Debt Reduction Advice Wilmington NC

With so many people wanting to get out of debt right now, you'd expect there to be lots of great articles around telling people how to pay them off. Well there are lots of articles of course, but the advice in them is so bland and generalized that's it's almost totally useless. This article provides actual steps to take, and will hopefully really be of help to people in trouble.

RBC Bank USA - Monkey Junction Branch
(800) 236-8872
5307 Carolina Beach Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $29.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2 fee each time you use an unaffiliated ATM. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact RBC Bank USA for details.
Services
Debit Reward Programs, Overdraft Protection, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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SunTrust - Oleander Branch 531&537
(800) 786-8787
3904 Oleander Drive
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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BB&T - Pine Valley Branch
(800) 226-5228
4320 17th Street Extension
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 4 uses per month. (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Sunset Park Branch
(800) 432-1000
1929 Carolina Beach Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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SunTrust - Hospital Branch 534
(800) 786-8787
1950 South 17th Street
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact SunTrust for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - Wilmington-Myrtle Grove Branch
(866) 245-3452
5501 Carolina Beach Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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First-Citizens Bank & Trust - Pine Valley Branch
(888) 323-4732
3624 South College Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM. This fee only applies to accounts opened in NC, VA or WV. (Fee does not apply to all accounts.)
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - South College Road Branch
(800) 432-1000
3500 South College Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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First-Citizens Bank & Trust - Wilmington Porter's Neck Branch
(888) 323-4732
8219 Market Street
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM. This fee only applies to accounts opened in NC, VA or WV. (Fee does not apply to all accounts.)
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Wells Fargo - College Road
(866) 245-3452
307 South College Road
Wilmington, NC
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Debt Reduction Advice

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Beyond The Basics Debt Reduction Advice

Author: Michael Redbourn

What's much more surprising though, is that nearly all of the advice that's being offered is general and vague, and almost completely worthless.

Your struggling to put gas in your car, pay a medical bill or your mortgage, and somebody says, "destroy your credit cards!", and you think to yourself, "thanks for nothing!".

A Quick Overview

The first thing I'd suggest would be to call all your lenders and ask them if they'll lower their APR, and you'll likely be pleasantly surprised at the responses.

As soon as you know which creditors are charging the highest APR you'll want to move the debt to a card or lender that charges less interest.

The Details

It may or may not work, but it's certainly worth a try.

What you then have to do is to call the company at the top of the list and ask them if they'd be willing to assume the debt that's owed to the company at the bottom of the list.

Once you've called every company on the list you'll be able to call the company or companies offering the best deals and arrange for your worst debts to be transferred to them.

You must then pay the lender at the top of the list the maximum that you can every month, whilst paying the others only the minimum.

It's almost certain that you receive tempting offers from different credit card companies in the mail on a regular basis, and you most likely just toss them into the trash.

Instead, call them and ask how much debt they're willing to assume, and how much interest they'll charge, and depending on the deal that they offer, you can then incorporate them into your list.

If you have funds in a savings account that's earning you next to nothing, then consider withdrawing them, and using the money to pay off, or to pay down some of your expensive debts.

If you owed $1000.00 on a credit card that had an APR of 14 percent, and you only made a minimum payment of 4 percent, then it would take you 6 years and 7 months to pay off. If however you were to pay off double the minimum amount every month, then it would only take you only one year and three months, and you'd save $269.00!


Hopefully this article will have given you not only some ways to reduce your debts but will have also given you the motivation to start doing it right away.


About the Author:

The author of this article was a top film sound editor for many years and he produced a film for Columbia at a very young age. He has long been interested in finance and economics, and one of his websites -> Home Loan Help is for folks that need $1000 - $5000 quickly, with most applicants getting their money within 48 hours.

Article Source: http://www.articlesbase.com/finance-articles/beyond-the-basics-debt-reduction-advice-926478.html