Debt Consolidation

Debt Consolidation in Corpus Christi

Manage Your Debt With Ease

Even if you’re working hard to manage your money correctly, paying off high-interest debt every month can make it hard to reach your financial goals. No matter how much you owe, it can take months or even years to get out of debt.

One way to deal with multiple debt payments is by consolidating. Debt consolidation is a form of money management where you pay off existing debts by taking out one new loan, usually through a debt consolidation loan, a balance transfer credit card, student loan refinancing, a home equity loan or a HELOC.

Debt consolidation is the process of merging multiple debts into a single debt. Instead of making separate payments to multiple credit card issuers or lenders each month, you roll them into one payment from a single lender, ideally at a lower interest rate.

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When you consolidate your credit card debt, you are taking out a new loan. You have to repay the new loan just like any other loan. If you get a consolidation loan and keep making more purchases with credit, you probably won’t succeed in paying down your debt. If you’re having trouble with credit, consider contacting New Chapter Financial Solutions.

Consolidation means that your various debts, whether they are credit card bills or loan payments, are rolled into one monthly payment. If you have multiple credit card accounts or loans, consolidation may be a way to simplify or lower payments. But, a debt consolidation loan does not erase your debt. You might also end up paying more by consolidating debt into another type of loan.

Before you use a consolidation loan:

Take a look at your spending. It’s important to understand why you are in debt. If you have accrued a lot of debt because you are spending more than you are earning, a debt consolidation loan probably won’t help you get out of debt unless you reduce your spending or increase your income.
Make a budget. Figure out if you can pay off your existing debt by adjusting the way you spend for a period of time.
Try reaching out to your individual creditors to see if they will agree to lower your payments. Some creditors might be willing to accept lower minimum monthly payments, waive certain fees, reduce your interest rate, or change your monthly due date to match up better to when you get paid, to help you pay back your debt.

Banks, credit unions, and installment loan lenders may offer debt consolidation loans. These loans collect many of your debts into one loan payment. This simplifies how many payments you have to make. These offers also might be for lower interest rates than you are currently paying.

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What does Salary Finance offer my employees?

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Debt Consolidation