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Debt consolidation is the act of combining several unsecured debts into one bill which can help you manage your bills in case you cannot pay several bills with different due dates.

Deb relief programs help you in a murky situation; however, you will have two principal debt-relief options- debt settlement and bankruptcy, and these will drastically affect your credit score.

Debt consolidation is a wise choice if the individual is drowning in debt, and cannot negotiate any lower interest rates with their credit card companies.

National Debt Relief, New Era Debt Solutions, Accredited Debt Relief, Freedom Debt Relief, Pacific Debt Inc. are the top debt consolidation companies.

Yes, debt relief consolidation program affects the credit score since it implies that you do not follow a proper payment schedule, and this can harm your future prospects.

In most cases you are not responsible for another persons debt when they die, unless you are a co-signer on the account. If however, that person was your spouse and you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin), debts incurred during the marriage are considered commu