The following companies are several of the most popular sites offering debt consolidation services.
There are basically two types of companies that consolidate debt listed here. The first type is a company that will loan you money to pay off your debts; the second type will take your debts and then re-negotiate with the people you owe money to. You will then stop making payments to the companies you originally owed money to and instead make one monthly payment to the service that consolidated your debt.
Which method is best? The answer depends upon your individual situation. I'm not a lawyer and this is not legal advice, but for someone with a decent, stable job and a fairly solid financial foundation, getting a tax-deductible home equity loan or a refinanced mortgage to pay off credit card debt is a pretty good financial move. However, for someone who is deeply in debt with credit cards and other debts and/or doesn't have a stable job, transferring that extra debt to your home can be a risky move. A person in that situation may look to the debt re-negotiation services as the better way to go.
FreeDebtConsolidation.com
One of the Internet's first and most popular providers of debt consolidation services. They offer a very simple and user-friendly approach to their services.
Credit & Debt
This debt consolidation service offers help for the financially strapped household. No obligation or credit checks.
Beneficial
For over 125 years, Beneficial has been helping people and their financial needs. Their short application can assist you in applying for a mortgage refinance loan or home equity loan to consolidate your debt, or even just a personal loan. Beneficial offers loans to those that may have less than perfect credit. Beneficial is a subsidiary of HSBC - North America, one of the largest banking and financial services organizations in the world. They have the experience to help you save some money each month and reach your financial goals.
Simple Debt Relief
Simple Debt Relief have helped hundreds of people settle their debts, avoid filing bankruptcy and build strong, secure futures. Their Debt Settlement Program negotiates on your behalf to actually eliminate your debt. Get more info.
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