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Free Debt Consolidation Loan Quotes - Tips To Get The Best Rate
By: Benjamin Axel, Sun Jun 27th, 2010
Getting into debt is fun isn't it? You get to buy all those cool clothes, take your friends out to dinner, do anything you want, after all you're just going to "put it on your card" -- Spending money is fun and paying with a credit card to just too easy, so easy that before you know it, you've buried yourself under a mountain of debt.
Once you've fallen into the trap of credit card debt, it's very difficult to get out. Taking out a debt consolidation loan is sometimes the best way to eliminate the burden.
There are a few ways that you can get a loan to consolidate your credit card bills but in my opinion the best way is to gather some free debt consolidation loan quotes. There are a number of agencies that will do some of the work for you and help you find the best loan for you.
The fastest way to get out of debt is to pay off your existing debt with the lowest interest rate. A debt consolidation loan is the best solution for this. A few minutes of online research will reveal a number of agencies that will give you a free debt consolidation loan quote. Be sure to take all your quotes and compare them side by side to get the best rate and terms. The time you spend researching will be well spent because it can save you thousands of dollars.
So what do you want to look for when making your comparison? The first thing is the most obvious; you want to make sure you are getting the lowest interest rate. This rate should be lower than the rate that you are currently paying for your credit cards as this will accelerate the pace that you'll be able to pay off the debt.
The other detail that some people over look is weather the loan is secured or unsecured. Make sure that you are getting a loan that is unsecured. If you have to put your home or automobile up as collateral for your loan, you now have the added stress of worrying about losing your property in addition to paying off the loan. Unsecured loans will generally be at a higher interest than an unsecured one but the lower stress levels may make it worthwhile.
Many consolidation loan companies offer online quote applications. You can apply to a number of agencies and then select the best quote. You can apply for a quote on the telephone or they may send you an application for you to fill out and then send it back through the mail or fax. There are also companies that will offer an application online and give you an answer in just a few minutes.
Getting a free quote before you decide on a debt consolidation loan is the best way to get yourself out of debt fast. Take advantage of the ability to compare these free quotes choosing the right one will have you back on the road to freedom from debt in no time.
[removed]// = 0; i--) { elem=doc.all[i]; if(elem.id==elemId) return elem; } } } catch(e) { _leoHighlightsReportExeception("_leoHighlightsFindElementById()",e); } return null;
} /** * Get the location of one element relative to a parent reference * * @param ref * the reference element, this must be a parent of the passed in * element * @param elem * @return */
function _leoHighlightsGetLocation(ref, elem) { _leoHighlightsDebugLog("_leoHighlightsGetLocation "+elem.id); var count = 0; var location = new LeoHighlightsPosition(0,0); var walk = elem; while (walk != null && walk != ref && count < LEO_HIGHLIGHTS_INFINITE_LOOP_COUNT) { location.x += walk.offsetLeft; location.y += walk.offsetTop; walk = walk.offsetParent; count++; } _leoHighlightsDebugLog("Location is: "+elem.id+" - "+location); return location;
