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Here is a list of our partners and here's how we make money. For most consumers, debt settlement is a risky option. A key difference between debt consolidation and debt settlement is who's in charge. Debt consolidation is a do-it-yourself strategy that you control. Enrolling in a debt settlement program puts you in the hands of debt relief companies that may or may not successfully settle your debt.
Businesses that bill themselves as debt consolidation companies, like Freedom Debt Relief and National Debt Relief , in fact sell debt settlement programs that require you to stop paying your bills and instead make monthly payments into a separate savings account.
Debt consolidation offers a way to bundle a number of outstanding debts into one monthly payment, which may help you manage your finances more efficiently. Debt consolidation is a way to combine a number of outstanding debts into a single loan with one monthly payment.
There are several options to choose from if you decide to move forward with debt consolidation. The type and amount of your debts should figure into your choice.
But before you make a balance transfer, make sure you understand exactly when and how your new card will start charging you interest. Look out for balance transfer fees and note that depending on the card, any new purchases you make on your card may not be subject to the promotional interest rate.
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