Online complete guide for bad credit credit card debt consolidation we are in troubled times at the moment, the recession will be around for a lot longer than we think and people are getting swamped by companies who are offering services and solutions to help US get out of the debt we find ourselves in. If you are thinking about going down this path and using a company to apply for a bad credit debt consolidation loan you need to research and read these offers very carefully, especially the small print. There are a lot of scams out there and hiring one of these companies could make your finance debt even worse! Tired of annoying bill collectors? Exhausted of trying to pay off debt? DEBT RELIEF IS JUST A CLICK AWAY! CUT YOUR MINIMUM MONTHLY PAYMENTS BY 50% OR MORE! SLASH YOUR INTEREST RATES DOWN TO ZERO! Right now we are in a very high rate of employement. In fact, the highest rate of employement for 25 years and it’s going to take some time to recover. Families are struggling to keep their heads above the water and just getting through the week is a challenging and stressful situation. It seems the rate of unemployement rising is matched with the rising complaints against crooked and sham debt consolidation/negotiation companies.

Be careful consumers are overwelmed with offers coming in from every direction over every media thats being used today. It s very easy to get confused by all the terms and technical jargon these companies are to stand using but you need back and do some of your own research and get your Elf educated to a level where you can make a good decision that you won t regret of later down the road. You don t want to dig a bigger hole for yourself and get more into debt! Below is a letter description of the various debt consolidation loans out there the first type of loan to explain is the debt settlement or debt negotiation loan.