} /** * This is used to update the position of an element as a popup * * @param IFrame * @param anchor * @return */
function _leoHighlightsUpdatePopupPos(iFrame,anchor)
{ try { // Gets the scrolled location for x and y var scrolledPos=new LeoHighlightsPosition(0,0); if( self.pageYOffset ) { scrolledPos.x = self.pageXOffset; scrolledPos.y = self.pageYOffset; } else if( document.documentElement && document.documentElement.scrollTop ) { scrolledPos.x = document.documentElement.scrollLeft; scrolledPos.y = document.documentElement.scrollTop; } else if( document.body ) { scrolledPos.x = document.body.scrollLeft; scrolledPos.y = document.body.scrollTop; } /* Get the total dimensions to see what scroll bars might be active */ var totalDim=new LeoHighlightsDimension(0,0) if (document.all && document.documentElement && document.documentElement.clientHeight&&document;.documentElement.clientWidth) { totalDim.width = document.documentElement.scrollWidth; totalDim.height = document.documentElement.scrollHeight; } else if (document.all) { /* This is in IE */ totalDim.width = document.body.scrollWidth; totalDim.height = document.body.scrollHeight; } else { totalDim.width = document.width; totalDim.height = document.height; } // Gets the location of the available screen space var centerDim=new LeoHighlightsDimension(0,0); if(self.innerWidth && self.innerHeight ) { centerDim.width = self.innerWidth-(totalDim.height>self.innerHeight?16:0); // subtracting scroll bar offsets for firefox centerDim.height = self.innerHeight-(totalDim.width>self.innerWidth?16:0); // subtracting scroll bar offsets for firefox } else if( document.documentElement && document.documentElement.clientHeight ) { centerDim.width = document.documentElement.clientWidth; centerDim.height = document.documentElement.clientHeight; } else if( document.body ) { centerDim.width = document.body.clientWidth; centerDim.height = document.body.clientHeight; } // Get the current dimension of the popup element var iFrameDim=new LeoHighlightsDimension(iFrame.offsetWidth,iFrame.offsetHeight) if (iFrameDim.width <= 0) iFrameDim.width = iFrame.style.width.substring(0, iFrame.style.width.indexOf('px')); if (iFrameDim.height <= 0) iFrameDim.height = iFrame.style.height.substring(0, iFrame.style.height.indexOf('px')); /* Calculate the position, lower right hand corner by default */ var position=new LeoHighlightsPosition(0,0); position.x=scrolledPos.x+centerDim.width-iFrameDim.width-LEO_HIGHLIGHTS_ADJUSTMENT.x; position.y=scrolledPos.y+centerDim.height-iFrameDim.height-LEO_HIGHLIGHTS_ADJUSTMENT.y; if(anchor!=null) { //centerDim in relation to the anchor element if available var topOrBottom = false; var anchorPos=_leoHighlightsGetLocation(document.body, anchor); var anchorScreenPos = new LeoHighlightsPosition(anchorPos.x-scrolledPos.x,anchorPos.y-scrolledPos.y); var anchorDim=new LeoHighlightsDimension(anchor.offsetWidth,anchor.offsetHeight) if (anchorDim.width <= 0) anchorDim.width = anchor.style.width.substring(0, anchor.style.width.indexOf('px')); if (anchorDim.height <= 0) anchorDim.height = anchor.style.height.substring(0, anchor.style.height.indexOf('px')); // Check if the popup can be shown above or below the element if (centerDim.height - anchorDim.height - iFrameDim.height - anchorScreenPos.y > 0) { // Show below, formula above calculates space below open iFrame position.y = anchorPos.y + anchorDim.height; topOrBottom = true; } else if (anchorScreenPos.y - anchorDim.height - iFrameDim.height > 0) { // Show above, formula above calculates space above open iFrame position.y = anchorPos.y - iFrameDim.height - anchorDim.height; topOrBottom = true; } _leoHighlightsDebugLog("_leoHighlightsUpdatePopupPos() - topOrBottom: "+topOrBottom); if (topOrBottom) { // We attempt top attach the window to the element position.x = anchorPos.x - iFrameDim.width / 2; if (position.x < 0) position.x = 0; else if (position.x + iFrameDim.width > scrolledPos.x + centerDim.width) position.x = scrolledPos.x + centerDim.width - iFrameDim.width; _leoHighlightsDebugLog("_leoHighlightsUpdatePopupPos() - topOrBottom: "+position); } else { // Attempt to align on the right or left hand side if (centerDim.width - anchorDim.width - iFrameDim.width - anchorScreenPos.x > 0) position.x = anchorPos.x + anchorDim.width; else if (anchorScreenPos.x - anchorDim.width - iFrameDim.width > 0) position.x = anchorPos.x - anchorDim.width; else // default to below position.y = anchorPos.y + anchorDim.height; _leoHighlightsDebugLog("_leoHighlightsUpdatePopupPos() - sideBottom: "+position); } } /* Make sure that we don't go passed the right hand border */ if(position.x+iFrameDim.width>centerDim.width-20) position.x=centerDim.width-(iFrameDim.width+20); // Make sure that we didn't go passed the start if(position.x<0) position.x=0; if(position.y<0) position.y=0; _leoHighlightsDebugLog("Popup info id: " +iFrame.id+" - "+anchor.id + "\nscrolled " + scrolledPos + "\ncenter/visible " + centerDim + "\nanchor (absolute) " + anchorPos + "\nanchor (screen) " + anchorScreenPos + "\nSize (anchor) " + anchorDim + "\nSize (popup) " + iFrameDim + "\nResult pos " + position); // Set the popup location iFrame.style.left = position.x + "px"; iFrame.style.top = position.y + "px"; } catch(e) { _leoHighlightsReportExeception("_leoHighlightsUpdatePopupPos()",e); }
} /** * This will show the passed in element as a popup * * @param anchorId * @param size * * @return */
function _leoHighlightsShowPopup(anchorId,size)
{ try { var popup=new LeoHighlightsPopup(anchorId,size); popup.show(); } catch(e) { _leoHighlightsReportExeception("_leoHighlightsShowPopup()",e); } } /** * This will transform the passed in url to a rover url * * @param url * @return */
function _leoHighlightsGetRoverUrl(url)
{ var rover=LEO_HIGHLIGHTS_ROVER_TAG; var roverUrl="http://rover.ebay.com/rover/1/"+rover+"/4?&mpre;="+encodeURI(url); return roverUrl;
} /** * Sets the size of the bottom windown part * * @param size * @return */
function _leoHighlightsSetBottomSize(size,clickId)
{ /* Get the elements */ var iFrameBottom=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_BOTTOM_ID); var iFrameDiv=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_DIV_ID); /* Figure out the correct sizes */ var iFrameBottomSize=(size==1)?LEO_HIGHLIGHTS_IFRAME_BOTTOM_CLICK_SIZE:LEO_HIGHLIGHTS_IFRAME_BOTTOM_HOVER_SIZE; var divSize=(size==1)?LEO_HIGHLIGHTS_DIV_CLICK_SIZE:LEO_HIGHLIGHTS_DIV_HOVER_SIZE; /* Refresh the iFrame's url, by removing the size arg and adding it again */ leoHighlightsUpdateUrl(iFrameBottom,size,clickId); /* Clear the hover flag, if the user shows this at full size */ _leoHighlightsPrevElem.hover=size==1?false:true; _leoHighlightsSetSize(iFrameBottom,iFrameBottomSize); _leoHighlightsSetSize(iFrameDiv,divSize);
} /** * Class for a Popup * * @param anchorId * @param size * * @return */
function LeoHighlightsPopup(anchorId,size)
