Debt consolidation services can help you manage your debt if you are in over your head, but the average American makes payments on automobiles, mortgages, and credit card bills month after month for most of their lives. These prisoners of debt are forced to work their entire life and have to give up most their pay check to their creditors.

True debt relief is not consolidation but elimination. To do this we need to create a strategy to eliminate the principle balances on your debts, not just making minimum payments or interest only payments.

On a monthly basis, begin mailing in a few extra dollars above your minimum payment. This will reduce your principle loan amount. As you reduce the total amount of your loan, a greater percentage of your monthly payments will go towards paying of your loan and a smaller percentage will go towards interest.

When possible, look for credit cards that you can transfer your high interest balances to lower interest opportunities. Often credit cards will give an introductory rate of 0% or a very low rate for six months to one year. Take Advantage! This means that for as long as twelve months 100% of the money you mail to your credit card company goes to paying off your loan! When the promotional period is over, your balance will be greatly reduced and therefore your interest payment will be reduced as well.

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Does this situation sound like you?

Paying off a credit card only to then use that same money to pay a catalogue or a store card. Or perhaps you have to decide each month which cards you’re going to pay and which debts you’re going to prioritise.

Do you need someone to help sort out your debts and payments and talk to creditors for you?

Would you like to make one simple affordable payment each month, in order to pay off all your debts, and not take on more debt in order to do this?

If this all sounds like you then you might want to look into a debt management plan.

What Is A Debt Management Plan?

Essentially a debt management company negotiates with your creditors, tries to get them to freeze interest and charges, and works out at an affordable plan for them to get all their money, and you to get less headaches. Everyone agrees how much you can pay each month, you then pay that amount to the debt management company, who then passes it on to your creditors for you.

How Do I Set Up A Debt Management Plan?

You will approach an agency that handles this sort of thing. The national debt line, the citizen’s advice bureau, and other charitable debt advice agencies can offer excellent advice on a reputable agency for you to use.

What Do I Have To Watch Out For With A Debt Management Plan?

Firstly you need to make sure that the company you are considering having a plan with his reputable. You need someone to your creditors have heard of and will work with, as they are under no obligation.

Secondly you will want to find out if the agency makes any charges, as if they charge it will take longer for you to pay off your debts. Remember there are charities that either make no charges or very minor charges so they may be the first place you want to look.

Thirdly you should be aware that a debt management plan will probably affect your credit rating. Some creditors may ask for a note to be put on your file to say that you’re a debt management plan. Some creditors will still report your account as being in default even though you’re on a debt management plan, as you are making reduced payments rather than your full contracted amount.

Who Is A Debt Management Plan Suitable For?

If you feel your situation will improve within a year than a debt management plan may be suitable for you. But if you feel your situation is either not going to improve or maybe even worsen over the next 12 months then you may need to look into alternative solutions. You may also find a debt management plan is suitable to give you a breathing space to assess what you can do and to explore all the options available to you.

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The auto-tamp filter basket is neat, although I’ve found that it really only works for double shots. To make a single shot of espresso properly, you need to reduce the filter area, so that less water is able to flow with the same amount of pressure. Since the same filter basket is used for single and double shots, single shots do not come out nicely. Since I always make double shots, I’m OK with this, but people that frequently make single shots should be aware of this defect.

Overall, I like the construction and appearance of the machine. It feels solid enough, the drip tray is easy to clean, water container is easy to remove and fill.

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NOW, about the steamer.

The steamer is quite disappointing. It uses the same diameter tip as some of the older machines, like the 4030, but rather then just using a rubber friction grip, it uses a complex plastic doohickey with three tabs that grab onto the flared part of the plastic above the nozzle base. Unfortunately, it’s very unclear how this works when you receive the machine, and the pictorial directions are also not clear, so I managed to snap off one of the tabs within minutes of unpacking the machine. I thought this was my bad, but reading the other reviews, I now see that they’re very prone to breaking.

The wand still attaches part-way with two tabs, but then it sometimes blows off. Again, I thought this was my bad, but now I see that even with three tabs on the wand, it’s still prone to blowing off. This is not bad, especially with piping hot steam and milk to contend with.

For those of you who have stuck with this machine, I’d recommend trying a steaming tip from a 4030. I ended up trying this because none of the parts shops I contacted even knew about the 5240! I was in one store, which had a 4030 on the floor, and I investigate the steaming tip, and found that the base of the nozzle is exactly the same size and shape, but instead of the complex mechanical attachment, it uses a simple rubber-on-rubber grip attachment. So, I purchased one for 8 dollars. It has never blown off the machine in the 3 weeks I’ve had it so far.

