Reasons To Consolidate

Stop Collection Calls
Lower Monthly Bills
Free Credit Counselors
Repair Your Credit
Get Out of Debt For Good
Foreclosure Facts
Loan Modification
Debt Elimination
Debt Settlement
Debt Negotiation
Personal Debt Freedom
Debt Management Plans
Debt Consolidation Guide
5 Steps To Debt Relief
Types of Debt Relief
Tips To Reduce Debt
Understanding Tax Debt
Payday Loan Relief
Debt Negotiation Letter
Debt Verification Letter
Credit Card Help
Credit Card Rules Changes
Store Credit Cards
Fix Credit Card Debt
Debt Consolidation Loans
How Debt Consolidation Affects Credit
Free Bill Consolidation?
Reduce Your Debt
The Debt Snowball
Financial Planners
Medical Debt Guide
Seniors in Debt
How to Keep Your Job
What if You Don't Pay Bills
Wage Garnishment
Mortgage Hardship Letter
Get Out of Debt
Bad Credit Personal Loan
Life After Bankruptcy


Bill Consolidation without Fees

The latest economic nosedive has made bill consolidation into a kind of trend for American consumers. This increased demand for bill consolidation, most commonly known as debt consolidation, has opened the door for more bill consolidation companies and services - and increased competition. To make one company more appealing over another, companies have begun offering “free” bill consolidation services.

For consumers in a real bind, free bill consolidation can be just the break they need to finally break out of their debts - but is it truly free? Every business has to make a profit - how can these companies still profit without charging the consumers any fees? Although free bill consolidation can sound like a fishy deal, too good to be true, or riddled with red flags, the truth is it could make your quest for financial freedom possible. Nevertheless, it is always worthwhile to check with the Better Business Bureau to make sure you’re dealing with a reputable agency.

How Companies Profit With Free Bill Consolidation

free bill consolidation - does it exist?Most bill consolidation companies have three rounds of fees for their clients. Most commonly they charge you to open an account and evaluate your situation, then to send letters and correspond with your creditors, and a final fee when they meet to negotiate the loan structure. With so called free bill consolidation, the company negotiates down your debt while collecting the full amount from you.

The difference between what the company manages to negotiate and your payments, along with a few other techniques commonly used to increase their profit margins, account for the service fees. You may think you’re getting scammed because although you’re not being charged additional money for the services, you’re still not benefiting from the debt negotiations. However, it isn’t likely you would be able to negotiate with your creditors on your own to get your debt lowered.

Video: Consider Loan or Debt Consolidation

Free Bill Consolidation is a Win-Win

Your creditors are willing to drop some of the debt for the bill consolidation company because it is a third party. You probably haven’t been the best customer - otherwise you wouldn’t be in this situation - so it isn’t in your creditors’ best interest to decrease your debt if you call them up out of the blue. Working with a third party takes the responsibility off of your creditor to collect the debt, and often the bill consolidation company guarantees debt repayment in exchange for the decrease, sometimes even repaying the debt in full right then and there. They may also take out a loan to further increase their profit margin and free capital to repay your creditors, perhaps in your name, perhaps not - it all depends on your arrangement with the company. In the end, you only have no more harassing phone calls and only one low monthly payment, and maybe even a few additional bonus points added to your credit score. With free bill consolidation you have nothing to lose and everything to gain - so call our toll free number or fill out the form to get a grip on your financial freedom today.

Video: Knowing Your Credit Rights Will Help You Get Out of Debt

List of non-profit debt consolidation agencies:

Auriton Solutions
(877) 322-8777

Consumer Credit Counseling Service Of Los Angeles
(800) 750-2227

National Budget Planners Of South Florida
(954) 785-8618

Tides Foundation
(415) 561-6400

Family Debt Arbitration
(603) 483-0593

Commonwealth Catholic Charities
(804) 285-5900

Ifmc Down Payment Asstnc
(386) 668-3636

Blue Haven Capital LLC
(630) 588-3800

S C Ministry Foundation
(513) 347-1122

IA Global Inc
(813) 261-5157

Mass Housing Investment Corporation
(617) 850-1000

Cape Ann Commercial Fishermans
(978) 283-2959

Global Financial Partners Inc
(813) 261-5116

JP Morgan Investor Service CO
(617) 557-8000

Patient Financial Concepts
(973) 396-2668

Clinton Global Initiative
(212) 710-4400

Financial Supervisory Service
(212) 350-9388

Chautauqua Opportunities Inc
(716) 664-4999

Greenpath Debt Solutions
(574) 293-0075

Consumer Credit Counseling Service
(505) 884-6601

ClearPoint Credit Counselors Solutions
(800) 737-2933 800

Lonnie Bowman Ministries
(229) 446-1664

Family Foundations
(904) 396-4846

Solidary Credit
(305) 406-0188

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