America Debt Consolidation

Wondering whether you should consolidate your debt? The following signs indicate that you are in need of debt consolidation. If one or more of these factors applies to you, you could significantly benefit from meeting with a debt management counselor who can help you establish a debt consolidation plan:

- You make only the minimum monthly payments on your credit card accounts.
- You regularly argue with your family about finances.
- You’ve borrowed from people in order to meet your primary expenses.
- You’ve missed payments on bills and/or charge accounts.
- You are finding it difficult to save any money.
- You pay off one credit card bill by charging the payment to another.
- You’ve exceeded your credit limit.
- You have an excess of five credit or payment cards.
- You’ve paid late or over-the-limit fees.
- You’ve written checks and hoped they wouldn’t clear until you got your next paycheck.
- You have trouble meeting your fixed expenses.
- You’ve taken out a loan or loans in order to pay your bills, and are unable to keep pay off your principle in more than the minimum monthly payments.
- Your income is depleted by monthly credit card and bill payments.
- You put off making payments until the day before they’re due because you can’t afford to make them any sooner.

Consolidating your bills into a single low monthly payment will give you just the margin you need to catch up on your bills and release yourself from the stronghold of debilitating debt.

Do You Need Debt Consolidation?