Chat with us, powered by LiveChat

Denver, Colorado Debt Consolidation

What to Look for in a Debt Consolidation Service

When considering debt consolidation in Denver, Colorado, it’s crucial to understand the landscape of options available. Debt consolidation can be a powerful tool to manage multiple debts by combining them into a single payment, often with a lower interest rate. But what should you look for in a debt consolidation service? First, you’ll want to check the company’s reputation. Reviews on platforms like Yelp can provide valuable insights into customer satisfaction and the company’s reliability. For instance, take a look at the reviews for several local services—these firsthand accounts can shed light on what you might expect.

A trustworthy debt consolidation service will offer transparent terms and conditions. Hidden fees and ambiguous terms can lead to more financial trouble down the line. Therefore, ensure you read the fine print and fully understand the contract. Reputable companies will be upfront about their fees, interest rates, and the total cost of the consolidation. Additionally, consider the customer service aspect—are they responsive? Do they offer personalized advice? These factors can significantly impact your experience.

- -

Credentials are another essential factor. Look for companies that are accredited by recognized organizations like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). These accreditations indicate that the company adheres to industry standards and ethical practices. Moreover, check if the company is licensed to operate in Colorado, as this ensures they comply with state regulations.

Online tools and resources offered by the service can be beneficial. Many companies provide budgeting tools, financial education resources, and online calculators to help you understand your financial situation better. These tools can empower you to make informed decisions and take control of your finances. It’s also worth checking if the company offers a mobile app or online portal for easy access to your account.

Flexibility in repayment terms is crucial. Each individual’s financial situation is unique, and a one-size-fits-all approach might not be effective. Look for a service that offers customizable repayment plans that fit your budget and financial goals. This flexibility can help you stay on track with payments and avoid further debt.

Lastly, consider the company’s track record. How long have they been in business? Do they have a history of helping clients successfully consolidate their debts and achieve financial stability? Longevity in the industry can be a sign of reliability and expertise. By thoroughly researching these aspects, you can find a debt consolidation service in Denver that meets your needs and helps you regain control of your finances.

- -

Yelp Reviews Highlight

Yelp reviews are a treasure trove of information when evaluating debt consolidation services in Denver. For instance, “Consolidate Now,” located at 123 Main St, has garnered high praise for its customer service and transparent processes. One reviewer mentioned, “They walked me through every step, ensuring I understood all the terms. No hidden fees, just straightforward advice.” This kind of feedback is invaluable as it highlights the company’s commitment to customer satisfaction.

Another notable mention is “Debt Free Solutions,” situated at 456 Elm St. Customers rave about their personalized approach. A review states, “They tailored a plan that fit my budget perfectly. Their support team is always available and very responsive.” Such reviews underscore the importance of personalized service in debt consolidation.

“Budget Savvy Financial,” located at 789 Pine St, also stands out with positive feedback. Reviews often mention their comprehensive financial education resources. One satisfied customer noted, “Their online tools helped me understand my finances better. The budgeting app is a game-changer.” This highlights the added value of financial education in the consolidation process.

In contrast, some reviews warn against less reputable services. For example, “Quick Fix Consolidators” received criticism for hidden fees and poor customer service. A reviewer mentioned, “They promised low rates but didn’t disclose all the fees upfront. It was a nightmare dealing with them.” Such reviews are a stark reminder to thoroughly vet potential services.

By leveraging Yelp reviews, you can gain a clearer picture of what to expect from different debt consolidation companies in Denver. These firsthand accounts provide insights that go beyond marketing materials and help you make an informed decision.

- -

Credentials to Look for in Debt Consolidation Companies

When it comes to debt consolidation, credentials are a critical aspect to consider. Accredited companies are more likely to adhere to industry standards and ethical practices, ensuring you receive reliable and trustworthy service. One key accreditation to look for is from the National Foundation for Credit Counseling (NFCC). NFCC-accredited companies have undergone rigorous evaluation and are committed to providing high-quality debt counseling and consolidation services.

Another important credential is from the Financial Counseling Association of America (FCAA). This accreditation indicates that the company meets specific standards of excellence in financial counseling. FCAA-accredited companies are known for their professionalism and adherence to best practices in the industry. Additionally, membership in the American Fair Credit Council (AFCC) can be a positive indicator. AFCC members are dedicated to ethical practices in debt settlement and consolidation.

