http://www.debt-free-guide.com/debt/debt-consolidation/debt-consolidation-services/ Debt consolidation services are so numerous its hard to find the right service. So look harder - the more intense your search for debt consolidation services, the better your results. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Debt consolidation services fall into one of two super-catergories: Those services that provide you with a debt consolidation loan - the company pays off all your creditors immediately, and now you're only debt is to the company you are working with. Those services that manage all your variable debts for you - you send your company a monthly payment, they disburse it as necessary on your behalf. There are hundreds of subtle differences beyond this principle one, and the debt consolidation services you secure will be unique to your situation, your goals, and your abilities. Be sure you find the best debt consolidation services that work for YOU. Making sure you've found the right debt consolidation services What are you looking for in a debt consolidation company? What are your assets - do you have a mortgage? Is a debt consolidation mortgage a possibility? Know these things, and understand that not all debt consolidation services will be able to offer you exactly what you are looking for - but then again some services will. Make a list of your available assets, all the leverage you have over your debt, and search for the companies that will help you maximize that leverage to your greatest benefit. Then let the games begin! Once you've found a series of debt consolidation services you feel can help you achieve the desired debt effect, its time to get looking at the details - costs, perks, timelines, risks. Student loan debt consolidation is a huge business, yet most companies offer extremely similar solutions to a seemingly universal problem. Its all in the details. Don't be afraid to go digging You will find hundreds of online debt consolidation services all willing and able to assist you in your fight against debt - but not all of them will be the right choice for you. They can't be, there has to be some level of competition, something a specific company provides better or more of than all the rest. And unfortunately, its up to the individual to find that one thing that matters most. If its lower overall monthly payments you need, look for the company wiling to extend your debt consolidation program over a few years. Until you've found something you are completely comfortable with, keep looking. You have time, that debt isn't going anywhere, and the more detailed your search the better chance you will have of finding something truly exceptional. Sat, 26 Jul 2008 15:00:00 EDT