You have two options to consolidate and reduce your debt if you don?t own a home. First, you can use the services of a debt consolidation agency. They will negotiate lower interest rates and smaller payments. The other option is to take out a personal loan and pay off your debt. The best option depends on your financial situation.
Debt Consolidation Agency
Debt consolidation agencies, also called credit counseling, offer many credit services. Their primary job is to help you pay your debt and bills by negotiating lower rates and payments with creditors. If you have bad credit or on the verge of bankruptcy, this service might be your best choice.
You aren?t charged any fees by these agencies since they are funded by financial companies. Financial companies View the rest of this article
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