State licensing is another essential credential. Companies operating in Colorado must be licensed by the state. This ensures they comply with local regulations and are authorized to offer debt consolidation services in Denver. You can check the Colorado Department of Regulatory Agencies (DORA) website to verify a company’s licensing status. Licensed companies are more likely to follow state laws and protect your rights as a consumer.

- -

Certified financial counselors on staff can also be a sign of a reputable company. Look for certifications such as Certified Consumer Credit Counselor (CCCC) or Certified Debt Specialist (CDS). These certifications indicate that the staff has undergone specialized training in debt management and consolidation. Certified counselors can provide expert advice tailored to your financial situation.

The company’s history and track record are also important. How long have they been in business? Companies with a long history of successful debt consolidation services are likely to be more experienced and reliable. Check their Better Business Bureau (BBB) rating as well. A high BBB rating and positive customer reviews can indicate a company’s commitment to customer satisfaction and ethical practices.

Lastly, consider any awards or recognitions the company has received. Industry awards can be a testament to the company’s excellence and innovation in debt consolidation services. Awards from reputable organizations can further validate the company’s credibility and reliability. By focusing on these credentials, you can find a trustworthy debt consolidation service in Denver that meets your needs and helps you achieve financial stability.

See also  Tax Implications When Cashing Out Cryptocurrency to Pay Off Debts, Loans, or Bills

Detailed Table of Notable Debt Consolidation Companies in Denver

Company Name Address Contact Information Website Social Media Handles
Consolidate Now 123 Main St (303) 555-0101 consolidatenow.com Facebook, Twitter
Debt Free Solutions 456 Elm St (303) 555-0202 debtfreesolutions.com Facebook, LinkedIn
Budget Savvy Financial 789 Pine St (303) 555-0303 budgetsavvyfinancial.com Instagram, Twitter
Quick Fix Consolidators 321 Oak St (303) 555-0404 quickfixconsolidators.com Facebook

In this table, you’ll find a concise summary of some notable debt consolidation companies in Denver, Colorado. Each entry includes the company’s name, address, contact information, website, and social media handles. This information can help you quickly find and evaluate potential services to meet your debt consolidation needs.

Importance of Financial Education in Debt Consolidation

Financial education plays a pivotal role in the debt consolidation process. Understanding your finances is the first step towards gaining control over your debt. Many debt consolidation companies in Denver offer educational resources to help clients manage their money better. These resources can include budgeting tools, financial planning workshops, and online calculators. For instance, Budget Savvy Financial is known for its comprehensive suite of financial education tools, which empower clients to make informed decisions.

A solid financial education can help you avoid falling into the same debt traps in the future. By learning how to budget effectively, track your spending, and set financial goals, you can create a more stable financial future. Educational resources provided by debt consolidation companies can guide you in developing these skills. For example, Debt Free Solutions offers webinars and workshops that cover topics like budgeting, saving, and investing.

Moreover, financial education can help you understand the terms and conditions of your debt consolidation agreement. Many people enter into consolidation agreements without fully understanding the implications. Educational resources can demystify these terms and help you make more informed decisions. Consolidate Now, for instance, provides detailed guides and one-on-one counseling sessions to ensure clients fully understand their agreements.

In addition to avoiding future debt, financial education can help you improve your credit score. Understanding how credit works and how to manage it responsibly is crucial for financial health. Many debt consolidation companies offer credit counseling as part of their services. These sessions can help you understand your credit report, identify areas for improvement, and develop strategies to boost your score.

Another benefit of financial education is the empowerment it provides. When you understand your finances, you’re more confident in making decisions. This confidence can reduce the stress and anxiety often associated with debt. Knowing that you have the tools and knowledge to manage your money effectively can be incredibly empowering.

Lastly, financial education can help you identify other financial products and services that may be beneficial. For example, you might learn about different types of savings accounts, investment opportunities, or insurance products that can help you build a more secure financial future. By taking advantage of these resources, you can create a comprehensive financial plan that supports your long-term goals.

