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If you are tired of seeing your credit card balance rise every month …and the balance has reached levels that are starting to overwhelm you ...

And that’s is where a The conventional method for consolidating debt is to get a loan from a bank, credit union or online lender.The agency may also get the card companies to waive late fees or over-the-limit fees. Debt management programs usually take 3-5 years to eliminate debt.If you miss a payment, they can revoke whatever concessions were made on your interest rate and monthly payment.Debt consolidation is especially effective on high-interest debt such as credit cards.It should reduce your monthly payment by lowering the interest rate on your bills, making it easier to pay off the debt.

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