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Debt consolidation agencies specialize in bundling consumer debt. The principle is simple: a consumer who owes varying amounts of money to a host of unsecured creditors can consolidate this debt with such an agency. Instead of paying seven, 10 or more monthly payments to a variety of locations, there is only one monthly payment to be made. This makes budgeting a lot easier, of course, and greatly curtails the possibility of forgetting to make a payment or actually losing a bill. At the same time, the overall bundled amount of debt makes it easier to see success as it is being paid down.
While convenience is perhaps an enjoyable side effect of debt consolidation, there is another reason why consumers like to work with a debt consolidation agency: these businesses negotiate with creditors and more often than not have resounding success in decreasing the overall amount of money owed. Revolving credit and the interest rate that mercilessly eats up the majority of the monies paid make it hard to gain headway in the overall goal to become debt free. When the amount of money that is outstanding becomes less, it is a lot easier to envision becoming debt free. Most debt consolidation agencies work hard to make it possible for their clients to become debt free in less than six years.
Whether or not you should work with a debt consolidation agency is the kind of question that demands a different answer from each individual debtor. For example, if you only have one or two credit cards and you find that if you make serious inroads to paying down the principal, then you might not actually benefit from the services of a debt consolidation agency. You see, the problem that may arise from this kind of activity is the fact that creditors will potentially leave derogatory notations on your credit file, most notably the fact that your overall indebtedness was renegotiated rather than paid on as agreed. If you have a manageable amount of debt, it is not necessarily worthwhile to undergo this kind of risk.
On the flipside, if you have a lot of consumer debt, find that you are sinking each month, and may face either a future bankruptcy or the potential of running behind in your bills, damaging your credit report in a myriad of ways, then a debt consolidation agency could be quite possible the answer. Such an agency can once again make it manageable to pay off debt and will have the potential to set you on the road to financial freedom, even if you have the notation on your profile that you underwent credit negotiations for a settlement of the total balance due.
As a consumer, it is well worth your time to research the various debt consolidation businesses advertising to you, find out what they offer, and also investigate their professional reputations. Moreover, checking out the scope of the services they profess to offer to consumers is another worthwhile endeavor. Thereafter, a visit to a credit counseling agency may make it easier for you to make your decision about employing such an agency or trying to continue paying on your own.
Krista Scruggs is an article contributor to Debt-Settlement411.com. Debt Settlement 411 connects you with credit card debt settlement companies that can help you avoid bankruptcy. We have several debt negotiation companies within our network, each with their own strengths and specialties. Depending on your specific situation, we will match you up with the right company.
Shannon Arnold is an article contributor to Lender411.com where you can shop for the lowest mortgage rates. Whether you are looking for fixed mortgage rates, variable adjustable mortgage rates (ARM), jumbo loans, interest only or even specialized mortgages such as bad credit mortgage or reverse mortgages, we will match you with qualified lenders that will provide you with online mortgage quotes.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.