Cons to consolidating debt dating old bibles

It's a do-it-yourself approach that comes with some risk, but if you know what you're doing, you just might save your own bacon if debt gets too heavy.DIY Debt Negotiation Debt negotiation, also known as debt arbitration or debt settlement, is a sensitive yet critical issue.The idea behind do-it-yourself debt negotiations is to reduce or minimize the payments you make to a creditor who you are likely already in arrears with. Consolidating usually buys you some time and bundles all of your loans and debts into one payment.

Being Your Own Debt Manager The primary advantage of being your own debt management advisor is that nobody knows your personal financial situation like you do.

Try starting off with a manageable 90-day trial period.

At the end of that time, if you've made solid inroads and have negotiated your debt downward and you credit score upward, keep at it.

For many people, admitting that they have a debt problem is as far as they want to go.

After that, it's time to pass the baton to a professional debt counselor or credit repair company.

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