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See if consolidating debt with a personal loan makes sense for you If it turns out debt settlement is your best option, the good news is that many creditors are now willing to negotiate, says Mary Jackey, spokeswoman for the Consumer Credit Counseling Services, based out of Columbus, Ohio.Don't wait until your account has been charged off, which generally happens when your payment is more than six months behind.

Think carefully before securing other debts against your home.

Everybody with a credit card knows it's smart to pay what you owe at the end of every month - right?

According to Card, an international credit card tracker, credit card debt is approximately 00 per household for those carrying at least one credit card.

If you don’t think a personal loan for debt consolidation is right for you, simply select another option when applying.

We have other borrowing options, such as overdrafts, credit cards, and additional loans for our existing mortgage customers.