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The amount of your monthly payment will depend on the total amount, interest rate, and payment terms of your consolidation loan.

There are thousands of companies that claim they can help you consolidate or manage your credit card debt so that you pay less or reduce your payment.

Debt consolidation is the process of taking out one loan to pay off two or more unsecured debts.

If you have multiple outstanding credit card bills, for example, a debt consolidation loan could be used to pay off those bills, leaving you with only one monthly payment.

This amount is then distributed to your creditors, often at reduced interest rates - allowing you to get out of debt faster. Ask what services the company provides - some will perform in-depth evaluation of your monthly expenditures while others are simply calling DMPs.

These services can carry both initial and monthly fees - find out exactly what you will be paying and where your monthly paymernts will go.

After a point, debts become expenses in themselves, as interest compounds and missed payments lead to late fees. There are several available options for consumers- credit counseling and debt management plans, debt consolidation, and debt settlement are strategies that sometimes make sense.

Depending on your situation, these options may be able to assist you in lowering your payments or interest rates and reducing the amount you ultimately owe.

In the end both of these options typically end up charging a lot of interest and that makes it difficult to get ahead.If your bank has turned you down for a loan, your financial pressure is mounting, and you really need to consolidate all your payments, then you would likely benefit from speaking to a non-profit Credit & Debt Counsellor. Credit Counsellors are simply money and debt coaches who typically really care about helping people find solutions to their financial problems.Most reputable non-profit credit counselling and debt relief services offer free, confidential appointments with their Credit Counsellors.When you obtain a debt consolidation loan, you pay off all of your outstanding credit cards with its proceeds.This means that instead of owing money on multiple credit cards, you now have a single obligation.On top of that, some non-profit agencies are also able to erase all records of your bad debts that were on their program two years after you complete it.