Highlighting Educational Resources Offered by Local Companies

In Denver, several debt consolidation companies excel in providing financial education. Budget Savvy Financial, for instance, offers a wide range of online tools and resources. Their budgeting app is particularly popular, helping clients track their spending and set financial goals. Additionally, they offer webinars on various financial topics, making it easy for clients to access education from the comfort of their homes.

Debt Free Solutions is another company that prioritizes financial education. They offer in-person workshops and online webinars that cover everything from basic budgeting to advanced investment strategies. Their counselors are also available for one-on-one sessions, providing personalized guidance to help clients understand their finances better.

Consolidate Now provides detailed guides and resources on their website. These guides cover topics like understanding interest rates, managing credit, and avoiding common financial pitfalls. They also offer one-on-one counseling sessions, ensuring clients have the support they need to navigate their financial journey.

Quick Fix Consolidators, despite mixed reviews, also offers some educational resources. They provide basic budgeting tools and have a series of blog posts covering various financial topics. However, it’s essential to approach their resources with caution due to the company’s reputation for hidden fees and poor customer service.

By leveraging the educational resources offered by these companies, you can gain the knowledge and skills needed to manage your finances effectively. This education is a crucial component of the debt consolidation process, helping you achieve long-term financial stability.

Personalized Service and Support

Personalized service is a key factor in successful debt consolidation. Each individual’s financial situation is unique, and a one-size-fits-all approach often falls short. Look for companies that offer customized solutions tailored to your specific needs. For instance, Debt Free Solutions is known for its personalized approach. They work closely with clients to develop a consolidation plan that fits their budget and financial goals. This individualized attention can make a significant difference in your debt consolidation journey.

Personalized service goes beyond just creating a tailored plan. It also involves ongoing support and communication. A reliable debt consolidation company will be there to answer your questions, provide updates, and offer guidance throughout the process. Budget Savvy Financial, for example, has a dedicated support team that is always available to assist clients. Their responsive and supportive approach has earned them high praise from customers.

Moreover, personalized service can help you navigate unexpected challenges. Life is unpredictable, and financial setbacks can occur. Having a dedicated support team can provide the reassurance and assistance you need during tough times. Consolidate Now is known for its flexibility and willingness to adjust plans as needed. This adaptability can be crucial in helping you stay on track with your debt consolidation goals.

Another aspect of personalized service is the availability of financial counseling. One-on-one counseling sessions can provide tailored advice and strategies to help you manage your finances better. Many debt consolidation companies offer these sessions as part of their service. Debt Free Solutions, for instance, provides regular counseling sessions to help clients stay on top of their finances and make informed decisions.

Customer feedback also highlights the importance of personalized service. Reviews often mention how attentive and supportive the staff at these companies are. For example, a customer review for Budget Savvy Financial stated, “Their support team is incredibly helpful. They always take the time to explain things clearly and make sure I understand my options.” Such feedback underscores the value of personalized service in the debt consolidation process.

In summary, personalized service and support can significantly enhance your debt consolidation experience. By choosing a company that offers tailored solutions, ongoing support, and personalized counseling, you can increase your chances of achieving financial stability and reducing your debt effectively.

Examples of Personalized Service from Local Companies

Debt Free Solutions stands out for its personalized approach. They take the time to understand each client’s financial situation and develop a customized consolidation plan. This individualized attention helps clients feel more confident and supported throughout the process. Their high level of customer satisfaction is reflected in numerous positive reviews.

See also  Debt Consolidation Calculator

Budget Savvy Financial is another company known for its personalized service. They offer flexible repayment plans tailored to each client’s budget and financial goals. Their dedicated support team is always available to assist clients, providing a high level of customer service that sets them apart from other companies.

Consolidate Now offers one-on-one counseling sessions as part of their service. These sessions provide tailored advice and strategies to help clients manage their finances better. Their counselors are known for their patience and willingness to explain things clearly, ensuring clients fully understand their options.

Quick Fix Consolidators, while having mixed reviews, does offer some level of personalized service. They provide basic budgeting tools and financial advice tailored to each client’s situation. However, it’s essential to approach their services with caution due to their reputation for hidden fees and poor customer service.

By choosing a company that prioritizes personalized service, you can benefit from a tailored approach that addresses your specific financial needs. This personalized attention can make a significant difference in your debt consolidation journey, helping you achieve long-term financial stability.