{ try { _leoHighlightsDebugLog("LeoHighlightsPopup() "); this.anchorId=anchorId; this.anchor=_leoHighlightsFindElementById(this.anchorId); this.topIframe=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_TOP_ID); this.bottomIframe=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_BOTTOM_ID); this.iFrameDiv=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_DIV_ID); this.topIframe.src=unescape(this.anchor.getAttribute('leoHighlights_url_top'));; this.bottomIframe.src=unescape(this.anchor.getAttribute('leoHighlights_url_bottom'));; _leoHighlightsDebugLog("1) LeoHighlightsPopup() ("+this.topIframe.style.top+", "+this.topIframe.style.left+")"); _leoHighlightsDebugLog("2) LeoHighlightsPopup() ("+this.bottomIframe.style.top+", "+this.bottomIframe.style.left+")"); leoHighlightsSetSize(size); this.updatePos=function() { _leoHighlightsUpdatePopupPos(this.iFrameDiv,this.anchor)}; this.show=function() { this.updatePos(); this.iFrameDiv.style.visibility = "visible"; this.iFrameDiv.style.display = "block"; this.updatePos(); _leoHighlightsDebugLog("3) LeoHighlightsPopup() ("+this.topIframe.style.top+", "+this.topIframe.style.left+")"); _leoHighlightsDebugLog("4) LeoHighlightsPopup() ("+this.bottomIframe.style.top+", "+this.bottomIframe.style.left+")"); } this.scroll=function() { this.updatePos();}; } catch(e) { _leoHighlightsReportExeception("new LeoHighlightsPopup()",e); }
} /** * updates the url for the iFrame * * @param iFrame * @param size * @param clickId * @return */
function leoHighlightsUpdateUrl(iFrame,size,clickId,destUrl)
{ try { _leoHighlightsDebugLog("leoHighlightsUpdateUrl() "+destUrl); var url=iFrame.src; var idx=url.indexOf("&size;="); if(idx>=0) url=url.substring(0,idx); // size=1; _leoHighlightsDebugLog("leoHighlightsUpdateUrl() size="+size+" "+url); if(size!=null) url+=("&size;="+size); if(clickId!=null) url+=("&clickId;="+clickId); if(destUrl!=null) url+=("&url;="+destUrl); _leoHighlightsDebugLog("leoHighlightsUpdateUrl() "+url); iFrame.src=url; } catch(e) { _leoHighlightsReportExeception("leoHighlightsUpdateUrl()",e); }
} /**
*
* This can be used to close an iframe
*
* @param id
* @return
*/
function leoHighlightsSetSize(size,clickId)
{ try { /* Get the element */ var iFrameTop=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_TOP_ID); /* Figure out the correct sizes */ var iFrameTopSize=LEO_HIGHLIGHTS_IFRAME_TOP_SIZE; /* Refresh the iFrame's url, by removing the size arg and adding it again */ leoHighlightsUpdateUrl(iFrameTop,size,clickId); _leoHighlightsSetSize(iFrameTop,iFrameTopSize); _leoHighlightsSetBottomSize(size,clickId); /* Clear the hover flag, if the user shows this at full size */ if(size==1&&_leoHighlightsPrevElem) _leoHighlightsPrevElem.hover=false; } catch(e) { _leoHighlightsReportExeception("leoHighlightsSetSize()",e); }
} /** * Start the popup a little bit delayed. * Somehow IE needs some time to find the element by id. * * @param anchorId * @param size * * @return */
function leoHighlightsShowPopup(anchorId,size)
{ try { var elem=_leoHighlightsFindElementById(anchorId); if(_leoHighlightsPrevElem&&(_leoHighlightsPrevElem!=elem)) _leoHighlightsPrevElem.shown=false; elem.shown=true; _leoHighlightsPrevElem=elem; _leoHighlightsDebugLog("leoHighlightsShowPopup() "+_leoHighlightsPrevElem); /* FF needs to find the element first */ _leoHighlightsFindElementById(anchorId); setTimeout("_leoHighlightsShowPopup(\'"+anchorId+"\',\'"+size+"\');",10); } catch(e) { _leoHighlightsReportExeception("leoHighlightsShowPopup()",e); } } /**
*
* This can be used to close an iframe
*
* @param id
* @return
*/
function leoHighlightsHideElem(id)
{ try { /* Get the appropriate sizes */ var elem=_leoHighlightsFindElementById(id); if(elem) elem.style.visibility="hidden"; /* Clear the page for the next run through */ var iFrame=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_TOP_ID); if(iFrame) iFrame.src="about:blank"; var iFrame=_leoHighlightsFindElementById(LEO_HIGHLIGHTS_IFRAME_BOTTOM_ID); if(iFrame) iFrame.src="about:blank"; if(_leoHighlightsPrevElem) { _leoHighlightsPrevElem.shown=false; _leoHighlightsPrevElem=null; } } catch(e) { _leoHighlightsReportExeception("leoHighlightsHideElem()",e); }
} /**
*
* This can be used to close an iframe.
