Why Should I Use A Non Profit Debt Consolidation Program?我为什么要使用一个非营利性债务合并计划？It is important to realize, the term 'non profit' does not mean free.重要的是要认识，在一词非营利性'并不意味着免费。 Non profit means: after all overhead is paid out by a company, the company does not show a profit.非营利性是指：所有开销后，支付了一家公司，该公司并没有显示盈利。 Being non profit does not make them a better choice when it comes to helping you consolidate your debts.作为非营利性并不使他们成为一个更好的选择时，能够帮助您巩固您的债务。 You should always do your homework and find the company and program that is right for you.你应该总是做你的功课，找到该公司，并计划，是正确的你。 Get a few quotes before you decide.得到一些引号然后再做出决定。 The idea of a non profit debt consolidation program should be to help the consumer become educated about how credit works and provide counseling to help them handle their finances.的想法非营利性债务合并计划应是帮助消费者成为受过教育的有关如何信用工程和提供咨询，协助他们处理财务。 They also provide services to lower the existing debt and work with creditors to lower your monthly payments.他们还提供服务，以降低现有的债务，与债权人，以降低您的每月付款。 In many cases, you will pay one monthly sum to them and they will disburse payments to your creditors.在许多情况下，您将每月支付给他们一笔，他们将支付款项到您的债权人。 There will be a fee for this service which will be added to your payment to them each month.将有收费的服务，这将增加您的款项给他们每个月。 We all know how easy it can be to get off track and spend a bit more than we can afford to have a decently comfortable life. There are times when we don't realize just how much credit card companies charge in interest and late fees.我们都知道有多么容易可以下车跟踪和花点时间比我们更能够有一个体面舒适的生活。有些时候，我们不知道有多少信用卡公司收取的利息和滞纳金。 A non profit debt consolidation program will work with your creditors to reduce or eliminate late payment charges and delinquent fees.非盈利债务合并计划将工作与您的债权人以减少或消除滞纳金收费和违法收费。 If our credit becomes damaged we are really in a financial pickle.如果我们的信贷就会损坏我们真的是在金融咸菜。 Without decent credit we are unable to get a mortgage to purchase a home, get any type of loan for that new vehicle, borrow money for your child's education, or that well deserved vacation.没有象样的信用卡，我们无法获得抵押贷款购买住房，获得任何类型的贷款，用于新的车辆，借钱为您的子女的教育，或者说当之无愧的假期。 Non profit debt consolidation programs will help you get out of debt and become more educated about debt and how it affects your life, and teach you how to stay debt free.非营利性债务合并计划将帮助您摆脱债务，并且变得更加教育债务和它如何影响你的生活，教你如何免费住宿的债务。 This will hopefully show you how to avoid financial problems in the future.希望这将告诉您如何避免财政问题在未来。 You will receive one-on-one advice from a certified credit counselor who will work with you and your budget to design a payment plan that is unique to your situation.您将收到一对一咨询认证信贷辅导员谁将与您和您的预算来设计的付款计划，是独特的，以您的情况。 Credit counselors know the particulars of creditor's rules and policies.信用辅导员知道，债权人的规则和政策。 This gives them an inside track when it comes to negotiating with your creditors.这让他们在赛道的时候通过谈判与您的债权人。
If you find that you are in debt up to your ears, there had to have been a reason you find yourself in this situation.如果您发现在债务达到你的耳朵，但已被一个理由你会发现自己在这种情况下。 Perhaps you had a medical emergency and you were unable to meet most of your bills because of the high cost of health care or were not able to work for several months.也许你了医疗急救和你是无法满足大部分的法案，因为保健费用高昂或无法工作了好几个月。 Maybe the fault wasn't yours entirely, a spouse or child ran up the credit cards beyond what you could reasonably pay and the fees and interest just kept adding up.也许故障是不是你的全部，配偶或子女跑了信用卡以后你可以合理支付的费用和利息的只是不断增加最多。 Whatever the reason, you find yourself in a financial bind and don't know which way to turn to get out of debt.不管什么原因，你会发现自己在财务约束和不知道何种方式将摆脱债务。 A non profit debt consolidation program may be your best bet.非盈利债务合并计划可能是您最好的选择。 Although it will cost a fee each month for this service, you will see a vast improvement within just a few months and before you know it you will have your outstanding debt paid off.虽然这将花费的费用每月为这项服务，您会看到一个巨大的进步在短短数月内和前你知道你将有你的未偿债务付清。 As I mentioned before, do your homework and do not take a non profit debt consolidation program at face value.正如我前面提到的，你们的家庭作业，不采取非营利性债务合并计划的面值。 We hate to think that there are companies out there that are not honest, but we know they exist.我们不愿意认为有公司有没有诚实的，但我们知道它们存在的话。 My advice is to get references, if possible, before you hand your money over to anyone.我的建议是要参考，如果可能的话，你的手之前，你的钱交给任何人。 |
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