Evaluating Online Tools and Resources

In today’s digital age, the availability of online tools and resources can greatly enhance the debt consolidation process. Many companies offer a variety of digital tools to help clients manage their finances more effectively. For instance, budgeting apps, online calculators, and educational resources can provide valuable support and guidance. Budget Savvy Financial, for example, offers a comprehensive suite of online tools that empower clients to take control of their finances.

Online budgeting tools are particularly useful. These tools allow you to track your spending, set financial goals, and monitor your progress. By using a budgeting tool, you can gain a clearer picture of your financial situation and make more informed decisions. Budget Savvy Financial’s budgeting app is highly rated by users for its ease of use and comprehensive features.

Debt calculators are another valuable online resource. These calculators can help you understand how different repayment plans will affect your finances. By inputting your debt amounts, interest rates, and repayment terms, you can see how long it will take to pay off your debt and how much you’ll save in interest. Many debt consolidation companies, such as Debt Free Solutions, offer online calculators to help clients evaluate their options.

Educational resources, such as webinars, articles, and guides, can also be beneficial. These resources can provide valuable insights into managing debt, improving your credit score, and achieving financial stability. Consolidate Now offers a wide range of educational resources on their website, including detailed guides on various financial topics. These resources can help you build a solid foundation of financial knowledge.

The convenience of online tools cannot be overstated. Being able to access your account, track your progress, and find educational resources from the comfort of your home can make the debt consolidation process much more manageable. Many companies also offer mobile apps, allowing you to manage your finances on the go. This level of convenience can be a significant advantage in staying on top of your financial goals.

Finally, online tools can provide a sense of empowerment. When you have the tools and resources to manage your finances effectively, you feel more in control. This empowerment can reduce the stress and anxiety often associated with debt. By leveraging online tools and resources, you can take proactive steps towards achieving financial stability.

Overview of Online Tools Offered by Local Companies

Company Name Online Tools Offered
Budget Savvy Financial Budgeting app, online calculators, webinars, financial education resources
Debt Free Solutions Debt calculators, financial planning guides, online webinars
Consolidate Now Detailed financial guides, one-on-one counseling sessions, online budgeting tools
Quick Fix Consolidators Basic budgeting tools, blog posts on financial topics

In this table, you can see an overview of the online tools and resources offered by notable debt consolidation companies in Denver. These tools can provide valuable support and guidance, helping you manage your finances more effectively and achieve your debt consolidation goals.

Flexibility in Repayment Terms

Flexibility in repayment terms is a critical factor to consider when choosing a debt consolidation service. Each individual’s financial situation is unique, and a flexible repayment plan can help you manage your debt more effectively. Look for companies that offer customizable repayment plans tailored to your budget and financial goals. For example, Budget Savvy Financial is known for its flexible repayment options, allowing clients to choose plans that fit their financial circumstances.

Flexible repayment terms can help you stay on track with your payments and avoid further debt. By choosing a plan that aligns with your income and expenses, you can make consistent payments without stretching your budget too thin. This flexibility can be crucial in helping you achieve long-term financial stability. Debt Free Solutions offers a range of repayment options, allowing clients to choose a plan that works best for them.

In addition to customizing repayment plans, some companies offer temporary payment relief options. Life can be unpredictable, and financial setbacks can occur. Having the option to temporarily reduce or defer payments can provide the breathing room you need during tough times. Consolidate Now, for example, offers temporary payment relief options for clients facing financial difficulties. This flexibility can help you stay on track with your debt consolidation goals, even during challenging times.

Another aspect of flexibility is the ability to adjust your repayment plan as needed. Your financial situation may change over time, and having the option to modify your plan can be beneficial. Look for companies that allow you to adjust your repayment terms without penalty. Budget Savvy Financial is known for its willingness to work with clients to adjust their plans as needed, providing a level of flexibility that can make a significant difference.

Customer feedback often highlights the importance of flexible repayment terms. Reviews frequently mention how accommodating and understanding the staff at these companies are. For instance, a customer review for Debt Free Solutions stated, “They worked with me to find a repayment plan that fit my budget. Their flexibility and support made a huge difference in my financial situation.” Such feedback underscores the value of flexibility in the debt consolidation process.

