Credit card debt consolidation is the cheapest way to eliminate debt, for consumers with less than perfect credit.
Personal loans have lower interest rate but shorter have terms and higher monthly payments. Persona loan will help you get out of debt. You have to stop charging on your credit cards. The best way to this is to cut your credit cards.
Debt modification will have a temporary effect on your credit. Your credit should recover and in most cases will surpass your current score.
Research the company that you choose very carefully. It is ideal to find a company that is performance based. Stay away from fix fee companies.
Credit unions don’t negotiate.