Help consolidating medical bills
If you use debt settlement, make sure you find a good company, go through an exhaustive list of pros and cons and always ask about their rates and payment plans.
Steve Rhode from Get Out Of has a great article if you are considering Debt Settlement vs Debt Consolidation.
Payday Loans & Title Loans: These are a loan of last resort.
The rates are so high that it almost never makes sense to use these as options for getting yourself out of debt..
Debt Management Plan: These are offered by nonprofit organizations that help consolidate and then renegotiate your interest rates with your creditors.
Understanding all those options can be incredibly confusing, especially since they all have similar names, but that’s not excuse for learning what your options are before taking the plunge.
They usually charge a monthly fee, legally it can’t be over a month, but most run around a month.