Debt Consolidation Loans?

I was wondering if anyone knows which companies offer the best debt consolidation loans. I would like to consolidate my credit cards and my vehicle loan if possible. I have done some research online but have only found a few companies that offer debt consolidation loans and I am not sure who would be best to go with. I am not behind on my payments and do not need credit counseling debt management. I do have a lot of debt though and would like to consolidate into one monthly payment to help save interest and to save a little money each month.

Debt Consolidation Loans?

Why get a debt consolidation loan? These companies don%26#039;t do this for free you know. How sure are you that the first couple of payments you send them are actually going to pay off your debt, instead of there pockets? My advice to you is get a part time job and pay down your debt that way. Atleast you know where the money is going and its free!!!

Debt Consolidation Loans?

I think you should get a loan with a bank, that would be the best thing to do. I don%26#039;t recommend debt consolidation, it shows up in your credit report. It%26#039;s like you couldn%26#039;t pay your credit cards and you needed a financial counsler to help you. They usually work with the creditors and try to give them less than what you owe them. It%26#039;s usually for people that are in collections already. So watch out and try a bank loan. You would have to let them know that it%26#039;s to pay off other credit cards, otherwise they may deny you the loan (if you already have a high balance on your credit cards alltogether).

Debt Consolidation Loans?

Wait a minute--think about it--money owed is money owed--doesn%26#039;t matter to who or if it is consolidated. That whole scheme is stupid--it won%26#039;t change a thing--you still have to pay the money---so don%26#039;t fall for the ads--they don%26#039;t consolidate for free--so more money will be wasted. Just forget it. Get a second little job for extra money---if you are working, you won%26#039;t be able to go out and spend your cash. Millions owe money--if consolidation was so good--the money loaned would come from one place---money is big business--so is consolidating--it is one bank trying for your business---it is NOT a free change over and it won%26#039;t save you a thing--go find something to do and forget about it.

Debt Consolidation Loans?

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Debt Consolidation Loans?

Tackling multiple credit card debts can be quite confusing and will require a lot of effort. Consolidation of various credit card debts is an obvious solution. But, finding a company which takes care of this task most efficiently is not an easy job. The five questions mentioned below will help you find a right credit card debt consolidation agency, which won%26#039;t burn a hole in your pocket and get you the best deal.

1. How professional they are?

Checkout the credentials of the credit card debt consolidation company. Did they help out customers with similar problems? Ask for references and contact them. Get a feedback about the company. Know about the professional expertise of the people involved in the company. This will help you gain confidence that your problem of credit card debt will be handled efficiently.

2. Is it non profit?

Yes, there are companies out there who offer free credit card debt consolidation help. Its your duty to find them out. These companies have people who don%26#039;t work for profit. The fact that they don%26#039;t charge you doesn%26#039;t mean that they are inept. Many such organizations are run by people who themselves were once a victim of credit card debt. They bring their genuine experience of tackling such problems. Lookout for one such company and get help without paying a penny.

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