Debt consolidation can help when you have lots of credit card bills. We offer free debt consolidation and bill consolidation advice. Our credit card debt consolidation and debt settlement free articles may be a good way to avoid a consumer credit counseling service, which does not handle a collection agency or collection. Neither does credit counseling.
You must be extremely cautious about using a debt consolidation, debt settlement company or debt negotiation company. People are so desperate for credit card debt consolidation, and there are many shady credit card debt collection companies out there, and it is easy to fall prey to one. Things to watch out for include:
- Promises of lowering interest rates for bill consolidation to unreasonably low rates. It's usually only consumer credit counseling services that do this kind of thing. And they don't deal with a collection agency, either.
- A debt settlement company may also tell you to just not pay your credit card bills and wait for them to charge off and go into collection. During the time you are not making your credit card payments, they will ask you to make payments to them, effectively building up a "savings account". At this point the money in your "account" will be used to settle your debt. The result: ruined credit and you wind up paying more because you could have done the same thing yourself. After all, it doesn't take much let your credit card accounts get in the hands of a collection agency. You literally do nothing.
Free debt consolidation is easy if you are willing to do a little work for yourself. Don't groan. It's not that hard. Bill consolidation is easy if you just follow our directions on this website. We offer credit counseling. Another option is a consumer credit counseling service, which may offer credit card debt consolidation, and help with an aggressive collection agency.
In summary: credit card bills can be eliminated with our free debt consolidation and bill consolidation advice. We don't offer credit card debt consolidation, but our free debt consolidation advice eliminates the need for debt settlement and a consumer credit counseling service, which does not handle a collection agency or collection. We offer credit counseling as well.
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