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You can consolidate debts several different ways. The most popular options are to get a debt consolidation loan, to go to a consumer credit counseling agency or contract with a debt settlement firm. How can you know if you should be considering debt consolidation? Here are the kinds of debt problems that could be helped through debt consolidation.
If you're in payday loan hell
If you're unable to get out of the payday loan cycle, debt consolidation should be a good option. A debt consolidation company such as National Debt Relief could help. We can provide you with effective debt advice and help you consolidate all those payday loans into one low single monthly payment.
People with credit card debt problems
If you have serious credit card debt problems, debt consolidation can help. We could negotiate with your creditors to get your debts reduced, which would help you get out of debt in 24 to 48 months. When you choose National Debt Relief, you pay nothing until we have settle your debts successfully and provided you with a payment plan you approve. In other words, there are never any upfront costs.
If you often miss debt payments
If you have been missing payments on your unsecured debts, we can negotiate with your creditors to reduce the balances on credit card bills hospital bills and department store charge cards. This will eliminate the late fees and penalties that are associated with missing bill payments. You'll be able to pay off your bills through small monthly payments and become debt free.
People who can't manage unsecured debts
Debt consolidation can be especially helpful for people who cannot manage their unsecured debts. If you don't know what are unsecured debts these are debts were you were not required to provide an asset as collateral. In comparison, secured loans are those where you did provide an asset such as your house or car to collateralize the loan. Debt settlement can do nothing about secured loans. However, if you're having a problem with unsecured debts, we can negotiate settlements with your creditors and provide you with a program that will require just one monthly payment. Debt settlement can be better than a debt consolidation loan because if you have bad credit, you may have a problem qualifying for such a loan.
If you just want to become debt free
Debt consolidation through debt settlement can be very helpful if your goal is to become debt free. If you let us settle your debts, you'll be rid of all those creditors and debt collectors who have been harassing you. In fact, if you contract with us and then receive a call from a debt collector or creditor, we will contact that company, inform them that we are now representing you and that they are no longer to contact you.
If debt settlement seems like a good option
If you have problems with debt you feel could be settled through debt settlement, give us a call or fill in the amount of debt you all in our form on this page. We'll be happy to discuss debt consolidation through debt settlement and show you how we can help you become debt free through one of our debt reduction plans. Whether you choose debt settlement or not is completely up to you. However, we can provide you with the information you'll need to make a wise decision.