spot can delay a few more seconds as you take the time to pull out carefully.