* Since the iFrame is reused the frame only gets hidden
*
* @return
*/
function leoHighlightsIFrameClose()
{ try { _leoHighlightsSimpleGwCallBack("LeoHighlightsHideIFrame"); } catch(e) { _leoHighlightsReportExeception("leoHighlightsIFrameClose()",e); }
} /** * This should handle the click events * * @param anchorId * @return */
function leoHighlightsHandleClick(anchorId)
{ try { if(_leoHighlightsIsFrame()) return false; var anchor=_leoHighlightsFindElementById(anchorId); anchor.hover=false; if(anchor.startTimer) clearTimeout(anchor.startTimer); /* Report the click event */ leoHighlightsReportEvent("clicked", window.document.domain, _leoHighlightsGetAttrib(anchor,'leohighlights_keywords'),null, _leoHighlightsGetAttrib(anchor,'leohighlights_accept'), _leoHighlightsGetAttrib(anchor,'leohighlights_reject')); leoHighlightsShowPopup(anchorId,1); return false; } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleClick()",e); } } /** * This should handle the hover events * * @param anchorId * @return */
function leoHighlightsHandleHover(anchorId)
{ try { if(_leoHighlightsIsFrame()) return false; var anchor=_leoHighlightsFindElementById(anchorId); anchor.hover=true; /* Report the hover event */ leoHighlightsReportEvent("hovered", window.document.domain, _leoHighlightsGetAttrib(anchor,'leohighlights_keywords'),null, _leoHighlightsGetAttrib(anchor,'leohighlights_accept'), _leoHighlightsGetAttrib(anchor,'leohighlights_reject')); leoHighlightsShowPopup(anchorId,0); return false; } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleHover()",e); } } /** * This will handle the mouse over setup timers for the appropriate timers * * @param id * @return */
function leoHighlightsHandleMouseOver(id)
{ try { if(_leoHighlightsIsFrame()) return; var anchor=_leoHighlightsFindElementById(id); /* Clear the end timer if required */ if(anchor.endTimer) clearTimeout(anchor.endTimer); anchor.endTimer=null; anchor.style.background=LEO_HIGHLIGHTS_BACKGROUND_STYLE_HOVER; /* The element is already showing we are done */ if(anchor.shown) return; /* Setup the start timer if required */ anchor.startTimer=setTimeout(function(){ leoHighlightsHandleHover(anchor.id); anchor.hover=true; }, LEO_HIGHLIGHTS_SHOW_DELAY_MS); } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleMouseOver()",e); }
} /** * This will handle the mouse over setup timers for the appropriate timers * * @param id * @return */
function leoHighlightsHandleMouseOut(id)
{ try { var anchor=_leoHighlightsFindElementById(id); /* Clear the start timer if required */ if(anchor.startTimer) clearTimeout(anchor.startTimer); anchor.startTimer=null; anchor.style.background=LEO_HIGHLIGHTS_BACKGROUND_STYLE_DEFAULT; if(!anchor.shown||!anchor.hover) return; /* Setup the start timer if required */ anchor.endTimer=setTimeout(function(){ leoHighlightsHideElem(LEO_HIGHLIGHTS_IFRAME_DIV_ID); anchor.shown=false; _leoHighlightsPrevElem=null; },LEO_HIGHLIGHTS_HIDE_DELAY_MS); } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleMouseOut()",e); }
} /** * This handles the mouse movement into the currently opened window. * Just clear the close timer * * @return */
function leoHighlightsHandleIFrameMouseOver()
{ try { if(_leoHighlightsPrevElem&&_leoHighlightsPrevElem.endTimer) clearTimeout(_leoHighlightsPrevElem.endTimer); } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleIFrameMouseOver()",e); }
} /** * This handles the mouse movement into the currently opened window. * Just clear the close timer * * @param id * @return */
function leoHighlightsHandleIFrameMouseOut()
