Consolidating credit card debt companies

Before you do, let's take a look at the pros and cons of each option.With a credit card consolidation loan, you work with a lender to combine all of your unsecured debt into one monthly payment., Care One will negotiate with your creditors to pay back a portion of your existing debt.This is a good option if you have more debt than you can pay down.The lender will pay off your credit card bills, and in exchange you’ll enter into a loan agreement with the lender to pay back the money.For a credit card consolidation loan to be worth your while, you’ll want a plan that offers a lower interest rate and/or lower monthly payments than you’re currently paying to your creditors.NASDAQ reports that consumers pay an average of 15% on credit card debt, and those with a revolving balance tend to pay even higher rates.

To free up cash to pay down your credit card debt, you must try to cut your costs, increase your income, or both.If you’ve got some free time you can increase your take-home income by making money on the side.Here are some ways to make extra cash: Budgeting is no one’s favorite pastime, but you’ve got to create a realistic debt management plan.It’s helpful to mention competing offers or plans that you’ll consider if your creditors don’t seem willing to work with you.As with any financial goal, whether you choose a credit card consolidation loan or other payoff method depends largely on your current financial situation, including your existing debts, whether you can afford your current monthly payments, the interest rates you’re now paying to your creditors, and how quickly you’d like to pay off your bills.

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