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You also could look at a personal loan to pay off your balances. Are you worried about losing your home or your car? Many people face a financial crisis at some point in their lives.If you or someone you know is in financial hot water, consider these options: self-help using realistic budgeting and other techniques; debt relief services, like credit counseling or debt settlement from a reputable organization; debt consolidation; or bankruptcy. It depends on your level of debt, your level of discipline, and your prospects for the future.The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums.A loan with a longer term may have a lower monthly payment, but it can also significantly increase how much you pay over the life of the loan.
Through this, you can consolidate your multiple credit card bills into a single payment every month.
There are three major types of debt consolidation: Debt Management Plans, Debt Consolidation Loans and Debt Settlement.
These are not quick fixes, but rather long-term financial strategies to help you get out of debt.
Computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.
Debt consolidation loans allow borrowers to roll multiple old debts into a single new one, ideally at a lower interest rate.