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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

Debt Consolidation Pros and Cons That You Should Consider

Advertisements for debt consolidation is everywhere - on TV, newspapers, online and you can even read it in your mail. It seems that debt consolidation is the best option when you find yourself swimming in an ocean of debt. Before you jump into the bandwagon, better consider the following debt consolidation pros and cons .

Weighing the Benefits and Risks

If you are covered in debts, like you have 4 credit cards that are already maxed out, a house loan and a car loan and you are barely making the minimum payments, then you are really in deep trouble.

You have probably heard of debt consolidation and think that this is the answer to your problems. However, you should weigh the benefits and risks that come along with debt consolidation and find out if it is really your best option. Here are some debt consolidation pros and cons to help you decide.

An average American has to pay off around 11 creditors every month and that could really be stressful since you would have to figure out when to pay and how much to pay them. With debt consolidation, you only have to make one payment making it easier for you to manage your finances.

Debt consolidation also promises reduced interest rates mostly because they are secured loans, meaning your debt is tied to a property or any item of value. Creditors give you a much lower interest rate because they have something to depend on just in case you are unable to pay your debt. With lower interest rates and with just one payment to make, your monthly payment is significantly reduced.

Sounds good, right? However, here are more debt consolidation pros and cons that you should consider.

Since debt consolidation asks for a lower amount, it would take a longer time to pay off the debt. It usually takes 10-30 years to pay off a debt and most of the times you end up paying a bigger amount than if you continued paying for each individual loan on a short period.

There are also bigger risks involved in dealing with debt consolidation companies. Credit card companies have unsecured loans so if you cannot pay the debt, only your credit rating and history would suffer. But debt consolidation loans are secured loans and you can end up losing your car or even your house.

Debt consolidation is not for everyone. You should carefully decide if the benefit of debt consolidation outweighs the risks. Always try to verify debt consolidation pros and cons if it is really applicable to your situation.