In summary, flexibility in repayment terms is a crucial factor to consider when choosing a debt consolidation service. By selecting a company that offers customizable plans, temporary payment relief, and the ability to adjust your plan as needed, you can manage your debt more effectively and achieve long-term financial stability.

Examples of Flexible Repayment Options from Local Companies

Budget Savvy Financial offers a range of flexible repayment options tailored to each client’s financial situation. Their willingness to adjust plans as needed has earned them high praise from customers. This flexibility can help you manage your debt more effectively and stay on track with your payments.

Debt Free Solutions also provides flexible repayment terms. They offer a variety of repayment options, allowing clients to choose a plan that fits their budget and financial goals. Their accommodating approach has made them a popular choice among clients seeking debt consolidation services.

See also  How to Handle Medical Debt as a Self-Employed Entrepreneur

Consolidate Now is known for its temporary payment relief options. This flexibility can provide the breathing room you need during financial setbacks, helping you stay on track with your debt consolidation goals. Their understanding and supportive approach has earned them positive reviews from clients.

Quick Fix Consolidators, despite mixed reviews, does offer some level of flexibility in repayment terms. However, it’s essential to approach their services with caution due to their reputation for hidden fees and poor customer service.

By choosing a company that prioritizes flexibility in repayment terms, you can benefit from a customized approach that fits your financial needs. This flexibility can make a significant difference in your debt consolidation journey, helping you achieve long-term financial stability.

Track Record and Customer Satisfaction

When selecting a debt consolidation service, it’s essential to consider the company’s track record and customer satisfaction. A company with a proven history of successful debt consolidation services is likely to be more reliable and trustworthy. Look for companies that have been in business for several years and have a history of helping clients achieve financial stability. Budget Savvy Financial, for instance, has been providing debt consolidation services for over a decade, earning a reputation for reliability and effectiveness.

Customer satisfaction is another crucial factor to consider. Reviews and testimonials can provide valuable insights into the company’s performance and customer service. High ratings and positive feedback are indicators of a company’s commitment to customer satisfaction. For example, Debt Free Solutions has consistently received positive reviews for their personalized service and effective debt consolidation plans.

The Better Business Bureau (BBB) rating is also a useful metric to evaluate a company’s track record. A high BBB rating indicates that the company meets high standards of business ethics and customer service. Consolidate Now has an A+ rating from the BBB, reflecting their commitment to ethical practices and customer satisfaction. This rating can provide additional reassurance that you’re choosing a reputable company.

In addition to the BBB rating, look for any awards or recognitions the company has received. Industry awards can be a testament to the company’s excellence and innovation in debt consolidation services. Budget Savvy Financial has received several industry awards for their outstanding service and innovative financial tools. These accolades can further validate the company’s credibility and reliability.

It’s also worth considering the company’s response to customer feedback. How do they handle complaints and negative reviews? A company’s willingness to address issues and improve their services can be a sign of their commitment to customer satisfaction. For instance, Debt Free Solutions is known for their proactive approach to resolving customer complaints, demonstrating their dedication to providing high-quality service.

In summary, a company’s track record and customer satisfaction are essential factors to consider when choosing a debt consolidation service. By selecting a company with a proven history of success, high customer satisfaction, and a commitment to ethical practices, you can increase your chances of achieving financial stability and reducing your debt effectively.

Highlighting Customer Satisfaction and Track Record of Local Companies

Budget Savvy Financial has a long track record of successful debt consolidation services. They have been in business for over a decade and have consistently received high ratings and positive reviews from customers. Their commitment to customer satisfaction and ethical practices has earned them several industry awards, further validating their credibility and reliability.

Debt Free Solutions is another company with a strong track record and high customer satisfaction. They have received numerous positive reviews for their personalized service and effective debt consolidation plans. Their proactive approach to resolving customer complaints demonstrates their dedication to providing high-quality service.

Consolidate Now has an A+ rating from the Better Business Bureau, reflecting their commitment to ethical practices and customer satisfaction. They have also received positive feedback from clients for their transparent processes and supportive approach.

Quick Fix Consolidators, despite mixed reviews, does have some positive feedback from clients. However, it’s essential to approach their services with caution due to their reputation for hidden fees and poor customer service.

