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subject: Debt Consolidation Tips - How Debt Consolidation Can Help You Long Term [print this page]

Debt Consolidation Tips - How Debt Consolidation Can Help You Long Term

When you have multiple sources of debt such as credit cards or a couple loans, it can get hard to pay them back and you may even start to consider bankruptcy. But there's no real need to do so at this moment as there is a much better alternative in the form of debt consolidation.

Generally, debt consolidation means getting a loan and paying off your debt with the money and being left with the safer payments of the loan. This is a good way to turn unsecured debt into secured debt as this type of loan is usually backed by collateral such as government funds or your own property. In addition, one line of debt is much easier to keep track of and control than an array of different sources of debt that tend to evolve differently each month.

With debt consolidation you can be debt free as soon as you are done paying back the loan, which is usually no more than five years. And although it will cause a drop in your credit score initially, you will be able to bring it back up by simply paying the monthly installments. So in the long run, you will be able to get rid of your debt faster that it would have been possible by simply dealing with each source of debt at a time. This method is also more efficient as you won't have to pay several lines of interest, all at different rates, instead you will have one that you can easily plan and handle so that you can be free of it in as little time as possible.

In the end, debt consolidation is a very good debt relief method, but if you plan on using it, you may want to hurry up as it may not be around for long - after all it is a method created out of the necessity of short term stability. So feel free to use it so you can be free of debt and start living a free, prosperous life once again.

Debt settlement is a viable alternative to filing bankruptcy. Most consumers are able to eliminate at least 60% of their unsecured debt while avoiding many of the negative consequences with filing bankruptcy. If you are over $10k in unsecured debt you will be eligible for debt settlement. To locate legitimate debt settlement companies in your state check out the following link:

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