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Debt consolidating advice

But you should first consider other debt management options.Bankruptcy information stays on a credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or sometimes get a job.

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If you have multiple credit card accounts or loans, debt consolidation through a credit counseling service can help simplify or lower your payments.

Your state Attorney General’s office can help you find out your rights under your state’s law.

If you're unable to pay your creditors, filing for bankruptcy can help you get a fresh start by liquidating your assets to pay off your debts or create a payment plan.

But you should first consult a qualified credit counselor.

You may be able to lower your cost of credit by consolidating your debt through a home equity loan or home equity line of credit.


  1. Oct 11, 2012. A radio financial expert recently suggested a couple get credit counseling regarding their $90000 in credit card debt. Here's why this is a bad idea.

  2. Feb 29, 2012. It's hard for me to give you specific advice, since I don't know all the details of you situation. Usually if you have a good credit score you can get a lower interest rate via a consolidation loan from a company like Lending Club or from a local credit union or bank. But you may need more help than that, if your.

  3. Jan 7, 2013. Dear Lifehacker, I've racked up a good bit of credit card debt, and while I'm slowly paying it down, it's a pain wrangling multiple bills with different interest rates. My credit union is offering debt consolidation loans with a lower rate than any of my cards—should I take that, use it to pay off all of my cards, and.

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