Have you ever stopped to think of what the benefits would be to do a debt consolidation
? Are you tired of paying the several bills a month and then being charged late fees each month because you ran out of money? Have you found yourself thinking that you don't want to incur another bill so you don't want to look into doing a debt consolidation?
Did you know that several states and debt consolidation companies offer free services or almost free services to help you get out of debt? Believe it or not there are several that have your best interest at hand. I had thought that for several years. I figured that there was no way they could save me money and it would just end up costing me more money.
I finally hit a point that I wanted to look into it and see what my options were. I figured a phone call wasn't committing me to anything and that it was still in my control. As I found the right debt consolidation company to work with I was amazed at what they could do for me. Not only could they negotiate with each of the companies I owed money to, but they would take care of paying them each month. With the negotiations they were able to get companies to age the accounts forward so I wasn't paying anymore late fees.
I figured that was a huge savings every month even if it was just one account each month that was accruing the late fees. They were also able to negotiate interest rates, due dates and even the amount of the monthly payments so they were more affordable for me. The minimal fee wasn't even noticeable with all of the savings they came up with.
With all of the things they did for me it wasn't only money that they saved me, but they saved me time and saved my credit. Things were now showing current and that I was being responsible and taking care of my debts. The other really nice thing was that over the years there are times that payments are not credited correctly or just general problems that arise with credit card companies and when you have a debt consolidation company that you are working with they will make those calls for you and help you straighten things out.
You don't have to feel all alone. You have everyone pulling for you to eventually be debt free. With debt consolidation you will find hope that you will be debt free.