Does Debt Consolidation Work

There are a lot of different programs available and each consumer has a different case, but in general, debt consolidation programs do work.

It can take a long time (three to four years) to have all the debt paid off, but when you compare that to the 20-30 YEARS it takes when paying the minimum payments to the credit card companies, that timeline is very short and good deal indeed. Another key item in determining if a debt consolidation program will work for you is the affordability of the monthly payment. Credit card companies have been raising the minimum payments, putting pressure on family incomes, so a debt consolidation program needs to help reduce the monthly payment. We see most debt management programs have very similar payments to the minimum payments required by the credit card companies, and debt settlement programs have the lowest payments and therefore the greatest payment savings when compared to the other available programs.

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