debt consolidation involves taking your unsecured debts (credit cards, medical bills, collections, etc.) and basically turning them into one account so that your payments are condensed.  By having just one convenient monthly bill to take care of, you will find it much easier to remember to make the payment on time.  Additionally, the payment will generally be about half of what you were used to paying each month.  Debt consolidation can provide great relief to those struggling to make their minimum monthly payments.

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