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While credit companies are under no obligation to negotiate your payments, the best debt consolidation companies may be able to consolidate your debt to a single, monthly payment or negotiate to lower the total amount of debt that you owe.For more information on the best debt consolidation loans and credit management options, have a look at our articles on debt consolidation.The top performers in our review are National Debt Relief, the Gold Award winner; New Era Debt Solutions, the Silver Award winner; and Accredited Debt Relief, the Bronze Award winner.Here’s more on choosing a service to meet your needs, along with detail on how we arrived at our ranking of 10 systems.Many of these options work hand in hand or as part of a larger debt reduction program, but in general, these are your choices: Debt Settlement: Settlement is the process of negotiating with your creditors in hopes of reducing the total amount of debt that you owe them.
When you start pursuing debt management options, you may get many mixed messages from those in the debt relief industry.
Because there is no general industry consensus as to what the best options are, we have narrowed down your options.
Sometimes you reach a point where debt becomes overwhelming.
Late payments, medical bills and personal emergencies can all add to a mounting amount of debt.
When you begin this process, you set aside funds each month into a separate, insured account.
While you're building up your funds, the company or lawyer you've selected negotiate with your creditors in an attempt to lessen the total amount of debt that you owe.