Hawaii
Bill Consolidation Loans
Hawaii
State Regulators
Hawaii Division of
Financial Institutions
Director of Commerce and Consumer Affairs Dept. of Financial
Institution
P0. Box 3469 Honolulu, HI 96801
Telephone: 808-586-2704
Helpful
Bill Consolidation Information
Hawaii
residents
wishing to consolidate their bills with a bill consolidation
loan should carefully select a reputable loan company to advise
them and help them complete the papers necessary to secure
them a loan.
In
making a wise financial decision it is important to gather
as much information as possible on all the bills you currently
have to consolidate. Once you have collected this information
you will be more prepared to answer any questions that a representative
from a company helping you may have. Having the statements
from your creditors is beneficial as it will have all the
important payoff information as well as account numbers, contact
numbers and such.
Most
Hawaii bill consolidation loan lenders will ask for the same
documentation to facilitate your loan request and approve
your loan. You will need to complete a 1003 loan application
provided by the lender along with a few other mandatory disclosure
documents (like in Truth in Lending Disclosure and an authorization
to release information to obtain your credit report), some
documents you will need to have available for review are your
current paycheck stub, your W-2 forms for the last 2 years
from your employer if your self employed you will have to
supply your complete tax returns for the last 2 years including
a profit and loss statement. Some lenders offer no documentation
or easy qualifier programs in which they do not require the
above documents but most all lender will require a current
appraisal of your home though some do not.
We
suggest that not only you contact prospective Hawaii bill
consolidation loan companies online but it is also good to
contact them via telephone that way you can better judge the
professionalism of each company.
Once
you have started the process with a company you can always
call another one for a second opinion or even a third opinion
for that matter. And you can always call your State's Better
Business Bureau to see if a prospective company has had any
complaints against it. Checking first can help you make an
intelligent decision. The Better Business Bureau's nationwide
directory online is located at BBB.org
In
conclusion preparing your documents first, shopping around,
asking questions and investigating companies upfront will
help you make a wise Hawaii bill consolidation loan decision.
