Options to consolidating credit cards

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Review this option with your human resources department and a qualified financial planner.

Nonprofit credit counseling agencies provide stressed-out debtors with another form of debt consolidation.

There is usually a small monthly administration fee.

You would be required to close the accounts and agree to not open more while the plan is in effect.

To find an accredited credit counseling agency, contact the National Foundation for Credit Counseling or the Financial Counseling Association of America.

Yet another way to consolidate your debt is by asking a friend or family member for a loan.

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There are many balance transfer cards, so review the bulk of them before deciding.

It begins with a free counseling appointment where you develop a budget and analyze your assets and liabilities.

A debt management plan may be introduced as a way to pay off your credit card bills.

To start the search for consolidation loans, check out Personal and Bad Credit Loans.com, which can connect you to a network of lenders and will shorten the application process.

With a balance transfer credit card, you can move existing credit card balances to a new credit card account.

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