Do you need help eliminating credit card debt? 

You have many options.  You can consolidate your debt into one loan, lowering your interest rate and monthly payment.  You can go through a non profit debt consolidation company and that company will negotiate with your creditors to lower your monthly bills.  There are also other companies that can help you manage your debt and lower your bills.

Make sure you use a reputable company online.  There are some fraudulent debt consolidation companies that will charge excessive fees and could leave your credit in worse shape than you started out with.

Our recommended debt consolidation companies:

Our Recommended Debt Consolidation Companies:

Helpful Tips:

1. Apply with more than one company to compare offers.
2. Study your options before committing to a debt program.
3. Cut out small luxuries to pay down debt at the beginning of your debt reduction program.

Debt consolidation companies vary in what types of consolidating solutions they offer. There are debt counseling companies, debt settlement and negotiation companies and debt management companies.

Debt Counseling - Debt counseling companies offer, usually, non-profit services to help you reduce the amount you owe on your debts. However this service may hurt your credit ranking. Talk to the company and find out if what they do will affect your credit ranking.

Debt settlement and negotiation - This is a process where a company will negotiate a lower payment or lower amount owed to the lender, on your behalf. Sometimes this can hurt your credit also. Debt settlement companies vary in their techniques. Before you choose a company, make sure you read through some reviews about that company before you start.

Debt Consolidation - Debt consolidation is where you take out a new loan in order to consolidate and pay off all existing debt. This usually lowers your overall payments and reduces the amount your paying every month. Not only does debt consolidation not hurt your credit, but it can actually help it.