But let’s be honest: Your interest rate isn’t the main problem. This specifically applies to consolidating debt through credit card balance transfers.The enticingly low interest rate is usually an introductory promotion and applies for a certain period of time only. In almost every case, you’ll have lower payments because the term of your loan is prolonged. Your goal should be to get out of debt as fast as you can!In fact, you end up paying more and staying in debt longer because of so-called consolidation.
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That's why P2P Credit offers bad credit debt consolidation loans to those who have poor to average credit.
Even though you have bad credit, you may still be eligible to consolidate your debt into an unsecured personal loan.
You are only restructuring your debt, not eliminating it.
You don’t need debt rearrangement, you need debt reformation.
Besides, wouldn't you rather have one monthly bill with a lower interest rate and payment?