Debt consolidation is considered to be one of the most helpful debt relief options. You can either try consolidating the debts on your own or else, you can get the help of a debt consolidation company. Now, if you go for help to a debt consolidation company, you will be required to enroll into a debt consolidation program. Now, you must be wondering if there are any free debt consolidation programs available. The answer to this is that there are no free debt consolidation programs available and if you want to consolidate the debts for free, you will have to try and consolidate the debts of your own.
Debt consolidation for free
Whenever you will go to a company or agency for help, you will have to pay them money; because this is the way they make money. So, it is quite obvious that you can?t get free debt consolidation programs to pay off your debts. But, if you really want to consolidate the debts for free, you will have to consolidate the debts on your own.
In order to consolidate the debt for free and on your own, you will have to either do balance transfer on the debts that you have, or you will have to take out a consolidation loan. In case of balance transfer, you will have to transfer the balance from all other debts into one debt. So, this is the best consolidation option for free, if you have too many credit cards with high interest rates.
On the other hand, if you have many unsecured debts along with credit cards too, you can consolidate these by taking out a consolidation loan. You can again avail of two options from here; you can either take out an unsecured loan so as to consolidate the debts or else you can also take out a secured loan like mortgages (in general).
In order to consolidate the credit cards through balance transfer, you will have to transfer the balance from all of the other credit cards to the one with extremely low interest rate in comparison to others. Or else you can also take out a new credit card which is offering you 0% interest on balance transfer.
As for the consolidation loan, you will have to shop around so that you can really get a good loan offer with much affordable terms like a low interest rate.
Source: http://www.laoroots.com/can-you-ever-get-debt-consolidation-help-for-free/
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