What are Credit Counseling and Dept Consolidation ?
It is the combination of one or more existing loans into a single loan.

What is it?
The aim is to reduce the monthly repayments and the debt ratio.
The existing credit will be reimbursed by a financial institution. In their place, you will not have a single credit. Your level of debt will be reduced, your monthly payments will be reduced and spread over a longer period.

To note :
The dept consolidation can occur on any type of dept.

In which case make a Credit Counseling ?

* You need money? The purpose of difficult months ? A debt ratio too high? Do not hesitate! The dept consolidation is the solution!
* You have new projects? You need a timely financing, but your accumulate credits ? Group your credits through the Loan Consolidation !
* Your split ? You have too many interlocutors ? Simplify your accounts for having more than one monthly payment!

Am I entitled to the Dept Consolidation ?
The answer is YES ! Even if you wipe denials from the banks, following a bankruptcy, for example!
If you are an employee or retiree, tenant or landlord organizations to repurchase taking into account credit guarantees that you can provide and the risks.

To note :

* If you own a property, you may obtain a mortgage. You consolidate all your depts under way, and you fill your needs money in exchange for the mortgage on your home.
* If you are a tenant (or owner) you have access to personal credit. You will consolidate into a single loan consumer loans, credit car or motorcycle, the appropriations work, ... And will make your life easier.