Our Services | About Us | Sitemap | Contact Us

Consolidate Debt Now

Debt Consolidation Application Form

What our Users say about us?

“After going through a terrible car accident, and then a nasty divorce, I was struggling to pay my bills each month. I made my credit card payments on time, and just paid the.....more

“I consider myself to be very fortunate in finding out about your company and the possibility of debt consolidation. Up until recently, I was having a real hard time making ends meet every month. .....more

Loan Amount ($)

Term in Years

Select One 2 years 3 years 5 years 7 years 10 years 15 years 20 years 25 years 30 years 40 years 50 years

Interest Rate (%)

View all Calculators

Get Online Debt Consolidation Help

Reduce monthly payments by up to 60%. Stop creditor calls. Become debt free in as little as six months.

Consumer Debt Consolidation: An Effective Way To Debt Freedom

Millions of Americans find themselves in an unsustainable financial position every year, usually because the amount of money that it takes to keep all of their bills current and to take care of living expenses is now greater or equal to the amount of income coming in every month. Just paying the minimum amount that is due on your credit cards each month will get you absolutely nowhere. If your credit cards are maxed out and you only make the minimum payments that are due, it will literally take you 25 years or more to pay off most of your credit cards! So, simply going month to month in this same situation will not lead you anywhere at all, it is just a waste of your time. Many people in this situation consider bankruptcy, however, bankruptcy is not for everyone. A consumer debt consolidation service can help you to get out of debt over 2 or 3 years. Compare that to the 25 or more years that it will take you to become debt free if you leave things they way that they are (and that’s assuming that you don’t use your credit cards at all for the entire 25 years while you are paying them off!) Consumer credit debt consolidation services are able to reduce your monthly payments by up to 50% or more while at the same time paying off your principal balances quickly. They achieve this by negotiating with your creditors to have your interest rates lowered or dropped, and by having late fees and penalties stopped and, in many cases, refunded.

Types of Consumer Credit/Debt Consolidation

There are a few different ways that consumer credit debt consolidation can be achieved. Some are:

1. Consumer Debt Consolidation Services, such as the ones mentioned on this page, negotiate your debts down for you and allow you to make one payment to cover all of your credit card and other unsecured debts, paying off your debts in a fraction of the time it would otherwise take you, and making your monthly payment affordable and based upon what you can afford.

2. If you are a homeowner, there are various types of Mortgage related loans and Refinancing:

• A Home Equity Line of Credit or Home Equity Loan can be used to pay off your debts all at once, leaving just the equity loan to be repaid at the interest rate that is negotiated at the time of the loan.
• Cash-out mortgage refinance to use as a debt consolidation loan. This is a mortgage refinance where you take out extra cash to pay off your bills with. One thing to remember here is that if you refinance for 30 years, now you will be paying on that debt still for another 30 years.
• A Debt Consolidation Loan is also a form of mortgage refinance where the lender will take into account that you are paying off your bills when they refinance your mortgage and give you part of your equity to pay your credit cards and other bills off with.

The down side to using your home’s equity or refinancing your mortgage in order to pay off your bills is that you are not really getting rid of the debt, you are only moving it for your credit cards to your house. This will make your mortgage payment go up and it will make it take longer to pay off your house. The up side is that you can also pay off secured bills, such as your car loan, with one of the loans mentioned above.

There is no charge to speak with a debt consolidation expert to find out what your options are. Simply complete our consultation request form.

There are pros and cons of every type of credit card debt consolidation program. You should take your time to study them along with the terms and conditions mentioned by each. This can facilitate your decision about which types of credit consolidation services are going to help you the most at minimizing your consumer debt.

Consumer Credit Consolidation Advantages

Some of the major benefits of consolidating consumer debts through debt consolidation are as follows.

• One monthly payment replaces multiple unsecured bills like medical bills, payday loans and credit cards.
• Consolidating consumer debt reduces mental stress because you need not directly deal with your creditors, the debt negotiator will handle that for you.
• The collection calls from the creditors or lenders stop quickly.
• The interest rates on you debts are so drastically reduced that most of the money that you pay every month will no go to the principal balance that you owe.
• Consumer credit consolidation reduces the amount of money that you pay to your creditors every month, yet your debts are paid off much more quickly.
• It becomes easy to do the monthly budgeting when you have just one affordable payment that covers all of your credit cards, loans, medical bills and other unsecured debts.
• Now that your bills are never late, as they are being paid by the debt consolidation company, with each month that goes by, your credit score will actually go up!

What is Non Profit Consumer Credit Counseling?

Non-profit consumer credit counseling is NOT debt consolidation, although it is commonly confused with it. A non-profit credit counselor will look at your debts, income, and expenses and will help you to draw up a budget that works for you, so that you will be able to pay your bills and living expenses every month with the income that you have right now. Non-profit consumer credit counseling will not in any way eliminate your debts in the way that a debt consolidation service can. Non-profit consumer credit counseling will, however, show you how to live within a budget so that you can pay your creditors on time every month.

Our Debt Consolidation Services

Once you complete the debt consolidation quote request form on this website you will be contacted for a free consultation session with one of our expert debt consolidation counselors. They will show you how easy it can be to put your debts behind you.

The expert debt consolidation professionals in our nationwide network are not like other credit consolidators. They have a case specific approach and recommend a specific debt management plan only after thoroughly analyzing your financial situation. Our debt consolidation services will help you to see that you can be free of debt just as soon as you want to.

The Loans Store technology and processes are exclusively owned and Copyrighted © by theloansstore.com - 2010 LoansStore, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only. Conversion to LoansStore, LLC.

REALTOR ® -- A registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics.

Feel free to checkout our Privacy Policy and Terms of Use.