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Call me now Close As Featured On DebtConsolidationCare - First step to success When a debt consolidation plan is right for you Want to pay only once every month Save on interest rates and monthly payments Need to get out of debt quickly Avoid extra fees and penalties How you can benefit from it Handle credit card debts smartly Save a lot on interests, fees, and fines Likely to receive fewer collection calls Pay less to creditors every monthHi! Welcome to DebtConsolidationCare - The Internet’s first get out of debt community . Every year many millions of people come to our website and get help and information that they’re looking for on topics mostly related to debt and credit. We’ve just redesigned our website and made it easier for you to get to the information that you’re looking for. Up above you’ll see that we cover the most popular topics would you like to learn. How to get out of debts in 4 or 5 years with a reduced monthly payment by using credit counseling tactics and debt management plans. Do you want to connect with a professional? Do you want to do it on your own? Do you want to calculate your options? Do you want to compare those options all that’s available to you when you click on that tab? Would you like to learn how to avoid bankruptcy by using negotiation and settlement strategies with your creditors? Would you like to connect with a professional who can show you and assist you in doing just that? Would you like to learn how many of our hundreds of thousands of community members have been able to do that for themselves through our forums. That informations are there. Are you dealing with a debt collector? Well, 1 in 7 Americans are right now. So if you’re here looking for information about a specific collector that you received a phone call from or a letter from, click on debt collectors. Learn about how to deal with those situations . Do you need a professional to help? Have you been a victim of harassment from a debt collector? We’ve got resources and professionals for you to connect with. In fact, at any time if you need professional resources on any of those topics, pick up the phone, call the 800 number that you see on your screen throughout all of our website and get connected with one of those professionals and talk with them at no cost to you. Do you need credit recovery? In other words, you’ve had a negative credit event and you’re trying to recover your credit profile or your score, fix items that are inaccurate. When the credit reporting bureaus report in front of Congress that over half of the files that they maintain on Americans contain inaccurate erroneous information, you might just want to take a look at our credit monitoring section of our website . We’ve got a ton of tools that are available for you. Letters, things that you can start to do to be proactive in helping yourself help your credit because nobody else is going to do that for you. Bankruptcy. Very popular in today’s economy. Over a million people file for bankruptcy each and every year. Would you like to learn more about bankruptcy? Why most people think it’s an option of last resort when it can actually be considered as an option of first resort? How do all of your options stack up against bankruptcy? Sometimes bankruptcy makes a lot of sense. Click any one of the topics that are most popular and a little sub menu will open up and you’ll see the forum section. Click a forum , go right there, and you’ll find where information is being shared every minute here on our website. So you can learn what other people are doing, how they’re navigating and even some of our moderators and experts learn from them as well. We’ve put together so many tools here at DebtCC for you to embrace, use, get results. We’ve got calculators. We know for every question there’s an answer, for every problem there’s a solution and we’ve got access to both. Debt consolidation - What is it? It is a way to manage your multiple debts efficiently. By consolidating debt, you can repay the outstanding balances at a relatively lower rate of interest and with the help of single monthly payments. Consolidating debt - Is it good? How does it work? Debt consolidation is good for those people who are unable to pay off credit card debts, personal loans, payday loans, private student loans and medical debts due to costly financial mistakes. This debt relief option is good for those who want to pay off unpaid debts, manage multiple bills efficiently, pay less on interest rates and save money. Know more about its pros and cons... How much debt consolidation can save you Let us see this example to know how debt consolidation would work for you. Your total credit card debt (20%) - $25,000 Your outstanding balance on a payday loan (10%) - $15,000 Your outstanding balance on a personal loan (15%) - $20,000 So, your average interest rate (20% + 10% + 15%)/3 = 15% After you consolidate your debts, your interest rates are lowered to: Credit card - 15% Payday loan - 8% Personal loan - 10% So, the new interest rate is (15% + 8% + 10%)/3 = 11% This implies you’re paying 4% less on the interest rate. If your total debt is $ 60,000, then you’ll save (4% * 60000) = $2400. Can you consolidate debt with bad credit in your state? It is a bit difficult to take out a debt/bill consolidation loan with a bad credit record. So, it will be better if you look for other options to consolidate your credit card debt along with other unsecured debts in your state. It will be helpful for you to know if there are any specific laws about payday loans and how to deal with other unsecured debts. Texas this is for Texas text. go to the the link Texas California this is for California text Alaska this is for Alaska text Debt relief plans Debt Settlement This option can help you take control of your financial life by paying a reduced amount up front. Read More Debt Management Through this option, you can replace your multiple bill payments with a single low monthly payment. Read More Interest Rate Arbitration In this process, you replace your unsecured bills with a secured loan at a low-interest rate. Read More Bankruptcy This is a legal option which can help you get your financial life back in order and you can start afresh. Read More Eliminate your unsecured debts with different types of debt consolidation Debt consolidation program This is where the experienced counselors of a debt relief company help you organize an easy and budget-friendly single monthly payment plan. With this option, you replace your multiple credit cards and other bills with a single monthly payment. It helps you pay off your debts within a certain period. Read more... Debt consolidation loan This is where you take out a personal loan from a financial institution, such as a bank, to pay off your multiple creditors immediately. Through this loan consolidation option, you make one consolidated low monthly payment on the new loan. You can obtain this loan with easy terms if you have a good credit score. Read more... Payday loan consolidation This is where you can consolidate your multiple payday loan debts with a simple payment plan at a low-interest rate. You don’t have to pay extra dollars for fines, high-interest rates, and penalties. Just...