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When you are swimming in debt, a debt consolidation program may sound like a dream come true. However, there are pitfalls to be aware of before signing on for one of these programs.

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Debt consolidation advisors and companies typically evaluate your high-interest debt and financial resources and develop a plan to cut the high interest rates and get you a lower monthly payment. In short, what they do is take charge of your debt, leaving you with a lower interest rate that allows y

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