Loan consolidations; what to do when it doesn't make sense

If you determine that loan consolidations is not a wise or possible solution to your debt problems, there are alternatives. For example, you may be able to negotiate lower interest rates on your current accounts by contacting your creditors or you could transfer balances to a lower-rate card as an alternative to loan consolidations. You could also consider collecting on money owed, selling-off unneeded items, and/or establishing a strict budget.

Loan consolidations; we can help you with a workable plan

If you experience difficulties creating a workable plan, seek professional help. The experts at Money Management International/CCCS offer a booklet titled "Taking Charge" that provides excellent budgeting advice, including info on loan consolidations. Please e-mail your mailing address to adviceteam@moneymanagement.org and they will gladly mail you a complementary copy of this booklet.