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	You may be able to refinance your home and get some equity out, or borrow from a bank or loan company to pay off all of your creditors. This would leave you with one monthly payment. Thereafter you should refrain from using your credit cards and conduct your life on a cash basis only. In this way you will not get into greater difficulty.

If you have a home, please give us a call and let us help you figure out how much equity you have built in your home and help make an informed decision on how best to take advantage of some of the smart borrowing options that are available for you. Let us shop for the best interest rates on your consolidation loan.

If you do not have a home, you will find it difficult to get a consolidation loan through conventional sources. Many banks or loan companies are reluctant to help to further extend credit so you can pay everyone else.  Frequently, the consolidation loan funds are borrowed from a friend or relative.