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And third, you need to have just enough money for essential expenses, some savings and your debt. While you're on the plan, your payment remains constant.If you have too much cash left over, you're better off managing the accounts on your own. You never have to wonder how much you should be paying each month, as it will be the same amount until all creditors are satisfied.
Clearly, consolidating debts through a debt management plan with credit counseling agency can be helpful, but you may also be able to achieve the same results on your own. Suspend charging and request rate reductions from each of your creditors.The truth is debt consolidation loans and debt settlement companies don’t help you slay mammoth amounts of debt.In fact, you end up paying more and staying in debt longer because of so-called consolidation.Get the facts before you consolidate or work with a settlement company.Here are the top things you need to know before you consolidate your debt: But here’s the deal: debt consolidation promises one thing but delivers another.