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Debt Consolidation Loans

The Basics of Consolidation Loans

If you think loan consolidation or debt settlement might be for you, then you've come to the right place. Millions of Americans struggle to get out of debt every day. That's no way to live.

What they Are

Debt consolidation loans are a way for people in debt to reduce collection calls and easily manage their budget with one simple monthly payment. Do your research here, then call or fill out the form above to talk to a debt specialist for free consultation and debt evaluation. You'll be making the first, and most important, step toward controlling your debt once and for all.

Who They Work For

The benefits of loan consolidation are fairly obvious. If you're buried in dozens of monthly bills, late fees and collection calls, a single payment option may alleviate a lot of stress. In many cases, you can choose from extended payment plans, graduated payment plans or even schedule payments depending on your cash from month to month.

What are the alternatives?

If your debt is mainly unsecured, including credit card debt, medical debt or personal loans, debt settlement may be a better path for you. Debt settlement also enables a single monthly payment, and can help many people find debt relief faster than they thought possible.

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Debt Consolidation Loans
vs Debt Settlement

Both loan consolidation and debt settlement can help simplify your monthly expenses and get you on a path toward financial freedom.

When to Consolidate

If you're struggling with your mortgage, car or student loan payments, debt consolidation companies could help simplify your debt and possibly reduce the stress of monthly payments to several different creditors. Loan consolidation generally involves combining several debts into one payment to your consolidator every month. So instead of having several creditors, you’d have one. Your consolidator, or lender, pays your creditors, and then you pay the consolidator back.

Consolidation may also reduce your rate on certain loans. You may also get to choose a potentially better rate by comparing competing lenders. Finally, debt consolidation loans can help reset your finance timeline. A fresh start means that your loan repayment time is extended.

When to Settle

Certain loans are ineligible for consolidation. For example, if you have already consolidated loans, you may not have the option to try that path again.

If you have business or personal loans, credit card bills or medical expenses, then debt settlement may also be an option for you. With debt reduction, the goal is to actually reduce the amount you owe through negotiation with your creditors.

When you work with a debt settlement company, you set up one monthly program payment and let them handle the rest. They'll manage paying your creditors individually and reducing your debts. You simply continue to pay your monthly program payments and enjoy the knowledge that you're doing everything you can to get out of debt as quickly as possible!

You can arrange to have a low monthly program payment while a debt settlement company negotiates with your creditors. You could resolve your debt sooner that you thought possible. In fact many customers resolve debts in as little as 24 to 48 months.*

Debt Consolidation Companies

Choosing debt consolidation companies can feel overwhelming, especially when you may not be sure which debt solution is best for you in the first place.

We understand that every situation is different. Simply call or fill out the form above for a free consultation with a debt specialist. The debt specialist will evaluate your debt and suggest a debt solution. These trained professionals will help you understand more about debt settlement and can refer you to other solutions if you are not a candidate.

Take the next step towards living life without the stress of unmanageable debt.

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