Article: CONSIDER CONSOLIDATING YOUR DEBTS INTO HOME EQUITY LOAN FOR TAXES

The tax reform act phases out the deduction for personal interest payments, such as interest on car loans or credit-card balances for personal expenditures. You can deduct 65 percent of your personal interest payments for 1987, 40 percent for 1988, 20 percent for 1989 and 10 percent for 1990. The deduction is completely gone after 1990. But that's only part of the story.

You also must keep in mind this key point: the change applies to interest on personal debts you had before 1986 as well as new debts you took on later.

However, there is a way you can continue to deduct the full interest paid on personal debts in 1987, 1988 and for years to come.

If you have outstanding debts, from ...

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