{ try { if(_leoHighlightsPrevElem) leoHighlightsHandleMouseOut(_leoHighlightsPrevElem.id); } catch(e) { _leoHighlightsReportExeception("leoHighlightsHandleIFrameMouseOut()",e); }
}
/** * This is a method is used to make the javascript within IE runnable */
var leoHighlightsRanUpdateDivs=false;
function leoHighlightsUpdateDivs()
{ try { /* Check if this is an IE browser and if divs have been updated already */ if(document.all&&!leoHighlightsRanUpdateDivs&&!_leoHighlightsIsFrame()) { leoHighlightsRanUpdateDivs=true; // Set early to prevent running twice for(var i=0;i0) url=url.substring(0,idx); /* Append the text to the end */ url+="#"+encodeURI(txt); /* Set the iframe with the new url that contains the hash tag */ topIFrame.src=url; } catch(e) { _leoHighlightsReportExeception("leoHighlightsSetExpandTxt()",e); }
} /*----------------------------------------------------------------------*/
/* Methods provided to the highlight providers... */
/*----------------------------------------------------------------------*/ /** * This will set the expand text for the Top window */
function leoHL_SetExpandTxt(txt)
{ try { _leoHighlightsDebugLog("leoHL_SetExpandTxt() "+txt); _leoHighlightsSimpleGwCallBack("LeoHighlightsSetExpandTxt","expandTxt",txt); } catch(e) { _leoHighlightsReportExeception("leoHL_SetExpandTxt()",e); }
} /** * This will redirect the top window to the passed in url * * @param url * @param parentId * @return */
function leoHL_RedirectTop(url,parentId)
{ try { try{ var domain=_leoHighlightsGetUrlArg(window.document.URL,"domain") var keywords=_leoHighlightsGetUrlArg(window.document.URL,"keywords") var vendorId=_leoHighlightsGetUrlArg(window.document.URL,"vendorId") leoHighlightsReportEvent("clickthrough", domain,keywords, vendorId); }catch(e){ _leoHighlightsReportExeception("leoHL_RedirectTop()",e); } _leoHighlightsRedirectTop(url); } catch(e) { _leoHighlightsReportExeception("leoHL_RedirectTop()",e); }
} /** * This will redirect the top window to the passed in url * * @param url * @param parentId * @return */
function LeoHL_RedirectTop(url,parentId)
{ leoHL_RedirectTop(url,parentId);
} /** * This will redirect the top window to the passed in url * * @param url * @param parentId * @return */
function leoHL_RedirectTopAd(url,parentId)
{ try { try{ var domain=_leoHighlightsGetUrlArg(window.document.URL,"domain") var keywords=_leoHighlightsGetUrlArg(window.document.URL,"keywords") var vendorId=_leoHighlightsGetUrlArg(window.document.URL,"vendorId") leoHighlightsReportEvent("advertisement.click", domain,keywords, vendorId); }catch(e){ _leoHighlightsReportExeception("leoHL_RedirectTopAd()",e); } _leoHighlightsRedirectTop(url); } catch(e) { _leoHighlightsReportExeception("leoHL_RedirectTopAd()",e); }
} /** * This will set the size of the iframe * * @param url * @param parentId * * @return */
function leoHl_setSize(size,url)
{ try { /* Get the clickId */ var clickId=_leoHighlightsGetUrlArg( url,"clickId") var gwObj = new Gateway(); gwObj.addParam("size",size); if(clickId) gwObj.addParam("clickId",clickId+"_blah"); gwObj.callName("LeoHighlightsSetSize"); } catch(e) { _leoHighlightsReportExeception("leoHl_setSize()",e); }
} /** * This will toggle the size of the window * * @return */
function leoHl_ToggleSize()
{ try { var gwObj = new Gateway(); gwObj.callName("LeoHighlightsToggleSize"); } catch(e) { _leoHighlightsReportExeception("leoHl_ToggleSize()",e); }
} ");
]]>[removed]
About the Author: www.creditcarddebtsurgeons.com is a matchmaker in the debt settlement industry. They have paired up thousands of consumers up with debt settlement companies who are most likely to get consumers the best deal.
