ø Debt Consolidation ø

The absolute best debt consolidation is not needing it in the first place. Consolidation is something you should try to avoid, but you have to start early on. Once you start developing habits of uncontrolled spending it is difficult to reign in your desire to purchase. That is the primary reason people [...]

If someone asks you to loan them money for a personal consolidation loan, you should proceed with caution. If they have financial habits that have put them in a position where they need to have their credit consolidation, you want to make sure they have broken these habits before loaning them money.
Also you should [...]

You can use your home equity to do a consolidation loan. In this type of setup you will be using the value of your house as equity to borrow against. If your spending habits are out of control, this is a poor choice because you may end up losing your home. However [...]

There are a number of ways to do a self made consolidation loan. Here are a few ides of ways that might help you consolidate your debt for free.

Loan from Family - Not always the best option, but it can help some people.
Borrow against 401K or 403b - Can be a great way to [...]

A lot of people are looking for online debt consolidation programs. While this sounds convenient, it might not be the best option. If you use an online consolidation program, it is more difficult to understand their reputation. There is big money in debt consolidation and consolidation loans, so more than a few [...]

This is another way to do a do-it-yourself debt consolidation. If you are in very serious financial trouble and can’t control your spending, this method could get you into even more trouble, but if you are reasonably disciplined, it can be a simple way to lower your interest rates.
Debt Consolidation on a Credit Card
Credit [...]

Debt consolidation is a last resort. The best plan of action is to avoid ever getting into a situation where you need debt consolidation services at all. This is where credit counseling can be very valuable. You sit down with a financial adviser who helps counsel you in how to change your [...]

Is there a federal government debt consolidation loan program available in the US?
Most people will tell you that there is not a government debt consolidation program in the USA. There are consolidation programs available for student loans and in some cases there may be debt consolidation loans available to help corporations out of debt [...]

One source of do-it-yourself debt consolidation funds are personal loans. A personal loan is something that comes from an individual as opposed to a bank.
Are personal loans a good source of funds for consolidation
This can be a tough question to answer. Sometimes, personal loans can be a very good way to [...]

A lot of people think that if a company is non-profit then they must be looking out for the interests of consumers instead of themselves. That is not always the case.
Non-Profit Debt Consolidation Scams
In some cases a “non-profit” debt consolidation company presents itself as a legitimate non-profit specifically designed for the goodwill of helping people [...]