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When my wife and I were in debt, we were researching every way possible to get out of it and to do so quickly.The stress from carrying all the debt was so overwhelming that we were motivated to take whatever actions were necessary to eliminate our debt in a short period of time.Consolidation isn’t a silver bullet for debt problems.It doesn’t address excessive spending habits that create debt in the first place.While bankruptcy plays a vital role to help rescue individuals and businesses, it is important to recognize that it's not the only debt relief option.
There are a couple of different options we explored when we were deciding whether debt consolidation was right for us.
This led us on a quest to see whether or not debt consolidation was worth it. Debt consolidation is when you combine multiple debts into one debt, primarily so that you can lower the interest rate for all the debts that you previously held.
For us, some of our credit card balances had interest rates that were over 20%.
Over the years one of the most common questions we get from people who come to our site is "How does it work?
" This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.
And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners cannot pay us to guarantee favorable reviews of their products or services. " At Nerd Wallet, we strive to help you make financial decisions with confidence. Debt consolidation rolls high-interest debts, such as credit card bills, into a single, lower-interest payment.