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  • Debt Buyers will purchase your debt!
  • Substantially lower monthly payments
  • Get debts off your credit while you
    pay back creditors!
  • Zero upfront costs to enroll in
    program!
  • Become debt free in 8-15 months!

Would you like to consolidate your credit card bills and free yourself from debt?

Our debt consolidation service is here to help you!

After you fill out the short online form with your contact information, a professional debt counselor will contact you and provide a free credit card debt analysis, and discuss your options.

You may then decide if the program is right for you.

Why Consolidate Your Credit Card Bills Through Our Website?

The answer is simple. You get a free, no-obligation credit card debt evaluation from a consumer recommended company.

  • Drastically lower or even eliminate interest rates!
  • Eliminate late charges and over the limit fees!
  • Substantially reduce your monthly payments!
  • Cut the years it takes to pay off your debt, fast!
  • Consolidate your bills into one simple payment!
  • No Credit Checks, Home ownership NOT required

The 3 Popular Methods of Debt Consolidation Loan Program

For those who have big debts and bad credit history, it would be a good idea to apply for debt consolidation loans. Debt consolidation loans are basically personal loans intended to pay for the borrower's other loans. It is also utilized to rehabilitate the borrower's credit score.

The borrower may choose among the credit debt consolidation options that are available. Two of the most popular credit debt consolidation programs are the secured loans and unsecured loans.

The Unsecured Debt Consolidation Loans

The Unsecured Debt Consolidation loan is a credit debt consolidation program that does not require collaterals. Items that are usually used for collaterals are real properties, and other assets that are tangible such as cars, stocks etc. Unsecured debt consolidation like any other credit debt consolidation programs combines all your credit card balances into one so that you will only pay for one account monthly.

Unsecured loans charges interest rates that are lower than the ones charged by credit card companies. However, their counterpart-the secured loans offer interest rates that are a lot lower but you need to put up your asset as collateral to guarantee the new loan.

The Secured Debt Consolidation Loans?

Secured debt consolidation loans works the same as the unsecured credit debt consolidation only that it requires the borrower to pledge collaterals. Collaterals are put up so in case the borrower fails to pay up, the lending company can turn to the collateral as form of payment. One of the most effective kinds of secured loans is Cash out Refinancing. In this method, borrowers can pledge the equity of their homes to get a loan and allocate it to where they think it is needed.

The Credit Card Balance Transfer

One of the methods that are frequently used in the credit debt consolidation is the balance transfer. This loan is advisable for borrowers who do not have assets to put up as collateral.

With credit card balance transfer method, consumers can transfer the balances of credit cards with high APRs to a credit card that has the lowest interest rate and a better payment option.

The APRs or Annual Percentage Rates that previously runs from around 12% to 24% can be lowered to as low as 10% to 0%. This means that the borrower would save a lot on interest charges alone. There are also interest rates that come from 2% to 0% that are available in the market. This kind of credit debt reduction is very appealing to experienced borrowers as they will see it as an opportunity to reduce their credit card debts.

In choosing the right credit debt consolidation loan, you have to consider what you have and what you think suits your condition. Unsecured loans have slightly bigger interest rates, but they have fewer requirements. In the other hand, Secured Debt Consolidation Loans seems to be easy to maintain, but it is risky as well. Failure to repay the loan may mean losing your lifelong investments especially your house.