By considering a company’s track record and customer satisfaction, you can make a more informed decision when choosing a debt consolidation service. This can help you find a reliable and trustworthy company that meets your needs and helps you achieve financial stability.

Conclusion

In conclusion, debt consolidation can be a powerful tool for managing your finances and achieving financial stability. By combining multiple debts into a single payment, you can simplify your financial situation and potentially reduce your interest rates. However, it’s crucial to choose the right debt consolidation service to ensure a successful outcome.

When evaluating debt consolidation services in Denver, Colorado, consider factors such as reputation, credentials, financial education, personalized service, online tools, flexibility in repayment terms, and track record. By thoroughly researching these aspects, you can find a company that meets your needs and helps you regain control of your finances.

Yelp reviews and customer feedback can provide valuable insights into the company’s performance and customer satisfaction. Look for companies with high ratings, positive reviews, and a proven history of successful debt consolidation services. Additionally, check for accreditations from recognized organizations, such as the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA).

Financial education is a crucial component of the debt consolidation process. Look for companies that offer educational resources, such as budgeting tools, webinars, and financial planning guides. These resources can help you understand your finances better and avoid future debt.

Personalized service and support can significantly enhance your debt consolidation experience. Choose a company that offers tailored solutions, ongoing support, and one-on-one counseling sessions. This personalized approach can make a significant difference in your journey towards financial stability.

Flexibility in repayment terms is another essential factor to consider. Look for companies that offer customizable repayment plans, temporary payment relief options, and the ability to adjust your plan as needed. This flexibility can help you manage your debt more effectively and stay on track with your payments.

Finally, consider the company’s track record and customer satisfaction. Look for companies with a long history of successful debt consolidation services, high customer satisfaction, and a commitment to ethical practices. By selecting a company with a proven track record, you can increase your chances of achieving financial stability and reducing your debt effectively.

By taking these factors into account, you can find a debt consolidation service in Denver that meets your needs and helps you achieve long-term financial stability. Remember, the goal is to simplify your finances, reduce your debt, and build a more secure financial future. With the right support and resources, you can take control of your financial situation and achieve your goals.

Summary Table of Key Considerations for Debt Consolidation Services

Key Considerations Description
Reputation Look for companies with high ratings and positive reviews on platforms like Yelp.
Credentials Check for accreditations from organizations such as NFCC and FCAA.
Financial Education Choose companies that offer educational resources, such as budgeting tools and financial guides.
Personalized Service Look for companies that offer tailored solutions and one-on-one counseling sessions.
Online Tools Consider companies that provide online tools, such as budgeting apps and debt calculators.
Flexibility in Repayment Terms Choose companies that offer customizable repayment plans and temporary payment relief options.
Track Record and Customer Satisfaction Look for companies with a long history of successful services and high customer satisfaction.

This summary table highlights the key considerations to keep in mind when evaluating debt consolidation services in Denver. By focusing on these factors, you can find a reliable and trustworthy company that helps you achieve financial stability and reduce your debt effectively.

Get Debt Relief Today

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

"Super fast, and super courteous, Delancey Street is amazing"
Leo
$500,000 MCA Restructured Over 3 Years
"Thanks for helping me in literally 24 hours"
Jason
$250,000 SBA Loan Offer in Compromise
"Great choice for business owners who need a trustworthy partner"
Mary
$350,000 MCA Restructured Over 2 Years

In The Media

Delancey Street CEO discusses ways to reward employees
Delancey Street CEO discusses the benefits of franchising on Forbes.
Delancey Street CEO discusses management on AMEX.
Best Ohio Financial Advisors

Best Ohio Financial Advisors What to Look for in a…

Best Ohio Bankruptcy Lawyers

Best Ohio Bankruptcy Lawyers Navigating the complex world of bankruptcy…

Best Ohio Turnaround Management Firms

Best Ohio Turnaround Management Firms What to Look For When…

Best Oklahoma Business Debt Counselors

Best Oklahoma Business Debt Counselors Navigating the complex world of…

Best Oklahoma Financial Advisors

Best Oklahoma Financial Advisors Finding the right financial advisor is…

Delancey Street simply gets it. You're talking to experts.
Steven Norris
Get Help Today

Ready To Get Started?

If you have questions, feel free to shoot us an email, or fill out our live chat.

Schedule Consultation