However, Krups really needs to address the faulty nature of this product. Perhaps those of us who have purchased the machine and have had issues should get together and contact Krups en masse, and demand that they address the problem. This is supposed to be the latest and greatest model in its class; and it could be, if not for this critical flaw.I was very excited when I purchased this machine since I had a Krups espresso machine before that lasted for 3.5 years. This machine started out great however the top of the frothing wand is made very poorly. When cleaning the machine you need to remove the frothing wand..the problem is that there are 3 plastic prawns on the top that are very, very delicate. The first time I removed it (twist then pull gently) one of the three prawns broke off. Krups was very good about replacing it without cost. Unfortunately, the second time it broke off again. When I called Krups they refuse to replace the item unless I paid for it and then went on to say they would not cover any other parts. I only had the machine for approximately 7 weeks. I have since returned it and because of the bad customer service from Krups I will no longer buy their products…I just don’t trust them anymore. The steam wand on this machine has a tendency to come off at high velocity. Into your milk. Which may be between 120 and 160 degrees. The carnage from this event usually means a wall has to be wiped down and clothes have to be changed.

We have followed the cleaning regimen to the letter. We follow the assembly directions exactly.

The collar which compresses the hooks over the frothing wand rim is just not sturdy enough to secure it. When it heats up, it becomes pliable and transforms into a rocket. I jest, but hot milk and unexpected steam jets are no joke.

It does make great espresso though. Easy to clean and works quickly.

If you are going to use this primarily for lattes and cappuccinos, find another model or brand.

I really wanted to like this machine. It replaced a Krups I had used daily for more than 6 years that finally ran out of steam So I ordered this model, and had to send it back because the steaming nozzle (frother) blew apart. I figured it was defective — just bad luck — and replaced it with the same model. This second one worked fine for 3 weeks, but now I’m having the same problem ( and now I see another recent reviewer had the same experience.) This seems to be a design/manufacturing defect. The black plastic piece on the frother that comes apart for cleaning just does not attach tightly enough. The pressure from the steam blows the locking mechanism open.

Too bad. The machine made a great capuccino, was easy to clean, the automatic tamper worked well, and I liked the way it easily ejected the used grounds. I’ve always been a big Krups fan, but was not prepared to give this model a third try. read more.

Furthermore, prior to the twentieth century most societies dealt very harshly with debtors. In ancient Greece, Rome, and Israel, among other early civilizations, debtors who could not pay what they owed were sold into slavery, though Israeli custom required the freeing of such slaves every 50 years. The feudal system of the Middle Ages (in which aristocrats, or those belonging to a small privileged class with inherited land and wealth, ruled over all the people who lived on their land) generally treated debtors more leniently. This was true only because all men were required to serve their rulers in the military and could not be spared for the purposes of punishment. As the Middle Ages came to an end and capitalist economies (in which individuals could own property and conduct business with some amount of freedom from feudal or government control) began to develop, harsh treatment again became the norm for debtors. Until the nineteenth century people who could not pay their debts were generally sent to prison.

Even though debtors’ prisons were phased out in Europe and the United States in the mid-nineteenth century, most people continued to frown on the practice of going into debt except to purchase the most necessary items. Debt was considered irresponsible and even immoral, an attempt to acquire things one could not afford to buy by honest means. Only essential investments, such as a farmer’s purchase of seeds or a company’s construction of new factories, were seen as legitimate reasons for borrowing money.

Throughout history governments have borrowed money in order to conduct wars. Only in the aftermath of the Great Depression (the severe financial crisis that afflicted the world economy in the 1930s), however, did government debt during peacetime became routine. National governments found that they could stimulate their ailing economies by spending money (often on public projects and on aid to the unemployed, the poor, and the elderly), and this was seen as beneficial even if the money had to be borrowed. Since that time public opinion of government debt has fluctuated, but governments have continued to borrow money for peacetime needs and with the intent of managing the economy, as well as for the waging of war.

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These debt negotiation advertisements will sometimes claim that this will not negatively affect your credit score and that you can continue to secure additional credit even while this negotiation process is going on.

Well…not quite. While it is true that debt negotiation is an alternative to declaring bankruptcy, both are last-ditch efforts to resolve financial problems.

If you are considering using a debt negotiation company to help with your own financial difficulties, you would be very wise to do three things before you sign on the dotted line.

1. Check with the Better Business Bureau (BBB) about the company you are considering signing on with. If there have been complaints by other clients, the BBB will have a record of them.

2. Check with the Attorney General of the state in which you reside. You can find out if debt negotiation companies are required to be licensed in your state and if the company you are considering does in fact have a license.

3. Read the fine print. Before you sign an agreement, you need to fully understand what you are agreeing to and what services you will be paying for. FREE in big letters in the advertisement is not necessarily what is written in the fine print on the actual contract that you sign.

Yes, heavy debt is a burden that you want some relief from. But be sure that the relief is the real thing and not something that is only going to cause you more problems in the future.

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