Consolidating credit card debt cibc run
Get at least 3 estimates from credit card consolidation companies before choosing one.
The question is not whether they work. How long until I am debt free?
However, taking out a big loan can be tricky. If you only have one or two credit cards, it may be easier to call your creditors and try to negotiate better interest rates on your own than to pay third party fees for the service. When you work with a bank or other for-profit debt consolidation firm, you will pay fees in the form of interest and loan origination charges to secure and maintain a debt consolidation loan.
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