Top 4 Online Debt Consolidation

Want to pay all your bills with one check? Debt consolidation may be the answer. It's not a loan or bankruptcy but a program, run primarily by nonprofit organizations, that helps reduce interest rates, eliminate late-payment fees and lower payments.

With consolidation plans, organizations such as CreditAndDebt and Educational Loan Company arrange for you to pay off your debts within three to five years, although it may vary depending on your needs. That's a pretty attractive idea, considering it takes the average person 10 to 20 years to make credit balances disappear. However, participating in a consolidation program could affect your ability to get new credit or a loan because some creditors will put a red flag to lenders on your credit report. Here's the top 3 debt consolidator plans:

1. CreditAndDebt
Located in the beautiful Salt Lake City, Utah, CreditAndDebt was formed in 1998 by a group of business people who had worked in the areas of credit and debt extensively. Experience ranged from working directly with the credit bureaus on credit restoration to contacting creditors to lower monthly payments and beginning the process of financial recovery. They have pooled together an intimate knowledge of the industry from an inside-out perspective and have researched and selected companies that they feel best benefit the consumer. They'd like to become your ultimate resource for credit and debt solutions. Click here to become Debt Free

2. Educational Loan Company
The Educational Loan Company (ELC) is dedicated to providing discounted educational loan products. At the same time, delivering a high level of one-on-one counseling to its borrowers. With today's overwhelming and ever increasing college costs, more and more families are borrowing funds to help pay for their student's educational needs. ELC understands that many students and parents are unaware of the advantages and benefits offered with these federal educational loan programs.  Through one-on-one counseling, ELC's loan specialists help their customers to understand all the different options available through these Congressionally-backed federal loan programs. Got Student Debt? 1.375 % Student Loan Consolidation Payments cut 70% Start Saving Now

3. AllOptions
At AllOptions, they process is quick and simple! They offer Free, Multiple Quotes from companies competing for your business. To get started, simply select a product and request your multiple, competitive quotes. They will search their national database to find you the best companies to meet your needs. Once they have been located you will be contacted by them so they can offer you the most competitive deals on the market. You'll be assured that you're getting the best deal when companies are competing for your business. It's so important to check All your Options before you buy. Click here for Debt Consolidation Loans. Receive a Free, No Obligation competitive quotes today.

4. American Consumer Credit Counseling
American Consumer Credit Counseling can assist you in providing workable solutions for your financial problems. ACCC is a non-profit organization offering confidential and professional debt counseling to consumers throughout the United States. ACCC has a staff of professional counselors who focus on helping those currently experiencing financial difficulties or who anticipate problems in the future. Most often our program serves as an alternative to bankruptcy as well as a "good faith" effort on the part of the client. Take the first step to getting your debt under control. Credit Problems?...Debt Growing?...Need Help?... Click here To Learn Your Rights And Options.

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