{"id":37726,"date":"2023-07-04T15:06:06","date_gmt":"2023-07-04T19:06:06","guid":{"rendered":"https:\/\/ginsberg-gingras.com\/?p=37726"},"modified":"2023-07-04T15:10:04","modified_gmt":"2023-07-04T19:10:04","slug":"debt-consolidation-full-guide","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/debt-consolidation-full-guide\/","title":{"rendered":"Debt Consolidation: full guide"},"content":{"rendered":"<h2><b>What we\u2019ve noticed \u2013 Frequently seen case\u00a0\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many people turn to the Internet to find solutions to their debt problems.\u00a0 Debt consolidation is one of the most popular search topics.\u00a0 When consulting with people and after looking at their day-to-day finances and debts, people will often conclude that a consumer proposal is a better alternative to debt consolidation. \u00a0 However, let\u2019s discuss debt consolidation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Debt Consolidation or Consumer proposal?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Listen to our Podcast which contrasts the 2 options:<\/span><a href=\"https:\/\/ginsberg-gingras.com\/en\/podcasts\/dept-consolidation-or-consumer-proposal\/\"><span style=\"font-weight: 400;\">https:\/\/ginsberg-gingras.com\/en\/podcasts\/dept-consolidation-or-consumer-proposal\/<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><b>What is debt consolidation?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Debt consolidation is the process of combining all your loans and\/or credit cards into one single loan.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Why debt consolidation?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The idea is to reduce payments while trying to lower interest rates. Instead of making multiple payments each month, you only have to make one.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>How consolidation is calculated<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The question of how much funds you can obtain from a debt consolidation depends on several factors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your credit rating,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your income,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">your assets and\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the total amount of your current debts.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Usually, lenders will want the amount of consolidation to be enough to cover all your debts while ensuring that you have the ability to pay the loan. Each lender has its own criteria.\u00a0 Usually, the maximum obtainable is around 33% of gross annual income.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Consolidation and bad credit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you have bad credit, debt consolidation is not impossible, but it may be more difficult. However, there are specialized lenders who offer debt consolidation loans to people with bad credit. They may require a co-signor or charge higher interest rates.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Successful consolidation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">There are no statistics, as success depends on the individual. If you are disciplined in your payment habits, stick to a strict budget while being able to pay your day-to-day expenses, debt consolidation can be very effective.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Changes might be necessary.<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you accumulate new debts after consolidation, the process won&#8217;t be much help. It&#8217;s also crucial to note that debt consolidation doesn&#8217;t eliminate your available credit, but simply reorganizes debt repayment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Alternative to debt consolidation \u2013 The Consumer Proposal<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A consumer proposal is not a loan, but rather an offer to your creditors based on your ability to pay.\u00a0 In fact, the amount to be paid is determined according to your budget and considers your family obligations.\u00a0 A consumer proposal typically settles your debts for an amount of 30% to 50% of the balance outstanding of your debts (excluding vehicles and houses), <\/span><span style=\"font-weight: 400;\">interest-free.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">No guarantor or co-signor is required.\u00a0 It&#8217;s between you and your creditors.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Can be made alone or jointly if debts are shared, but not required.\u00a0 The decision is yours.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It&#8217;s easy to make an appointment, visit :\u00a0<\/span><a href=\"https:\/\/ginsberg-gingras.com\/en\/book-an-appointment\/\"><span style=\"font-weight: 400;\">https:\/\/ginsberg-gingras.com\/en\/book-an-appointment\/<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To speak to an advisor, call (800)567-1905.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can also chat with us via our website ginsberg-gingras.com or Messenger via our Facebook page.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For over 40 years, Ginsberg Gingras &amp; Associates have helped more than 150,000 people find their way back to financial stability.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>About the author<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Stephan V. Moyneur, PAIR\/SAI, licensed insolvency trustee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">https:\/\/ginsberg-gingras.com\/trouver-un-syndic\/stephan-v-moyneur\/<\/span><\/p>\n<p><span style=\"font-weight: 400;\">https:\/\/www.linkedin.com\/in\/stephanmoyneur\/<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What we\u2019ve noticed \u2013 Frequently seen case\u00a0\u00a0 Many people turn to the Internet to find solutions to their debt problems.\u00a0 Debt consolidation is one of the most popular search topics.\u00a0 When consulting with people and after looking at their day-to-day finances and debts, people will often conclude that a consumer proposal is a better alternative [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[667,1116],"tags":[],"class_list":["post-37726","post","type-post","status-publish","format-standard","hentry","category-blog","category-comprendre-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Debt Consolidation: full guide | Ginsberg Gingras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/debt-consolidation-full-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Consolidation: full guide\" \/>\n<meta property=\"og:description\" content=\"What we\u2019ve noticed \u2013 Frequently seen case\u00a0\u00a0 Many people turn to the Internet to find solutions to their debt problems.\u00a0 Debt consolidation is one of the most popular search topics.\u00a0 When consulting with people and after looking at their day-to-day finances and debts, people will often conclude that a consumer proposal is a better alternative [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ginsberg-gingras.com\/en\/debt-consolidation-full-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"Ginsberg Gingras\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GinsbergGingras\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-04T19:06:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-04T19:10:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/07\/GGA-T443-_-Design-_-Blog-Post_FB_Blog-2_EN.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2160\" \/>\n\t<meta property=\"og:image:height\" content=\"2160\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stephan V. 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